Should I invest in Aditya Birla Sun Life Banking and Financial Services Fund?

We don't give personal investment advice. Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.2%. 5-year CAGR: 11.17%.

Aditya Birla Sun Life

Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth

Latest NAV

₹66.7400

As of

3 Jun 2026

3,061 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.27%	+0.27%	-0.54	221 / 258	Q4
1W	-3.47%	-1.34%	-2.14	246 / 258	Q4
2W	-1.30%	+0.04%	-1.34	211 / 259	Q4
1M	-3.89%	-0.39%	-3.50	250 / 259	Q4
3M	-6.41%	+2.19%	-8.61	241 / 257	Q4
6M	-7.38%	-1.09%	-6.28	192 / 247	Q4
YTD	-8.33%	-1.30%	-7.03	210 / 247	Q4
1Y	-1.21%	+5.02%	-6.23	167 / 230	Q3
2Y	+5.70%	+5.50%	+0.20	78 / 182	Q2
3Y	+12.05%	+16.94%	-4.88	105 / 139	Q4
4Y	+15.01%	+16.57%	-1.56	77 / 119	Q3
5Y	+11.17%	+13.73%	-2.56	84 / 109	Q4
7Y	+10.76%	+16.42%	-5.66	82 / 91	Q4
10Y	+13.44%	+15.07%	-1.63	57 / 76	Q3
Inception	+16.56%	+10.45%	+6.11	66 / 259	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-8.33%	-0.94%	-7.39	208 / 244
2025	+17.77%	+4.41%	+13.36	23 / 208
2024	+9.60%	+23.18%	-13.58	146 / 155
2023	+22.32%	+33.51%	-11.19	110 / 127
2022	+12.56%	+4.32%	+8.23	33 / 116
2021	+17.80%	+34.43%	-16.63	90 / 104
2020	+2.31%	+21.19%	-18.89	83 / 94
2019	+15.38%	+9.30%	+6.08	18 / 85
2018	-0.76%	-5.36%	+4.60	28 / 77
2017	+48.74%	+35.61%	+13.14	12 / 76
2016	+15.87%	+4.98%	+10.89	9 / 76

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+18.53%

140 windows

min -41.2% · max 93.1%

83% positive

3-Year rolling

+15.63%

116 windows

min -9.1% · max 35.4%

93% positive

5-Year rolling

+14.08%

91 windows

min 1.1% · max 26.3%

100% positive

7-Year rolling

+14.05%

67 windows

min 10.7% · max 21.2%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

14.04%

3-year · annualised

Sharpe ratio

0.42

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-16.43%

Feb 2026 → Mar 2026

% positive months

66.7%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option - Direct Plan	HDFC	₹18.0340	3 Jun 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹12.1791	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Growth	SBI	₹11.7563	3 Jun 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.6800	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹13.3000	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹20.2506	3 Jun 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹23.5100	3 Jun 2026
Aditya Birla Sun Life Conglomerate Fund-Direct Growth	Aditya Birla Sun Life	₹10.7500	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.3284	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹66.7400
2 Jun 2026	₹66.6900
1 Jun 2026	₹66.8700
29 May 2026	₹67.8300
27 May 2026	₹68.8000
26 May 2026	₹69.0900
25 May 2026	₹69.3400
22 May 2026	₹68.0000
21 May 2026	₹67.4700
20 May 2026	₹67.5700

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth is ₹66.7400. It's a Sectoral/Thematic Fund from Aditya Birla Sun Life, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth has NAV history starting from 18 Dec 2013, a track record of about 12 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth has delivered a absolute return of -1.21% — -6.23 pp behind the Sectoral/Thematic Fund category average of 5.02%. The fund ranks #167 of 230 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth has delivered a CAGR of 12.05% — -4.88 pp behind the Sectoral/Thematic Fund category average of 16.94%. The fund ranks #105 of 139 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth has delivered a CAGR of 11.17% — -2.56 pp behind the Sectoral/Thematic Fund category average of 13.73%. The fund ranks #84 of 109 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹353,045 today — a multiplier of 3.53×, based on the 10-year CAGR of 13.44%. The category average over the same window would have grown ₹1 lakh to ₹407,181.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹781,121 today. That's an XIRR (money-weighted annualised return) of 10.48%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,273,127 (multiplier 1.89×). XIRR: 12.27%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth ranks #84 out of 109 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 13.73%; this fund delivered 11.17%.

The worst peak-to-trough decline Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth has experienced over the last 5-year window is 22.23% — its NAV fell from a high on 26 Oct 2021 to a low on 20 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth averaged 14.08% (best 26.29%, worst 1.06%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.35 — weak risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth returned 17.77% — beating the Sectoral/Thematic Fund category average of 4.41% by 13.36 pp. It ranked #23 of 208 in its category that year.

Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 22.2%. 5-year CAGR: 11.17%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.