Should I invest in Nippon India Banking & Financial Services Fund?

We don't give personal investment advice. Nippon India Banking & 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. Worst 5-year drawdown: 22.0%. 5-year CAGR: 8.43%.

Nippon India

Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option

Latest NAV

₹105.4061

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	+0.80%	-0.04%	+0.84	27 / 249	Q1
1W	-0.14%	-0.15%	+0.01	122 / 249	Q2
2W	+0.39%	-0.61%	+1.01	103 / 251	Q2
1M	+3.04%	+1.14%	+1.90	75 / 251	Q2
3M	+3.00%	+3.90%	-0.89	154 / 251	Q3
6M	-8.07%	+2.59%	-10.66	220 / 243	Q4
YTD	-7.26%	+0.68%	-7.94	208 / 241	Q4
1Y	-3.52%	+2.39%	-5.91	177 / 229	Q4
2Y	+0.63%	+0.44%	+0.19	88 / 186	Q2
3Y	+6.86%	+11.53%	-4.67	118 / 151	Q4
4Y	+11.10%	+12.75%	-1.66	86 / 125	Q3
5Y	+8.43%	+9.05%	-0.62	73 / 113	Q3
7Y	+7.18%	+14.43%	-7.25	84 / 92	Q4
10Y	+6.89%	+11.87%	-4.98	67 / 77	Q4
Inception	+6.55%	+10.06%	-3.51	190 / 251	Q4

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	-7.26%	+1.51%	-8.77	206 / 237
2025	+9.80%	+1.49%	+8.32	36 / 204
2024	+4.74%	+20.10%	-15.36	149 / 158
2023	+17.14%	+30.21%	-13.06	117 / 131
2022	+18.00%	+1.48%	+16.51	10 / 119
2021	+23.51%	+31.54%	-8.03	71 / 106
2020	-16.21%	+19.90%	-36.11	95 / 95
2019	+2.59%	+6.43%	-3.84	55 / 87
2018	-8.94%	-9.17%	+0.23	40 / 78
2017	+33.78%	+32.45%	+1.33	35 / 77
2016	+1.54%	+2.96%	-1.42	40 / 77

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

+11.39%

153 windows

min -51.0% · max 94.3%

71% positive

3-Year rolling

+8.17%

129 windows

min -20.2% · max 31.4%

89% positive

5-Year rolling

+7.15%

105 windows

min -10.2% · max 26.9%

90% positive

7-Year rolling

+5.62%

80 windows

min -4.0% · max 9.9%

98% 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

15.85%

3-year · annualised

Sharpe ratio

0.08

vs risk-free 6.5%

Sortino ratio

0.13

Downside-only deviation

Max drawdown

-21.98%

Jan 2026 → Mar 2026

% positive months

58.3%

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	₹17.4480	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹30.5463	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.5864	17 Jul 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹70.0600	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹14.5200	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹22.0968	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹32.1000	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.5239	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹105.4061
16 Jul 2026	₹104.5651
15 Jul 2026	₹105.3793
14 Jul 2026	₹104.8343
13 Jul 2026	₹105.8631
10 Jul 2026	₹105.5585
9 Jul 2026	₹104.0010
8 Jul 2026	₹103.0886
7 Jul 2026	₹105.5386
6 Jul 2026	₹105.5216

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 Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option is ₹105.4061. It's a Sectoral/Thematic Fund from Nippon India, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option 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.

Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option is managed by Nippon India. 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, Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option has delivered a absolute return of -3.52% — -5.91 pp behind the Sectoral/Thematic Fund category average of 2.39%. The fund ranks #177 of 229 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option has delivered a CAGR of 6.86% — -4.67 pp behind the Sectoral/Thematic Fund category average of 11.53%. The fund ranks #118 of 151 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option has delivered a CAGR of 8.43% — -0.62 pp behind the Sectoral/Thematic Fund category average of 9.05%. The fund ranks #73 of 113 in its category — the third (Q3) quartile.

₹1 lakh invested in Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option exactly 10 years ago would be worth approximately ₹194,629 today — a multiplier of 1.95×, based on the 10-year CAGR of 6.89%. The category average over the same window would have grown ₹1 lakh to ₹306,966.

A ₹10,000 monthly SIP in Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option over the last 5 years — total invested ₹600,000 — would be worth ₹718,023 today. That's an XIRR (money-weighted annualised return) of 7.11%.

A ₹10,000 monthly SIP for 10 years in Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option = ₹1,200,000 invested. It would currently be worth ₹1,803,847 (multiplier 1.50×). XIRR: 7.90%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option ranks #73 out of 113 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 9.05%; this fund delivered 8.43%.

The worst peak-to-trough decline Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option has experienced over the last 5-year window is 21.98% — 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 5-year rolling windows, Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option averaged 7.15% (best 26.95%, worst -10.21%). 90% of rolling windows ended positive. The 5-year Sharpe ratio is 0.17 — weak risk-adjusted performance.

In calendar year 2025, Nippon India Banking & Financial Services Fund- DIRECT Plan - IDCW Option returned 9.80% — beating the Sectoral/Thematic Fund category average of 1.49% by 8.32 pp. It ranked #36 of 204 in its category that year.

Nippon India Banking & 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. Nippon India Banking & 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. Worst 5-year drawdown: 22.0%. 5-year CAGR: 8.43%.

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