बेस्ट फायनान्शियल म्युच्युअल फंड 2022

Updated on February 15, 2026 , 16239 views

एक आर्थिकम्युच्युअल फंड क्षेत्राचा एक भाग आहेतइक्विटी फंड. हे फंड 'बँकिंग आणि फायनान्शियल सर्व्हिसेस फंड' म्हणूनही ओळखले जातात. या निधीचे उद्दिष्ट निर्माण करणे हे आहेउत्पन्न द्वारेगुंतवणूक बँकिंग क्षेत्र आणि वित्तीय उद्योगाला पुरविणाऱ्या कंपन्यांच्या स्टॉक्स/शेअर्समध्ये. तर, गुंतवणुकीसाठी सर्वोत्कृष्ट आर्थिक म्युच्युअल फंडांसह, आर्थिक निधीची भविष्यातील क्षमता समजून घेऊया.

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भारतातील आर्थिक म्युच्युअल फंड

द्वारे जाहीर झालेल्या जुलै 2017 च्या आकडेवारीवर नजर टाकली तरसेबी, बँकिंग आणिक्षेत्र निधी सर्वात पसंतीचे होते. डेटा दाखवते कीबँक आणि वित्त- दोन आघाडीच्या क्षेत्रांनी शेअर AUM मध्ये मोठी वाढ दर्शविली आहे.

जुलै २०१७ च्या आकडेवारीनुसार, आघाडीचे क्षेत्र असलेल्या बँकिंग क्षेत्राची AUM अवघ्या सहा महिन्यांत 20.9 टक्क्यांवरून 22.6 टक्क्यांवर गेली आहे.

फायनान्शिअल म्युच्युअल फंडात ऑनलाइन गुंतवणूक कशी करावी?

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सुरु करूया

उत्कृष्ट कामगिरी करणारे सर्वोत्कृष्ट वित्तीय म्युच्युअल फंड FY 22 - 23

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹65.04 ↑ 0.07	₹3,694	0.6	8.7	24.5	17.8	12.6	17.5
ICICI Prudential Banking and Financial Services Fund Growth	₹138.82 ↑ 0.32	₹11,154	-0.5	4.3	17.7	16.6	12.3	15.9
Invesco India Financial Services Fund Growth	₹147.39 ↑ 0.17	₹1,599	1.5	7.9	25.8	22.8	15.2	15.1
UTI Banking and Financial Services Fund Growth	₹204.796 ↑ 0.42	₹1,382	3.1	9.8	25.1	18.5	12.7	16.3
Sundaram Financial Services Opportunities Fund Growth	₹112.447 ↑ 0.67	₹1,661	3	12.5	24.4	20.4	14.4	16.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Feb 26

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Banking And Financial Services Fund	ICICI Prudential Banking and Financial Services Fund	Invesco India Financial Services Fund	UTI Banking and Financial Services Fund	Sundaram Financial Services Opportunities Fund
Point 1	Upper mid AUM (₹3,694 Cr).	Highest AUM (₹11,154 Cr).	Bottom quartile AUM (₹1,599 Cr).	Bottom quartile AUM (₹1,382 Cr).	Lower mid AUM (₹1,661 Cr).
Point 2	Established history (12+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).	Oldest track record among peers (21 yrs).	Established history (17+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 4★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).
Point 4	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.	Risk profile: High.
Point 5	5Y return: 12.59% (bottom quartile).	5Y return: 12.26% (bottom quartile).	5Y return: 15.24% (top quartile).	5Y return: 12.66% (lower mid).	5Y return: 14.43% (upper mid).
Point 6	3Y return: 17.81% (bottom quartile).	3Y return: 16.58% (bottom quartile).	3Y return: 22.78% (top quartile).	3Y return: 18.48% (lower mid).	3Y return: 20.41% (upper mid).
Point 7	1Y return: 24.50% (lower mid).	1Y return: 17.66% (bottom quartile).	1Y return: 25.80% (top quartile).	1Y return: 25.07% (upper mid).	1Y return: 24.39% (bottom quartile).
Point 8	Alpha: -1.32 (upper mid).	Alpha: -0.56 (top quartile).	Alpha: -4.92 (bottom quartile).	Alpha: -2.74 (bottom quartile).	Alpha: -2.54 (lower mid).
Point 9	Sharpe: 0.84 (upper mid).	Sharpe: 0.88 (top quartile).	Sharpe: 0.59 (bottom quartile).	Sharpe: 0.75 (lower mid).	Sharpe: 0.73 (bottom quartile).
Point 10	Information ratio: 0.25 (lower mid).	Information ratio: 0.16 (bottom quartile).	Information ratio: 0.79 (top quartile).	Information ratio: 0.22 (bottom quartile).	Information ratio: 0.60 (upper mid).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,694 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: High.
5Y return: 12.59% (bottom quartile).
3Y return: 17.81% (bottom quartile).
1Y return: 24.50% (lower mid).
Alpha: -1.32 (upper mid).
Sharpe: 0.84 (upper mid).
Information ratio: 0.25 (lower mid).

