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فنکاش »باہمی چندہ »بہترین بینکنگ اور مالیاتی خدمات کے فنڈز

ٹاپ 7 بہترین کارکردگی کا مظاہرہ کرنے والے بینکنگ اور فنانشل سروسز فنڈز 2022

Updated on January 29, 2026 , 90336 views

بینکنگ اور مالیاتی خدماتسیکٹر فنڈز ایکویٹی سیکٹر فنڈز کی ایک قسم ہے جو بنیادی طور پر ان کمپنیوں میں سرمایہ کاری کرتی ہے جو بینکنگ اور مالیاتی خدمات کو پورا کرتی ہیں۔ پچھلے ایک سال کے دوران، بینکنگ سیکٹر کے فنڈز نے بہت مضبوط کارکردگی کا مظاہرہ کیا ہے۔مارکیٹ.پچھلے 6 مہینوں میں، کچھ سرفہرست بینکنگ سیکٹرباہمی چندہ 27 فیصد - 31 فیصد کی اوسط واپسی دی ہے۔. اتنے زیادہ منافع ہمیشہ پرکشش ہوتے ہیں اور بہت سے سرمایہ کار اس طرف آتے ہیں۔سرمایہ کاری اس طرح کے فنڈز میں.

Banking & Financial Services Mutual Funds

مثالی طور پر، ایکسرمایہ کار جس کے پاس ایکوئٹی کا تجربہ ہے اور بینکنگ سیکٹر میں بھی اچھی معلومات ہے صرف ان فنڈز میں سرمایہ کاری کرنی چاہیے۔ آپ کے سرمایہ کاری کے عمل کو آسان بنانے کے لیے، ہم نے ہندوستان کے بہترین کارکردگی کا مظاہرہ کرنے والے بیکنگ سیکٹر کے فنڈز کو درج کیا ہے۔

انڈین بینکنگ سیکٹر - جائزہ

ہندوستانی بینکاری نظام کوآپریٹو کریڈٹ اداروں کے علاوہ 27 پبلک سیکٹر کے بینکوں، 26 نجی شعبے کے بینکوں، 56 علاقائی دیہی بینکوں، 46 غیر ملکی بینکوں، 93,913 دیہی کوآپریٹو بینکوں اور 1,574 شہری کوآپریٹو بینکوں پر مشتمل ہے۔ اس شعبے کے کچھ بڑے کھلاڑی ہیں- HDFCبینکاسٹیٹ بینک آف انڈیا،آئی سی آئی سی آئی بینک لمیٹڈ، یس بینک، وغیرہ۔ پبلک سیکٹر کے بینک بینکنگ سسٹم کے 70 فیصد سے زیادہ اثاثوں کو کنٹرول کرتے ہیں، اس طرح اس کے نجی ساتھیوں کے لیے نسبتاً چھوٹا حصہ رہ جاتا ہے۔

اگرچہ، اس شعبے میں بہت ساری امید افزا اور سرکردہ کمپنیاں ہیں، لیکن سرمایہ کاروں کو اس شعبے کو نہیں بھولنا چاہیے۔ایکویٹی فنڈز تمام ایکویٹی فنڈز میں سب سے زیادہ خطرناک ہیں۔ اس طرح، تجربہ کار سرمایہ کار اعلیخطرے کی بھوک اور جو طویل مدت کے لیے سرمایہ کاری کرنا چاہتا ہے، اسے مثالی طور پر نیچے دیے گئے فنڈز میں سرمایہ کاری پر غور کرنا چاہیے۔

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ہندوستان میں سرمایہ کاری کے لیے سرفہرست 7 بینکنگ اور فنانس میوچل فنڈز

