بہترین مالیاتی میوچل فنڈز 2022

Updated on January 2, 2026 , 16190 views

ایک مالیاتیباہمی چندہ سیکٹر کا حصہ ہیں۔ایکویٹی فنڈز. ان فنڈز کو 'بینکنگ اینڈ فنانشل سروسز فنڈ' کے نام سے بھی جانا جاتا ہے۔ ان فنڈز کا مقصد پیدا کرنا ہے۔آمدنی کی طرف سےسرمایہ کاری بینکنگ سیکٹر اور مالیاتی صنعت کو پورا کرنے والی کمپنیوں کے اسٹاک/حصص میں۔ لہذا، آئیے سرمایہ کاری کے لیے بہترین مالیاتی میوچل فنڈز کے ساتھ ساتھ مالیاتی فنڈز کی مستقبل کی صلاحیت کو سمجھیں۔

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ہندوستان میں مالیاتی باہمی فنڈز

اگر ہم جولائی 2017 کے جاری کردہ اعداد و شمار پر نظر ڈالیں۔SEBI، بینکنگ اورسیکٹر فنڈز سب سے زیادہ پسندیدہ تھے. اعداد و شمار سے پتہ چلتا ہے کہبینک اور فنانس- دو سرکردہ شعبوں نے شیئر AUM میں زبردست اضافہ دکھایا ہے۔

جولائی 17 کے اعدادوشمار کے مطابق، بینکنگ سیکٹر کی اے یو ایم، جو کہ سرفہرست سیکٹر ہے، صرف چھ ماہ میں 20.9 فیصد سے بڑھ کر 22.6 فیصد ہو گئی ہے۔

فنانشل میوچل فنڈز میں آن لائن سرمایہ کاری کیسے کی جائے؟

Fincash.com پر لائف ٹائم کے لیے مفت انویسٹمنٹ اکاؤنٹ کھولیں۔

اپنی رجسٹریشن اور KYC کا عمل مکمل کریں۔

دستاویزات اپ لوڈ کریں (PAN، آدھار، وغیرہ)۔اور، آپ سرمایہ کاری کے لیے تیار ہیں!

شروع کرنے کے

اعلی کارکردگی کا مظاہرہ کرنے والے بہترین مالیاتی میوچل فنڈز 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	₹65.07 ↑ 0.49	₹3,708	7.6	5	16	16	15.3	17.5
ICICI Prudential Banking and Financial Services Fund Growth	₹139.95 ↑ 1.01	₹11,085	4.9	3	15	15.2	16.1	15.9
Invesco India Financial Services Fund Growth	₹147.2 ↑ 1.49	₹1,589	8.6	5	14.1	20.5	17.7	15.1
Sundaram Financial Services Opportunities Fund Growth	₹111.872 ↑ 0.88	₹1,666	10.1	5.6	16.2	18.4	17.5	16.9
UTI Banking and Financial Services Fund Growth	₹200.454 ↑ 1.62	₹1,386	6.1	3.5	15.5	15.8	15.5	16.3
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jan 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	Sundaram Financial Services Opportunities Fund	UTI Banking and Financial Services Fund
Point 1	Upper mid AUM (₹3,708 Cr).	Highest AUM (₹11,085 Cr).	Bottom quartile AUM (₹1,589 Cr).	Lower mid AUM (₹1,666 Cr).	Bottom quartile AUM (₹1,386 Cr).
Point 2	Established history (12+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).	Established history (17+ yrs).	Oldest track record among peers (21 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: 15.34% (bottom quartile).	5Y return: 16.11% (lower mid).	5Y return: 17.74% (top quartile).	5Y return: 17.53% (upper mid).	5Y return: 15.46% (bottom quartile).
Point 6	3Y return: 16.01% (lower mid).	3Y return: 15.21% (bottom quartile).	3Y return: 20.46% (top quartile).	3Y return: 18.43% (upper mid).	3Y return: 15.85% (bottom quartile).
Point 7	1Y return: 16.01% (upper mid).	1Y return: 14.96% (bottom quartile).	1Y return: 14.09% (bottom quartile).	1Y return: 16.23% (top quartile).	1Y return: 15.46% (lower mid).
Point 8	Alpha: -2.82 (lower mid).	Alpha: -0.89 (top quartile).	Alpha: -4.69 (bottom quartile).	Alpha: -4.35 (bottom quartile).	Alpha: -2.70 (upper mid).
Point 9	Sharpe: 0.63 (lower mid).	Sharpe: 0.74 (top quartile).	Sharpe: 0.50 (bottom quartile).	Sharpe: 0.52 (bottom quartile).	Sharpe: 0.64 (upper mid).
Point 10	Information ratio: 0.29 (lower mid).	Information ratio: 0.23 (bottom quartile).	Information ratio: 0.83 (top quartile).	Information ratio: 0.63 (upper mid).	Information ratio: 0.26 (bottom quartile).

