Aditya Birla Sun Life Banking and Financial Services Fund
Aditya Birla Sun Life Mutual Fund · Sectoral/Thematic · Regular plan, growth option
NAV (₹), 1 Oct 2026
59.1700
1-day change
-0.40%
1Y return
-2.1%
3Y CAGR
7.3%
5Y CAGR
8.7%
Max drawdown, 5Y
−22.7%
NAV history month-end NAV, ₹ · 18 Dec 2013 to 1 Oct 2026
Returns vs Sectoral/Thematic median (259 schemes) and “Banking & financial services” median (28)
| Period | Scheme | Category median | Banking & financial services median |
|---|---|---|---|
| 1 month | -6.4% | -5.4% | -6.2% |
| 3 months | -7.8% | -3.1% | -6.7% |
| 6 months | 5.9% | 8.5% | 5.9% |
| Year to date | -8.2% | -2.6% | -6.9% |
| 1 year | -2.1% | 0.0% | -1.0% |
| 3 years (CAGR) | 7.3% | 11.7% | 9.5% |
| 5 years (CAGR) | 8.7% | 10.6% | 9.6% |
| 7 years (CAGR) | 11.2% | 15.7% | 11.2% |
| 10 years (CAGR) | 10.6% | 13.3% | 11.0% |
| Since first NAV (CAGR) | 15.0% | – | – |
“Banking & financial services” is MFIC's grouping of Sectoral/Thematic schemes by the theme or index in their names, not an AMFI category.
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 14.6% | 9.8% |
| 3Y rolling median | 15.0% | 15.6% |
| 3Y rolling worst | -11.2% | 0.6% |
| 3Y periods positive | 93% | 100% |
| 3Y periods ahead of benchmark | 36% | 71% |
| 5Y rolling median | 12.9% | 14.2% |
| 5Y rolling worst | -0.1% | 0.3% |
| 5Y periods ahead of benchmark | 30% | 70% |
Benchmark: Nifty 500 (proxy: Motilal Oswal Nifty 500 Index Fund, price return).
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 16.5% | 16.7% |
| Sharpe ratio | 0.13 | 0.34 |
| Sortino ratio | 0.19 | 0.51 |
| Beta | 0.94 | 0.96 |
| Alpha (ann.) | -1.0% | 2.3% |
| Upside capture | 93.28 | 103.56 |
| Downside capture | 98.48 | 96.87 |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −47.6% | −23.7% |
| Maximum drawdown, last 10Y | −47.6% | −39.3% |
| Maximum drawdown, last 5Y | −22.7% | −22.8% |
| Current drawdown | −9.6% | −8.8% |
| Recovery time of worst fall | 281 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Market context from Integrato Market Intelligence
This scheme invests mainly in the markets below, which are also close to how many of them are benchmarked. Where those markets stand today:
54,450.75 −0.33%
NSE close, 1 Oct 2026
- P/E 12.9: higher than 3% of days since 2023 (median 14.9)
- 1Y −1.2% · 3Y +7.5% p.a. · 5Y +8.5% p.a. (index fund NAV, after costs)
- −11.5% from its 52-week high
24,556.10 −0.38%
NSE close, 1 Oct 2026
- P/E 15.1: higher than 0% of days since 2023 (median 17.1)
- 1Y −6.9% · 3Y n/a p.a. · 5Y n/a p.a. (index fund NAV, after costs)
- −13.7% from its 52-week high (proxy NAV)
26,697.25 +0.01%
NSE close, 1 Oct 2026
- P/E 16.5: higher than 38% of days since 2023 (median 17.0)
- 1Y −1.1% · 3Y n/a p.a. · 5Y n/a p.a. (index fund NAV, after costs)
- −8.5% from its 52-week high (proxy NAV)
7,937.80 −0.98%
NSE close, 1 Oct 2026
- P/E 7.2: higher than 19% of days since 2023 (median 8.0)
- 1Y +6.1% · 3Y +14.9% p.a. · 5Y +26.6% p.a. (index fund NAV, after costs)
- −19.7% from its 52-week high
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.02% a year and the Direct plan's 1.15%, a gap of 0.87%; over the last 3 years the Direct plan returned 1.00 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹19,70,666.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Recent disclosure changes last 120 days, as disclosed via AMFI
- 24 Sep 2026: TER increased from 2.01% to 2.02% (AMFI TER disclosure)
- 18 Sep 2026: TER reduced from 2.02% to 2.01% (AMFI TER disclosure)
- 15 Sep 2026: TER increased from 2.01% to 2.02% (AMFI TER disclosure)
- 8 Sep 2026: TER increased from 2.00% to 2.01% (AMFI TER disclosure)
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Dhaval Gala | Primary | 26 Aug 2015 |
Objective: The primary investment objective of the Scheme is to generate long-term capital appreciation to unitholders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.
Stated asset allocation: Under normal circumstances, the asset allocation of the Scheme will be as follows: Equity & Equity related instruments of Banking & Financial Services Companies - 80%-100% Equity and Equity related Instruments of companies other than above - 0%-20% Units issued by InVITs - 0% - 10% Money Market & Liquid* instruments - 0% - 20% Units in Mutual Funds# - 0% - 5% *As defined by SEBI #The Scheme will invest in units of Overnight schemes Liquid Schemes and Money Market Schemes of Aditya Birla Sun Life Mutual Fund and other fund houses for liquidity and cash management purposes.