ICICI Prudential Banking and Financial Services Fund

Highest AUM (₹11,154 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 12.26% (bottom quartile).
3Y return: 16.58% (bottom quartile).
1Y return: 17.66% (bottom quartile).
Alpha: -0.56 (top quartile).
Sharpe: 0.88 (top quartile).
Information ratio: 0.16 (bottom quartile).

Invesco India Financial Services Fund

Bottom quartile AUM (₹1,599 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 15.24% (top quartile).
3Y return: 22.78% (top quartile).
1Y return: 25.80% (top quartile).
Alpha: -4.92 (bottom quartile).
Sharpe: 0.59 (bottom quartile).
Information ratio: 0.79 (top quartile).

UTI Banking and Financial Services Fund

Bottom quartile AUM (₹1,382 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 12.66% (lower mid).
3Y return: 18.48% (lower mid).
1Y return: 25.07% (upper mid).
Alpha: -2.74 (bottom quartile).
Sharpe: 0.75 (lower mid).
Information ratio: 0.22 (bottom quartile).

Sundaram Financial Services Opportunities Fund

Lower mid AUM (₹1,661 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 14.43% (upper mid).
3Y return: 20.41% (upper mid).
1Y return: 24.39% (bottom quartile).
Alpha: -2.54 (lower mid).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.60 (upper mid).

जेव्हा आपण भारताच्या बँकिंग आणि वित्त क्षेत्राबद्दल बोलतो, तेव्हा आपल्याकडे अनेक प्रमुख खेळाडू आहेतआयसीआयसीआय बँक Ltd, HDFC Bank Ltd, State Bank of India, Yes Bank Ltd, Axis Bank Ltd, इ. भारतीय बँकिंग प्रणालीमध्ये 26 खाजगी क्षेत्रातील बँका, 27 सार्वजनिक क्षेत्रातील बँका, 1,574 नागरी सहकारी बँका, 56 प्रादेशिक ग्रामीण बँका, 46 विदेशी बँका आहेत. आणि सहकारी पतसंस्थांच्या व्यतिरिक्त 93,913 ग्रामीण सहकारी बँका.

बँकिंग आणि वित्तीय उद्योगात कार्यरत असलेल्या कंपन्या अत्यंत नियमन केलेल्या असतात. बर्‍याच चांगल्या कंपन्यांचे उद्दिष्ट सातत्यपूर्ण कामगिरी आणि वर्षानुवर्षे परतावा देण्याचे असते, परिणामी, सेक्टर फंडांमध्ये गुंतवणूक करण्याची योजना आखत असलेल्या गुंतवणूकदारांसाठी यामुळे आत्मविश्वास निर्माण होतो. तथापि, अशा फंडांचे जोखीम घटक नेहमी लक्षात ठेवावेत. हे फंड, कधीतरी, दोन टोकांवर असू शकतात, ते चांगले परतावा देऊ शकतात आणि काहीवेळा वाईट कामगिरी देखील करू शकतात. त्यामुळे अशा सेक्टर फंडांमध्ये गुंतवणूक करण्याचा विचार करणाऱ्या गुंतवणूकदारांनी उच्च-जोखीम भूक आणि दीर्घ कालावधीसाठी गुंतवणूक केली पाहिजे. तद्वतच, वैविध्यपूर्ण हेतूने अशा फंडांमध्ये गुंतवणूक करावी.