Aditya Birla Sun Life Banking And Financial Services Fund

Upper mid AUM (₹3,708 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.34% (bottom quartile).
3Y return: 16.01% (lower mid).
1Y return: 16.01% (upper mid).
Alpha: -2.82 (lower mid).
Sharpe: 0.63 (lower mid).
Information ratio: 0.29 (lower mid).

ICICI Prudential Banking and Financial Services Fund

Highest AUM (₹11,085 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 16.11% (lower mid).
3Y return: 15.21% (bottom quartile).
1Y return: 14.96% (bottom quartile).
Alpha: -0.89 (top quartile).
Sharpe: 0.74 (top quartile).
Information ratio: 0.23 (bottom quartile).

Invesco India Financial Services Fund

Bottom quartile AUM (₹1,589 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 17.74% (top quartile).
3Y return: 20.46% (top quartile).
1Y return: 14.09% (bottom quartile).
Alpha: -4.69 (bottom quartile).
Sharpe: 0.50 (bottom quartile).
Information ratio: 0.83 (top quartile).

Sundaram Financial Services Opportunities Fund

Lower mid AUM (₹1,666 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 17.53% (upper mid).
3Y return: 18.43% (upper mid).
1Y return: 16.23% (top quartile).
Alpha: -4.35 (bottom quartile).
Sharpe: 0.52 (bottom quartile).
Information ratio: 0.63 (upper mid).

UTI Banking and Financial Services Fund

Bottom quartile AUM (₹1,386 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 15.46% (bottom quartile).
3Y return: 15.85% (bottom quartile).
1Y return: 15.46% (lower mid).
Alpha: -2.70 (upper mid).
Sharpe: 0.64 (upper mid).
Information ratio: 0.26 (bottom quartile).

جب ہم ہندوستان کے بینکنگ اور فنانس سیکٹر کے بارے میں بات کرتے ہیں تو ہمارے پاس بہت سے بڑے کھلاڑی ہیں۔آئی سی آئی سی آئی بینک لمیٹڈ، ایچ ڈی ایف سی بینک لمیٹڈ، اسٹیٹ بینک آف انڈیا، یس بینک لمیٹڈ، ایکسس بینک لمیٹڈ، وغیرہ۔ ہندوستانی بینکنگ سسٹم 26 نجی شعبے کے بینکوں، 27 پبلک سیکٹر کے بینکوں، 1,574 شہری کوآپریٹو بینکوں، 56 علاقائی دیہی بینکوں، 46 غیر ملکی بینکوں پر مشتمل ہے۔ اور کوآپریٹو کریڈٹ اداروں کے علاوہ 93,913 دیہی کوآپریٹو بینک۔

وہ کمپنیاں جو بینکنگ اور مالیاتی صنعت کے اندر کام کرتی ہیں انتہائی منظم ہیں۔ بہت سی اچھی کمپنیاں سالوں میں مسلسل کارکردگی اور منافع فراہم کرنے کا مقصد رکھتی ہیں، نتیجتاً، یہ ان سرمایہ کاروں کے لیے اعتماد پیدا کرتی ہے جو سیکٹر فنڈز میں سرمایہ کاری کرنے کا منصوبہ بنا رہے ہیں۔ تاہم، ایسے فنڈز کے خطرے کے عوامل کو ہمیشہ ذہن میں رکھنا چاہیے۔ یہ فنڈز، بعض اوقات، دو انتہاؤں پر ہو سکتے ہیں، یہ اچھے منافع فراہم کر سکتے ہیں اور بعض اوقات بری کارکردگی کا مظاہرہ بھی کر سکتے ہیں۔ اس لیے یہ مشورہ دیا جاتا ہے کہ ایسے سرمایہ کار جو اس طرح کے سیکٹر فنڈز میں سرمایہ کاری کرنے کا ارادہ رکھتے ہیں، ان کے پاس اعلیخطرے کی بھوک اور طویل مدت تک سرمایہ کاری میں رہنا چاہیے۔ مثالی طور پر، تنوع کے مقصد کے لیے ایسے فنڈز میں سرمایہ کاری کرنی چاہیے۔

