Top 7 Best Performing Banking & Financial Services Funds 2025

Updated on January 5, 2026 , 90249 views

Banking and financial services sector funds are a type of equity sector funds that primarily invest in companies that cater to the banking and financial services. Over the last one year, banking sector funds have performed very strongly in the Market. In last 6 months, some of the top banking sector Mutual Funds have given an Average Return of 27 percent - 31 percent. Such high returns are always tempting and many investors flock towards Investing in such funds.

Ideally, an investor who has an experience of equities and also a good knowledge in the banking sector should only invest in these funds. To make your investing process easy, we have listed down India’s top performing baking sector funds.

Indian Banking Sector — Overview

The Indian banking system consists of 27 public sector banks, 26 private sector banks, 56 regional rural banks, 46 foreign banks, 93,913 rural cooperative banks and 1,574 urban cooperative banks, in addition to cooperative credit institutions. Some of the major players in this sector are— HDFC Bank, State Bank of India, ICICI Bank Limited, Yes Bank, etc. Public sector banks control more than 70 per cent of the banking system assets, thereby leaving a comparatively smaller share for its private peers.

Though, there are many promising and leading companies in this sector, investors should not forget that sector Equity Funds are the riskiest amongst all the equity funds. Thus, experienced investors with a high-risk appetite and who wants to invest for a long-term, should ideally should consider investing in funds below.

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Top 7 Banking & Finance Mutual Funds to Invest in India

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Banking and Financial Services Fund Growth	₹201.039 ↓ -0.42	₹1,386	5.1	4.5	18.3	16.8	14.9	16.3
TATA Banking and Financial Services Fund Growth	₹45.7303 ↓ -0.16	₹3,214	5.6	4.1	19.4	16.8	15	17.5
SBI Banking & Financial Services Fund Growth	₹46.2506 ↓ -0.12	₹9,813	6.6	7.8	22.5	20.4	16.4	20.4
ICICI Prudential Banking and Financial Services Fund Growth	₹140.25 ↓ -0.59	₹11,085	4.3	3.6	17.1	15.8	15.2	15.9
Baroda Pioneer Banking And Financial Services Fund Growth	₹50.3273 ↓ -0.20	₹365	4.8	3.7	16.1	16.8	13.6	14.4
LIC MF Banking & Financial Services Fund Growth	₹22.7619 ↓ -0.06	₹293	7.1	7.3	20	13.4	13.2	16.5
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹65.23 ↓ -0.16	₹3,708	6.7	5.4	18.9	16.9	14.9	17.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 7 Jan 26

