சிறந்த நிதி மியூச்சுவல் ஃபண்டுகள் 2022

Updated on October 30, 2026 , 17158 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 (%)	2025 (%)
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹57.88 ↓ -0.43	₹3,406	-7.7	-5.2	-8.2	8	7.6	17.5
ICICI Prudential Banking and Financial Services Fund Growth	₹124.6 ↓ -0.49	₹10,774	-4.5	-2.2	-9.7	8.3	7.2	15.9
Invesco India Financial Services Fund Growth	₹137.31 ↓ -1.21	₹1,789	-6.2	-2.2	-3.5	13.5	11.1	15.1
UTI Banking and Financial Services Fund Growth	₹184.104 ↓ -0.63	₹1,339	-5.7	-1.6	-6.3	10.8	8.5	16.3
Sundaram Financial Services Opportunities Fund Growth	₹99.5733 ↓ -1.63	₹1,614	-7	-4.3	-6.8	8.8	9.8	16.9
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Oct 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 (₹3,406 Cr).	Highest AUM (₹10,774 Cr).	Lower mid AUM (₹1,789 Cr).	Bottom quartile AUM (₹1,339 Cr).	Bottom quartile AUM (₹1,614 Cr).
Point 2	Established history (12+ yrs).	Established history (18+ yrs).	Established history (18+ yrs).	Oldest track record among peers (22 yrs).	Established history (18+ 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: 7.58% (bottom quartile).	5Y return: 7.17% (bottom quartile).	5Y return: 11.10% (top quartile).	5Y return: 8.47% (lower mid).	5Y return: 9.85% (upper mid).
Point 6	3Y return: 7.95% (bottom quartile).	3Y return: 8.30% (bottom quartile).	3Y return: 13.54% (top quartile).	3Y return: 10.82% (upper mid).	3Y return: 8.82% (lower mid).
Point 7	1Y return: -8.21% (bottom quartile).	1Y return: -9.74% (bottom quartile).	1Y return: -3.46% (top quartile).	1Y return: -6.33% (upper mid).	1Y return: -6.76% (lower mid).
Point 8	Alpha: 4.45 (bottom quartile).	Alpha: -1.09 (bottom quartile).	Alpha: 7.27 (upper mid).	Alpha: 4.99 (lower mid).	Alpha: 8.53 (top quartile).
Point 9	Sharpe: -0.15 (bottom quartile).	Sharpe: -0.41 (bottom quartile).	Sharpe: 0.00 (upper mid).	Sharpe: -0.12 (lower mid).	Sharpe: 0.02 (top quartile).
Point 10	Information ratio: -0.23 (bottom quartile).	Information ratio: -0.15 (bottom quartile).	Information ratio: 0.76 (top quartile).	Information ratio: 0.38 (upper mid).	Information ratio: 0.20 (lower mid).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,406 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: High.
5Y return: 7.58% (bottom quartile).
3Y return: 7.95% (bottom quartile).
1Y return: -8.21% (bottom quartile).
Alpha: 4.45 (bottom quartile).
Sharpe: -0.15 (bottom quartile).
Information ratio: -0.23 (bottom quartile).

ICICI Prudential Banking and Financial Services Fund

Highest AUM (₹10,774 Cr).
Established history (18+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 7.17% (bottom quartile).
3Y return: 8.30% (bottom quartile).
1Y return: -9.74% (bottom quartile).
Alpha: -1.09 (bottom quartile).
Sharpe: -0.41 (bottom quartile).
Information ratio: -0.15 (bottom quartile).

Invesco India Financial Services Fund

Lower mid AUM (₹1,789 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 11.10% (top quartile).
3Y return: 13.54% (top quartile).
1Y return: -3.46% (top quartile).
Alpha: 7.27 (upper mid).
Sharpe: 0.00 (upper mid).
Information ratio: 0.76 (top quartile).

UTI Banking and Financial Services Fund

Bottom quartile AUM (₹1,339 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 8.47% (lower mid).
3Y return: 10.82% (upper mid).
1Y return: -6.33% (upper mid).
Alpha: 4.99 (lower mid).
Sharpe: -0.12 (lower mid).
Information ratio: 0.38 (upper mid).

