Should I invest in ITI Banking and Financial Services Fund?

We don't give personal investment advice. ITI Banking and Financial Services Fund - Direct Plan - IDCW Option 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.

ITI

ITI Banking and Financial Services Fund - Direct Plan - IDCW Option

Latest NAV

₹15.4980

As of

3 Jun 2026

1,103 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	-0.31%	+0.27%	-0.58	217 / 249	Q4
1W	-3.25%	-1.33%	-1.92	234 / 249	Q4
2W	-1.00%	-0.44%	-0.57	188 / 251	Q3
1M	-2.95%	-0.98%	-1.97	217 / 251	Q4
3M	-6.62%	+0.91%	-7.53	220 / 249	Q4
6M	-11.51%	-3.35%	-8.15	203 / 241	Q4
YTD	-12.16%	-3.40%	-8.76	208 / 241	Q4
1Y	-3.00%	+2.11%	-5.11	163 / 225	Q3
2Y	+4.75%	+1.79%	+2.96	60 / 181	Q2
3Y	+10.33%	+12.30%	-1.97	94 / 142	Q3
4Y	+12.70%	+11.74%	+0.96	66 / 122	Q3
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.45%	+8.52%	+0.93	134 / 251	Q3

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	-12.16%	-2.64%	-9.52	206 / 237
2025	+22.08%	+1.49%	+20.59	5 / 204
2024	+8.76%	+20.10%	-11.34	139 / 158
2023	+16.37%	+30.21%	-13.84	121 / 131
2022	+11.83%	+1.48%	+10.35	27 / 119
2021	—	—	—	—

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

+15.08%

43 windows

min -3.0% · max 31.8%

95% positive

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

3-Year rolling

+14.73%

19 windows

min 10.3% · max 19.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

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

13.88%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.49

Downside-only deviation

Max drawdown

-20.09%

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 - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹15.4980
2 Jun 2026	₹15.4601
1 Jun 2026	₹15.5083
29 May 2026	₹15.6976
27 May 2026	₹15.9207
26 May 2026	₹15.9792
25 May 2026	₹16.0194
22 May 2026	₹15.7126
21 May 2026	₹15.6038
20 May 2026	₹15.6261

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 ITI Banking and Financial Services Fund - Direct Plan - IDCW Option is ₹15.4980. It's a Sectoral/Thematic Fund from ITI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

ITI Banking and Financial Services Fund - Direct Plan - IDCW Option has NAV history starting from 08 Dec 2021, a track record of about 4 years 5 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.

ITI Banking and Financial Services Fund - Direct Plan - IDCW Option is managed by ITI. 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, ITI Banking and Financial Services Fund - Direct Plan - IDCW Option has delivered a absolute return of -3.00% — -5.11 pp behind the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #163 of 225 in its category — the third (Q3) quartile.

Over the trailing 3-year window, ITI Banking and Financial Services Fund - Direct Plan - IDCW Option has delivered a CAGR of 10.33% — -1.97 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #94 of 142 in its category — the third (Q3) quartile.

ITI Banking and Financial Services Fund - Direct Plan - IDCW Option 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 ITI Banking and Financial Services Fund - Direct Plan - IDCW Option exactly 3 years ago would be worth approximately ₹134,301 today — a multiplier of 1.34×, based on the 3-year CAGR of 10.33%. The category average over the same window would have grown ₹1 lakh to ₹141,640.

A ₹10,000 monthly SIP in ITI Banking and Financial Services Fund - Direct Plan - IDCW Option over the last 3 years — total invested ₹360,000 — would be worth ₹388,512 today. That's an XIRR (money-weighted annualised return) of 5.01%.

ITI Banking and Financial Services Fund - Direct Plan - IDCW Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹388,512 — XIRR 5.01%.

On a 3-year basis, ITI Banking and Financial Services Fund - Direct Plan - IDCW Option ranks #94 out of 142 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 12.30%; this fund delivered 10.33%.

The worst peak-to-trough decline ITI Banking and Financial Services Fund - Direct Plan - IDCW Option has experienced over the last 3-year window is 20.09% — its NAV fell from a high on 06 Jan 2026 to a low on 31 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, ITI Banking and Financial Services Fund - Direct Plan - IDCW Option averaged 14.73% (best 19.78%, worst 10.33%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.31 — weak risk-adjusted performance.

In calendar year 2025, ITI Banking and Financial Services Fund - Direct Plan - IDCW Option returned 22.08% — beating the Sectoral/Thematic Fund category average of 1.49% by 20.59 pp. It ranked #5 of 204 in its category that year.

ITI Banking and Financial Services Fund - Direct Plan - IDCW Option 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. ITI Banking and Financial Services Fund - Direct Plan - IDCW Option 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.