മികച്ച 7 മികച്ച പ്രകടനം നടത്തുന്ന ബാങ്കിംഗ്, സാമ്പത്തിക സേവന ഫണ്ടുകൾ 2022

Updated on October 18, 2025 , 89910 views

ബാങ്കിംഗ്, സാമ്പത്തിക സേവനങ്ങൾസെക്ടർ ഫണ്ടുകൾ ബാങ്കിംഗ്, ഫിനാൻഷ്യൽ സേവനങ്ങൾ എന്നിവ നിറവേറ്റുന്ന കമ്പനികളിൽ പ്രാഥമികമായി നിക്ഷേപിക്കുന്ന ഒരു തരം ഇക്വിറ്റി സെക്ടർ ഫണ്ടുകളാണ്. കഴിഞ്ഞ ഒരു വർഷമായി, ബാങ്കിംഗ് മേഖലയിലെ ഫണ്ടുകൾ വളരെ ശക്തമായി പ്രവർത്തിച്ചുവിപണി.കഴിഞ്ഞ 6 മാസങ്ങളിൽ, ചില മുൻനിര ബാങ്കിംഗ് മേഖലമ്യൂച്വൽ ഫണ്ടുകൾ ശരാശരി 27 ശതമാനം - 31 ശതമാനം റിട്ടേൺ നൽകി. അത്തരം ഉയർന്ന വരുമാനം എല്ലായ്പ്പോഴും പ്രലോഭിപ്പിക്കുന്നതാണ്, കൂടാതെ നിരവധി നിക്ഷേപകർ ഇതിലേക്ക് ഒഴുകുന്നുനിക്ഷേപിക്കുന്നു അത്തരം ഫണ്ടുകളിൽ.

എബൌട്ട്, ഒരുനിക്ഷേപകൻ ഇക്വിറ്റികളുടെ അനുഭവപരിചയവും ബാങ്കിംഗ് മേഖലയിൽ നല്ല അറിവും ഉള്ളവർ ഈ ഫണ്ടുകളിൽ മാത്രമേ നിക്ഷേപിക്കാവൂ. നിങ്ങളുടെ നിക്ഷേപ പ്രക്രിയ എളുപ്പമാക്കുന്നതിന്, ഞങ്ങൾ ഇന്ത്യയിലെ ഏറ്റവും മികച്ച ബേക്കിംഗ് സെക്ടർ ഫണ്ടുകൾ ലിസ്റ്റ് ചെയ്തിട്ടുണ്ട്.

ഇന്ത്യൻ ബാങ്കിംഗ് മേഖല - അവലോകനം

27 പൊതുമേഖലാ ബാങ്കുകൾ, 26 സ്വകാര്യമേഖലാ ബാങ്കുകൾ, 56 പ്രാദേശിക ഗ്രാമീണ ബാങ്കുകൾ, 46 വിദേശ ബാങ്കുകൾ, 93,913 ഗ്രാമീണ സഹകരണ ബാങ്കുകളും 1,574 അർബൻ സഹകരണ ബാങ്കുകളും, സഹകരണ വായ്പാ സ്ഥാപനങ്ങൾക്ക് പുറമെ ഇന്ത്യൻ ബാങ്കിംഗ് സംവിധാനത്തിൽ ഉൾപ്പെടുന്നു. ഈ മേഖലയിലെ ചില പ്രധാന കളിക്കാർ- HDFCബാങ്ക്, സ്റ്റേറ്റ് ബാങ്ക് ഓഫ് ഇന്ത്യ,ഐസിഐസിഐ ബാങ്ക് ലിമിറ്റഡ്, യെസ് ബാങ്ക് മുതലായവ. പൊതുമേഖലാ ബാങ്കുകൾ ബാങ്കിംഗ് സിസ്റ്റം ആസ്തികളുടെ 70 ശതമാനത്തിലധികം നിയന്ത്രിക്കുന്നു, അതുവഴി അതിന്റെ സ്വകാര്യ സഹപ്രവർത്തകർക്ക് താരതമ്യേന ചെറിയ വിഹിതം നൽകുന്നു.

