Should I invest in ICICI Prudential Banking and Financial Services Fund?

We don't give personal investment advice. ICICI Prudential 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: 20.3%. 5-year CAGR: 11.03%.

ICICI Prudential

ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth

Latest NAV

₹152.4700

As of

17 Jul 2026

3,331 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	+0.85%	-0.05%	+0.89	22 / 258	Q1
1W	+0.16%	-0.18%	+0.34	72 / 258	Q2
2W	+0.46%	-0.17%	+0.63	91 / 259	Q2
1M	+2.85%	+1.63%	+1.22	94 / 259	Q2
3M	+2.63%	+4.83%	-2.19	180 / 259	Q3
6M	-2.35%	+4.61%	-6.96	214 / 250	Q4
YTD	-2.88%	+2.98%	-5.86	198 / 247	Q4
1Y	-0.21%	+5.46%	-5.67	179 / 235	Q4
2Y	+6.33%	+4.09%	+2.24	65 / 187	Q2
3Y	+11.47%	+15.93%	-4.46	117 / 148	Q4
4Y	+15.01%	+17.58%	-2.57	84 / 121	Q3
5Y	+11.03%	+13.72%	-2.70	87 / 110	Q4
7Y	+11.69%	+17.79%	-6.11	85 / 91	Q4
10Y	+13.36%	+14.89%	-1.53	57 / 76	Q3
Inception	+14.84%	+12.07%	+2.77	107 / 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	-2.88%	+3.40%	-6.28	196 / 244
2025	+16.19%	+4.41%	+11.79	28 / 208
2024	+12.57%	+23.18%	-10.61	133 / 155
2023	+18.08%	+33.51%	-15.43	121 / 127
2022	+12.95%	+4.32%	+8.62	32 / 116
2021	+23.51%	+34.43%	-10.92	79 / 104
2020	-5.12%	+21.19%	-26.31	90 / 94
2019	+14.78%	+9.30%	+5.48	20 / 85
2018	+1.38%	-5.36%	+6.73	20 / 77
2017	+46.75%	+35.61%	+11.14	15 / 76
2016	+21.70%	+4.98%	+16.71	4 / 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

+19.68%

153 windows

min -41.7% · max 95.5%

80% positive

3-Year rolling

+16.51%

129 windows

min -9.9% · max 38.1%

94% positive

5-Year rolling

+15.45%

105 windows

min 2.2% · max 31.8%

100% positive

7-Year rolling

+14.14%

80 windows

min 9.0% · max 22.5%

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

12.88%

3-year · annualised

Sharpe ratio

0.40

vs risk-free 6.5%

Sortino ratio

0.70

Downside-only deviation

Max drawdown

-17.02%

Jan 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 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	₹152.4700
16 Jul 2026	₹151.1900
15 Jul 2026	₹152.0600
14 Jul 2026	₹151.1400
13 Jul 2026	₹152.6500
10 Jul 2026	₹152.2300
9 Jul 2026	₹149.9000
8 Jul 2026	₹148.7700
7 Jul 2026	₹152.1200
6 Jul 2026	₹152.1900

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 ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth is ₹152.4700. It's a Sectoral/Thematic Fund from ICICI Prudential, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 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.

ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth is managed by ICICI Prudential. 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, ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth has delivered a absolute return of -0.21% — -5.67 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #179 of 235 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth has delivered a CAGR of 11.47% — -4.46 pp behind the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #117 of 148 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth has delivered a CAGR of 11.03% — -2.7 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #87 of 110 in its category — the bottom (Q4) quartile.

₹1 lakh invested in ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹350,344 today — a multiplier of 3.50×, based on the 10-year CAGR of 13.36%. The category average over the same window would have grown ₹1 lakh to ₹400,745.

A ₹10,000 monthly SIP in ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹802,168 today. That's an XIRR (money-weighted annualised return) of 11.56%.

A ₹10,000 monthly SIP for 10 years in ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹2,319,164 (multiplier 1.93×). XIRR: 12.64%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth ranks #87 out of 110 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 13.72%; this fund delivered 11.03%.

The worst peak-to-trough decline ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth has experienced over the last 5-year window is 20.27% — 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, ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth averaged 15.45% (best 31.83%, worst 2.22%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2025, ICICI Prudential Banking and Financial Services Fund - Direct Plan - Growth returned 16.19% — beating the Sectoral/Thematic Fund category average of 4.41% by 11.79 pp. It ranked #28 of 208 in its category that year.

ICICI Prudential 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. ICICI Prudential 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: 20.3%. 5-year CAGR: 11.03%.

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