Should I invest in Reliance Banking Fund?

We don't give personal investment advice. Reliance Banking Fund-Dividend Plan-Dividend 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: 54.1%. 5-year CAGR: 4.69%.

Reliance

Reliance Banking Fund-Dividend Plan-Dividend Option

Latest NAV

₹64.5166

As of

3 Jun 2026

4,963 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	-0.27%	+0.28%	-0.55	107 / 122	Q4
1W	-3.52%	-1.28%	-2.24	118 / 122	Q4
2W	-1.27%	+0.09%	-1.36	92 / 122	Q4
1M	-2.63%	-0.62%	-2.01	90 / 122	Q3
3M	-7.03%	+1.50%	-8.53	115 / 122	Q4
6M	-14.69%	-2.06%	-12.63	115 / 122	Q4
YTD	-14.79%	-1.85%	-12.95	113 / 122	Q4
1Y	-9.96%	+2.44%	-12.40	108 / 119	Q4
2Y	-2.02%	+3.47%	-5.49	90 / 116	Q4
3Y	+3.80%	+14.90%	-11.09	105 / 112	Q4
4Y	+6.62%	+14.65%	-8.03	95 / 105	Q4
5Y	+4.69%	+12.36%	-7.67	97 / 104	Q4
7Y	+2.55%	+13.76%	-11.21	98 / 99	Q4
10Y	+4.24%	+11.67%	-7.43	90 / 93	Q4
Inception	+6.98%	+10.81%	-3.83	94 / 122	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	-14.79%	-2.01%	-12.78	109 / 118
2025	+7.64%	+3.20%	+4.44	32 / 115
2024	+1.30%	+19.60%	-18.31	108 / 113
2023	+13.47%	+31.56%	-18.09	102 / 108
2022	+15.67%	+2.19%	+13.48	10 / 104
2021	+20.59%	+32.41%	-11.82	75 / 102
2020	-18.55%	+18.32%	-36.87	100 / 100
2019	-0.06%	+5.50%	-5.56	74 / 97
2018	-11.48%	-10.07%	-1.41	53 / 94
2017	+30.44%	+30.10%	+0.34	49 / 93
2016	-0.78%	-0.25%	-0.53	43 / 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

+11.60%

234 windows

min -51.9% · max 107.0%

62% positive

3-Year rolling

+7.92%

210 windows

min -21.2% · max 36.9%

81% positive

5-Year rolling

+6.62%

185 windows

min -12.8% · max 25.4%

86% positive

7-Year rolling

+5.67%

161 windows

min -4.5% · max 17.1%

94% 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

16.24%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.11

Downside-only deviation

Max drawdown

-54.05%

Jan 2026 → Apr 2026

% positive months

63.9%

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	₹16.8310	3 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.7005	3 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹71.4772	3 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5700	3 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹21.5824	3 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.2801	3 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹67.0980	3 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.3200	3 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹382.6597	3 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹62.7500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹64.5166
2 Jun 2026	₹64.6003
1 Jun 2026	₹64.7722
29 May 2026	₹65.6409
27 May 2026	₹66.5994
26 May 2026	₹66.9569
25 May 2026	₹67.1444
22 May 2026	₹65.9164
21 May 2026	₹65.4110
20 May 2026	₹65.4688

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 Reliance Banking Fund-Dividend Plan-Dividend Option is ₹64.5166. 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.

Reliance Banking Fund-Dividend Plan-Dividend Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 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.

Reliance Banking Fund-Dividend Plan-Dividend 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, Reliance Banking Fund-Dividend Plan-Dividend Option has delivered a absolute return of -9.96% — -12.4 pp behind the Sectoral/Thematic Fund category average of 2.44%. The fund ranks #108 of 119 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Reliance Banking Fund-Dividend Plan-Dividend Option has delivered a CAGR of 3.80% — -11.09 pp behind the Sectoral/Thematic Fund category average of 14.90%. The fund ranks #105 of 112 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Reliance Banking Fund-Dividend Plan-Dividend Option has delivered a CAGR of 4.69% — -7.67 pp behind the Sectoral/Thematic Fund category average of 12.36%. The fund ranks #97 of 104 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Reliance Banking Fund-Dividend Plan-Dividend Option exactly 10 years ago would be worth approximately ₹151,446 today — a multiplier of 1.51×, based on the 10-year CAGR of 4.24%. The category average over the same window would have grown ₹1 lakh to ₹301,430.

A ₹10,000 monthly SIP in Reliance Banking Fund-Dividend Plan-Dividend Option over the last 5 years — total invested ₹600,000 — would be worth ₹631,212 today. That's an XIRR (money-weighted annualised return) of 2.00%.

A ₹10,000 monthly SIP for 10 years in Reliance Banking Fund-Dividend Plan-Dividend Option = ₹1,200,000 invested. It would currently be worth ₹1,469,065 (multiplier 1.22×). XIRR: 3.96%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Reliance Banking Fund-Dividend Plan-Dividend Option ranks #97 out of 104 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 12.36%; this fund delivered 4.69%.

The worst peak-to-trough decline Reliance Banking Fund-Dividend Plan-Dividend Option has experienced over the last 5-year window is 54.05% — its NAV fell from a high on 06 Jan 2026 to a low on 01 Apr 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, Reliance Banking Fund-Dividend Plan-Dividend Option averaged 6.62% (best 25.37%, worst -12.79%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is 0.00 — weak risk-adjusted performance.

In calendar year 2025, Reliance Banking Fund-Dividend Plan-Dividend Option returned 7.64% — beating the Sectoral/Thematic Fund category average of 3.20% by 4.44 pp. It ranked #32 of 115 in its category that year.

Reliance Banking Fund-Dividend Plan-Dividend 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. Reliance Banking Fund-Dividend Plan-Dividend 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: 54.1%. 5-year CAGR: 4.69%.

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