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 - Regular 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: 22.7%. 5-year CAGR: 11.92%.

Aditya Birla Sun Life

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

Latest NAV

₹64.3300

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	+1.07%	-0.07%	+1.13	7 / 175	Q1
1W	-0.23%	-0.23%	+0.00	97 / 175	Q3
2W	-0.02%	-0.28%	+0.27	108 / 176	Q3
1M	+3.03%	+1.47%	+1.56	60 / 176	Q2
3M	+3.42%	+4.83%	-1.40	109 / 176	Q3
6M	-0.40%	+4.22%	-4.62	118 / 168	Q3
YTD	-0.39%	+2.36%	-2.75	102 / 165	Q3
1Y	+4.06%	+4.18%	-0.12	73 / 155	Q2
2Y	+6.47%	+2.32%	+4.15	32 / 111	Q2
3Y	+11.81%	+13.55%	-1.74	51 / 74	Q3
4Y	+16.29%	+14.92%	+1.37	28 / 55	Q3
5Y	+11.92%	+10.53%	+1.38	28 / 46	Q3
7Y	+12.21%	+16.29%	-4.08	27 / 32	Q4
10Y	+12.36%	+13.68%	-1.32	18 / 23	Q4
Inception	+16.05%	+9.09%	+6.96	41 / 176	Q1

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	-0.39%	+2.99%	-3.38	102 / 164
2025	+16.70%	+1.66%	+15.04	11 / 133
2024	+8.57%	+21.92%	-13.35	77 / 82
2023	+21.19%	+31.01%	-9.83	49 / 59
2022	+11.46%	+2.36%	+9.10	15 / 52
2021	+16.59%	+31.79%	-15.19	36 / 42
2020	+1.18%	+20.01%	-18.83	29 / 34
2019	+14.23%	+8.53%	+5.71	8 / 28
2018	-1.90%	-6.81%	+4.91	10 / 23
2017	+46.92%	+37.67%	+9.25	6 / 23
2016	+15.08%	+8.37%	+6.71	8 / 23

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

+17.29%

142 windows

min -40.9% · max 86.8%

80% positive

3-Year rolling

+14.70%

117 windows

min -10.1% · max 34.3%

93% positive

5-Year rolling

+13.16%

93 windows

min 1.4% · max 28.0%

100% positive

7-Year rolling

+12.96%

69 windows

min 8.8% · max 21.0%

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

14.54%

3-year · annualised

Sharpe ratio

0.39

vs risk-free 6.5%

Sortino ratio

0.67

Downside-only deviation

Max drawdown

-16.53%

Feb 2026 → Mar 2026

% positive months

61.1%

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 INNOVATION FUND - REGULAR PLAN - GROWTH OPTION	HDFC	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund - Regular Plan- Growth Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Growth	SBI	₹12.2936	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - Growth	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - Growth	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - Growth Option - Regular Plan	Quant	₹21.0071	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - REGULAR PLAN - GROWTH OPTION	Quantum	₹23.1700	17 Jul 2026
Aditya Birla Sun Life Business Cycle Fund-Regular-Growth	Aditya Birla Sun Life	₹15.6600	17 Jul 2026
Motilal Oswal Active Momentum Fund- Regular- Growth	Motilal Oswal	₹13.5060	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular Growth	Mirae Asset	₹21.9450	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹64.3300
16 Jul 2026	₹63.6500
15 Jul 2026	₹64.2000
14 Jul 2026	₹63.7200
13 Jul 2026	₹64.5800
10 Jul 2026	₹64.4800
9 Jul 2026	₹63.5000
8 Jul 2026	₹62.9700
7 Jul 2026	₹64.6000
6 Jul 2026	₹64.5600

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 - Regular Plan - Growth is ₹64.3300. It's a Sectoral/Thematic Fund from Aditya Birla Sun Life, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Banking and Financial Services Fund - Regular 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 - Regular 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 - Regular Plan - Growth has delivered a absolute return of 4.06% — -0.12 pp behind the Sectoral/Thematic Fund category average of 4.18%. The fund ranks #73 of 155 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth has delivered a CAGR of 11.81% — -1.74 pp behind the Sectoral/Thematic Fund category average of 13.55%. The fund ranks #51 of 74 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth has delivered a CAGR of 11.92% — +1.38 pp ahead of the Sectoral/Thematic Fund category average of 10.53%. The fund ranks #28 of 46 in its category — the third (Q3) quartile.

₹1 lakh invested in Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹320,688 today — a multiplier of 3.21×, based on the 10-year CAGR of 12.36%. The category average over the same window would have grown ₹1 lakh to ₹360,408.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹817,477 today. That's an XIRR (money-weighted annualised return) of 12.32%.

A ₹10,000 monthly SIP for 10 years in Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,303,828 (multiplier 1.92×). XIRR: 12.52%. 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 - Regular Plan - Growth ranks #28 out of 46 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 10.53%; this fund delivered 11.92%.

The worst peak-to-trough decline Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth has experienced over the last 5-year window is 22.74% — 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 - Regular Plan - Growth averaged 13.16% (best 28.00%, worst 1.38%). 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 - Regular Plan - Growth returned 16.70% — beating the Sectoral/Thematic Fund category average of 1.66% by 15.04 pp. It ranked #11 of 133 in its category that year.

Aditya Birla Sun Life Banking and Financial Services Fund - Regular 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 - Regular 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: 22.7%. 5-year CAGR: 11.92%.

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