Research Highlights & Commentary of 7 Funds showcased

Commentary	UTI Banking and Financial Services Fund	TATA Banking and Financial Services Fund	SBI Banking & Financial Services Fund	ICICI Prudential Banking and Financial Services Fund	Baroda Pioneer Banking And Financial Services Fund	LIC MF Banking & Financial Services Fund	Aditya Birla Sun Life Banking And Financial Services Fund
Point 1	Lower mid AUM (₹1,386 Cr).	Lower mid AUM (₹3,214 Cr).	Upper mid AUM (₹9,813 Cr).	Highest AUM (₹11,085 Cr).	Bottom quartile AUM (₹365 Cr).	Bottom quartile AUM (₹293 Cr).	Upper mid AUM (₹3,708 Cr).
Point 2	Oldest track record among peers (21 yrs).	Established history (10+ yrs).	Established history (10+ yrs).	Established history (17+ yrs).	Established history (13+ yrs).	Established history (10+ yrs).	Established history (12+ yrs).
Point 3	Rating: 3★ (upper mid).	Not Rated.	Not Rated.	Top rated.	Rating: 2★ (lower mid).	Not Rated.	Rating: 5★ (upper mid).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 14.94% (lower mid).	5Y return: 14.99% (upper mid).	5Y return: 16.38% (top quartile).	5Y return: 15.19% (upper mid).	5Y return: 13.58% (bottom quartile).	5Y return: 13.22% (bottom quartile).	5Y return: 14.91% (lower mid).
Point 6	3Y return: 16.79% (upper mid).	3Y return: 16.75% (lower mid).	3Y return: 20.44% (top quartile).	3Y return: 15.75% (bottom quartile).	3Y return: 16.76% (lower mid).	3Y return: 13.42% (bottom quartile).	3Y return: 16.95% (upper mid).
Point 7	1Y return: 18.30% (lower mid).	1Y return: 19.44% (upper mid).	1Y return: 22.53% (top quartile).	1Y return: 17.10% (bottom quartile).	1Y return: 16.10% (bottom quartile).	1Y return: 20.01% (upper mid).	1Y return: 18.92% (lower mid).
Point 8	Alpha: -2.70 (lower mid).	Alpha: -1.76 (upper mid).	Alpha: 0.83 (top quartile).	Alpha: -0.89 (upper mid).	Alpha: -3.31 (bottom quartile).	Alpha: -3.02 (bottom quartile).	Alpha: -2.82 (lower mid).
Point 9	Sharpe: 0.64 (lower mid).	Sharpe: 0.69 (upper mid).	Sharpe: 0.88 (top quartile).	Sharpe: 0.74 (upper mid).	Sharpe: 0.59 (bottom quartile).	Sharpe: 0.59 (bottom quartile).	Sharpe: 0.63 (lower mid).
Point 10	Information ratio: 0.26 (lower mid).	Information ratio: 0.44 (upper mid).	Information ratio: 0.94 (top quartile).	Information ratio: 0.23 (bottom quartile).	Information ratio: 0.44 (upper mid).	Information ratio: -0.31 (bottom quartile).	Information ratio: 0.29 (lower mid).

UTI Banking and Financial Services Fund

Lower mid AUM (₹1,386 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 14.94% (lower mid).
3Y return: 16.79% (upper mid).
1Y return: 18.30% (lower mid).
Alpha: -2.70 (lower mid).
Sharpe: 0.64 (lower mid).
Information ratio: 0.26 (lower mid).

TATA Banking and Financial Services Fund

Lower mid AUM (₹3,214 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 14.99% (upper mid).
3Y return: 16.75% (lower mid).
1Y return: 19.44% (upper mid).
Alpha: -1.76 (upper mid).
Sharpe: 0.69 (upper mid).
Information ratio: 0.44 (upper mid).

SBI Banking & Financial Services Fund

Upper mid AUM (₹9,813 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 16.38% (top quartile).
3Y return: 20.44% (top quartile).
1Y return: 22.53% (top quartile).
Alpha: 0.83 (top quartile).
Sharpe: 0.88 (top quartile).
Information ratio: 0.94 (top quartile).

ICICI Prudential Banking and Financial Services Fund

Highest AUM (₹11,085 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.19% (upper mid).
3Y return: 15.75% (bottom quartile).
1Y return: 17.10% (bottom quartile).
Alpha: -0.89 (upper mid).
Sharpe: 0.74 (upper mid).
Information ratio: 0.23 (bottom quartile).

Baroda Pioneer Banking And Financial Services Fund

Bottom quartile AUM (₹365 Cr).
Established history (13+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 13.58% (bottom quartile).
3Y return: 16.76% (lower mid).
1Y return: 16.10% (bottom quartile).
Alpha: -3.31 (bottom quartile).
Sharpe: 0.59 (bottom quartile).
Information ratio: 0.44 (upper mid).

LIC MF Banking & Financial Services Fund

Bottom quartile AUM (₹293 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 13.22% (bottom quartile).
3Y return: 13.42% (bottom quartile).
1Y return: 20.01% (upper mid).
Alpha: -3.02 (bottom quartile).
Sharpe: 0.59 (bottom quartile).
Information ratio: -0.31 (bottom quartile).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,708 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 14.91% (lower mid).
3Y return: 16.95% (upper mid).
1Y return: 18.92% (lower mid).
Alpha: -2.82 (lower mid).
Sharpe: 0.63 (lower mid).
Information ratio: 0.29 (lower mid).

above list of top Banking & Financial Services mutual funds having AUM/Net Assets higher than 100 Crore.

