टॉप 7 सर्वोत्तम कामगिरी करणारे बँकिंग आणि वित्तीय सेवा फंड 2022

Updated on August 1, 2026 , 91227 views

बँकिंग आणि वित्तीय सेवाक्षेत्र निधी इक्विटी सेक्टर फंडांचा एक प्रकार आहे जे प्रामुख्याने बँकिंग आणि वित्तीय सेवा पुरवणाऱ्या कंपन्यांमध्ये गुंतवणूक करतात. गेल्या एका वर्षात, बँकिंग क्षेत्रातील फंडांनी अत्यंत मजबूत कामगिरी केली आहेबाजार.गेल्या 6 महिन्यांत बँकिंग क्षेत्रातील काही प्रमुखम्युच्युअल फंड सरासरी 27 टक्के - 31 टक्के परतावा दिला आहे. असा उच्च परतावा नेहमीच आकर्षक असतो आणि बरेच गुंतवणूकदार त्याकडे झुकतातगुंतवणूक अशा निधीमध्ये.

तद्वतच, अगुंतवणूकदार ज्यांना इक्विटीचा अनुभव आहे आणि बँकिंग क्षेत्रातील चांगले ज्ञान आहे त्यांनीच या फंडांमध्ये गुंतवणूक करावी. तुमची गुंतवणूक प्रक्रिया सुलभ करण्यासाठी, आम्ही भारतातील सर्वोच्च कामगिरी करणाऱ्या बेकिंग सेक्टर फंडांची यादी केली आहे.

भारतीय बँकिंग क्षेत्र - विहंगावलोकन

भारतीय बँकिंग प्रणालीमध्ये सहकारी पतसंस्थांच्या व्यतिरिक्त 27 सार्वजनिक क्षेत्रातील बँका, 26 खाजगी क्षेत्रातील बँका, 56 प्रादेशिक ग्रामीण बँका, 46 विदेशी बँका, 93,913 ग्रामीण सहकारी बँका आणि 1,574 शहरी सहकारी बँका यांचा समावेश आहे. या क्षेत्रातील काही प्रमुख खेळाडू आहेत- HDFCबँक, स्टेट बँक ऑफ इंडिया,आयसीआयसीआय बँक लिमिटेड, येस बँक इ. सार्वजनिक क्षेत्रातील बँका बँकिंग प्रणालीच्या 70 टक्क्यांहून अधिक मालमत्तेवर नियंत्रण ठेवतात, ज्यामुळे त्यांच्या खाजगी समवयस्कांसाठी तुलनेने कमी वाटा राहतो.

या क्षेत्रात अनेक आश्वासक आणि आघाडीच्या कंपन्या असल्या तरी गुंतवणूकदारांनी त्या क्षेत्राला विसरू नयेइक्विटी फंड सर्व इक्विटी फंडांपैकी हे सर्वात धोकादायक आहेत. अशा प्रकारे, अनुभवी गुंतवणूकदार उच्च-जोखीम भूक आणि ज्यांना दीर्घकालीन गुंतवणूक करायची आहे, त्यांनी आदर्शपणे खालील फंडांमध्ये गुंतवणूक करण्याचा विचार केला पाहिजे.

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भारतात गुंतवणूक करण्यासाठी टॉप 7 बँकिंग आणि फायनान्स म्युच्युअल फंड

