Should I invest in BANDHAN FINANCIAL SERVICES FUND?

We don't give personal investment advice. BANDHAN 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.

Bandhan

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH

Latest NAV

₹16.0140

As of

17 Jul 2026

737 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	+0.79%	-0.05%	+0.84	27 / 258	Q1
1W	-0.35%	-0.18%	-0.17	166 / 258	Q3
2W	+0.53%	-0.17%	+0.70	78 / 259	Q2
1M	+4.00%	+1.63%	+2.37	47 / 259	Q1
3M	+5.44%	+4.83%	+0.61	102 / 259	Q2
6M	+0.36%	+4.61%	-4.25	167 / 250	Q3
YTD	-0.05%	+2.98%	-3.03	155 / 247	Q3
1Y	+3.78%	+5.46%	-1.68	128 / 235	Q3
2Y	+8.70%	+4.09%	+4.61	47 / 187	Q2
3Y	+16.93%	+15.93%	+1.01	73 / 148	Q2
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+17.15%	+12.07%	+5.08	68 / 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	-0.05%	+3.40%	-3.45	154 / 244
2025	+12.90%	+4.41%	+8.49	39 / 208
2024	+20.29%	+23.18%	-2.89	92 / 155
2023	—	—	—	—

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

+17.01%

25 windows

min -1.4% · max 47.1%

96% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

—

Insufficient history

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

15.08%

3-year · annualised

Sharpe ratio

0.69

vs risk-free 6.5%

Sortino ratio

1.24

Downside-only deviation

Max drawdown

-17.31%

Jan 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 Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹16.0140
16 Jul 2026	₹15.8880
15 Jul 2026	₹16.0080
14 Jul 2026	₹15.9020
13 Jul 2026	₹16.0940
10 Jul 2026	₹16.0700
9 Jul 2026	₹15.8170
8 Jul 2026	₹15.6390
7 Jul 2026	₹16.0080
6 Jul 2026	₹16.0170

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 BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH is ₹16.0140. It's a Sectoral/Thematic Fund from Bandhan, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH has NAV history starting from 31 Jul 2023, a track record of about 2 years 11 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH is managed by Bandhan. 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, BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH has delivered a absolute return of 3.78% — -1.68 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #128 of 235 in its category — the third (Q3) quartile.

Over the trailing 3-year window, BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 16.93% — +1.01 pp ahead of the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #73 of 148 in its category — the second (Q2) quartile.

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH exactly 3 years ago would be worth approximately ₹159,884 today — a multiplier of 1.60×, based on the 3-year CAGR of 16.93%. The category average over the same window would have grown ₹1 lakh to ₹155,796.

A ₹10,000 monthly SIP in BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH over the last 1 year — total invested ₹120,000 — would be worth ₹124,724 today. That's an XIRR (money-weighted annualised return) of 7.37%.

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH doesn't yet have 10 years of NAVs. Over the longest available window (1-year SIP), ₹10,000/month would have grown to ₹124,724 — XIRR 7.37%.

On a 3-year basis, BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH ranks #73 out of 148 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 15.93%; this fund delivered 16.93%.

The worst peak-to-trough decline BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH has experienced over the last 3-year window is 17.31% — its NAV fell from a high on 06 Jan 2026 to a low on 30 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

The 3-year Sharpe ratio is 0.69 — reasonable risk-adjusted performance.

In calendar year 2025, BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH returned 12.90% — beating the Sectoral/Thematic Fund category average of 4.41% by 8.49 pp. It ranked #39 of 208 in its category that year.

BANDHAN 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. BANDHAN 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.

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

BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Sectoral/Thematic Fund

Recent NAVs

Frequently asked questions

More from Bandhan