1. UTI Banking and Financial Services Fund

(Erstwhile UTI Banking Sector Fund)

Investment objective is "capital appreciation" through investments in the stocks of the companies/institutions engaged in the banking and financial services activities.

Research Highlights for UTI Banking and Financial Services Fund

Lower mid AUM (₹1,386 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 14.94% (lower mid).
3Y return: 16.79% (upper mid).
1Y return: 18.30% (lower mid).
Alpha: -2.70 (lower mid).
Sharpe: 0.64 (lower mid).
Information ratio: 0.26 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~18.6%).
Top-3 holdings concentration ~42.9%.

Below is the key information for UTI Banking and Financial Services Fund

UTI Banking and Financial Services Fund Growth
Launch Date	7 Apr 04
NAV (07 Jan 26)	₹201.039 ↓ -0.42 (-0.21 %)
Net Assets (Cr)	₹1,386 on 30 Nov 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.2
Sharpe Ratio	0.64
Information Ratio	0.26
Alpha Ratio	-2.7
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹11,427
31 Dec 22	₹13,150
31 Dec 23	₹15,720
31 Dec 24	₹17,464
31 Dec 25	₹20,313

UTI Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for UTI Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26

Duration	Returns
1 Month	0.9%
3 Month	5.1%
6 Month	4.5%
1 Year	18.3%
3 Year	16.8%
5 Year	14.9%
10 Year
15 Year
Since launch	14.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.3%
2023	11.1%
2022	19.5%
2021	15.1%
2020	14.3%
2019	-5.3%
2018	11.6%
2017	-6.8%
2016	43.5%
2015	13%

Fund Manager information for UTI Banking and Financial Services Fund

Name	Since	Tenure
Amit Premchandani	16 Jun 25	0.46 Yr.

Data below for UTI Banking and Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	97.15%
Technology	1.09%

Asset Allocation

Asset Class	Value
Cash	1.75%
Equity	98.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 04 \| ICICIBANK	19%	₹257 Cr	1,852,344
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 09 \| HDFCBANK	16%	₹219 Cr	2,175,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| AXISBANK	9%	₹118 Cr	925,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| KOTAKBANK	8%	₹117 Cr	550,000
State Bank of India (Financial Services) Equity, Since 28 Feb 18 \| SBIN	6%	₹83 Cr	850,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Nov 19 \| BAJFINANCE	6%	₹83 Cr	800,000 ↓ -20,000
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| SHRIRAMFIN	3%	₹43 Cr	500,000 ↓ -50,000
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| KARURVYSYA	3%	₹42 Cr	1,700,000 ↓ -100,000
Max Financial Services Ltd (Financial Services) Equity, Since 30 Sep 22 \| MFSL	3%	₹41 Cr	240,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Apr 25 \| UJJIVANSFB	3%	₹36 Cr	6,534,317

2. TATA Banking and Financial Services Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in the Banking and Financial Services sector in India.

Research Highlights for TATA Banking and Financial Services Fund

Lower mid AUM (₹3,214 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 14.99% (upper mid).
3Y return: 16.75% (lower mid).
1Y return: 19.44% (upper mid).
Alpha: -1.76 (upper mid).
Sharpe: 0.69 (upper mid).
Information ratio: 0.44 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~17.7%).
Top-3 holdings concentration ~36.3%.