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2025 (%)
UTI Banking and Financial Services Fund Growth	₹200.799 ↑ 3.51	₹1,430	7.3	-0.3	7.9	14	12.3	16.3
TATA Banking and Financial Services Fund Growth	₹44.5126 ↑ 0.75	₹3,171	5.2	-1.4	5.8	12.2	12.1	17.5
SBI Banking & Financial Services Fund Growth	₹44.38 ↑ 0.41	₹10,845	3.9	-3.5	6.1	16.4	12.9	20.4
ICICI Prudential Banking and Financial Services Fund Growth	₹132.81 ↑ 1.97	₹11,034	4.3	-3.5	0	10.6	9.8	15.9
Baroda Pioneer Banking And Financial Services Fund Growth	₹50.332 ↑ 0.77	₹421	7.2	0.2	6.4	14.6	12.3	14.4
LIC MF Banking & Financial Services Fund Growth	₹22.0149 ↑ 0.36	₹269	5.9	-1.3	6.2	8.4	10.6	16.5
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹64.17 ↑ 0.95	₹3,676	5.1	0.1	7.7	11.5	11.4	17.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 3 Aug 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 (₹1,430 Cr).	Lower mid AUM (₹3,171 Cr).	Upper mid AUM (₹10,845 Cr).	Highest AUM (₹11,034 Cr).	Bottom quartile AUM (₹421 Cr).	Bottom quartile AUM (₹269 Cr).	Upper mid AUM (₹3,676 Cr).
Point 2	Oldest track record among peers (22 yrs).	Established history (10+ yrs).	Established history (11+ yrs).	Established history (17+ yrs).	Established history (14+ yrs).	Established history (11+ 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: 12.31% (upper mid).	5Y return: 12.07% (lower mid).	5Y return: 12.86% (top quartile).	5Y return: 9.79% (bottom quartile).	5Y return: 12.35% (upper mid).	5Y return: 10.59% (bottom quartile).	5Y return: 11.43% (lower mid).
Point 6	3Y return: 14.03% (upper mid).	3Y return: 12.18% (lower mid).	3Y return: 16.38% (top quartile).	3Y return: 10.56% (bottom quartile).	3Y return: 14.55% (upper mid).	3Y return: 8.42% (bottom quartile).	3Y return: 11.55% (lower mid).
Point 7	1Y return: 7.90% (top quartile).	1Y return: 5.76% (bottom quartile).	1Y return: 6.11% (lower mid).	1Y return: -0.03% (bottom quartile).	1Y return: 6.37% (upper mid).	1Y return: 6.20% (lower mid).	1Y return: 7.74% (upper mid).
Point 8	Alpha: 1.61 (upper mid).	Alpha: -0.20 (bottom quartile).	Alpha: 2.16 (upper mid).	Alpha: -2.76 (bottom quartile).	Alpha: 0.12 (lower mid).	Alpha: 1.42 (lower mid).	Alpha: 3.47 (top quartile).
Point 9	Sharpe: -0.14 (upper mid).	Sharpe: -0.23 (bottom quartile).	Sharpe: -0.11 (upper mid).	Sharpe: -0.36 (bottom quartile).	Sharpe: -0.21 (lower mid).	Sharpe: -0.15 (lower mid).	Sharpe: -0.06 (top quartile).
Point 10	Information ratio: 0.35 (upper mid).	Information ratio: 0.25 (lower mid).	Information ratio: 0.96 (top quartile).	Information ratio: -0.10 (bottom quartile).	Information ratio: 0.55 (upper mid).	Information ratio: -0.52 (bottom quartile).	Information ratio: 0.24 (lower mid).

UTI Banking and Financial Services Fund

Lower mid AUM (₹1,430 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 12.31% (upper mid).
3Y return: 14.03% (upper mid).
1Y return: 7.90% (top quartile).
Alpha: 1.61 (upper mid).
Sharpe: -0.14 (upper mid).
Information ratio: 0.35 (upper mid).

TATA Banking and Financial Services Fund

Lower mid AUM (₹3,171 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 12.07% (lower mid).
3Y return: 12.18% (lower mid).
1Y return: 5.76% (bottom quartile).
Alpha: -0.20 (bottom quartile).
Sharpe: -0.23 (bottom quartile).
Information ratio: 0.25 (lower mid).

SBI Banking & Financial Services Fund

Upper mid AUM (₹10,845 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 12.86% (top quartile).
3Y return: 16.38% (top quartile).
1Y return: 6.11% (lower mid).
Alpha: 2.16 (upper mid).
Sharpe: -0.11 (upper mid).
Information ratio: 0.96 (top quartile).

ICICI Prudential Banking and Financial Services Fund

Highest AUM (₹11,034 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 9.79% (bottom quartile).
3Y return: 10.56% (bottom quartile).
1Y return: -0.03% (bottom quartile).
Alpha: -2.76 (bottom quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: -0.10 (bottom quartile).

Baroda Pioneer Banking And Financial Services Fund

Bottom quartile AUM (₹421 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 12.35% (upper mid).
3Y return: 14.55% (upper mid).
1Y return: 6.37% (upper mid).
Alpha: 0.12 (lower mid).
Sharpe: -0.21 (lower mid).
Information ratio: 0.55 (upper mid).