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 (₹3,708 Cr).
Established history (12+ yrs).
Top rated.
Risk profile: High.
5Y return: 15.34% (bottom quartile).
3Y return: 16.01% (lower mid).
1Y return: 16.01% (upper mid).
Alpha: -2.82 (lower mid).
Sharpe: 0.63 (lower mid).
Information ratio: 0.29 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~17.5%).
Top-3 holdings concentration ~40.8%.

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 (02 Jan 26)	₹65.07 ↑ 0.49 (0.76 %)
Net Assets (Cr)	₹3,708 on 30 Nov 25
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	0.63
Information Ratio	0.29
Alpha Ratio	-2.82
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 Dec 20	₹10,000
31 Dec 21	₹11,681
31 Dec 22	₹13,020
31 Dec 23	₹15,852
31 Dec 24	₹17,234
31 Dec 25	₹20,248

Aditya Birla Sun Life Banking And 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 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 2 Jan 26

Duration	Returns
1 Month	1.7%
3 Month	7.6%
6 Month	5%
1 Year	16%
3 Year	16%
5 Year	15.3%
10 Year
15 Year
Since launch	16.8%

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	10.27 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	97.86%
Technology	1.09%

Asset Allocation

Asset Class	Value
Cash	1.05%
Equity	98.95%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	18%	₹650 Cr	4,677,929
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	15%	₹570 Cr	5,658,496 ↓ -350,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| AXISBANK	8%	₹295 Cr	2,302,100
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	7%	₹256 Cr	2,618,689 ↓ -100,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| BAJFINANCE	6%	₹222 Cr	2,137,250
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 19 \| KOTAKBANK	4%	₹151 Cr	709,333
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| AUBANK	3%	₹129 Cr	1,346,861
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹111 Cr	565,076
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	3%	₹107 Cr	581,588 ↓ -42,318
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	3%	₹102 Cr	1,198,382

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 (₹11,085 Cr).
Established history (17+ yrs).
Rating: 5★ (upper mid).
Risk profile: High.
5Y return: 16.11% (lower mid).
3Y return: 15.21% (bottom quartile).
1Y return: 14.96% (bottom quartile).
Alpha: -0.89 (top quartile).
Sharpe: 0.74 (top quartile).
Information ratio: 0.23 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~20.3%).
Top-3 holdings concentration ~46.4%.

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 (02 Jan 26)	₹139.95 ↑ 1.01 (0.73 %)
Net Assets (Cr)	₹11,085 on 30 Nov 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.83
Sharpe Ratio	0.74
Information Ratio	0.23
Alpha Ratio	-0.89
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 Dec 20	₹10,000
31 Dec 21	₹12,346
31 Dec 22	₹13,821
31 Dec 23	₹16,291
31 Dec 24	₹18,184
31 Dec 25	₹21,071

ICICI Prudential Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 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 2 Jan 26

Duration	Returns
1 Month	0.8%
3 Month	4.9%
6 Month	3%
1 Year	15%
3 Year	15.2%
5 Year	16.1%
10 Year
15 Year
Since launch	16.4%

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	7.84 Yr.
Sharmila D’mello	30 Jun 22	3.42 Yr.

Data below for ICICI Prudential Banking and Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	92.37%
Health Care	1.26%
Technology	0.43%
Industrials	0.32%

Asset Allocation

Asset Class	Value
Cash	5.62%
Equity	94.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	20%	₹2,246 Cr	22,294,728
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| ICICIBANK	18%	₹2,050 Cr	14,758,497
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	8%	₹848 Cr	8,657,956 ↓ -578,710
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| AXISBANK	8%	₹841 Cr	6,575,273
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	6%	₹610 Cr	3,104,315
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	5%	₹529 Cr	2,488,791
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	4%	₹401 Cr	5,241,538 ↑ 356,588
Max Financial Services Ltd (Financial Services) Equity, Since 31 Aug 19 \| MFSL	3%	₹281 Cr	1,649,161
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	2%	₹267 Cr	1,355,046
LIC Housing Finance Ltd (Financial Services) Equity, Since 30 Nov 24 \| LICHSGFIN	2%	₹220 Cr	4,002,710 ↑ 35,434

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 (₹1,589 Cr).
Established history (17+ yrs).
Rating: 4★ (lower mid).
Risk profile: High.
5Y return: 17.74% (top quartile).
3Y return: 20.46% (top quartile).
1Y return: 14.09% (bottom quartile).
Alpha: -4.69 (bottom quartile).
Sharpe: 0.50 (bottom quartile).
Information ratio: 0.83 (top quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding ICICI Bank Ltd (~18.6%).
Top-3 holdings concentration ~42.4%.