വാഗ്ദാനവും മുൻനിര കമ്പനികളും ഈ മേഖലയിൽ ഉണ്ടെങ്കിലും നിക്ഷേപകർ ആ മേഖല മറക്കരുത്ഇക്വിറ്റി ഫണ്ടുകൾ എല്ലാ ഇക്വിറ്റി ഫണ്ടുകളിലും ഏറ്റവും അപകടസാധ്യതയുള്ളവയാണ്. അതിനാൽ, ഉയർന്ന നിലവാരമുള്ള പരിചയസമ്പന്നരായ നിക്ഷേപകർറിസ്ക് വിശപ്പ് ദീർഘകാലത്തേക്ക് നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്നവർ താഴെയുള്ള ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നത് പരിഗണിക്കേണ്ടതാണ്.

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ഇന്ത്യയിൽ നിക്ഷേപിക്കുന്നതിനുള്ള മികച്ച 7 ബാങ്കിംഗ് & ഫിനാൻസ് മ്യൂച്വൽ ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
UTI Banking and Financial Services Fund Growth	₹196.688 ↑ 0.57	₹1,255	3.2	7.2	11.4	17.5	20.9	11.1
TATA Banking and Financial Services Fund Growth	₹44.5995 ↑ 0.43	₹2,819	2.4	7.7	11.5	18.7	19.9	9
SBI Banking & Financial Services Fund Growth	₹44.4651 ↑ 0.29	₹8,371	4.2	11	15.4	19.8	21.3	19.6
ICICI Prudential Banking and Financial Services Fund Growth	₹137.74 ↑ 0.02	₹9,688	2.5	7.6	10.6	16.9	21.1	11.6
Baroda Pioneer Banking And Financial Services Fund Growth	₹49.5237 ↑ 0.22	₹295	2.9	7	11.1	17.5	19	12.5
LIC MF Banking & Financial Services Fund Growth	₹21.9322 ↑ 0.25	₹267	2.4	10.7	10.1	12.9	17.7	0.5
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹62.93 ↑ 0.23	₹3,374	2.7	7.6	9.8	16.8	21.3	8.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Oct 25

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 (₹1,255 Cr).	Lower mid AUM (₹2,819 Cr).	Upper mid AUM (₹8,371 Cr).	Highest AUM (₹9,688 Cr).	Bottom quartile AUM (₹295 Cr).	Bottom quartile AUM (₹267 Cr).	Upper mid AUM (₹3,374 Cr).
Point 2	Oldest track record among peers (21 yrs).	Established history (9+ yrs).	Established history (10+ yrs).	Established history (17+ yrs).	Established history (13+ yrs).	Established history (10+ yrs).	Established history (11+ 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: 20.88% (lower mid).	5Y return: 19.85% (lower mid).	5Y return: 21.29% (upper mid).	5Y return: 21.05% (upper mid).	5Y return: 19.05% (bottom quartile).	5Y return: 17.74% (bottom quartile).	5Y return: 21.34% (top quartile).
Point 6	3Y return: 17.47% (lower mid).	3Y return: 18.69% (upper mid).	3Y return: 19.83% (top quartile).	3Y return: 16.87% (lower mid).	3Y return: 17.54% (upper mid).	3Y return: 12.93% (bottom quartile).	3Y return: 16.78% (bottom quartile).
Point 7	1Y return: 11.44% (upper mid).	1Y return: 11.47% (upper mid).	1Y return: 15.41% (top quartile).	1Y return: 10.64% (lower mid).	1Y return: 11.09% (lower mid).	1Y return: 10.10% (bottom quartile).	1Y return: 9.81% (bottom quartile).
Point 8	Alpha: -3.36 (lower mid).	Alpha: -3.57 (lower mid).	Alpha: 0.46 (top quartile).	Alpha: -2.57 (upper mid).	Alpha: -1.26 (upper mid).	Alpha: -7.08 (bottom quartile).	Alpha: -6.06 (bottom quartile).
Point 9	Sharpe: 0.01 (lower mid).	Sharpe: -0.01 (lower mid).	Sharpe: 0.28 (top quartile).	Sharpe: 0.03 (upper mid).	Sharpe: 0.16 (upper mid).	Sharpe: -0.26 (bottom quartile).	Sharpe: -0.18 (bottom quartile).
Point 10	Information ratio: 0.28 (lower mid).	Information ratio: 0.56 (upper mid).	Information ratio: 0.69 (top quartile).	Information ratio: 0.32 (lower mid).	Information ratio: 0.38 (upper mid).	Information ratio: -0.38 (bottom quartile).	Information ratio: 0.14 (bottom quartile).