LIC MF Banking & Financial Services Fund

Bottom quartile AUM (₹269 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 10.59% (bottom quartile).
3Y return: 8.42% (bottom quartile).
1Y return: 6.20% (lower mid).
Alpha: 1.42 (lower mid).
Sharpe: -0.15 (lower mid).
Information ratio: -0.52 (bottom quartile).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,676 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 11.43% (lower mid).
3Y return: 11.55% (lower mid).
1Y return: 7.74% (upper mid).
Alpha: 3.47 (top quartile).
Sharpe: -0.06 (top quartile).
Information ratio: 0.24 (lower mid).

वरची यादीबँकिंग आणि वित्तीय सेवा पेक्षा जास्त एयूएम/निव्वळ मालमत्ता असलेले म्युच्युअल फंड100 कोटी.

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 (₹1,430 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 12.31% (upper mid).
3Y return: 14.03% (upper mid).
1Y return: 7.90% (top quartile).
Alpha: 1.61 (upper mid).
Sharpe: -0.14 (upper mid).
Information ratio: 0.35 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~17.4%).
Top-3 holdings concentration ~40.5%.

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 (03 Aug 26)	₹200.799 ↑ 3.51 (1.78 %)
Net Assets (Cr)	₹1,430 on 30 Jun 26
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.2
Sharpe Ratio	-0.14
Information Ratio	0.35
Alpha Ratio	1.61
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 Jul 21	₹10,000
31 Jul 22	₹10,481
31 Jul 23	₹12,591
31 Jul 24	₹15,514
31 Jul 25	₹17,010
31 Jul 26	₹17,892

UTI Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 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 3 Aug 26

Duration	Returns
1 Month	1%
3 Month	7.3%
6 Month	-0.3%
1 Year	7.9%
3 Year	14%
5 Year	12.3%
10 Year
15 Year
Since launch	14.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	16.3%
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%

Fund Manager information for UTI Banking and Financial Services Fund

Name	Since	Tenure
Amit Premchandani	16 Jun 25	1.12 Yr.
Bhavesh Kanani	12 Jan 26	0.55 Yr.

Data below for UTI Banking and Financial Services Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	95.87%
Technology	1.6%

Asset Allocation

Asset Class	Value
Cash	2.52%
Equity	97.48%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 09 \| HDFCBANK	17%	₹249 Cr	3,125,000 ↑ 50,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 04 \| ICICIBANK	14%	₹200 Cr	1,451,000 ↑ 56,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| 532215	9%	₹131 Cr	970,000 ↑ 150,000
State Bank of India (Financial Services) Equity, Since 28 Feb 18 \| SBIN	9%	₹128 Cr	1,248,490
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Nov 19 \| 500034	8%	₹114 Cr	1,135,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| KOTAKBANK	7%	₹100 Cr	2,550,000
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| SHRIRAMFIN	5%	₹72 Cr	692,975 ↓ -75,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 28 Feb 25 \| SBILIFE	3%	₹49 Cr	277,000
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Aug 24 \| 532978	3%	₹44 Cr	246,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Apr 25 \| UJJIVANSFB	3%	₹41 Cr	6,884,317

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 (₹3,171 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 12.07% (lower mid).
3Y return: 12.18% (lower mid).
1Y return: 5.76% (bottom quartile).
Alpha: -0.20 (bottom quartile).
Sharpe: -0.23 (bottom quartile).
Information ratio: 0.25 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~10.4%).

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 (03 Aug 26)	₹44.5126 ↑ 0.75 (1.72 %)
Net Assets (Cr)	₹3,171 on 30 Jun 26
Category	Equity - Sectoral
AMC	Tata Asset Management Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.98
Sharpe Ratio	-0.23
Information Ratio	0.25
Alpha Ratio	-0.2
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 Jul 21	₹10,000
31 Jul 22	₹10,043
31 Jul 23	₹13,028
31 Jul 24	₹15,522
31 Jul 25	₹17,210
31 Jul 26	₹17,690

TATA Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 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 3 Aug 26

Duration	Returns
1 Month	-0.3%
3 Month	5.2%
6 Month	-1.4%
1 Year	5.8%
3 Year	12.2%
5 Year	12.1%
10 Year
15 Year
Since launch	15.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	17.5%
2024	9%
2023	22%
2022	16.9%
2021	11.9%
2020	2.7%
2019	25.7%
2018	-0.1%
2017	45%
2016	17.8%

Fund Manager information for TATA Banking and Financial Services Fund

Name	Since	Tenure
Kapil Malhotra	31 Oct 25	0.75 Yr.