Below is the key information for TATA Banking and Financial Services Fund

TATA Banking and Financial Services Fund Growth
Launch Date	28 Dec 15
NAV (07 Jan 26)	₹45.7303 ↓ -0.16 (-0.35 %)
Net Assets (Cr)	₹3,214 on 30 Nov 25
Category	Equity - Sectoral
AMC	Tata Asset Management Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.98
Sharpe Ratio	0.69
Information Ratio	0.44
Alpha Ratio	-1.76
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹11,186
31 Dec 22	₹13,072
31 Dec 23	₹15,945
31 Dec 24	₹17,377
31 Dec 25	₹20,421

TATA Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for TATA Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26

Duration	Returns
1 Month	0.9%
3 Month	5.6%
6 Month	4.1%
1 Year	19.4%
3 Year	16.8%
5 Year	15%
10 Year
15 Year
Since launch	16.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.5%
2023	9%
2022	22%
2021	16.9%
2020	11.9%
2019	2.7%
2018	25.7%
2017	-0.1%
2016	45%
2015	17.8%

Fund Manager information for TATA Banking and Financial Services Fund

Name	Since	Tenure
Kapil Malhotra	31 Oct 25	0.08 Yr.

Data below for TATA Banking and Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	95.63%
Technology	2.47%

Asset Allocation

Asset Class	Value
Cash	1.91%
Equity	98.09%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 16 \| HDFCBANK	18%	₹568 Cr	5,640,000 ↓ -160,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	10%	₹321 Cr	2,310,000 ↑ 110,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| AXISBANK	9%	₹278 Cr	2,170,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 16 \| KOTAKBANK	8%	₹255 Cr	1,200,000
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	6%	₹200 Cr	2,040,000 ↑ 1,050,000
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Apr 25 \| BAJAJFINSV	3%	₹98 Cr	469,857
Bank of Baroda (Financial Services) Equity, Since 30 Nov 25 \| BANKBARODA	3%	₹96 Cr	3,300,000 ↑ 3,300,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Dec 24 \| BAJFINANCE	3%	₹93 Cr	900,000
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 24 \| AUBANK	3%	₹81 Cr	850,000
One97 Communications Ltd (Technology) Equity, Since 31 Dec 24 \| 543396	2%	₹79 Cr	600,000 ↑ 50,000

3. SBI Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for SBI Banking & Financial Services Fund

Upper mid AUM (₹9,813 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 16.38% (top quartile).
3Y return: 20.44% (top quartile).
1Y return: 22.53% (top quartile).
Alpha: 0.83 (top quartile).
Sharpe: 0.88 (top quartile).
Information ratio: 0.94 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~13.0%).

Below is the key information for SBI Banking & Financial Services Fund

SBI Banking & Financial Services Fund Growth
Launch Date	26 Feb 15
NAV (07 Jan 26)	₹46.2506 ↓ -0.12 (-0.26 %)
Net Assets (Cr)	₹9,813 on 30 Nov 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.83
Sharpe Ratio	0.88
Information Ratio	0.94
Alpha Ratio	0.83
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹11,208
31 Dec 22	₹12,723
31 Dec 23	₹15,089
31 Dec 24	₹18,041
31 Dec 25	₹21,724

SBI Banking & Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for SBI Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26

Duration	Returns
1 Month	1%
3 Month	6.6%
6 Month	7.8%
1 Year	22.5%
3 Year	20.4%
5 Year	16.4%
10 Year
15 Year
Since launch	15.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	20.4%
2023	19.6%
2022	18.6%
2021	13.5%
2020	12.1%
2019	4.8%
2018	20.7%
2017	9.5%
2016	40.7%
2015	17%

Fund Manager information for SBI Banking & Financial Services Fund

Name	Since	Tenure
Milind Agrawal	1 Aug 19	6.34 Yr.
Pradeep Kesavan	1 Dec 23	2 Yr.

Data below for SBI Banking & Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	96.25%
Technology	0.69%