UTI Banking and Financial Services Fund

Lower mid AUM (₹1,255 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 20.88% (lower mid).
3Y return: 17.47% (lower mid).
1Y return: 11.44% (upper mid).
Alpha: -3.36 (lower mid).
Sharpe: 0.01 (lower mid).
Information ratio: 0.28 (lower mid).

TATA Banking and Financial Services Fund

Lower mid AUM (₹2,819 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: High.
5Y return: 19.85% (lower mid).
3Y return: 18.69% (upper mid).
1Y return: 11.47% (upper mid).
Alpha: -3.57 (lower mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.56 (upper mid).

SBI Banking & Financial Services Fund

Upper mid AUM (₹8,371 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 21.29% (upper mid).
3Y return: 19.83% (top quartile).
1Y return: 15.41% (top quartile).
Alpha: 0.46 (top quartile).
Sharpe: 0.28 (top quartile).
Information ratio: 0.69 (top quartile).

ICICI Prudential Banking and Financial Services Fund

Highest AUM (₹9,688 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 21.05% (upper mid).
3Y return: 16.87% (lower mid).
1Y return: 10.64% (lower mid).
Alpha: -2.57 (upper mid).
Sharpe: 0.03 (upper mid).
Information ratio: 0.32 (lower mid).

Baroda Pioneer Banking And Financial Services Fund

Bottom quartile AUM (₹295 Cr).
Established history (13+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 19.05% (bottom quartile).
3Y return: 17.54% (upper mid).
1Y return: 11.09% (lower mid).
Alpha: -1.26 (upper mid).
Sharpe: 0.16 (upper mid).
Information ratio: 0.38 (upper mid).

LIC MF Banking & Financial Services Fund

Bottom quartile AUM (₹267 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 17.74% (bottom quartile).
3Y return: 12.93% (bottom quartile).
1Y return: 10.10% (bottom quartile).
Alpha: -7.08 (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: -0.38 (bottom quartile).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,374 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 21.34% (top quartile).
3Y return: 16.78% (bottom quartile).
1Y return: 9.81% (bottom quartile).
Alpha: -6.06 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: 0.14 (bottom quartile).

മുകളിലുള്ള മുകളിലെ പട്ടികബാങ്കിംഗ് & സാമ്പത്തിക സേവനങ്ങൾ എയുഎം/അറ്റ ആസ്തികളേക്കാൾ ഉയർന്ന മ്യൂച്വൽ ഫണ്ടുകൾ100 കോടി.

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 (₹1,255 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 20.88% (lower mid).
3Y return: 17.47% (lower mid).
1Y return: 11.44% (upper mid).
Alpha: -3.36 (lower mid).
Sharpe: 0.01 (lower mid).
Information ratio: 0.28 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~20.6%).
Top-3 holdings concentration ~44.1%.

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 (20 Oct 25)	₹196.688 ↑ 0.57 (0.29 %)
Net Assets (Cr)	₹1,255 on 31 Aug 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.2
Sharpe Ratio	0.01
Information Ratio	0.28
Alpha Ratio	-3.36
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
30 Sep 20	₹10,000
30 Sep 21	₹17,238
30 Sep 22	₹17,050
30 Sep 23	₹20,071
30 Sep 24	₹25,986
30 Sep 25	₹26,946

UTI Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644 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 20 Oct 25

Duration	Returns
1 Month	3.9%
3 Month	3.2%
6 Month	7.2%
1 Year	11.4%
3 Year	17.5%
5 Year	20.9%
10 Year
15 Year
Since launch	14.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.1%
2023	19.5%
2022	15.1%
2021	14.3%
2020	-5.3%
2019	11.6%
2018	-6.8%
2017	43.5%
2016	13%
2015	-11.3%

Fund Manager information for UTI Banking and Financial Services Fund

Name	Since	Tenure
Amit Premchandani	16 Jun 25	0.21 Yr.