Below is the key information for Invesco India Financial Services Fund

Invesco India Financial Services Fund Growth
Launch Date	14 Jul 08
NAV (02 Jan 26)	₹147.2 ↑ 1.49 (1.02 %)
Net Assets (Cr)	₹1,589 on 30 Nov 25
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆☆
Risk	High
Expense Ratio	2.23
Sharpe Ratio	0.5
Information Ratio	0.83
Alpha Ratio	-4.69
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 Dec 20	₹10,000
31 Dec 21	₹11,402
31 Dec 22	₹12,863
31 Dec 23	₹16,206
31 Dec 24	₹19,422
31 Dec 25	₹22,349

Invesco India Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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 2 Jan 26

Duration	Returns
1 Month	1.7%
3 Month	8.6%
6 Month	5%
1 Year	14.1%
3 Year	20.5%
5 Year	17.7%
10 Year
15 Year
Since launch	16.6%

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	5.54 Yr.

Data below for Invesco India Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	96.24%
Technology	1.78%
Health Care	0.88%

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 Oct 09 \| ICICIBANK	19%	₹295 Cr	2,125,794
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jul 08 \| HDFCBANK	18%	₹286 Cr	2,838,202
Multi Commodity Exchange of India Ltd (Financial Services) Equity, Since 28 Feb 22 \| MCX	6%	₹93 Cr	92,142
Axis Bank Ltd (Financial Services) Equity, Since 31 May 18 \| AXISBANK	5%	₹83 Cr	645,964
Central Depository Services (India) Ltd (Financial Services) Equity, Since 31 Aug 23 \| CDSL	4%	₹62 Cr	381,194
Karur Vysya Bank Ltd (Financial Services) Equity, Since 30 Sep 22 \| KARURVYSYA	4%	₹58 Cr	2,337,567
Cholamandalam Investment and Finance Co Ltd (Financial Services) Equity, Since 31 Jul 17 \| CHOLAFIN	4%	₹57 Cr	325,622
Shriram Finance Ltd (Financial Services) Equity, Since 28 Feb 25 \| SHRIRAMFIN	3%	₹48 Cr	562,890
Muthoot Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| MUTHOOTFIN	3%	₹44 Cr	116,186
Nuvama Wealth Management Ltd (Financial Services) Equity, Since 30 Sep 25 \| NUVAMA	3%	₹42 Cr	56,468 ↑ 3,415

4. 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 (₹1,666 Cr).
Established history (17+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 17.53% (upper mid).
3Y return: 18.43% (upper mid).
1Y return: 16.23% (top quartile).
Alpha: -4.35 (bottom quartile).
Sharpe: 0.52 (bottom quartile).
Information ratio: 0.63 (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 (~18.8%).
Top-3 holdings concentration ~40.6%.

Below is the key information for Sundaram Financial Services Opportunities Fund

Sundaram Financial Services Opportunities Fund Growth
Launch Date	10 Jun 08
NAV (02 Jan 26)	₹111.872 ↑ 0.88 (0.80 %)
Net Assets (Cr)	₹1,666 on 30 Nov 25
Category	Equity - Sectoral
AMC	Sundaram Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.12
Sharpe Ratio	0.52
Information Ratio	0.63
Alpha Ratio	-4.35
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 Dec 20	₹10,000
31 Dec 21	₹11,534
31 Dec 22	₹13,469
31 Dec 23	₹17,661
31 Dec 24	₹18,909
31 Dec 25	₹22,112

Sundaram Financial Services Opportunities Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 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 2 Jan 26

Duration	Returns
1 Month	2.6%
3 Month	10.1%
6 Month	5.6%
1 Year	16.2%
3 Year	18.4%
5 Year	17.5%
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	7.92 Yr.

