சிறந்த நிதி மியூச்சுவல் ஃபண்டுகள் 2022

Updated on October 29, 2025 , 16096 views

ஒரு நிதிபரஸ்பர நிதி துறையின் ஒரு பகுதியாகும்ஈக்விட்டி நிதிகள். இந்த நிதிகள் ‘வங்கி மற்றும் நிதி சேவைகள் நிதி’ என்றும் அழைக்கப்படுகின்றன. உருவாக்குவதே இந்த நிதிகளின் நோக்கம்வருமானம் மூலம்முதலீடு வங்கித் துறை மற்றும் நிதித் துறையைப் பூர்த்தி செய்யும் நிறுவனங்களின் பங்குகள்/பங்குகளில். எனவே, முதலீடு செய்வதற்கான சிறந்த நிதி பரஸ்பர நிதிகளுடன், நிதி நிதிகளின் எதிர்கால திறனைப் புரிந்துகொள்வோம்.

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இந்தியாவில் நிதி பரஸ்பர நிதிகள்

வெளியிட்ட ஜூலை 2017 தரவுகளைப் பார்த்தால்செபி, வங்கி மற்றும்துறை நிதி மிகவும் விரும்பப்பட்டவையாக இருந்தன. என்று தரவுகள் காட்டுகின்றனவங்கி மற்றும் நிதி- இரண்டு முன்னணி துறைகள் AUM பங்குகளில் கூர்மையான எழுச்சியைக் காட்டியுள்ளன.

ஜூலை 17 புள்ளிவிவரங்களின்படி, முன்னணித் துறையான வங்கித் துறையின் ஏயூஎம் ஆறு மாதங்களில் 20.9 சதவீதத்திலிருந்து 22.6 சதவீதமாக மாறியுள்ளது.

ஆன்லைனில் நிதி மியூச்சுவல் ஃபண்டுகளில் முதலீடு செய்வது எப்படி?

Fincash.com இல் வாழ்நாள் முழுவதும் இலவச முதலீட்டுக் கணக்கைத் திறக்கவும்.

உங்கள் பதிவு மற்றும் KYC செயல்முறையை முடிக்கவும்

ஆவணங்களைப் பதிவேற்றவும் (பான், ஆதார் போன்றவை).மேலும், நீங்கள் முதலீடு செய்ய தயாராக உள்ளீர்கள்!

தொடங்குங்கள்

FY 22 - 23 இல் சிறப்பாகச் செயல்படும் சிறந்த நிதி பரஸ்பர நிதிகள்

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)
ICICI Prudential Banking and Financial Services Fund Growth	₹136.8 ↓ -1.25	₹9,688	2.1	5.3	11.1	15.8	21.6	11.6
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹62.64 ↓ -0.42	₹3,374	4	6.7	11	16.1	21.4	8.7
Invesco India Financial Services Fund Growth	₹141.21 ↓ -1.02	₹1,392	2.9	8.8	10.1	20.4	21.6	19.8
UTI Banking and Financial Services Fund Growth	₹194.946 ↓ -1.60	₹1,255	3.9	6.7	11.1	16	21.2	11.1
Sundaram Financial Services Opportunities Fund Growth	₹106.097 ↓ -0.69	₹1,460	3.1	4.2	8.3	18.2	22.4	7.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 31 Oct 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	ICICI Prudential Banking and Financial Services Fund	Aditya Birla Sun Life Banking And Financial Services Fund	Invesco India Financial Services Fund	UTI Banking and Financial Services Fund	Sundaram Financial Services Opportunities Fund
Point 1	Highest AUM (₹9,688 Cr).	Upper mid AUM (₹3,374 Cr).	Bottom quartile AUM (₹1,392 Cr).	Bottom quartile AUM (₹1,255 Cr).	Lower mid AUM (₹1,460 Cr).
Point 2	Established history (17+ yrs).	Established history (11+ 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: 21.57% (lower mid).	5Y return: 21.44% (bottom quartile).	5Y return: 21.63% (upper mid).	5Y return: 21.21% (bottom quartile).	5Y return: 22.37% (top quartile).
Point 6	3Y return: 15.75% (bottom quartile).	3Y return: 16.14% (lower mid).	3Y return: 20.45% (top quartile).	3Y return: 15.99% (bottom quartile).	3Y return: 18.16% (upper mid).
Point 7	1Y return: 11.08% (upper mid).	1Y return: 10.99% (lower mid).	1Y return: 10.08% (bottom quartile).	1Y return: 11.15% (top quartile).	1Y return: 8.29% (bottom quartile).
Point 8	Alpha: -2.57 (top quartile).	Alpha: -6.06 (bottom quartile).	Alpha: -4.77 (lower mid).	Alpha: -3.36 (upper mid).	Alpha: -11.54 (bottom quartile).
Point 9	Sharpe: 0.03 (top quartile).	Sharpe: -0.18 (bottom quartile).	Sharpe: -0.08 (lower mid).	Sharpe: 0.01 (upper mid).	Sharpe: -0.55 (bottom quartile).
Point 10	Information ratio: 0.32 (lower mid).	Information ratio: 0.14 (bottom quartile).	Information ratio: 0.78 (top quartile).	Information ratio: 0.28 (bottom quartile).	Information ratio: 0.50 (upper mid).