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
UTI Banking and Financial Services Fund Growth ₹199.769
↓ -0.87 		₹1,3821.66.321.317.916.116.3
TATA Banking and Financial Services Fund Growth ₹44.7642
↓ -0.08 		₹3,22504.820.317.715.817.5
SBI Banking & Financial Services Fund Growth ₹45.8098
↓ -0.25 		₹10,1062.88.524.32217.520.4
ICICI Prudential Banking and Financial Services Fund Growth ₹136.17
↓ -0.27 		₹11,154-1.41.415.31615.915.9
Baroda Pioneer Banking And Financial Services Fund Growth ₹49.6945
↓ -0.25 		₹3730.33.617.71814.714.4
LIC MF Banking & Financial Services Fund Growth ₹22.1511
↓ -0.09 		₹2790.85.221.213.913.916.5
Aditya Birla Sun Life Banking And Financial Services Fund Growth ₹63.57
↓ -0.15 		₹3,6940.85.120.117.616.117.5
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 30 Jan 26

Research Highlights & Commentary of 7 Funds showcased

CommentaryUTI Banking and Financial Services FundTATA Banking and Financial Services FundSBI Banking & Financial Services FundICICI Prudential Banking and Financial Services FundBaroda Pioneer Banking And Financial Services FundLIC MF Banking & Financial Services FundAditya Birla Sun Life Banking And Financial Services Fund
Point 1Lower mid AUM (₹1,382 Cr).Lower mid AUM (₹3,225 Cr).Upper mid AUM (₹10,106 Cr).Highest AUM (₹11,154 Cr).Bottom quartile AUM (₹373 Cr).Bottom quartile AUM (₹279 Cr).Upper mid AUM (₹3,694 Cr).
Point 2Oldest track record among peers (21 yrs).Established history (10+ yrs).Established history (10+ yrs).Established history (17+ yrs).Established history (13+ yrs).Established history (10+ yrs).Established history (12+ yrs).
Point 3Rating: 3★ (upper mid).Not Rated.Not Rated.Top rated.Rating: 2★ (lower mid).Not Rated.Rating: 5★ (upper mid).
Point 4Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.Risk profile: High.
Point 55Y return: 16.07% (upper mid).5Y return: 15.78% (lower mid).5Y return: 17.53% (top quartile).5Y return: 15.91% (lower mid).5Y return: 14.69% (bottom quartile).5Y return: 13.87% (bottom quartile).5Y return: 16.06% (upper mid).
Point 63Y return: 17.90% (upper mid).3Y return: 17.70% (lower mid).3Y return: 22.00% (top quartile).3Y return: 16.03% (bottom quartile).3Y return: 18.03% (upper mid).3Y return: 13.89% (bottom quartile).3Y return: 17.59% (lower mid).
Point 71Y return: 21.32% (upper mid).1Y return: 20.28% (lower mid).1Y return: 24.28% (top quartile).1Y return: 15.33% (bottom quartile).1Y return: 17.68% (bottom quartile).1Y return: 21.24% (upper mid).1Y return: 20.10% (lower mid).
Point 8Alpha: -2.74 (bottom quartile).Alpha: -1.48 (lower mid).Alpha: 1.96 (top quartile).Alpha: -0.56 (upper mid).Alpha: -4.36 (bottom quartile).Alpha: -2.24 (lower mid).Alpha: -1.32 (upper mid).
Point 9Sharpe: 0.75 (lower mid).Sharpe: 0.82 (lower mid).Sharpe: 1.08 (top quartile).Sharpe: 0.88 (upper mid).Sharpe: 0.63 (bottom quartile).Sharpe: 0.74 (bottom quartile).Sharpe: 0.84 (upper mid).
Point 10Information ratio: 0.22 (lower mid).Information ratio: 0.29 (upper mid).Information ratio: 0.89 (top quartile).Information ratio: 0.16 (bottom quartile).Information ratio: 0.28 (upper mid).Information ratio: -0.40 (bottom quartile).Information ratio: 0.25 (lower mid).

UTI Banking and Financial Services Fund

  • Lower mid AUM (₹1,382 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: High.
  • 5Y return: 16.07% (upper mid).
  • 3Y return: 17.90% (upper mid).
  • 1Y return: 21.32% (upper mid).
  • Alpha: -2.74 (bottom quartile).
  • Sharpe: 0.75 (lower mid).
  • Information ratio: 0.22 (lower mid).

TATA Banking and Financial Services Fund

  • Lower mid AUM (₹3,225 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 15.78% (lower mid).
  • 3Y return: 17.70% (lower mid).
  • 1Y return: 20.28% (lower mid).
  • Alpha: -1.48 (lower mid).
  • Sharpe: 0.82 (lower mid).
  • Information ratio: 0.29 (upper mid).

