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

We don't give personal investment advice. Nippon India Banking & Financial Services Fund-Growth Plan-Bonus 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: 19.1%. 5-year CAGR: 13.32%.

Reliance

Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option

Latest NAV

₹635.0967

As of

24 Jul 2026

4,999 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	-0.18%	-0.24%	+0.07	50 / 122	Q2
1W	-3.56%	-1.20%	-2.35	118 / 122	Q4
2W	-3.71%	-1.38%	-2.33	117 / 122	Q4
1M	-2.17%	-0.33%	-1.84	93 / 122	Q4
3M	+0.41%	+2.77%	-2.37	88 / 122	Q3
6M	-1.26%	+4.75%	-6.01	97 / 122	Q4
YTD	-4.02%	+0.21%	-4.23	85 / 122	Q3
1Y	-0.60%	+1.48%	-2.08	74 / 120	Q3
2Y	+6.12%	+1.54%	+4.58	29 / 116	Q1
3Y	+11.54%	+13.01%	-1.47	61 / 114	Q3
4Y	+15.49%	+14.55%	+0.94	48 / 106	Q2
5Y	+13.32%	+11.72%	+1.60	38 / 104	Q2
7Y	+12.71%	+14.88%	-2.17	65 / 99	Q3
10Y	+12.84%	+11.23%	+1.61	36 / 93	Q2
Inception	+15.84%	+10.97%	+4.87	16 / 122	Q1

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	-4.02%	+0.11%	-4.13	81 / 118
2025	+16.84%	+3.20%	+13.64	12 / 115
2024	+10.06%	+19.60%	-9.54	91 / 113
2023	+23.63%	+31.56%	-7.92	80 / 108
2022	+20.70%	+2.19%	+18.51	2 / 104
2021	+29.01%	+32.41%	-3.40	55 / 102
2020	-10.76%	+18.32%	-29.08	98 / 100
2019	+9.82%	+5.50%	+4.32	24 / 97
2018	-0.92%	-10.07%	+9.15	19 / 94
2017	+44.61%	+30.10%	+14.51	10 / 93
2016	+10.42%	-0.25%	+10.67	8 / 93

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

+20.32%

236 windows

min -50.8% · max 137.8%

76% positive

3-Year rolling

+16.77%

211 windows

min -14.8% · max 47.9%

92% positive

5-Year rolling

+15.49%

187 windows

min -3.5% · max 33.5%

98% positive

7-Year rolling

+14.63%

163 windows

min 3.5% · max 25.0%

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

13.89%

3-year · annualised

Sharpe ratio

0.39

vs risk-free 6.5%

Sortino ratio

0.60

Downside-only deviation

Max drawdown

-16.75%

Feb 2026 → Mar 2026

% positive months

66.7%

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	HDFC	₹17.7760	24 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.1441	24 Jul 2026
SBI COMMA Fund - REGULAR PLAN - Growth	SBI	₹114.8349	24 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5800	24 Jul 2026
Franklin Asian Equity Fund - Growth Plan	Franklin Templeton	₹43.3220	24 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.3942	24 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.1110	24 Jul 2026
CANARA ROBECO INFRASTRUCTURE FUND - REGULAR PLAN - GROWTH OPTION	Canara Robeco	₹166.1100	24 Jul 2026
UTI - MNC Fund - Regular Plan - Growth Option	UTI	₹392.8627	24 Jul 2026
Aditya Birla Sun Life Consumption Fund -Regular - IDCW	Birla Sun Life	₹35.4300	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹635.0967
23 Jul 2026	₹636.2172
22 Jul 2026	₹641.7347
21 Jul 2026	₹651.2624
20 Jul 2026	₹650.7104
17 Jul 2026	₹658.5274
16 Jul 2026	₹653.2882
15 Jul 2026	₹658.3896
14 Jul 2026	₹654.9997
13 Jul 2026	₹661.4423

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 24 Jul 2026, the NAV of Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option is ₹635.0967. It's a Sectoral/Thematic Fund from Reliance, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option is managed by Reliance. 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-Growth Plan-Bonus Option has delivered a absolute return of -0.60% — -2.08 pp behind the Sectoral/Thematic Fund category average of 1.48%. The fund ranks #74 of 120 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option has delivered a CAGR of 11.54% — -1.47 pp behind the Sectoral/Thematic Fund category average of 13.01%. The fund ranks #61 of 114 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option has delivered a CAGR of 13.32% — +1.6 pp ahead of the Sectoral/Thematic Fund category average of 11.72%. The fund ranks #38 of 104 in its category — the second (Q2) quartile.

₹1 lakh invested in Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option exactly 10 years ago would be worth approximately ₹334,705 today — a multiplier of 3.35×, based on the 10-year CAGR of 12.84%. The category average over the same window would have grown ₹1 lakh to ₹289,792.

A ₹10,000 monthly SIP in Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹820,781 today. That's an XIRR (money-weighted annualised return) of 12.48%.

A ₹10,000 monthly SIP for 10 years in Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option = ₹1,200,000 invested. It would currently be worth ₹2,410,810 (multiplier 2.01×). XIRR: 13.37%. 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-Growth Plan-Bonus Option ranks #38 out of 104 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 11.72%; this fund delivered 13.32%.

The worst peak-to-trough decline Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option has experienced over the last 5-year window is 19.15% — 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, Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option averaged 15.49% (best 33.47%, worst -3.46%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.48 — weak risk-adjusted performance.

In calendar year 2025, Nippon India Banking & Financial Services Fund-Growth Plan-Bonus Option returned 16.84% — beating the Sectoral/Thematic Fund category average of 3.20% by 13.64 pp. It ranked #12 of 115 in its category that year.

Nippon India Banking & Financial Services Fund-Growth Plan-Bonus 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-Growth Plan-Bonus 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: 19.1%. 5-year CAGR: 13.32%.

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