Asset Allocation

Asset Class	Value
Cash	3.01%
Equity	96.94%
Debt	0.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| HDFCBANK	13%	₹1,273 Cr	12,629,430
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 28 Feb 23 \| KOTAKBANK	8%	₹763 Cr	3,591,554 ↓ -500,000
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Jun 25 \| BAJAJFINSV	7%	₹714 Cr	3,411,808 ↑ 609,790
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 25 \| AXISBANK	7%	₹670 Cr	5,235,410 ↓ -1,800,000
State Bank of India (Financial Services) Equity, Since 31 Jul 18 \| SBIN	7%	₹659 Cr	6,730,364 ↓ -2,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 16 \| ICICIBANK	6%	₹616 Cr	4,435,814
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 May 25 \| SBILIFE	5%	₹474 Cr	2,408,631
Muthoot Finance Ltd (Financial Services) Equity, Since 31 Dec 22 \| MUTHOOTFIN	4%	₹402 Cr	1,074,249 ↑ 310,318
Aditya Birla Capital Ltd (Financial Services) Equity, Since 31 Mar 25 \| ABCAPITAL	3%	₹322 Cr	8,981,743
Bank of Baroda (Financial Services) Equity, Since 31 Mar 25 \| BANKBARODA	3%	₹289 Cr	9,985,585

4. ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund is an Open-ended equity scheme that seeks 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. However, there can be no assurance that the investment objective of the Scheme will be realized.

Research Highlights for ICICI Prudential Banking and Financial Services Fund

Highest AUM (₹11,085 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.19% (upper mid).
3Y return: 15.75% (bottom quartile).
1Y return: 17.10% (bottom quartile).
Alpha: -0.89 (upper mid).
Sharpe: 0.74 (upper mid).
Information ratio: 0.23 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~20.3%).
Top-3 holdings concentration ~46.4%.

Below is the key information for ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund Growth
Launch Date	22 Aug 08
NAV (07 Jan 26)	₹140.25 ↓ -0.59 (-0.42 %)
Net Assets (Cr)	₹11,085 on 30 Nov 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.83
Sharpe Ratio	0.74
Information Ratio	0.23
Alpha Ratio	-0.89
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹12,346
31 Dec 22	₹13,821
31 Dec 23	₹16,291
31 Dec 24	₹18,184
31 Dec 25	₹21,071

ICICI Prudential Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for ICICI Prudential Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26

Duration	Returns
1 Month	0.4%
3 Month	4.3%
6 Month	3.6%
1 Year	17.1%
3 Year	15.8%
5 Year	15.2%
10 Year
15 Year
Since launch	16.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.9%
2023	11.6%
2022	17.9%
2021	11.9%
2020	23.5%
2019	-5.5%
2018	14.5%
2017	-0.4%
2016	45.1%
2015	21.1%

Fund Manager information for ICICI Prudential Banking and Financial Services Fund

Name	Since	Tenure
Roshan Chutkey	29 Jan 18	7.84 Yr.
Sharmila D’mello	30 Jun 22	3.42 Yr.

Data below for ICICI Prudential Banking and Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	92.37%
Health Care	1.26%
Technology	0.43%
Industrials	0.32%

Asset Allocation

Asset Class	Value
Cash	5.62%
Equity	94.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	20%	₹2,246 Cr	22,294,728
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| ICICIBANK	18%	₹2,050 Cr	14,758,497
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	8%	₹848 Cr	8,657,956 ↓ -578,710
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| AXISBANK	8%	₹841 Cr	6,575,273
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	6%	₹610 Cr	3,104,315
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	5%	₹529 Cr	2,488,791
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	4%	₹401 Cr	5,241,538 ↑ 356,588
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 19 \| MFSL	3%	₹281 Cr	1,649,161
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	2%	₹267 Cr	1,355,046
LIC Housing Finance Ltd (Financial Services) Equity, Since 30 Nov 24 \| LICHSGFIN	2%	₹220 Cr	4,002,710 ↑ 35,434

5. Baroda Pioneer Banking And Financial Services Fund

The investment objective is to generate long-term capital appreciation for unit holders from a portfolio invested predominantly in equity and equity related securities of companies engaged in the Banking & Financial Services Sector.

Research Highlights for Baroda Pioneer Banking And Financial Services Fund

Bottom quartile AUM (₹365 Cr).
Established history (13+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 13.58% (bottom quartile).
3Y return: 16.76% (lower mid).
1Y return: 16.10% (bottom quartile).
Alpha: -3.31 (bottom quartile).
Sharpe: 0.59 (bottom quartile).
Information ratio: 0.44 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~20.7%).
Top-3 holdings concentration ~42.0%.