SBI Banking & Financial Services Fund

  • Upper mid AUM (₹10,106 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 17.53% (top quartile).
  • 3Y return: 22.00% (top quartile).
  • 1Y return: 24.28% (top quartile).
  • Alpha: 1.96 (top quartile).
  • Sharpe: 1.08 (top quartile).
  • Information ratio: 0.89 (top quartile).

ICICI Prudential Banking and Financial Services Fund

  • Highest AUM (₹11,154 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 15.91% (lower mid).
  • 3Y return: 16.03% (bottom quartile).
  • 1Y return: 15.33% (bottom quartile).
  • Alpha: -0.56 (upper mid).
  • Sharpe: 0.88 (upper mid).
  • Information ratio: 0.16 (bottom quartile).

Baroda Pioneer Banking And Financial Services Fund

  • Bottom quartile AUM (₹373 Cr).
  • Established history (13+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: High.
  • 5Y return: 14.69% (bottom quartile).
  • 3Y return: 18.03% (upper mid).
  • 1Y return: 17.68% (bottom quartile).
  • Alpha: -4.36 (bottom quartile).
  • Sharpe: 0.63 (bottom quartile).
  • Information ratio: 0.28 (upper mid).

LIC MF Banking & Financial Services Fund

  • Bottom quartile AUM (₹279 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 13.87% (bottom quartile).
  • 3Y return: 13.89% (bottom quartile).
  • 1Y return: 21.24% (upper mid).
  • Alpha: -2.24 (lower mid).
  • Sharpe: 0.74 (bottom quartile).
  • Information ratio: -0.40 (bottom quartile).

Aditya Birla Sun Life Banking And Financial Services Fund

  • Upper mid AUM (₹3,694 Cr).
  • Established history (12+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 16.06% (upper mid).
  • 3Y return: 17.59% (lower mid).
  • 1Y return: 20.10% (lower mid).
  • Alpha: -1.32 (upper mid).
  • Sharpe: 0.84 (upper mid).
  • Information ratio: 0.25 (lower mid).
 اوپر کی فہرست کے اوپربینکنگ اور مالیاتی خدمات سے زیادہ AUM/نیٹ اثاثے رکھنے والے میوچل فنڈز100 کروڑ.

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 (₹1,382 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: High.
  • 5Y return: 16.07% (upper mid).
  • 3Y return: 17.90% (upper mid).
  • 1Y return: 21.32% (upper mid).
  • Alpha: -2.74 (bottom quartile).
  • Sharpe: 0.75 (lower mid).
  • Information ratio: 0.22 (lower mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~98%).
  • Largest holding ICICI Bank Ltd (~18.0%).
  • Top-3 holdings concentration ~42.4%.

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 Jan 26) ₹199.769 ↓ -0.87   (-0.43 %)
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.

DateValue
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

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 Jan 26

DurationReturns
1 Month 1.6%
3 Month 1.6%
6 Month 6.3%
1 Year 21.3%
3 Year 17.9%
5 Year 16.1%
10 Year
15 Year
Since launch 14.7%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Amit Premchandani16 Jun 250.55 Yr.
Bhavesh Kanani12 Jan 260 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services97.19%
Technology1.04%
Asset Allocation
Asset ClassValue
Cash1.77%
Equity98.23%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 04 | 532174		18%₹249 Cr1,852,344
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Mar 09 | HDFCBANK		16%₹216 Cr2,175,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Sep 18 | KOTAKBANK		9%₹121 Cr550,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Jun 18 | 532215		8%₹117 Cr925,000
State Bank of India (Financial Services)
Equity, Since 28 Feb 18 | SBIN		6%₹83 Cr850,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Nov 19 | 500034		6%₹79 Cr800,000
Shriram Finance Ltd (Financial Services)
Equity, Since 31 Jan 24 | SHRIRAMFIN		4%₹50 Cr500,000
Karur Vysya Bank Ltd (Financial Services)
Equity, Since 31 Dec 18 | 590003		3%₹45 Cr1,700,000
Max Financial Services Ltd (Financial Services)
Equity, Since 30 Sep 22 | 500271		3%₹40 Cr240,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Apr 25 | UJJIVANSFB		3%₹35 Cr6,534,317