Data below for UTI Banking and Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	97.76%
Technology	0.47%

Asset Allocation

Asset Class	Value
Cash	1.76%
Equity	98.24%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 04 \| ICICIBANK	21%	₹259 Cr	1,852,344
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 09 \| HDFCBANK	16%	₹196 Cr	2,061,854 ↑ 50,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| KOTAKBANK	8%	₹98 Cr	500,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| AXISBANK	7%	₹94 Cr	900,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Nov 19 \| BAJFINANCE	6%	₹74 Cr	842,570
State Bank of India (Financial Services) Equity, Since 28 Feb 18 \| SBIN	5%	₹68 Cr	850,000
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| KARURVYSYA	4%	₹51 Cr	2,400,000 ↓ -84,944
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| SHRIRAMFIN	3%	₹41 Cr	700,000
Max Financial Services Ltd (Financial Services) Equity, Since 30 Sep 22 \| MFSL	3%	₹40 Cr	250,000 ↓ -25,000
Indian Bank (Financial Services) Equity, Since 31 May 23 \| INDIANB	3%	₹39 Cr	590,843

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 (₹2,819 Cr).
Established history (9+ yrs).
Not Rated.
Risk profile: High.
5Y return: 19.85% (lower mid).
3Y return: 18.69% (upper mid).
1Y return: 11.47% (upper mid).
Alpha: -3.57 (lower mid).
Sharpe: -0.01 (lower mid).
Information ratio: 0.56 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding HDFC Bank Ltd (~19.6%).
Top-3 holdings concentration ~36.2%.

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 (20 Oct 25)	₹44.5995 ↑ 0.43 (0.98 %)
Net Assets (Cr)	₹2,819 on 31 Aug 25
Category	Equity - Sectoral
AMC	Tata Asset Management Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.98
Sharpe Ratio	-0.01
Information Ratio	0.56
Alpha Ratio	-3.57
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
30 Sep 20	₹10,000
30 Sep 21	₹15,993
30 Sep 22	₹15,596
30 Sep 23	₹19,756
30 Sep 24	₹24,587
30 Sep 25	₹25,559

TATA Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 20 Oct 25

Duration	Returns
1 Month	4.4%
3 Month	2.4%
6 Month	7.7%
1 Year	11.5%
3 Year	18.7%
5 Year	19.9%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for TATA Banking and Financial Services Fund

Name	Since	Tenure
Amey Sathe	14 Oct 21	3.88 Yr.

Data below for TATA Banking and Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	92.58%
Technology	2.57%

Asset Allocation

Asset Class	Value
Cash	4.85%
Equity	95.15%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 16 \| HDFCBANK	20%	₹552 Cr	5,800,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 16 \| KOTAKBANK	8%	₹235 Cr	1,200,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	8%	₹233 Cr	1,665,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| AXISBANK	8%	₹227 Cr	2,170,000
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Apr 25 \| BAJAJFINSV	3%	₹90 Cr	469,857
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	3%	₹79 Cr	990,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Dec 24 \| BAJFINANCE	3%	₹75 Cr	850,000
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Jun 19 \| ICICIGI	3%	₹74 Cr	400,000
One97 Communications Ltd (Technology) Equity, Since 31 Dec 24 \| 543396	3%	₹72 Cr	600,000
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 20 \| MFSL	3%	₹72 Cr	450,000

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 (₹8,371 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 21.29% (upper mid).
3Y return: 19.83% (top quartile).
1Y return: 15.41% (top quartile).
Alpha: 0.46 (top quartile).
Sharpe: 0.28 (top quartile).
Information ratio: 0.69 (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 (~17.5%).
Top-3 holdings concentration ~35.5%.