Below is the key information for Baroda Pioneer Banking And Financial Services Fund

Baroda Pioneer Banking And Financial Services Fund Growth
Launch Date	22 Jun 12
NAV (07 Jan 26)	₹50.3273 ↓ -0.20 (-0.39 %)
Net Assets (Cr)	₹365 on 30 Nov 25
Category	Equity - Sectoral
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆
Risk	High
Expense Ratio	2.42
Sharpe Ratio	0.59
Information Ratio	0.44
Alpha Ratio	-3.31
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,798
31 Dec 22	₹12,490
31 Dec 23	₹15,045
31 Dec 24	₹16,924
31 Dec 25	₹19,369

Baroda Pioneer Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Baroda Pioneer Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26

Duration	Returns
1 Month	0%
3 Month	4.8%
6 Month	3.7%
1 Year	16.1%
3 Year	16.8%
5 Year	13.6%
10 Year
15 Year
Since launch	12.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	14.4%
2023	12.5%
2022	20.5%
2021	15.7%
2020	8%
2019	-1%
2018	23.1%
2017	1.2%
2016	32.9%
2015	8.7%

Fund Manager information for Baroda Pioneer Banking And Financial Services Fund

Name	Since	Tenure
Sanjay Chawla	29 Nov 25	0.01 Yr.
Yash Mehta	29 Nov 25	0.01 Yr.

Data below for Baroda Pioneer Banking And Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	91.65%
Technology	1.97%

Asset Allocation

Asset Class	Value
Cash	6.38%
Equity	93.62%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 14 \| HDFCBANK	21%	₹76 Cr	750,000 ↓ -19,900
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 12 \| ICICIBANK	14%	₹51 Cr	370,000 ↓ -21,000
State Bank of India (Financial Services) Equity, Since 30 Jun 12 \| SBIN	7%	₹27 Cr	271,200
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 13 \| KOTAKBANK	6%	₹21 Cr	100,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| AXISBANK	4%	₹16 Cr	125,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Oct 21 \| BAJFINANCE	3%	₹11 Cr	104,760
Canara Bank (Financial Services) Equity, Since 31 Oct 25 \| CANBK	3%	₹11 Cr	700,000 ↑ 340,000
Aditya Birla Capital Ltd (Financial Services) Equity, Since 30 Jun 25 \| ABCAPITAL	3%	₹9 Cr	260,000
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Sep 24 \| BAJAJFINSV	2%	₹9 Cr	42,500
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Jun 25 \| MCX	2%	₹9 Cr	8,500

6. LIC MF Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation for unit holders from a portfolio that is invested substantially in equity and equity related securities of companies engaged in banking & financial services sector. However, there can be no assurance that the investment objective of the Scheme will be realised.

Research Highlights for LIC MF Banking & Financial Services Fund

Bottom quartile AUM (₹293 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 13.22% (bottom quartile).
3Y return: 13.42% (bottom quartile).
1Y return: 20.01% (upper mid).
Alpha: -3.02 (bottom quartile).
Sharpe: 0.59 (bottom quartile).
Information ratio: -0.31 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding HDFC Bank Ltd (~22.2%).
Top-3 holdings concentration ~42.2%.

Below is the key information for LIC MF Banking & Financial Services Fund

LIC MF Banking & Financial Services Fund Growth
Launch Date	27 Mar 15
NAV (07 Jan 26)	₹22.7619 ↓ -0.06 (-0.24 %)
Net Assets (Cr)	₹293 on 30 Nov 25
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.27
Sharpe Ratio	0.59
Information Ratio	-0.31
Alpha Ratio	-3.02
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹10,984
31 Dec 22	₹13,132
31 Dec 23	₹15,825
31 Dec 24	₹15,898
31 Dec 25	₹18,516

LIC MF Banking & Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for LIC MF Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26

Duration	Returns
1 Month	2%
3 Month	7.1%
6 Month	7.3%
1 Year	20%
3 Year	13.4%
5 Year	13.2%
10 Year
15 Year
Since launch	7.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.5%
2023	0.5%
2022	20.5%
2021	19.6%
2020	9.8%
2019	-2.1%
2018	19.9%
2017	-18%
2016	32.7%
2015	10.5%

Fund Manager information for LIC MF Banking & Financial Services Fund

Name	Since	Tenure
Jaiprakash Toshniwal	6 Sep 21	4.24 Yr.