Data below for Sundaram Financial Services Opportunities Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	96.07%

Asset Allocation

Asset Class	Value
Cash	3.85%
Equity	96.07%
Debt	0.08%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 08 \| HDFCBANK	19%	₹314 Cr	3,114,256
ICICI Bank Ltd (Financial Services) Equity, Since 30 Jun 10 \| ICICIBANK	12%	₹197 Cr	1,416,021 ↑ 24,039
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 10 \| AXISBANK	10%	₹166 Cr	1,297,927
State Bank of India (Financial Services) Equity, Since 31 Dec 08 \| SBIN	6%	₹98 Cr	1,003,469
Bajaj Finserv Ltd (Financial Services) Equity, Since 31 Mar 25 \| BAJAJFINSV	5%	₹83 Cr	397,562 ↑ 56,063
DCB Bank Ltd (Financial Services) Equity, Since 30 Sep 24 \| DCBBANK	5%	₹78 Cr	4,243,632
Shriram Finance Ltd (Financial Services) Equity, Since 30 Sep 23 \| SHRIRAMFIN	4%	₹73 Cr	857,649 ↓ -145,949
CSB Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Jun 20 \| CSBBANK	4%	₹66 Cr	1,606,226 ↓ -37,816
Bank of Baroda (Financial Services) Equity, Since 29 Feb 24 \| BANKBARODA	4%	₹64 Cr	2,208,626
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Jul 24 \| PNBHOUSING	4%	₹60 Cr	665,351

5. 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 (₹1,386 Cr).
Oldest track record among peers (21 yrs).
Rating: 3★ (bottom quartile).
Risk profile: High.
5Y return: 15.46% (bottom quartile).
3Y return: 15.85% (bottom quartile).
1Y return: 15.46% (lower mid).
Alpha: -2.70 (upper mid).
Sharpe: 0.64 (upper mid).
Information ratio: 0.26 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~98%).
Largest holding ICICI Bank Ltd (~18.6%).
Top-3 holdings concentration ~42.9%.

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 (02 Jan 26)	₹200.454 ↑ 1.62 (0.81 %)
Net Assets (Cr)	₹1,386 on 30 Nov 25
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.2
Sharpe Ratio	0.64
Information Ratio	0.26
Alpha Ratio	-2.7
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 Dec 20	₹10,000
31 Dec 21	₹11,427
31 Dec 22	₹13,150
31 Dec 23	₹15,720
31 Dec 24	₹17,464
31 Dec 25	₹20,313

UTI Banking and 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 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 2 Jan 26

Duration	Returns
1 Month	1.3%
3 Month	6.1%
6 Month	3.5%
1 Year	15.5%
3 Year	15.8%
5 Year	15.5%
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	0.46 Yr.

Data below for UTI Banking and Financial Services Fund as on 30 Nov 25

Equity Sector Allocation

Sector	Value
Financial Services	97.15%
Technology	1.09%

Asset Allocation

Asset Class	Value
Cash	1.75%
Equity	98.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 04 \| ICICIBANK	19%	₹257 Cr	1,852,344
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 09 \| HDFCBANK	16%	₹219 Cr	2,175,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| AXISBANK	9%	₹118 Cr	925,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Sep 18 \| KOTAKBANK	8%	₹117 Cr	550,000
State Bank of India (Financial Services) Equity, Since 28 Feb 18 \| SBIN	6%	₹83 Cr	850,000
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Nov 19 \| BAJFINANCE	6%	₹83 Cr	800,000 ↓ -20,000
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| SHRIRAMFIN	3%	₹43 Cr	500,000 ↓ -50,000
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| KARURVYSYA	3%	₹42 Cr	1,700,000 ↓ -100,000
Max Financial Services Ltd (Financial Services) Equity, Since 30 Sep 22 \| MFSL	3%	₹41 Cr	240,000
Ujjivan Small Finance Bank Ltd Ordinary Shares (Financial Services) Equity, Since 30 Apr 25 \| UJJIVANSFB	3%	₹36 Cr	6,534,317

Disclaimer:
یہاں فراہم کردہ معلومات کے درست ہونے کو یقینی بنانے کے لیے تمام کوششیں کی گئی ہیں۔ تاہم، ڈیٹا کی درستگی کے حوالے سے کوئی ضمانت نہیں دی جاتی ہے۔ براہ کرم کوئی بھی سرمایہ کاری کرنے سے پہلے اسکیم کی معلومات کے دستاویز کے ساتھ تصدیق کریں۔