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

SBI Banking & Financial Services Fund Growth
Launch Date	26 Feb 15
NAV (20 Oct 25)	₹44.4651 ↑ 0.29 (0.67 %)
Net Assets (Cr)	₹8,371 on 31 Aug 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.83
Sharpe Ratio	0.28
Information Ratio	0.69
Alpha Ratio	0.46
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
30 Sep 20	₹10,000
30 Sep 21	₹16,298
30 Sep 22	₹16,190
30 Sep 23	₹18,475
30 Sep 24	₹25,187
30 Sep 25	₹27,423

SBI Banking & Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 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 20 Oct 25

Duration	Returns
1 Month	3.4%
3 Month	4.2%
6 Month	11%
1 Year	15.4%
3 Year	19.8%
5 Year	21.3%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for SBI Banking & Financial Services Fund

Name	Since	Tenure
Milind Agrawal	1 Aug 19	6.09 Yr.
Pradeep Kesavan	1 Dec 23	1.75 Yr.

Data below for SBI Banking & Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	97.35%

Asset Allocation

Asset Class	Value
Cash	2.65%
Equity	97.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| HDFCBANK	18%	₹1,468 Cr	15,429,430 ↓ -1,600,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 28 Feb 23 \| KOTAKBANK	10%	₹802 Cr	4,091,554 ↑ 600,000
State Bank of India (Financial Services) Equity, Since 31 Jul 18 \| SBIN	8%	₹701 Cr	8,730,364
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 16 \| ICICIBANK	7%	₹620 Cr	4,435,814
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 25 \| AXISBANK	7%	₹568 Cr	5,435,410 ↑ 1,500,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 May 25 \| SBILIFE	5%	₹435 Cr	2,408,631 ↑ 783,409
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 31 Mar 25 \| HDFCLIFE	4%	₹375 Cr	4,863,085 ↑ 1,142,267
Max Financial Services Ltd (Financial Services) Equity, Since 30 Apr 25 \| MFSL	4%	₹296 Cr	1,850,168 ↓ -131,961
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Jun 25 \| BAJAJFINSV	3%	₹268 Cr	1,400,000
Aditya Birla Capital Ltd (Financial Services) Equity, Since 31 Mar 25 \| ABCAPITAL	3%	₹252 Cr	9,071,860 ↓ -11,977

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 (₹9,688 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 21.05% (upper mid).
3Y return: 16.87% (lower mid).
1Y return: 10.64% (lower mid).
Alpha: -2.57 (upper mid).
Sharpe: 0.03 (upper mid).
Information ratio: 0.32 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~20.5%).
Top-3 holdings concentration ~47.7%.

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 (20 Oct 25)	₹137.74 ↑ 0.02 (0.01 %)
Net Assets (Cr)	₹9,688 on 31 Aug 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.83
Sharpe Ratio	0.03
Information Ratio	0.32
Alpha Ratio	-2.57
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
30 Sep 20	₹10,000
30 Sep 21	₹17,263
30 Sep 22	₹17,101
30 Sep 23	₹20,162
30 Sep 24	₹25,799
30 Sep 25	₹26,594

ICICI Prudential Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 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 20 Oct 25

Duration	Returns
1 Month	2.8%
3 Month	2.5%
6 Month	7.6%
1 Year	10.6%
3 Year	16.9%
5 Year	21.1%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.6%
2023	17.9%
2022	11.9%
2021	23.5%
2020	-5.5%
2019	14.5%
2018	-0.4%
2017	45.1%
2016	21.1%
2015	-7.2%

Fund Manager information for ICICI Prudential Banking and Financial Services Fund

Name	Since	Tenure
Roshan Chutkey	29 Jan 18	7.59 Yr.
Sharmila D’mello	30 Jun 22	3.17 Yr.