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 (₹3,225 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 15.78% (lower mid).
  • 3Y return: 17.70% (lower mid).
  • 1Y return: 20.28% (lower mid).
  • Alpha: -1.48 (lower mid).
  • Sharpe: 0.82 (lower mid).
  • Information ratio: 0.29 (upper mid).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • Largest holding HDFC Bank Ltd (~18.4%).
  • Top-3 holdings concentration ~42.6%.

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 (30 Jan 26) ₹44.7642 ↓ -0.08   (-0.18 %)
Net Assets (Cr) ₹3,225 on 31 Dec 25
Category Equity - Sectoral
AMC Tata Asset Management Limited
Rating Not Rated
Risk High
Expense Ratio 1.98
Sharpe Ratio 0.82
Information Ratio 0.29
Alpha Ratio -1.48
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.

DateValue
31 Jan 21₹10,000
31 Jan 22₹11,954
31 Jan 23₹12,870
31 Jan 24₹16,083
31 Jan 25₹17,455
31 Jan 26₹20,804

TATA Banking and Financial Services Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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 30 Jan 26

DurationReturns
1 Month -0.4%
3 Month 0%
6 Month 4.8%
1 Year 20.3%
3 Year 17.7%
5 Year 15.8%
10 Year
15 Year
Since launch 16%
Historical performance (Yearly) on absolute basis
YearReturns
2024 17.5%
2023 9%
2022 22%
2021 16.9%
2020 11.9%
2019 2.7%
2018 25.7%
2017 -0.1%
2016 45%
2015 17.8%
Fund Manager information for TATA Banking and Financial Services Fund
NameSinceTenure
Kapil Malhotra31 Oct 250.17 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services94.39%
Technology2.42%
Asset Allocation
Asset ClassValue
Cash3.19%
Equity96.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | HDFCBANK		18%₹595 Cr6,000,000
↑ 360,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 532174		16%₹504 Cr3,750,000
↑ 1,440,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | 532215		9%₹275 Cr2,170,000
State Bank of India (Financial Services)
Equity, Since 30 Nov 20 | SBIN		8%₹262 Cr2,670,000
↑ 630,000
Bajaj Finserv Ltd (Financial Services)
Equity, Since 30 Apr 25 | 532978		3%₹104 Cr510,000
↑ 40,143
Bank of Baroda (Financial Services)
Equity, Since 30 Nov 25 | 532134		3%₹98 Cr3,300,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 16 | KOTAKBANK		3%₹92 Cr420,000
↓ -780,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Dec 24 | 500034		3%₹89 Cr900,000
Canara HSBC Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Oct 25 | CANHLIFE		2%₹80 Cr5,384,170
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Jun 19 | ICICIGI		2%₹78 Cr400,000

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 (₹10,106 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 17.53% (top quartile).
  • 3Y return: 22.00% (top quartile).
  • 1Y return: 24.28% (top quartile).
  • Alpha: 1.96 (top quartile).
  • Sharpe: 1.08 (top quartile).
  • Information ratio: 0.89 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding HDFC Bank Ltd (~12.4%).

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

SBI Banking & Financial Services Fund
Growth
Launch Date 26 Feb 15
NAV (30 Jan 26) ₹45.8098 ↓ -0.25   (-0.54 %)
Net Assets (Cr) ₹10,106 on 31 Dec 25
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating Not Rated
Risk High
Expense Ratio 1.83
Sharpe Ratio 1.08
Information Ratio 0.89
Alpha Ratio 1.96
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.