1. 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 (₹3,694 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: High.
5Y return: 12.59% (bottom quartile).
3Y return: 17.81% (bottom quartile).
1Y return: 24.50% (lower mid).
Alpha: -1.32 (upper mid).
Sharpe: 0.84 (upper mid).
Information ratio: 0.25 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~13.8%).
Top-3 holdings concentration ~36.3%.

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 (17 Feb 26)	₹65.04 ↑ 0.07 (0.11 %)
Net Assets (Cr)	₹3,694 on 31 Dec 25
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.84
Information Ratio	0.25
Alpha Ratio	-1.32
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 Jan 21	₹10,000
31 Jan 22	₹12,928
31 Jan 23	₹13,061
31 Jan 24	₹16,628
31 Jan 25	₹17,605
31 Jan 26	₹21,057

Aditya Birla Sun Life 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 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 17 Feb 26

Duration	Returns
1 Month	0.7%
3 Month	0.6%
6 Month	8.7%
1 Year	24.5%
3 Year	17.8%
5 Year	12.6%
10 Year
15 Year
Since launch	16.6%

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	10.44 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	94.64%
Technology	1%

Asset Allocation

Asset Class	Value
Cash	4.36%
Equity	95.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	14%	₹504 Cr	3,717,929 ↓ -960,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	14%	₹503 Cr	5,408,496
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| AXISBANK	9%	₹315 Cr	2,302,100
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	6%	₹207 Cr	1,918,689
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| BAJFINANCE	5%	₹199 Cr	2,137,250
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹145 Cr	3,546,665
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| AUBANK	4%	₹132 Cr	1,346,861
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	3%	₹122 Cr	1,198,382
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹103 Cr	565,076
Billionbrains Garage Ventures Ltd (Financial Services) Equity, Since 30 Nov 25 \| GROWW	2%	₹91 Cr	5,134,395

2. 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 (₹11,154 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 12.26% (bottom quartile).
3Y return: 16.58% (bottom quartile).
1Y return: 17.66% (bottom quartile).
Alpha: -0.56 (top quartile).
Sharpe: 0.88 (top quartile).
Information ratio: 0.16 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~17.5%).
Top-3 holdings concentration ~41.3%.

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 (17 Feb 26)	₹138.82 ↑ 0.32 (0.23 %)
Net Assets (Cr)	₹11,154 on 31 Dec 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.83
Sharpe Ratio	0.88
Information Ratio	0.16
Alpha Ratio	-0.56
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 Jan 21	₹10,000
31 Jan 22	₹13,108
31 Jan 23	₹13,458
31 Jan 24	₹16,069
31 Jan 25	₹18,239
31 Jan 26	₹20,920

ICICI Prudential 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 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 17 Feb 26

Duration	Returns
1 Month	0.5%
3 Month	-0.5%
6 Month	4.3%
1 Year	17.7%
3 Year	16.6%
5 Year	12.3%
10 Year
15 Year
Since launch	16.2%

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	8.01 Yr.
Sharmila D’mello	30 Jun 22	3.59 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	94.04%
Health Care	1.07%
Technology	0.37%
Industrials	0.29%

Asset Allocation

Asset Class	Value
Cash	4.18%
Equity	95.82%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	18%	₹1,921 Cr	20,674,867 ↓ -1,418,863
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| ICICIBANK	14%	₹1,530 Cr	11,290,200 ↓ -2,749,373
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| AXISBANK	10%	₹1,067 Cr	7,783,679 ↑ 1,208,406
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	6%	₹683 Cr	6,340,456 ↓ -2,310,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	6%	₹647 Cr	3,236,415 ↑ 220,210
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	5%	₹508 Cr	12,443,955
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 30 Nov 25 \| SBICARD	4%	₹392 Cr	5,202,910 ↑ 2,680,350
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	3%	₹383 Cr	5,241,538
LIC Housing Finance Ltd (Financial Services) Equity, Since 30 Nov 24 \| LICHSGFIN	3%	₹358 Cr	6,799,870 ↑ 2,797,160
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹327 Cr	1,800,328 ↑ 253,640

3. Invesco India Financial Services Fund

(Erstwhile Invesco India Banking Fund)

The investment objective of the Scheme is to generate long-term capital growth from a portfolio of equity and equity-related securities of companies engaged in the business of banking and financial services.

