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: 12.99%.

Aditya Birla Sun Life

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

Latest NAV

₹72.8200

As of

17 Jul 2026

3,092 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	+1.05%	-0.05%	+1.10	10 / 258	Q1
1W	-0.22%	-0.18%	-0.04	145 / 258	Q3
2W	+0.03%	-0.17%	+0.20	146 / 259	Q3
1M	+3.09%	+1.63%	+1.46	77 / 259	Q2
3M	+3.66%	+4.83%	-1.17	145 / 259	Q3
6M	+0.06%	+4.61%	-4.55	172 / 250	Q3
YTD	+0.10%	+2.98%	-2.89	149 / 247	Q3
1Y	+5.02%	+5.46%	-0.44	111 / 235	Q2
2Y	+7.46%	+4.09%	+3.37	55 / 187	Q2
3Y	+12.86%	+15.93%	-3.06	106 / 148	Q3
4Y	+17.40%	+17.58%	-0.19	73 / 121	Q3
5Y	+12.99%	+13.72%	-0.73	69 / 110	Q3
7Y	+13.32%	+17.79%	-4.47	77 / 91	Q4
10Y	+13.51%	+14.89%	-1.38	53 / 76	Q3
Inception	+17.20%	+12.07%	+5.12	67 / 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	+0.10%	+3.40%	-3.30	148 / 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

+18.45%

142 windows

min -40.3% · max 88.9%

82% positive

3-Year rolling

+15.85%

117 windows

min -9.1% · max 35.4%

93% positive

5-Year rolling

+14.32%

93 windows

min 2.4% · max 29.3%

100% positive

7-Year rolling

+14.11%

69 windows

min 9.9% · max 22.2%

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

14.55%

3-year · annualised

Sharpe ratio

0.46

vs risk-free 6.5%

Sortino ratio

0.79

Downside-only deviation

Max drawdown

-16.43%

Feb 2026 → Mar 2026

% positive months

63.9%

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	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Growth	SBI	₹12.5868	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Business Cycle Fund-Direct Growth	Aditya Birla Sun Life	₹16.6000	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹72.8200
16 Jul 2026	₹72.0600
15 Jul 2026	₹72.6700
14 Jul 2026	₹72.1300
13 Jul 2026	₹73.1000
10 Jul 2026	₹72.9800
9 Jul 2026	₹71.8700
8 Jul 2026	₹71.2700
7 Jul 2026	₹73.1100
6 Jul 2026	₹73.0600

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 17 Jul 2026, the NAV of Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth is ₹72.8200. 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 7 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 5.02% — -0.44 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #111 of 235 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth has delivered a CAGR of 12.86% — -3.06 pp behind the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #106 of 148 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth has delivered a CAGR of 12.99% — -0.73 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #69 of 110 in its category — the third (Q3) 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 ₹355,221 today — a multiplier of 3.55×, based on the 10-year CAGR of 13.51%. The category average over the same window would have grown ₹1 lakh to ₹400,745.

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 ₹839,419 today. That's an XIRR (money-weighted annualised return) of 13.39%.

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 ₹2,443,692 (multiplier 2.04×). XIRR: 13.62%. 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 #69 out of 110 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 13.72%; this fund delivered 12.99%.

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 14.32% (best 29.28%, worst 2.38%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.41 — 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: 12.99%.

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