Data below for ICICI Prudential Banking and Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	95.04%
Health Care	1.4%
Industrials	0.33%

Asset Allocation

Asset Class	Value
Cash	3.23%
Equity	96.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| ICICIBANK	21%	₹1,988 Cr	14,219,497 ↑ 131,277
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	19%	₹1,842 Cr	19,359,856 ↑ 1,349,342
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| AXISBANK	8%	₹790 Cr	7,555,437
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	8%	₹762 Cr	9,489,675
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	5%	₹522 Cr	2,892,347
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	5%	₹462 Cr	2,356,388
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	4%	₹394 Cr	5,099,696 ↑ 1,537
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 19 \| MFSL	3%	₹264 Cr	1,649,161 ↓ -199,065
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹249 Cr	1,355,046
LIC Housing Finance Ltd (Financial Services) Equity, Since 30 Nov 24 \| LICHSGFIN	2%	₹192 Cr	3,450,348 ↑ 866,055

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 (₹295 Cr).
Established history (13+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 19.05% (bottom quartile).
3Y return: 17.54% (upper mid).
1Y return: 11.09% (lower mid).
Alpha: -1.26 (upper mid).
Sharpe: 0.16 (upper mid).
Information ratio: 0.38 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~24.8%).
Top-3 holdings concentration ~50.7%.

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 (20 Oct 25)	₹49.5237 ↑ 0.22 (0.45 %)
Net Assets (Cr)	₹295 on 31 Aug 25
Category	Equity - Sectoral
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆
Risk	High
Expense Ratio	2.42
Sharpe Ratio	0.16
Information Ratio	0.38
Alpha Ratio	-1.26
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
30 Sep 20	₹10,000
30 Sep 21	₹15,982
30 Sep 22	₹15,900
30 Sep 23	₹18,287
30 Sep 24	₹24,356
30 Sep 25	₹25,110

Baroda Pioneer Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520 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 20 Oct 25

Duration	Returns
1 Month	3.7%
3 Month	2.9%
6 Month	7%
1 Year	11.1%
3 Year	17.5%
5 Year	19%
10 Year
15 Year
Since launch	12.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.5%
2023	20.5%
2022	15.7%
2021	8%
2020	-1%
2019	23.1%
2018	1.2%
2017	32.9%
2016	8.7%
2015	-11.8%

Fund Manager information for Baroda Pioneer Banking And Financial Services Fund

Name	Since	Tenure
Sandeep Jain	14 Mar 22	3.47 Yr.
Arjun Bagga	21 Oct 24	0.86 Yr.

Data below for Baroda Pioneer Banking And Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	94.86%
Technology	1.55%

Asset Allocation

Asset Class	Value
Cash	2.28%
Equity	97.49%
Debt	0.23%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 14 \| HDFCBANK	25%	₹73 Cr	769,900
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 12 \| ICICIBANK	18%	₹55 Cr	391,000
State Bank of India (Financial Services) Equity, Since 30 Jun 12 \| SBIN	7%	₹22 Cr	271,200 ↑ 25,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 13 \| KOTAKBANK	5%	₹15 Cr	75,500 ↑ 10,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| AXISBANK	4%	₹13 Cr	125,000 ↑ 10,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Oct 21 \| BAJFINANCE	3%	₹9 Cr	104,760 ↑ 10,000
HDFC Asset Management Co Ltd (Financial Services) Equity, Since 31 Aug 24 \| HDFCAMC	3%	₹8 Cr	14,500
Aditya Birla Capital Ltd (Financial Services) Equity, Since 30 Jun 25 \| ABCAPITAL	2%	₹7 Cr	260,000
PB Fintech Ltd (Financial Services) Equity, Since 29 Feb 24 \| 543390	2%	₹7 Cr	40,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 May 25 \| SBILIFE	2%	₹6 Cr	35,300

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 (₹267 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 17.74% (bottom quartile).
3Y return: 12.93% (bottom quartile).
1Y return: 10.10% (bottom quartile).
Alpha: -7.08 (bottom quartile).
Sharpe: -0.26 (bottom quartile).
Information ratio: -0.38 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~19.4%).
Top-3 holdings concentration ~38.3%.