Data below for LIC MF Banking & Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	93.71%
Technology	2.55%
Consumer Cyclical	1.93%

Asset Allocation

Asset Class	Value
Cash	1.81%
Equity	98.19%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| HDFCBANK	22%	₹65 Cr	643,953 ↑ 5,577
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| ICICIBANK	12%	₹36 Cr	261,992 ↑ 3,994
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| AXISBANK	8%	₹22 Cr	174,568 ↑ 8,540
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 29 Feb 24 \| KOTAKBANK	7%	₹19 Cr	90,147
State Bank of India (Financial Services) Equity, Since 31 Mar 20 \| SBIN	5%	₹14 Cr	143,886
MAS Financial Services Ltd Ordinary Shares (Financial Services) Equity, Since 31 Mar 22 \| MASFIN	4%	₹13 Cr	404,822 ↑ 1,945
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 30 Sep 24 \| SBICARD	4%	₹10 Cr	118,687
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 30 Sep 22 \| CREDITACC	3%	₹8 Cr	61,586
IIFL Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| IIFL	3%	₹8 Cr	138,171 ↓ -14,930
Piramal Finance Ltd (Financial Services) Equity, Since 31 Oct 25 \| PIRAMALFIN	3%	₹8 Cr	51,618

7. Aditya Birla Sun Life Banking And Financial Services Fund

The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders 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.

Research Highlights for Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,708 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 14.91% (lower mid).
3Y return: 16.95% (upper mid).
1Y return: 18.92% (lower mid).
Alpha: -2.82 (lower mid).
Sharpe: 0.63 (lower mid).
Information ratio: 0.29 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~17.5%).
Top-3 holdings concentration ~40.8%.

Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund

Aditya Birla Sun Life Banking And Financial Services Fund Growth
Launch Date	14 Dec 13
NAV (07 Jan 26)	₹65.23 ↓ -0.16 (-0.24 %)
Net Assets (Cr)	₹3,708 on 30 Nov 25
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.63
Information Ratio	0.29
Alpha Ratio	-2.82
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Dec 20	₹10,000
31 Dec 21	₹11,681
31 Dec 22	₹13,020
31 Dec 23	₹15,852
31 Dec 24	₹17,234
31 Dec 25	₹20,248

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 Invest Now

Returns for Aditya Birla Sun Life Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 7 Jan 26

Duration	Returns
1 Month	1.2%
3 Month	6.7%
6 Month	5.4%
1 Year	18.9%
3 Year	16.9%
5 Year	14.9%
10 Year
15 Year
Since launch	16.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	17.5%
2023	8.7%
2022	21.7%
2021	11.5%
2020	16.8%
2019	1.1%
2018	14.9%
2017	-2.4%
2016	47.6%
2015	15.7%

Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund

Name	Since	Tenure
Dhaval Gala	26 Aug 15	10.27 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	97.86%
Technology	1.09%

Asset Allocation

Asset Class	Value
Cash	1.05%
Equity	98.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	18%	₹650 Cr	4,677,929
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	15%	₹570 Cr	5,658,496 ↓ -350,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| AXISBANK	8%	₹295 Cr	2,302,100
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	7%	₹256 Cr	2,618,689 ↓ -100,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| BAJFINANCE	6%	₹222 Cr	2,137,250
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹151 Cr	709,333
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| AUBANK	3%	₹129 Cr	1,346,861
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹111 Cr	565,076
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	3%	₹107 Cr	581,588 ↓ -42,318
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	3%	₹102 Cr	1,198,382

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.