Research Highlights for Invesco India Financial Services Fund

Bottom quartile AUM (₹1,599 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 15.24% (top quartile).
3Y return: 22.78% (top quartile).
1Y return: 25.80% (top quartile).
Alpha: -4.92 (bottom quartile).
Sharpe: 0.59 (bottom quartile).
Information ratio: 0.79 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~16.2%).
Top-3 holdings concentration ~36.9%.

Below is the key information for Invesco India Financial Services Fund

Invesco India Financial Services Fund Growth
Launch Date	14 Jul 08
NAV (17 Feb 26)	₹147.39 ↑ 0.17 (0.12 %)
Net Assets (Cr)	₹1,599 on 31 Dec 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.23
Sharpe Ratio	0.59
Information Ratio	0.79
Alpha Ratio	-4.92
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 Jan 21	₹10,000
31 Jan 22	₹12,269
31 Jan 23	₹12,526
31 Jan 24	₹16,945
31 Jan 25	₹19,048
31 Jan 26	₹23,209

Invesco India 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 Invesco India 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 17 Feb 26

Duration	Returns
1 Month	0.2%
3 Month	1.5%
6 Month	7.9%
1 Year	25.8%
3 Year	22.8%
5 Year	15.2%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.1%
2023	19.8%
2022	26%
2021	12.8%
2020	14%
2019	2.4%
2018	21.2%
2017	-0.3%
2016	45.2%
2015	10.4%

Fund Manager information for Invesco India Financial Services Fund

Name	Since	Tenure
Hiten Jain	19 May 20	5.71 Yr.

Data below for Invesco India Financial Services Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	96.43%
Technology	1.46%
Health Care	0.72%

Asset Allocation

Asset Class	Value
Cash	1.39%
Equity	98.61%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	16%	₹264 Cr	2,838,202
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	14%	₹221 Cr	1,628,734 ↓ -497,060
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 28 Feb 22 \| MCX	7%	₹116 Cr	460,710
Axis Bank Ltd (Financial Services) Equity, Since 31 May 18 \| AXISBANK	5%	₹89 Cr	645,964
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Sep 22 \| 590003	5%	₹80 Cr	2,663,923 ↑ 326,356
Shriram Finance Ltd (Financial Services) Equity, Since 28 Feb 25 \| SHRIRAMFIN	5%	₹75 Cr	731,682 ↑ 168,792
ICICI Prudential Asset Management Co Ltd (Financial Services) Equity, Since 31 Dec 25 \| ICICIAMC	4%	₹71 Cr	240,125 ↑ 57,230
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 31 Jul 17 \| CHOLAFIN	3%	₹53 Cr	325,622
Central Depository Services (India) Ltd (Financial Services) Equity, Since 31 Aug 23 \| CDSL	3%	₹50 Cr	381,194
Muthoot Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| MUTHOOTFIN	3%	₹44 Cr	116,186

4. 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

Bottom quartile AUM (₹1,382 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 12.66% (lower mid).
3Y return: 18.48% (lower mid).
1Y return: 25.07% (upper mid).
Alpha: -2.74 (bottom quartile).
Sharpe: 0.75 (lower mid).
Information ratio: 0.22 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
Largest holding HDFC Bank Ltd (~14.9%).
Top-3 holdings concentration ~38.5%.

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 (17 Feb 26)	₹204.796 ↑ 0.42 (0.21 %)
Net Assets (Cr)	₹1,382 on 31 Dec 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.2
Sharpe Ratio	0.75
Information Ratio	0.22
Alpha Ratio	-2.74
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 Jan 21	₹10,000
31 Jan 22	₹12,362
31 Jan 23	₹12,894
31 Jan 24	₹16,487
31 Jan 25	₹17,503
31 Jan 26	₹21,068

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 17 Feb 26

Duration	Returns
1 Month	2.8%
3 Month	3.1%
6 Month	9.8%
1 Year	25.1%
3 Year	18.5%
5 Year	12.7%
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	0.63 Yr.
Bhavesh Kanani	12 Jan 26	0.05 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	96.42%
Technology	0.96%