DateValue
31 Jan 21₹10,000
31 Jan 22₹12,128
31 Jan 23₹12,455
31 Jan 24₹15,988
31 Jan 25₹18,164
31 Jan 26₹22,420

SBI Banking & Financial Services Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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 30 Jan 26

DurationReturns
1 Month 0.9%
3 Month 2.8%
6 Month 8.5%
1 Year 24.3%
3 Year 22%
5 Year 17.5%
10 Year
15 Year
Since launch 14.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 20.4%
2023 19.6%
2022 18.6%
2021 13.5%
2020 12.1%
2019 4.8%
2018 20.7%
2017 9.5%
2016 40.7%
2015 17%
Fund Manager information for SBI Banking & Financial Services Fund
NameSinceTenure
Milind Agrawal1 Aug 196.42 Yr.
Pradeep Kesavan1 Dec 232.08 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services96.19%
Technology0.64%
Asset Allocation
Asset ClassValue
Cash3.12%
Equity96.83%
Debt0.05%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | HDFCBANK		12%₹1,252 Cr12,629,430
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 23 | KOTAKBANK		9%₹867 Cr3,940,636
↑ 349,082
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 25 | 532215		7%₹741 Cr5,840,195
↑ 604,785
Bajaj Finserv Ltd (Financial Services)
Equity, Since 30 Jun 25 | 532978		7%₹696 Cr3,411,808
State Bank of India (Financial Services)
Equity, Since 31 Jul 18 | SBIN		7%₹661 Cr6,730,364
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | 532174		6%₹596 Cr4,435,814
SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 May 25 | SBILIFE		5%₹490 Cr2,408,631
Muthoot Finance Ltd (Financial Services)
Equity, Since 31 Dec 22 | 533398		4%₹409 Cr1,074,249
ICICI Prudential Asset Management Co Ltd (Financial Services)
Equity, Since 31 Dec 25 | ICICIAMC		3%₹353 Cr1,327,904
↑ 1,327,904
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 31 Oct 25 | MCX		3%₹313 Cr281,000
↑ 72,084

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 (₹11,154 Cr).
  • Established history (17+ yrs).
  • Top rated.
  • Risk profile: High.
  • 5Y return: 15.91% (lower mid).
  • 3Y return: 16.03% (bottom quartile).
  • 1Y return: 15.33% (bottom quartile).
  • Alpha: -0.56 (upper mid).
  • Sharpe: 0.88 (upper mid).
  • Information ratio: 0.16 (bottom quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding HDFC Bank Ltd (~19.6%).
  • Top-3 holdings concentration ~44.2%.

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 Jan 26) ₹136.17 ↓ -0.27   (-0.20 %)
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.

DateValue
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

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 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 Jan 26

DurationReturns
1 Month -1%
3 Month -1.4%
6 Month 1.4%
1 Year 15.3%
3 Year 16%
5 Year 15.9%
10 Year
15 Year
Since launch 16.2%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Roshan Chutkey29 Jan 187.93 Yr.
Sharmila D’mello30 Jun 223.51 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services94.59%
Health Care1.22%
Technology0.39%
Industrials0.31%
Asset Allocation
Asset ClassValue
Cash3.45%
Equity96.55%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | HDFCBANK		20%₹2,190 Cr22,093,730
↓ -200,998
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 08 | 532174		17%₹1,885 Cr14,039,573
↓ -718,924
State Bank of India (Financial Services)
Equity, Since 31 Oct 08 | SBIN		8%₹850 Cr8,650,456
↓ -7,500
Axis Bank Ltd (Financial Services)
Equity, Since 28 Feb 19 | 532215		7%₹835 Cr6,575,273
SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 17 | SBILIFE		6%₹614 Cr3,016,205
↓ -88,110
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 23 | KOTAKBANK		5%₹548 Cr2,488,791
HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 23 | HDFCLIFE		4%₹393 Cr5,241,538
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | ICICIGI		3%₹303 Cr1,546,688
↑ 191,642
Max Financial Services Ltd (Financial Services)
Equity, Since 31 Aug 19 | 500271		2%₹251 Cr1,499,801
↓ -149,360
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Nov 25 | 543066		2%₹217 Cr2,522,560
↑ 2,439,946

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 (₹373 Cr).
  • Established history (13+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: High.
  • 5Y return: 14.69% (bottom quartile).
  • 3Y return: 18.03% (upper mid).
  • 1Y return: 17.68% (bottom quartile).
  • Alpha: -4.36 (bottom quartile).
  • Sharpe: 0.63 (bottom quartile).
  • Information ratio: 0.28 (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 (~19.9%).
  • Top-3 holdings concentration ~39.5%.