ICICI Prudential Banking and Financial Services Fund

Highest AUM (₹9,688 Cr).
Established history (17+ yrs).
Top rated.
Risk profile: High.
5Y return: 21.57% (lower mid).
3Y return: 15.75% (bottom quartile).
1Y return: 11.08% (upper mid).
Alpha: -2.57 (top quartile).
Sharpe: 0.03 (top quartile).
Information ratio: 0.32 (lower mid).

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: 21.44% (bottom quartile).
3Y return: 16.14% (lower mid).
1Y return: 10.99% (lower mid).
Alpha: -6.06 (bottom quartile).
Sharpe: -0.18 (bottom quartile).
Information ratio: 0.14 (bottom quartile).

Invesco India Financial Services Fund

Bottom quartile AUM (₹1,392 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 21.63% (upper mid).
3Y return: 20.45% (top quartile).
1Y return: 10.08% (bottom quartile).
Alpha: -4.77 (lower mid).
Sharpe: -0.08 (lower mid).
Information ratio: 0.78 (top quartile).

UTI Banking and Financial Services Fund

Bottom quartile AUM (₹1,255 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 21.21% (bottom quartile).
3Y return: 15.99% (bottom quartile).
1Y return: 11.15% (top quartile).
Alpha: -3.36 (upper mid).
Sharpe: 0.01 (upper mid).
Information ratio: 0.28 (bottom quartile).

Sundaram Financial Services Opportunities Fund

Lower mid AUM (₹1,460 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 22.37% (top quartile).
3Y return: 18.16% (upper mid).
1Y return: 8.29% (bottom quartile).
Alpha: -11.54 (bottom quartile).
Sharpe: -0.55 (bottom quartile).
Information ratio: 0.50 (upper mid).

இந்தியாவின் வங்கி மற்றும் நிதித் துறையைப் பற்றி பேசும்போது, எங்களிடம் பல முக்கிய வீரர்கள் உள்ளனர்ஐசிஐசிஐ வங்கி Ltd, HDFC Bank Ltd, State Bank of India, Yes Bank Ltd, Axis Bank Ltd போன்றவை. இந்திய வங்கி அமைப்பில் 26 தனியார் துறை வங்கிகள், 27 பொதுத்துறை வங்கிகள், 1,574 நகர்ப்புற கூட்டுறவு வங்கிகள், 56 பிராந்திய கிராமப்புற வங்கிகள், 46 வெளிநாட்டு வங்கிகள் உள்ளன. மற்றும் கூட்டுறவு கடன் நிறுவனங்களுக்கு கூடுதலாக 93,913 கிராமப்புற கூட்டுறவு வங்கிகள்.