Data below for TATA Banking and Financial Services Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	94.01%
Technology	4.52%

Asset Allocation

Asset Class	Value
Cash	1.46%
Equity	98.54%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	10%	₹330 Cr	2,400,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 16 \| HDFCBANK	10%	₹314 Cr	3,930,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	9%	₹292 Cr	2,170,000
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	9%	₹291 Cr	2,832,000
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 26 \| SHRIRAMFIN	5%	₹153 Cr	1,464,000
HDFC Asset Management Co Ltd (Financial Services) Equity, Since 30 Apr 26 \| HDFCAMC	5%	₹145 Cr	546,000 ↑ 27,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Apr 26 \| KOTAKBANK	4%	₹135 Cr	3,435,000 ↑ 135,000
PB Fintech Ltd (Financial Services) Equity, Since 28 Feb 26 \| POLICYBZR	4%	₹131 Cr	807,000 ↑ 189,000
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Oct 21 \| PNBHOUSING	4%	₹119 Cr	1,149,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jul 25 \| SBILIFE	4%	₹119 Cr	672,000

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 (₹10,845 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 12.86% (top quartile).
3Y return: 16.38% (top quartile).
1Y return: 6.11% (lower mid).
Alpha: 2.16 (upper mid).
Sharpe: -0.11 (upper mid).
Information ratio: 0.96 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~18.1%).
Top-3 holdings concentration ~41.3%.

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

SBI Banking & Financial Services Fund Growth
Launch Date	26 Feb 15
NAV (03 Aug 26)	₹44.38 ↑ 0.41 (0.94 %)
Net Assets (Cr)	₹10,845 on 30 Jun 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.83
Sharpe Ratio	-0.11
Information Ratio	0.96
Alpha Ratio	2.16
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 Jul 21	₹10,000
31 Jul 22	₹10,293
31 Jul 23	₹12,159
31 Jul 24	₹15,766
31 Jul 25	₹17,695
31 Jul 26	₹18,462

SBI Banking & Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 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 3 Aug 26

Duration	Returns
1 Month	-0.1%
3 Month	3.9%
6 Month	-3.5%
1 Year	6.1%
3 Year	16.4%
5 Year	12.9%
10 Year
15 Year
Since launch	13.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	20.4%
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%

Fund Manager information for SBI Banking & Financial Services Fund

Name	Since	Tenure
Milind Agrawal	1 Aug 19	7 Yr.
Pradeep Kesavan	1 Dec 23	2.67 Yr.

Data below for SBI Banking & Financial Services Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	94.45%
Technology	2.37%

Asset Allocation

Asset Class	Value
Cash	1.75%
Equity	98.21%
Debt	0.05%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| HDFCBANK	18%	₹1,968 Cr	24,666,796 ↑ 16,450,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 16 \| ICICIBANK	13%	₹1,453 Cr	10,569,214
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 28 Feb 23 \| KOTAKBANK	10%	₹1,057 Cr	26,957,770
State Bank of India (Financial Services) Equity, Since 31 Jul 18 \| SBIN	7%	₹753 Cr	7,330,364 ↓ -2,000,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 25 \| 500034	6%	₹608 Cr	6,055,793 ↑ 3,246,250
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 31 Mar 25 \| HDFCLIFE	4%	₹481 Cr	8,348,085
Muthoot Finance Ltd (Financial Services) Equity, Since 31 Dec 22 \| 533398	4%	₹479 Cr	1,596,965 ↓ -193,837
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 25 \| 532215	4%	₹405 Cr	3,011,517 ↓ -2,000,000
Bank of Baroda (Financial Services) Equity, Since 31 Mar 25 \| 532134	3%	₹311 Cr	11,411,716
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 28 Feb 26 \| CHOLAFIN	2%	₹251 Cr	1,400,000

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 (₹11,034 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 9.79% (bottom quartile).
3Y return: 10.56% (bottom quartile).
1Y return: -0.03% (bottom quartile).
Alpha: -2.76 (bottom quartile).
Sharpe: -0.36 (bottom quartile).
Information ratio: -0.10 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~13.7%).
Top-3 holdings concentration ~35.1%.