Sundaram Financial Services Opportunities Fund

Bottom quartile AUM (₹1,614 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 9.85% (upper mid).
3Y return: 8.82% (lower mid).
1Y return: -6.76% (lower mid).
Alpha: 8.53 (top quartile).
Sharpe: 0.02 (top quartile).
Information ratio: 0.20 (lower 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. 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 (₹3,406 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: High.
5Y return: 7.58% (bottom quartile).
3Y return: 7.95% (bottom quartile).
1Y return: -8.21% (bottom quartile).
Alpha: 4.45 (bottom quartile).
Sharpe: -0.15 (bottom quartile).
Information ratio: -0.23 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~13.9%).

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 (30 Oct 26)	₹57.88 ↓ -0.43 (-0.74 %)
Net Assets (Cr)	₹3,406 on 30 Sep 26
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.97
Sharpe Ratio	-0.16
Information Ratio	-0.23
Alpha Ratio	4.45
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 21	₹10,000
31 Oct 22	₹9,955
31 Oct 23	₹11,469
31 Oct 24	₹14,050
31 Oct 25	₹15,594
31 Oct 26	₹14,409

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 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 30 Oct 26

Duration	Returns
1 Month	-2.6%
3 Month	-7.7%
6 Month	-5.2%
1 Year	-8.2%
3 Year	8%
5 Year	7.6%
10 Year
15 Year
Since launch	14.6%

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	11.11 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	97.02%
Technology	1.88%

Asset Allocation

Asset Class	Value
Cash	1.1%
Equity	98.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	14%	₹472 Cr	3,571,644
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	11%	₹358 Cr	5,058,496
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	8%	₹274 Cr	2,237,100
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| 500034	7%	₹229 Cr	2,388,250 ↑ 201,000
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	5%	₹185 Cr	1,886,669
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	5%	₹172 Cr	1,793,689
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹123 Cr	2,956,665
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Aug 24 \| PNBHOUSING	3%	₹103 Cr	918,856
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| 540611	3%	₹99 Cr	981,861
Bank of Maharashtra (Financial Services) Equity, Since 31 Dec 25 \| MAHABANK	3%	₹97 Cr	12,196,451

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 (₹10,774 Cr).
Established history (18+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 7.17% (bottom quartile).
3Y return: 8.30% (bottom quartile).
1Y return: -9.74% (bottom quartile).
Alpha: -1.09 (bottom quartile).
Sharpe: -0.41 (bottom quartile).
Information ratio: -0.15 (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 (~13.8%).
Top-3 holdings concentration ~36.7%.

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 (30 Oct 26)	₹124.6 ↓ -0.49 (-0.39 %)
Net Assets (Cr)	₹10,774 on 30 Sep 26
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.8
Sharpe Ratio	-0.41
Information Ratio	-0.15
Alpha Ratio	-1.09
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 21	₹10,000
31 Oct 22	₹10,009
31 Oct 23	₹11,112
31 Oct 24	₹13,975
31 Oct 25	₹15,523
31 Oct 26	₹14,138

ICICI Prudential Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹367,070.
Net Profit of ₹67,070 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 30 Oct 26

Duration	Returns
1 Month	-0.7%
3 Month	-4.5%
6 Month	-2.2%
1 Year	-9.7%
3 Year	8.3%
5 Year	7.2%
10 Year
15 Year
Since launch	14.9%

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	4.26 Yr.
Antariksha Banerjee	2 Mar 26	0.58 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	96.09%
Health Care	0.79%
Industrials	0.19%