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 (30 Jan 26) ₹49.6945 ↓ -0.25   (-0.50 %)
Net Assets (Cr) ₹373 on 31 Dec 25
Category Equity - Sectoral
AMC Baroda Pioneer Asset Management Co. Ltd.
Rating ☆☆
Risk High
Expense Ratio 2.42
Sharpe Ratio 0.63
Information Ratio 0.28
Alpha Ratio -4.36
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.

DateValue
31 Jan 21₹10,000
31 Jan 22₹11,745
31 Jan 23₹12,163
31 Jan 24₹15,355
31 Jan 25₹16,955
31 Jan 26₹19,846

Baroda Pioneer Banking And Financial Services Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹436,710.
Net Profit of ₹136,710 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 30 Jan 26

DurationReturns
1 Month 0.2%
3 Month 0.3%
6 Month 3.6%
1 Year 17.7%
3 Year 18%
5 Year 14.7%
10 Year
15 Year
Since launch 12.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 14.4%
2023 12.5%
2022 20.5%
2021 15.7%
2020 8%
2019 -1%
2018 23.1%
2017 1.2%
2016 32.9%
2015 8.7%
Fund Manager information for Baroda Pioneer Banking And Financial Services Fund
NameSinceTenure
Sanjay Chawla29 Nov 250.09 Yr.
Yash Mehta29 Nov 250.09 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services94.21%
Technology1.9%
Asset Allocation
Asset ClassValue
Cash3.9%
Equity96.11%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 14 | HDFCBANK		20%₹74 Cr750,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Jul 12 | 532174		12%₹46 Cr345,000
↓ -25,000
State Bank of India (Financial Services)
Equity, Since 30 Jun 12 | SBIN		7%₹27 Cr271,200
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jul 13 | KOTAKBANK		6%₹22 Cr100,000
Axis Bank Ltd (Financial Services)
Equity, Since 30 Nov 16 | 532215		5%₹19 Cr150,000
↑ 25,000
Canara Bank (Financial Services)
Equity, Since 31 Oct 25 | 532483		3%₹12 Cr800,000
↑ 100,000
Multi Commodity Exchange of India Ltd (Financial Services)
Equity, Since 30 Jun 25 | MCX		3%₹12 Cr11,000
↑ 2,500
IndusInd Bank Ltd (Financial Services)
Equity, Since 30 Nov 25 | INDUSINDBK		3%₹11 Cr125,000
↑ 80,000
Bajaj Finance Ltd (Financial Services)
Equity, Since 31 Oct 21 | 500034		3%₹10 Cr104,760
RBL Bank Ltd (Financial Services)
Equity, Since 31 Oct 25 | RBLBANK		3%₹9 Cr300,000
↑ 193,000

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 (₹279 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 13.87% (bottom quartile).
  • 3Y return: 13.89% (bottom quartile).
  • 1Y return: 21.24% (upper mid).
  • Alpha: -2.24 (lower mid).
  • Sharpe: 0.74 (bottom quartile).
  • Information ratio: -0.40 (bottom quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~99%).
  • Largest holding HDFC Bank Ltd (~21.9%).
  • Top-3 holdings concentration ~41.8%.

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 (30 Jan 26) ₹22.1511 ↓ -0.09   (-0.40 %)
Net Assets (Cr) ₹279 on 31 Dec 25
Category Equity - Sectoral
AMC LIC Mutual Fund Asset Mgmt Co Ltd
Rating Not Rated
Risk High
Expense Ratio 2.27
Sharpe Ratio 0.74
Information Ratio -0.4
Alpha Ratio -2.24
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.