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 (03 Aug 26)	₹132.81 ↑ 1.97 (1.51 %)
Net Assets (Cr)	₹11,034 on 30 Jun 26
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.83
Sharpe Ratio	-0.36
Information Ratio	-0.1
Alpha Ratio	-2.76
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 Jul 21	₹10,000
31 Jul 22	₹10,200
31 Jul 23	₹12,301
31 Jul 24	₹14,811
31 Jul 25	₹16,371
31 Jul 26	₹15,983

ICICI Prudential Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 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 3 Aug 26

Duration	Returns
1 Month	-0.7%
3 Month	4.3%
6 Month	-3.5%
1 Year	0%
3 Year	10.6%
5 Year	9.8%
10 Year
15 Year
Since launch	15.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	15.9%
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%

Fund Manager information for ICICI Prudential Banking and Financial Services Fund

Name	Since	Tenure
Sharmila D'Silva	30 Jun 22	4.09 Yr.
Antariksha Banerjee	2 Mar 26	0.42 Yr.

Data below for ICICI Prudential Banking and Financial Services Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	93.54%
Health Care	0.95%
Industrials	0.24%

Asset Allocation

Asset Class	Value
Cash	6.15%
Equity	93.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| ICICIBANK	14%	₹1,509 Cr	10,972,843
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	13%	₹1,415 Cr	17,737,181 ↓ -1,301,850
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| 532215	9%	₹949 Cr	7,050,554 ↓ -193,750
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	7%	₹749 Cr	19,103,121 ↓ -898,777
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	6%	₹693 Cr	6,751,568 ↑ 262,500
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	4%	₹442 Cr	2,504,988 ↑ 306,607
LIC Housing Finance Ltd (Financial Services) Equity, Since 30 Nov 24 \| LICHSGFIN	3%	₹384 Cr	6,799,870
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 30 Nov 25 \| SBICARD	3%	₹317 Cr	5,346,071 ↓ -405,600
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	3%	₹313 Cr	5,428,988 ↑ 1,285,250
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Mar 25 \| 532978	2%	₹239 Cr	1,343,217 ↑ 201,733

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 (₹421 Cr).
Established history (14+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 12.35% (upper mid).
3Y return: 14.55% (upper mid).
1Y return: 6.37% (upper mid).
Alpha: 0.12 (lower mid).
Sharpe: -0.21 (lower mid).
Information ratio: 0.55 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~8.9%).

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 (03 Aug 26)	₹50.332 ↑ 0.77 (1.55 %)
Net Assets (Cr)	₹421 on 30 Jun 26
Category	Equity - Sectoral
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆
Risk	High
Expense Ratio	2.42
Sharpe Ratio	-0.22
Information Ratio	0.55
Alpha Ratio	0.12
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 Jul 21	₹10,000
31 Jul 22	₹10,564
31 Jul 23	₹12,431
31 Jul 24	₹15,309
31 Jul 25	₹17,322
31 Jul 26	₹17,945

Baroda Pioneer Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 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 3 Aug 26

Duration	Returns
1 Month	2.1%
3 Month	7.2%
6 Month	0.2%
1 Year	6.4%
3 Year	14.6%
5 Year	12.3%
10 Year
15 Year
Since launch	12.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	14.4%
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%

Fund Manager information for Baroda Pioneer Banking And Financial Services Fund

Name	Since	Tenure
Silky Jain	1 Jul 26	0.08 Yr.
Kirtan Mehta	29 Nov 25	0.67 Yr.
Yash Mehta	29 Nov 25	0.67 Yr.

Data below for Baroda Pioneer Banking And Financial Services Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	93.01%
Technology	2.06%

Asset Allocation

Asset Class	Value
Cash	3.69%
Equity	96.31%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 30 Jun 12 \| SBIN	9%	₹37 Cr	365,000 ↓ -20,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| 532215	9%	₹36 Cr	270,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 14 \| HDFCBANK	9%	₹36 Cr	450,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 12 \| ICICIBANK	8%	₹34 Cr	250,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 13 \| KOTAKBANK	7%	₹27 Cr	700,000 ↑ 50,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Oct 21 \| 500034	5%	₹19 Cr	190,000 ↑ 40,000
IndusInd Bank Ltd (Financial Services) Equity, Since 30 Nov 25 \| INDUSINDBK	4%	₹19 Cr	202,500 ↓ -22,500
Shriram Finance Ltd (Financial Services) Equity, Since 31 Dec 25 \| SHRIRAMFIN	4%	₹17 Cr	160,000 ↑ 15,000
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 30 Jun 25 \| MCX	3%	₹14 Cr	50,000 ↑ 5,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Jun 25 \| UJJIVANSFB	3%	₹12 Cr	2,000,000 ↑ 200,000

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 (₹269 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: High.
5Y return: 10.59% (bottom quartile).
3Y return: 8.42% (bottom quartile).
1Y return: 6.20% (lower mid).
Alpha: 1.42 (lower mid).
Sharpe: -0.15 (lower mid).
Information ratio: -0.52 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
Largest holding ICICI Bank Ltd (~13.5%).