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 (20 Oct 25)	₹21.9322 ↑ 0.25 (1.17 %)
Net Assets (Cr)	₹267 on 31 Aug 25
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.27
Sharpe Ratio	-0.26
Information Ratio	-0.38
Alpha Ratio	-7.08
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
30 Sep 20	₹10,000
30 Sep 21	₹15,821
30 Sep 22	₹16,536
30 Sep 23	₹19,870
30 Sep 24	₹23,160
30 Sep 25	₹23,323

LIC MF Banking & Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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 20 Oct 25

Duration	Returns
1 Month	4.6%
3 Month	2.4%
6 Month	10.7%
1 Year	10.1%
3 Year	12.9%
5 Year	17.7%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

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

Fund Manager information for LIC MF Banking & Financial Services Fund

Name	Since	Tenure
Jaiprakash Toshniwal	6 Sep 21	3.99 Yr.

Data below for LIC MF Banking & Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	92.57%
Technology	2.81%
Consumer Cyclical	1.93%

Asset Allocation

Asset Class	Value
Cash	2.7%
Equity	97.3%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| HDFCBANK	19%	₹52 Cr	543,506
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| ICICIBANK	12%	₹33 Cr	234,537
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 29 Feb 24 \| KOTAKBANK	7%	₹18 Cr	90,147 ↑ 3,885
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| AXISBANK	7%	₹17 Cr	166,028
MAS Financial Services Ltd Ordinary Shares (Financial Services) Equity, Since 31 Mar 22 \| MASFIN	5%	₹12 Cr	402,877
State Bank of India (Financial Services) Equity, Since 31 Mar 20 \| SBIN	4%	₹12 Cr	144,858
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%	₹9 Cr	63,522 ↓ -2,042
Power Finance Corp Ltd (Financial Services) Equity, Since 30 Sep 23 \| PFC	3%	₹8 Cr	218,047
Shriram Finance Ltd (Financial Services) Equity, Since 30 Apr 24 \| SHRIRAMFIN	3%	₹8 Cr	136,529 ↑ 37,437

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 (₹3,374 Cr).
Established history (11+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 21.34% (top quartile).
3Y return: 16.78% (bottom quartile).
1Y return: 9.81% (bottom quartile).
Alpha: -6.06 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: 0.14 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~20.4%).
Top-3 holdings concentration ~46.1%.

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 (20 Oct 25)	₹62.93 ↑ 0.23 (0.37 %)
Net Assets (Cr)	₹3,374 on 31 Aug 25
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	-0.18
Information Ratio	0.14
Alpha Ratio	-6.06
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
30 Sep 20	₹10,000
30 Sep 21	₹17,779
30 Sep 22	₹17,350
30 Sep 23	₹21,687
30 Sep 24	₹26,653
30 Sep 25	₹27,010

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 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 20 Oct 25

Duration	Returns
1 Month	3.4%
3 Month	2.7%
6 Month	7.6%
1 Year	9.8%
3 Year	16.8%
5 Year	21.3%
10 Year
15 Year
Since launch	16.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.7%
2023	21.7%
2022	11.5%
2021	16.8%
2020	1.1%
2019	14.9%
2018	-2.4%
2017	47.6%
2016	15.7%
2015	-0.5%

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

Name	Since	Tenure
Dhaval Gala	26 Aug 15	10.02 Yr.
Dhaval Joshi	21 Nov 22	2.78 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	96.39%
Technology	1.15%

Asset Allocation

Asset Class	Value
Cash	2.46%
Equity	97.54%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	20%	₹689 Cr	4,927,929
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	19%	₹626 Cr	6,583,496
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| AXISBANK	7%	₹241 Cr	2,302,100
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	6%	₹218 Cr	2,718,689
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| BAJFINANCE	6%	₹188 Cr	2,137,250
HDB Financial Services Ltd (Financial Services) Equity, Since 30 Jun 25 \| HDBFS	3%	₹111 Cr	1,429,781
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	3%	₹108 Cr	623,906
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹104 Cr	565,076
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| AUBANK	3%	₹104 Cr	1,446,861
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	3%	₹92 Cr	469,972

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