DateValue
31 Jan 21₹10,000
31 Jan 22₹12,118
31 Jan 23₹13,073
31 Jan 24₹15,926
31 Jan 25₹15,931
31 Jan 26₹19,141

LIC MF Banking & Financial Services Fund SIP Returns

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 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 30 Jan 26

DurationReturns
1 Month 0.5%
3 Month 0.8%
6 Month 5.2%
1 Year 21.2%
3 Year 13.9%
5 Year 13.9%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 16.5%
2023 0.5%
2022 20.5%
2021 19.6%
2020 9.8%
2019 -2.1%
2018 19.9%
2017 -18%
2016 32.7%
2015 10.5%
Fund Manager information for LIC MF Banking & Financial Services Fund
NameSinceTenure
Jaiprakash Toshniwal6 Sep 214.32 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services94.42%
Technology2.51%
Consumer Cyclical1.88%
Asset Allocation
Asset ClassValue
Cash1.19%
Equity98.81%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | HDFCBANK		22%₹61 Cr616,516
↓ -27,437
ICICI Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | 532174		12%₹34 Cr253,994
↓ -7,998
Axis Bank Ltd (Financial Services)
Equity, Since 30 Apr 15 | 532215		8%₹21 Cr169,239
↓ -5,329
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 29 Feb 24 | KOTAKBANK		7%₹19 Cr87,395
↓ -2,752
State Bank of India (Financial Services)
Equity, Since 31 Mar 20 | SBIN		5%₹14 Cr139,494
↓ -4,392
MAS Financial Services Ltd Ordinary Shares (Financial Services)
Equity, Since 31 Mar 22 | MASFIN		5%₹13 Cr392,463
↓ -12,359
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Sep 24 | 543066		4%₹10 Cr115,064
↓ -3,623
Piramal Finance Ltd (Financial Services)
Equity, Since 31 Oct 25 | PIRAMALFIN		3%₹8 Cr50,043
↓ -1,575
IIFL Finance Ltd (Financial Services)
Equity, Since 31 Jan 24 | 532636		3%₹8 Cr124,707
↓ -13,464
CreditAccess Grameen Ltd Ordinary Shares (Financial Services)
Equity, Since 30 Sep 22 | CREDITACC		3%₹8 Cr59,706
↓ -1,880

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 (₹3,694 Cr).
  • Established history (12+ yrs).
  • Rating: 5★ (upper mid).
  • Risk profile: High.
  • 5Y return: 16.06% (upper mid).
  • 3Y return: 17.59% (lower mid).
  • 1Y return: 20.10% (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 (~98%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding ICICI Bank Ltd (~17.0%).
  • Top-3 holdings concentration ~39.4%.

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 Jan 26) ₹63.57 ↓ -0.15   (-0.24 %)
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.

DateValue
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

   
My Monthly Investment:
₹
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 Jan 26

DurationReturns
1 Month -0.9%
3 Month 0.8%
6 Month 5.1%
1 Year 20.1%
3 Year 17.6%
5 Year 16.1%
10 Year
15 Year
Since launch 16.5%
Historical performance (Yearly) on absolute basis
YearReturns
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
NameSinceTenure
Dhaval Gala26 Aug 1510.36 Yr.

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

Equity Sector Allocation
SectorValue
Financial Services97.16%
Technology1.05%
Asset Allocation
Asset ClassValue
Cash1.79%
Equity98.21%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | 532174		17%₹628 Cr4,677,929
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 13 | HDFCBANK		15%₹536 Cr5,408,496
↓ -250,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Oct 18 | 532215		8%₹292 Cr2,302,100
Bajaj Finance Ltd (Financial Services)
Equity, Since 30 Sep 16 | 500034		6%₹211 Cr2,137,250
State Bank of India (Financial Services)
Equity, Since 31 Oct 17 | SBIN		5%₹188 Cr1,918,689
↓ -700,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 31 Jan 19 | KOTAKBANK		4%₹156 Cr709,333
AU Small Finance Bank Ltd (Financial Services)
Equity, Since 30 Nov 23 | 540611		4%₹134 Cr1,346,861
Shriram Finance Ltd (Financial Services)
Equity, Since 30 Jun 23 | SHRIRAMFIN		3%₹119 Cr1,198,382
ICICI Lombard General Insurance Co Ltd (Financial Services)
Equity, Since 30 Sep 19 | ICICIGI		3%₹111 Cr565,076
Cholamandalam Financial Holdings Ltd (Financial Services)
Equity, Since 31 Jan 20 | CHOLAHLDNG		3%₹95 Cr521,504
↓ -60,084

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