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 (03 Aug 26)	₹22.0149 ↑ 0.36 (1.68 %)
Net Assets (Cr)	₹269 on 30 Jun 26
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.27
Sharpe Ratio	-0.15
Information Ratio	-0.52
Alpha Ratio	1.42
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 Jul 21	₹10,000
31 Jul 22	₹10,701
31 Jul 23	₹13,522
31 Jul 24	₹15,223
31 Jul 25	₹15,994
31 Jul 26	₹16,554

LIC MF Banking & Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹395,578.
Net Profit of ₹95,578 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 3 Aug 26

Duration	Returns
1 Month	0.6%
3 Month	5.9%
6 Month	-1.3%
1 Year	6.2%
3 Year	8.4%
5 Year	10.6%
10 Year
15 Year
Since launch	7.2%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	16.5%
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%

Fund Manager information for LIC MF Banking & Financial Services Fund

Name	Since	Tenure
Sudhanshu Asthana	7 Apr 26	0.32 Yr.

Data below for LIC MF Banking & Financial Services Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	91.89%
Technology	2.67%

Asset Allocation

Asset Class	Value
Cash	5.44%
Equity	94.56%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| ICICIBANK	13%	₹36 Cr	263,994
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| 532215	10%	₹26 Cr	195,239 ↓ -9,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| HDFCBANK	9%	₹24 Cr	296,386 ↓ -68,500
AU Small Finance Bank Ltd (Financial Services) Equity, Since 31 Jan 26 \| 540611	5%	₹15 Cr	141,904
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Jan 26 \| 500034	5%	₹12 Cr	123,264
IndusInd Bank Ltd (Financial Services) Equity, Since 31 May 26 \| INDUSINDBK	3%	₹9 Cr	101,500 ↑ 44,000
Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services) Equity, Since 31 Oct 24 \| NAM-INDIA	3%	₹9 Cr	78,642
PB Fintech Ltd (Financial Services) Equity, Since 30 Sep 25 \| POLICYBZR	3%	₹8 Cr	50,070 ↑ 16,000
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 30 Sep 22 \| CREDITACC	3%	₹8 Cr	54,394
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Jan 26 \| 590003	3%	₹8 Cr	268,681

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 (₹3,676 Cr).
Established history (12+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 11.43% (lower mid).
3Y return: 11.55% (lower mid).
1Y return: 7.74% (upper mid).
Alpha: 3.47 (top quartile).
Sharpe: -0.06 (top quartile).
Information ratio: 0.24 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~13.6%).

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 (03 Aug 26)	₹64.17 ↑ 0.95 (1.50 %)
Net Assets (Cr)	₹3,676 on 30 Jun 26
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	-0.06
Information Ratio	0.24
Alpha Ratio	3.47
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 Jul 21	₹10,000
31 Jul 22	₹10,150
31 Jul 23	₹12,850
31 Jul 24	₹15,342
31 Jul 25	₹16,422
31 Jul 26	₹17,240

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 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 3 Aug 26

Duration	Returns
1 Month	-0.3%
3 Month	5.1%
6 Month	0.1%
1 Year	7.7%
3 Year	11.5%
5 Year	11.4%
10 Year
15 Year
Since launch	15.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	17.5%
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%

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

Name	Since	Tenure
Dhaval Gala	26 Aug 15	10.94 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 30 Jun 26

Equity Sector Allocation

Sector	Value
Financial Services	97.42%
Technology	1.13%

Asset Allocation

Asset Class	Value
Cash	1.17%
Equity	98.83%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	14%	₹500 Cr	3,636,644 ↓ -81,285
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	11%	₹404 Cr	5,058,496
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	8%	₹310 Cr	2,302,100
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| 500034	6%	₹215 Cr	2,137,250
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	5%	₹197 Cr	1,918,689
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	5%	₹197 Cr	1,886,669
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹131 Cr	3,346,665
Bank of Maharashtra (Financial Services) Equity, Since 31 Dec 25 \| MAHABANK	3%	₹115 Cr	12,546,499
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| 540611	3%	₹109 Cr	1,046,861
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Aug 24 \| PNBHOUSING	3%	₹95 Cr	918,856

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