Should I invest in ITI Pharma and Healthcare Fund?

We don't give personal investment advice. ITI Pharma and Healthcare Fund - Regular Plan - Growth 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 Pharma and Healthcare Fund - Regular Plan - Growth Option

Latest NAV

₹17.4542

As of

17 Jul 2026

1,152 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	-1.18%	-0.07%	-1.11	168 / 175	Q4
1W	-0.54%	-0.23%	-0.31	128 / 175	Q3
2W	-0.94%	-0.28%	-0.66	161 / 176	Q4
1M	+5.33%	+1.47%	+3.86	20 / 176	Q1
3M	+12.59%	+4.83%	+7.76	21 / 176	Q1
6M	+13.87%	+4.22%	+9.66	22 / 168	Q1
YTD	+11.58%	+2.36%	+9.22	19 / 165	Q1
1Y	+3.63%	+4.18%	-0.56	76 / 155	Q2
2Y	+8.63%	+2.32%	+6.31	19 / 111	Q1
3Y	+18.69%	+13.55%	+5.13	20 / 74	Q2
4Y	+17.70%	+14.92%	+2.78	21 / 55	Q2
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+12.63%	+9.09%	+3.53	70 / 176	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	+11.58%	+2.99%	+8.59	19 / 164
2025	-10.50%	+1.66%	-12.16	126 / 133
2024	+40.92%	+21.92%	+18.99	2 / 82
2023	+32.42%	+31.01%	+1.41	23 / 59
2022	-8.68%	+2.36%	-11.04	42 / 52
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

+17.61%

45 windows

min -8.4% · max 56.9%

73% positive

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

3-Year rolling

+19.92%

21 windows

min 17.3% · max 23.0%

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

13.31%

3-year · annualised

Sharpe ratio

0.86

vs risk-free 6.5%

Sortino ratio

1.74

Downside-only deviation

Max drawdown

-17.64%

Jan 2025 → Jan 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 Banking and Financial Services Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹64.3300	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	₹17.4542
16 Jul 2026	₹17.6626
15 Jul 2026	₹17.6614
14 Jul 2026	₹17.5987
13 Jul 2026	₹17.5009
10 Jul 2026	₹17.5488
9 Jul 2026	₹17.4987
8 Jul 2026	₹17.2691
7 Jul 2026	₹17.4827
6 Jul 2026	₹17.6285

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 ITI Pharma and Healthcare Fund - Regular Plan - Growth Option is ₹17.4542. It's a Sectoral/Thematic Fund from ITI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

ITI Pharma and Healthcare Fund - Regular Plan - Growth Option has NAV history starting from 11 Nov 2021, a track record of about 4 years 8 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 Pharma and Healthcare Fund - Regular Plan - Growth 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 Pharma and Healthcare Fund - Regular Plan - Growth Option has delivered a absolute return of 3.63% — -0.56 pp behind the Sectoral/Thematic Fund category average of 4.18%. The fund ranks #76 of 155 in its category — the second (Q2) quartile.

Over the trailing 3-year window, ITI Pharma and Healthcare Fund - Regular Plan - Growth Option has delivered a CAGR of 18.69% — +5.13 pp ahead of the Sectoral/Thematic Fund category average of 13.55%. The fund ranks #20 of 74 in its category — the second (Q2) quartile.

ITI Pharma and Healthcare Fund - Regular Plan - Growth 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 Pharma and Healthcare Fund - Regular Plan - Growth Option exactly 3 years ago would be worth approximately ₹167,194 today — a multiplier of 1.67×, based on the 3-year CAGR of 18.69%. The category average over the same window would have grown ₹1 lakh to ₹146,422.

A ₹10,000 monthly SIP in ITI Pharma and Healthcare Fund - Regular Plan - Growth Option over the last 3 years — total invested ₹360,000 — would be worth ₹433,751 today. That's an XIRR (money-weighted annualised return) of 12.48%.

ITI Pharma and Healthcare Fund - Regular Plan - Growth Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹433,751 — XIRR 12.48%.

On a 3-year basis, ITI Pharma and Healthcare Fund - Regular Plan - Growth Option ranks #20 out of 74 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 13.55%; this fund delivered 18.69%.

The worst peak-to-trough decline ITI Pharma and Healthcare Fund - Regular Plan - Growth Option has experienced over the last 3-year window is 17.64% — its NAV fell from a high on 02 Jan 2025 to a low on 29 Jan 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 Pharma and Healthcare Fund - Regular Plan - Growth Option averaged 19.92% (best 23.01%, worst 17.27%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.86 — reasonable risk-adjusted performance.

In calendar year 2025, ITI Pharma and Healthcare Fund - Regular Plan - Growth Option returned -10.50% — lagging the Sectoral/Thematic Fund category average of 1.66% by 12.16 pp. It ranked #126 of 133 in its category that year.

ITI Pharma and Healthcare Fund - Regular Plan - Growth 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 Pharma and Healthcare Fund - Regular Plan - Growth 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.