Asset Allocation

Asset Class	Value
Cash	2.62%
Equity	97.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 09 \| HDFCBANK	15%	₹209 Cr	2,250,000 ↑ 75,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 04 \| ICICIBANK	14%	₹193 Cr	1,425,000 ↓ -427,344
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| AXISBANK	10%	₹137 Cr	1,000,000 ↑ 75,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| KOTAKBANK	9%	₹133 Cr	3,250,000 ↑ 500,000
State Bank of India (Financial Services) Equity, Since 28 Feb 18 \| SBIN	7%	₹92 Cr	850,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Nov 19 \| BAJFINANCE	5%	₹74 Cr	800,000
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| 590003	4%	₹51 Cr	1,700,000
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| SHRIRAMFIN	4%	₹51 Cr	500,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Apr 25 \| UJJIVANSFB	3%	₹43 Cr	6,534,317
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 31 Mar 24 \| MCX	3%	₹38 Cr	150,000

5. Sundaram Financial Services Opportunities Fund

Seek capital appreciation by investing predominantly in equity and equity related securities of indian companies engaged in banking and financial Services.

Research Highlights for Sundaram Financial Services Opportunities Fund

Lower mid AUM (₹1,661 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 14.43% (upper mid).
3Y return: 20.41% (upper mid).
1Y return: 24.39% (bottom quartile).
Alpha: -2.54 (lower mid).
Sharpe: 0.73 (bottom quartile).
Information ratio: 0.60 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~17.3%).
Top-3 holdings concentration ~38.7%.

Below is the key information for Sundaram Financial Services Opportunities Fund

Sundaram Financial Services Opportunities Fund Growth
Launch Date	10 Jun 08
NAV (17 Feb 26)	₹112.447 ↑ 0.67 (0.60 %)
Net Assets (Cr)	₹1,661 on 31 Dec 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.12
Sharpe Ratio	0.73
Information Ratio	0.6
Alpha Ratio	-2.54
Min Investment	100,000
Min SIP Investment	100
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Jan 21	₹10,000
31 Jan 22	₹12,383
31 Jan 23	₹13,241
31 Jan 24	₹18,148
31 Jan 25	₹19,256
31 Jan 26	₹22,940

Sundaram Financial Services Opportunities 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 Sundaram Financial Services Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Feb 26

Duration	Returns
1 Month	0.6%
3 Month	3%
6 Month	12.5%
1 Year	24.4%
3 Year	20.4%
5 Year	14.4%
10 Year
15 Year
Since launch	14.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	16.9%
2023	7.1%
2022	31.1%
2021	16.8%
2020	15.3%
2019	2.7%
2018	26.4%
2017	-3.7%
2016	33.3%
2015	12.8%

Fund Manager information for Sundaram Financial Services Opportunities Fund

Name	Since	Tenure
Rohit Seksaria	30 Dec 17	8.1 Yr.

Data below for Sundaram Financial Services Opportunities Fund as on 31 Dec 25

Equity Sector Allocation

Sector	Value
Financial Services	94.32%
Technology	1.54%

Asset Allocation

Asset Class	Value
Cash	4.06%
Equity	95.86%
Debt	0.08%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 08 \| HDFCBANK	17%	₹289 Cr	3,114,256
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 10 \| ICICIBANK	11%	₹192 Cr	1,416,021
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| AXISBANK	10%	₹167 Cr	1,217,541 ↓ -54,991
State Bank of India (Financial Services) Equity, Since 31 Dec 08 \| SBIN	6%	₹108 Cr	1,003,469
DCB Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| DCBBANK	5%	₹81 Cr	4,033,626 ↓ -210,006
Shriram Finance Ltd (Financial Services) Equity, Since 30 Sep 23 \| SHRIRAMFIN	5%	₹78 Cr	768,924
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Mar 25 \| BAJAJFINSV	5%	₹78 Cr	397,562
Bank of Baroda (Financial Services) Equity, Since 29 Feb 24 \| BANKBARODA	4%	₹66 Cr	2,208,626
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| PNBHOUSING	3%	₹55 Cr	665,351
CSB Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Jun 20 \| CSBBANK	3%	₹53 Cr	1,199,385 ↓ -406,841

Disclaimer:
येथे प्रदान केलेली माहिती अचूक असल्याची खात्री करण्यासाठी सर्व प्रयत्न केले गेले आहेत. तथापि, डेटाच्या अचूकतेबद्दल कोणतीही हमी दिली जात नाही. कृपया कोणतीही गुंतवणूक करण्यापूर्वी योजना माहिती दस्तऐवजासह सत्यापित करा.