வங்கி மற்றும் நிதித் துறையில் செயல்படும் நிறுவனங்கள் மிகவும் கட்டுப்படுத்தப்படுகின்றன. பல நல்ல நிறுவனங்கள் பல ஆண்டுகளாக நிலையான செயல்திறன் மற்றும் வருமானத்தை வழங்குவதை நோக்கமாகக் கொண்டுள்ளன, இதன் விளைவாக, துறை நிதிகளில் முதலீடு செய்யத் திட்டமிடும் முதலீட்டாளர்களுக்கு இது நம்பிக்கையைத் தருகிறது. இருப்பினும், அத்தகைய நிதிகளின் ஆபத்து காரணிகளை ஒருவர் எப்போதும் மனதில் கொள்ள வேண்டும். இந்த நிதிகள், சில சமயங்களில், இரண்டு உச்சநிலைகளில் இருக்கலாம், அவை நல்ல வருமானத்தை அளிக்கலாம் மற்றும் சில சமயங்களில் மோசமாகச் செயல்படலாம். எனவே, அத்தகைய துறை நிதிகளில் முதலீடு செய்யத் திட்டமிடும் முதலீட்டாளர்கள் அதிக-ஆபத்து பசியின்மை மேலும் நீண்ட காலத்திற்கு முதலீடு செய்ய வேண்டும். வெறுமனே, ஒருவர் பல்வகைப்படுத்தல் நோக்கத்திற்காக அத்தகைய நிதிகளில் முதலீடு செய்ய வேண்டும்.

1. 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: 21.57% (lower mid).
3Y return: 15.75% (bottom quartile).
1Y return: 11.08% (upper mid).
Alpha: -2.57 (top quartile).
Sharpe: 0.03 (top quartile).
Information ratio: 0.32 (lower 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 (~20.0%).
Top-3 holdings concentration ~47.4%.

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

ICICI Prudential Banking and Financial Services Fund Growth
Launch Date	22 Aug 08
NAV (31 Oct 25)	₹136.8 ↓ -1.25 (-0.91 %)
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
31 Oct 20	₹10,000
31 Oct 21	₹17,106
31 Oct 22	₹17,122
31 Oct 23	₹19,008
31 Oct 24	₹23,905

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 31 Oct 25

Duration	Returns
1 Month	4%
3 Month	2.1%
6 Month	5.3%
1 Year	11.1%
3 Year	15.8%
5 Year	21.6%
10 Year
15 Year
Since launch	16.4%

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	7.68 Yr.
Sharmila D’mello	30 Jun 22	3.26 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	93.8%
Health Care	1.4%
Technology	0.4%
Industrials	0.38%

Asset Allocation

Asset Class	Value
Cash	4.02%
Equity	95.98%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	20%	₹2,005 Cr	21,081,157 ↑ 1,721,301
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| ICICIBANK	19%	₹1,917 Cr	14,219,497
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	8%	₹828 Cr	9,489,675
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| 532215	8%	₹779 Cr	6,886,687 ↓ -668,750
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	6%	₹556 Cr	3,104,315 ↑ 211,968
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	5%	₹526 Cr	2,638,382 ↑ 281,994
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	4%	₹386 Cr	5,099,696
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 19 \| 500271	3%	₹260 Cr	1,649,161
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹256 Cr	1,355,046
LIC Housing Finance Ltd (Financial Services) Equity, Since 30 Nov 24 \| LICHSGFIN	2%	₹195 Cr	3,450,348

2. 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: 21.44% (bottom quartile).
3Y return: 16.14% (lower mid).
1Y return: 10.99% (lower mid).
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%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~18.3%).
Top-3 holdings concentration ~44.0%.

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 (31 Oct 25)	₹62.64 ↓ -0.42 (-0.67 %)
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
31 Oct 20	₹10,000
31 Oct 21	₹16,935
31 Oct 22	₹16,859
31 Oct 23	₹19,422
31 Oct 24	₹23,794

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 31 Oct 25

Duration	Returns
1 Month	4.9%
3 Month	4%
6 Month	6.7%
1 Year	11%
3 Year	16.1%
5 Year	21.4%
10 Year
15 Year
Since launch	16.7%

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	10.11 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	96.53%
Technology	1.14%