Asset Allocation

Asset Class	Value
Cash	3.34%
Equity	96.36%
Debt	0.3%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	14%	₹1,491 Cr	21,037,181 ↑ 1,750,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| ICICIBANK	13%	₹1,450 Cr	10,972,843
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	9%	₹1,008 Cr	24,171,327 ↓ -1,130,351
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| 532215	9%	₹956 Cr	7,800,554
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	5%	₹563 Cr	5,870,022 ↑ 404,274
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	3%	₹340 Cr	2,003,761 ↑ 223,500
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 30 Nov 25 \| SBICARD	3%	₹332 Cr	5,751,671 ↑ 405,600
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹299 Cr	1,878,328 ↑ 304,908
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Mar 25 \| 532978	3%	₹283 Cr	1,634,960 ↑ 348,140
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	3%	₹283 Cr	5,428,988

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

Lower mid AUM (₹1,789 Cr).
Established history (18+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 11.10% (top quartile).
3Y return: 13.54% (top quartile).
1Y return: -3.46% (top quartile).
Alpha: 7.27 (upper mid).
Sharpe: 0.00 (upper mid).
Information ratio: 0.76 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding ICICI Bank Ltd (~12.8%).

Below is the key information for Invesco India Financial Services Fund

Invesco India Financial Services Fund Growth
Launch Date	14 Jul 08
NAV (30 Oct 26)	₹137.31 ↓ -1.21 (-0.87 %)
Net Assets (Cr)	₹1,789 on 30 Sep 26
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.06
Sharpe Ratio	0
Information Ratio	0.76
Alpha Ratio	7.27
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 21	₹10,000
31 Oct 22	₹9,961
31 Oct 23	₹11,544
31 Oct 24	₹15,812
31 Oct 25	₹17,405
31 Oct 26	₹16,925

Invesco India 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 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 30 Oct 26

Duration	Returns
1 Month	-0.8%
3 Month	-6.2%
6 Month	-2.2%
1 Year	-3.5%
3 Year	13.5%
5 Year	11.1%
10 Year
15 Year
Since launch	15.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	15.1%
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%

Fund Manager information for Invesco India Financial Services Fund

Name	Since	Tenure
Hiten Jain	19 May 20	6.37 Yr.
Haresh Kapoor	1 Jan 26	0.75 Yr.

Data below for Invesco India Financial Services Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Financial Services	91.3%
Technology	4.43%

Asset Allocation

Asset Class	Value
Cash	4.27%
Equity	95.73%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	13%	₹230 Cr	1,736,969
Axis Bank Ltd (Financial Services) Equity, Since 31 May 18 \| 532215	7%	₹124 Cr	1,014,293 ↑ 8,549
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	6%	₹107 Cr	1,510,289
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Sep 22 \| 590003	5%	₹92 Cr	2,826,883
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 28 Feb 22 \| MCX	5%	₹83 Cr	251,091
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Aug 26 \| KOTAKBANK	4%	₹78 Cr	1,877,878
ICICI Prudential Asset Management Co Ltd (Financial Services) Equity, Since 31 Dec 25 \| ICICIAMC	4%	₹75 Cr	240,125
Shriram Finance Ltd (Financial Services) Equity, Since 28 Feb 25 \| SHRIRAMFIN	4%	₹72 Cr	731,682
BSE Ltd (Financial Services) Equity, Since 30 Sep 23 \| BSE	4%	₹69 Cr	222,573
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 31 Jul 17 \| CHOLAFIN	4%	₹63 Cr	390,314 ↑ 42,623

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 (₹1,339 Cr).
Oldest track record among peers (22 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 8.47% (lower mid).
3Y return: 10.82% (upper mid).
1Y return: -6.33% (upper mid).
Alpha: 4.99 (lower mid).
Sharpe: -0.12 (lower mid).
Information ratio: 0.38 (upper mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding HDFC Bank Ltd (~17.6%).
Top-3 holdings concentration ~38.0%.

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 (30 Oct 26)	₹184.104 ↓ -0.63 (-0.34 %)
Net Assets (Cr)	₹1,339 on 30 Sep 26
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.15
Sharpe Ratio	-0.12
Information Ratio	0.38
Alpha Ratio	4.99
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 21	₹10,000
31 Oct 22	₹10,189
31 Oct 23	₹11,021
31 Oct 24	₹14,307
31 Oct 25	₹15,901
31 Oct 26	₹15,017

UTI Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 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 30 Oct 26

Duration	Returns
1 Month	-1.9%
3 Month	-5.7%
6 Month	-1.6%
1 Year	-6.3%
3 Year	10.8%
5 Year	8.5%
10 Year
15 Year
Since launch	13.8%

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
Bhavesh Kanani	12 Jan 26	0.72 Yr.