Benchmark (tier 1): Nifty Financial Services TRI
Exit load: For redemption/switch-out of units on or before 30 days from the date of allotment: 1.00% of applicable NAV. For redemption/switch-out of units after 30 days from the date of allotment: Nil
Minimum application: ₹1,000
Allotment date: 14 Dec 2013
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 2.02% | 2.38% |
| AUM, whole scheme (₹ crore) | 3,406 | 1,245 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -0.5% | -4.4% TRI |
| Return, 3 years (AMFI) | 7.4% | 8.6% TRI |
| Return, 5 years (AMFI) | 8.6% | 7.1% TRI |
| Month-ends above category median (3Y CAGR) | 41% | 53% median |
| Month-ends in category top quartile (3Y) | 28% | 24% median |
| 7Y rolling CAGR, median (monthly windows) | 12.4% | 13.5% median |
Official benchmark: Nifty Financial Services TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Sectoral/Thematic Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Nifty 500 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -8.2% | -7.8% | −0.4% |
| 2025 | 17.5% | 7.7% | +9.8% |
| 2024 | 8.7% | 15.6% | −6.9% |
| 2023 | 21.7% | 26.5% | −4.8% |
| 2022 | 11.5% | 3.8% | +7.7% |
| 2021 | 16.8% | 30.6% | −13.8% |
| 2020 | 1.1% | 17.2% | −16.1% |
| 2019 | 14.9% | n/a | – |
| 2018 | -2.4% | n/a | – |
| 2017 | 47.6% | n/a | – |
Benchmark proxy: Motilal Oswal Nifty 500 Index Fund (Direct plan NAV, price return), which carries its own costs. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,14,417 | -8.5% |
| 3 years | ₹3,60,000 | ₹3,76,611 | 3.0% |
| 5 years | ₹6,00,000 | ₹7,37,082 | 8.2% |
| 10 years | ₹12,00,000 | ₹20,72,517 | 10.5% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Sectoral/Thematic
Plan / option: Regular · Growth
AMFI scheme code: 125595
ISIN: INF209K011W7
First NAV in MFIC data: 18 Dec 2013
History: 12.8 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Mirae Asset Banking and Financial Services Fund | Sectoral/Thematic | 0.98 | 9.6% |
| Tata Banking & Financial Services Fund | Sectoral/Thematic | 0.98 | 8.5% |
| HDFC Banking & Financial Services Fund | Sectoral/Thematic | 0.98 | 9.7% |
| Nippon India Banking & Financial Services Fund | Sectoral/Thematic | 0.98 | 9.3% |
| WhiteOak Capital Banking & Financial Services Fund | Sectoral/Thematic | 0.97 | n/a |
| Kotak Banking and Financial Services Fund | Sectoral/Thematic | 0.97 | 9.2% |
Questions about Aditya Birla Sun Life Banking and Financial Services Fund
- What is the latest NAV of Aditya Birla Sun Life Banking and Financial Services Fund?
- The NAV of the Regular plan (growth option) was ₹59.1700 on 1 Oct 2026, as published by AMFI.
- Which category is Aditya Birla Sun Life Banking and Financial Services Fund in?
- It is classified as Sectoral/Thematic in AMFI's daily NAV file; a Sectoral/Thematic scheme invests at least 80% in one sector or theme. MFIC compares it with 259 Sectoral/Thematic schemes (Regular plans).
- What returns has Aditya Birla Sun Life Banking and Financial Services Fund delivered?
- Over one year the NAV changed by -2.1%. The 3-year CAGR is 7.3% (category median 11.7%) and the 5-year CAGR is 8.7% (category median 10.6%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 15.0%, the lowest was -11.2%, and 93% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 36% of those periods.
- What was the largest fall in Aditya Birla Sun Life Banking and Financial Services Fund's NAV?
- The largest peak-to-trough fall in its available history was 47.6%; within the last five years it was 22.7% (category median 22.8%).
- How volatile is Aditya Birla Sun Life Banking and Financial Services Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 16.5%, which is below the Sectoral/Thematic category median of 16.7%.
- What would a monthly SIP in Aditya Birla Sun Life Banking and Financial Services Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,37,082 on 1 Oct 2026, an annualised return (XIRR) of 8.2%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Aditya Birla Sun Life Banking and Financial Services Fund?
- The total expense ratio of the Regular plan is 2.02% a year, as disclosed to AMFI (median of Sectoral/Thematic Regular plans: 2.38%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Aditya Birla Sun Life Banking and Financial Services Fund?
- Assets under management of the whole scheme were ₹3,406 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Aditya Birla Sun Life Banking and Financial Services Fund?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Aditya Birla Sun Life Banking and Financial Services Fund and how has it compared?
- Its official benchmark is the Nifty Financial Services TRI. Over 3 years AMFI reports a return of 7.4% for this plan against 8.6% for the benchmark total return index; over 5 years 8.6% against 7.1%. Past performance does not indicate future results.
- How often has Aditya Birla Sun Life Banking and Financial Services Fund beaten its category?
- At 41% of the 118 month-ends compared over the last 10 years, its 3-year return was above the median of Sectoral/Thematic schemes (Regular plans); it was in the top quarter at 28% of them. A typical scheme would show about 50%.
- Who manages Aditya Birla Sun Life Banking and Financial Services Fund?
- According to its Scheme Summary Document, Aditya Birla Sun Life Banking and Financial Services Fund is managed by Dhaval Gala (since 26 Aug 2015).
- What is the exit load of Aditya Birla Sun Life Banking and Financial Services Fund?
- As stated in its scheme documents: For redemption/switch-out of units on or before 30 days from the date of allotment: 1.00% of applicable NAV. For redemption/switch-out of units after 30 days from the date of allotment: Nil Check the latest Scheme Information Document before investing, as loads can change.
- What is the minimum investment in Aditya Birla Sun Life Banking and Financial Services Fund?
- The minimum application amount is ₹1,000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -1.2% and the Regular plan's by -2.1%. The Regular plan includes the services of a distributor.
Reviewing your own mutual fund portfolio?
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.