Asset Allocation

Asset Class	Value
Cash	2.29%
Equity	97.67%
Debt	0.05%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	18%	₹631 Cr	4,677,929 ↓ -250,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	18%	₹626 Cr	6,583,496
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	8%	₹261 Cr	2,302,100
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	7%	₹237 Cr	2,718,689
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| 500034	6%	₹213 Cr	2,137,250
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹141 Cr	709,333 ↑ 239,361
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	3%	₹118 Cr	623,906
HDB Financial Services Ltd (Financial Services) Equity, Since 30 Jun 25 \| HDBFS	3%	₹107 Cr	1,429,781
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹107 Cr	565,076
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| 540611	3%	₹106 Cr	1,446,861

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 (₹1,392 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 21.63% (upper mid).
3Y return: 20.45% (top quartile).
1Y return: 10.08% (bottom quartile).
Alpha: -4.77 (lower mid).
Sharpe: -0.08 (lower mid).
Information ratio: 0.78 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~20.1%).
Top-3 holdings concentration ~44.3%.

Below is the key information for Invesco India Financial Services Fund

Invesco India Financial Services Fund Growth
Launch Date	14 Jul 08
NAV (31 Oct 25)	₹141.21 ↓ -1.02 (-0.72 %)
Net Assets (Cr)	₹1,392 on 31 Aug 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.23
Sharpe Ratio	-0.08
Information Ratio	0.78
Alpha Ratio	-4.77
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 Oct 20	₹10,000
31 Oct 21	₹15,296
31 Oct 22	₹15,236
31 Oct 23	₹17,658
31 Oct 24	₹24,186

Invesco India 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 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 31 Oct 25

Duration	Returns
1 Month	5.6%
3 Month	2.9%
6 Month	8.8%
1 Year	10.1%
3 Year	20.4%
5 Year	21.6%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.8%
2023	26%
2022	12.8%
2021	14%
2020	2.4%
2019	21.2%
2018	-0.3%
2017	45.2%
2016	10.4%
2015	-2.1%

Fund Manager information for Invesco India Financial Services Fund

Name	Since	Tenure
Hiten Jain	19 May 20	5.37 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	95.54%
Technology	1.93%
Health Care	1.08%

Asset Allocation

Asset Class	Value
Cash	1.45%
Equity	98.55%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	20%	₹287 Cr	2,125,794
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	19%	₹270 Cr	2,838,202
Axis Bank Ltd (Financial Services) Equity, Since 31 May 18 \| 532215	5%	₹73 Cr	645,964
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 28 Feb 22 \| MCX	5%	₹72 Cr	92,142 ↑ 6,666
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 31 Jul 17 \| CHOLAFIN	4%	₹52 Cr	325,622
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Sep 22 \| 590003	3%	₹49 Cr	2,337,567
State Bank of India (Financial Services) Equity, Since 31 Aug 20 \| SBIN	3%	₹44 Cr	506,622 ↓ -332,219
HDFC Asset Management Co Ltd (Financial Services) Equity, Since 31 Jul 24 \| HDFCAMC	3%	₹37 Cr	66,297 ↓ -12,355
Muthoot Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| 533398	3%	₹36 Cr	116,186
Shriram Finance Ltd (Financial Services) Equity, Since 28 Feb 25 \| SHRIRAMFIN	2%	₹35 Cr	562,890

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 (₹1,255 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 21.21% (bottom quartile).
3Y return: 15.99% (bottom quartile).
1Y return: 11.15% (top quartile).
Alpha: -3.36 (upper mid).
Sharpe: 0.01 (upper mid).
Information ratio: 0.28 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~19.4%).
Top-3 holdings concentration ~43.5%.

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 (31 Oct 25)	₹194.946 ↓ -1.60 (-0.81 %)
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
31 Oct 20	₹10,000
31 Oct 21	₹16,452
31 Oct 22	₹16,763
31 Oct 23	₹18,132
31 Oct 24	₹23,537

UTI 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 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 31 Oct 25

Duration	Returns
1 Month	4.7%
3 Month	3.9%
6 Month	6.7%
1 Year	11.1%
3 Year	16%
5 Year	21.2%
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	0.29 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	98.06%
Technology	1.44%