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

Equity Sector Allocation

Sector	Value
Financial Services	96.37%
Technology	2.36%

Asset Allocation

Asset Class	Value
Cash	1.27%
Equity	98.73%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 09 \| HDFCBANK	18%	₹236 Cr	3,325,000
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 04 \| ICICIBANK	10%	₹139 Cr	1,051,000 ↓ -100,000
State Bank of India (Financial Services) Equity, Since 28 Feb 18 \| SBIN	10%	₹134 Cr	1,393,490
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| 532215	10%	₹133 Cr	1,085,000 ↓ -50,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| KOTAKBANK	10%	₹132 Cr	3,175,000 ↓ -75,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Nov 19 \| 500034	5%	₹68 Cr	707,388
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| SHRIRAMFIN	5%	₹62 Cr	627,975 ↑ 100,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Apr 25 \| UJJIVANSFB	4%	₹53 Cr	7,800,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 28 Feb 25 \| SBILIFE	4%	₹52 Cr	307,000 ↑ 30,000
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Jun 24 \| ICICIGI	2%	₹24 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

Bottom quartile AUM (₹1,614 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 9.85% (upper mid).
3Y return: 8.82% (lower mid).
1Y return: -6.76% (lower mid).
Alpha: 8.53 (top quartile).
Sharpe: 0.02 (top quartile).
Information ratio: 0.20 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~11.1%).

Below is the key information for Sundaram Financial Services Opportunities Fund

Sundaram Financial Services Opportunities Fund Growth
Launch Date	10 Jun 08
NAV (30 Oct 26)	₹99.5733 ↓ -1.63 (-1.61 %)
Net Assets (Cr)	₹1,614 on 30 Sep 26
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.09
Sharpe Ratio	0.02
Information Ratio	0.2
Alpha Ratio	8.53
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 21	₹10,000
31 Oct 22	₹10,331
31 Oct 23	₹12,420
31 Oct 24	₹15,738
31 Oct 25	₹17,043
31 Oct 26	₹15,995

Sundaram Financial Services Opportunities 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 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 30 Oct 26

Duration	Returns
1 Month	-3.9%
3 Month	-7%
6 Month	-4.3%
1 Year	-6.8%
3 Year	8.8%
5 Year	9.8%
10 Year
15 Year
Since launch	13.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	16.9%
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%

Fund Manager information for Sundaram Financial Services Opportunities Fund

Name	Since	Tenure
Rohit Seksaria	30 Dec 17	8.76 Yr.
Shalav Saket	28 Feb 26	0.59 Yr.

Data below for Sundaram Financial Services Opportunities Fund as on 30 Sep 26

Equity Sector Allocation

Sector	Value
Financial Services	93.85%
Technology	3.22%

Asset Allocation

Asset Class	Value
Cash	1.35%
Equity	97.58%
Debt	1.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 10 \| ICICIBANK	11%	₹179 Cr	1,357,021
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| 532215	10%	₹163 Cr	1,331,229
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 08 \| HDFCBANK	8%	₹136 Cr	1,914,256
State Bank of India (Financial Services) Equity, Since 31 Dec 08 \| SBIN	8%	₹127 Cr	1,327,777
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 May 25 \| KOTAKBANK	6%	₹95 Cr	2,273,831
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Mar 25 \| 532978	5%	₹76 Cr	440,924
DCB Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| DCBBANK	5%	₹73 Cr	3,598,382 ↓ -179,932
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| PNBHOUSING	4%	₹71 Cr	631,329
Shriram Finance Ltd (Financial Services) Equity, Since 30 Sep 23 \| SHRIRAMFIN	4%	₹66 Cr	672,583
Bank of Baroda (Financial Services) Equity, Since 29 Feb 24 \| 532134	4%	₹62 Cr	2,684,849

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.