Asset Allocation

Asset Class	Value
Cash	0.51%
Equity	99.49%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 04 \| ICICIBANK	19%	₹250 Cr	1,852,344
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 09 \| HDFCBANK	16%	₹201 Cr	2,110,000 ↑ 48,146
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| KOTAKBANK	9%	₹110 Cr	550,000 ↑ 50,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| 532215	8%	₹102 Cr	900,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Nov 19 \| 500034	7%	₹84 Cr	842,570
State Bank of India (Financial Services) Equity, Since 28 Feb 18 \| SBIN	6%	₹74 Cr	850,000
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| 590003	3%	₹42 Cr	2,000,000 ↓ -400,000
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| SHRIRAMFIN	3%	₹40 Cr	650,000 ↓ -50,000
Max Financial Services Ltd (Financial Services) Equity, Since 30 Sep 22 \| 500271	3%	₹38 Cr	240,000 ↓ -10,000
Indian Bank (Financial Services) Equity, Since 31 May 23 \| 532814	3%	₹38 Cr	500,000 ↓ -90,843

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 (₹1,460 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 22.37% (top quartile).
3Y return: 18.16% (upper mid).
1Y return: 8.29% (bottom quartile).
Alpha: -11.54 (bottom quartile).
Sharpe: -0.55 (bottom quartile).
Information ratio: 0.50 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~95%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~19.4%).
Top-3 holdings concentration ~41.3%.

Below is the key information for Sundaram Financial Services Opportunities Fund

Sundaram Financial Services Opportunities Fund Growth
Launch Date	10 Jun 08
NAV (31 Oct 25)	₹106.097 ↓ -0.69 (-0.65 %)
Net Assets (Cr)	₹1,460 on 31 Aug 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.12
Sharpe Ratio	-0.55
Information Ratio	0.5
Alpha Ratio	-11.54
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 Oct 20	₹10,000
31 Oct 21	₹16,097
31 Oct 22	₹16,631
31 Oct 23	₹19,993
31 Oct 24	₹25,334

Sundaram Financial Services Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 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 31 Oct 25

Duration	Returns
1 Month	5.9%
3 Month	3.1%
6 Month	4.2%
1 Year	8.3%
3 Year	18.2%
5 Year	22.4%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.1%
2023	31.1%
2022	16.8%
2021	15.3%
2020	2.7%
2019	26.4%
2018	-3.7%
2017	33.3%
2016	12.8%
2015	-9%

Fund Manager information for Sundaram Financial Services Opportunities Fund

Name	Since	Tenure
Rohit Seksaria	30 Dec 17	7.76 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	94.6%

Asset Allocation

Asset Class	Value
Cash	5.21%
Equity	94.6%
Debt	0.18%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 08 \| HDFCBANK	19%	₹294 Cr	3,090,480 ↑ 39,074
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 10 \| ICICIBANK	12%	₹181 Cr	1,339,673
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| 532215	10%	₹150 Cr	1,329,343
State Bank of India (Financial Services) Equity, Since 31 Dec 08 \| SBIN	6%	₹88 Cr	1,003,469
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Mar 25 \| 532978	5%	₹69 Cr	341,499
Shriram Finance Ltd (Financial Services) Equity, Since 30 Sep 23 \| SHRIRAMFIN	4%	₹67 Cr	1,085,825
CSB Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Jun 20 \| CSBBANK	4%	₹61 Cr	1,644,042
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| PNBHOUSING	4%	₹59 Cr	682,976
Bank of Baroda (Financial Services) Equity, Since 29 Feb 24 \| 532134	4%	₹57 Cr	2,208,626
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 May 24 \| UJJIVANSFB	4%	₹54 Cr	11,708,687

Disclaimer:
இங்கு வழங்கப்பட்ட தகவல்கள் துல்லியமானவை என்பதை உறுதிப்படுத்த அனைத்து முயற்சிகளும் மேற்கொள்ளப்பட்டுள்ளன. இருப்பினும், தரவுகளின் சரியான தன்மை குறித்து எந்த உத்தரவாதமும் அளிக்கப்படவில்லை. முதலீடு செய்வதற்கு முன் திட்டத் தகவல் ஆவணத்துடன் சரிபார்க்கவும்.