Should I invest in Reliance Banking Fund?

We don't give personal investment advice. Reliance Banking 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: 14.12%.

Reliance

Reliance Banking Fund-Growth Plan-Bonus Option

Latest NAV

₹658.5274

As of

17 Jul 2026

4,994 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%	-0.07%	+0.87	11 / 122	Q1
1W	-0.16%	-0.15%	-0.01	53 / 122	Q2
2W	+0.36%	-0.13%	+0.49	38 / 122	Q2
1M	+2.97%	+1.33%	+1.64	22 / 122	Q1
3M	+2.80%	+3.32%	-0.53	64 / 122	Q3
6M	-1.31%	+2.87%	-4.17	88 / 122	Q3
YTD	-0.48%	+1.43%	-1.90	68 / 122	Q3
1Y	+3.13%	+2.53%	+0.60	52 / 120	Q2
2Y	+7.33%	+1.69%	+5.65	23 / 116	Q1
3Y	+13.41%	+13.72%	-0.31	54 / 114	Q2
4Y	+17.72%	+15.46%	+2.26	39 / 106	Q2
5Y	+14.12%	+12.16%	+1.95	37 / 104	Q2
7Y	+12.88%	+15.00%	-2.12	65 / 99	Q3
10Y	+13.40%	+11.50%	+1.90	33 / 93	Q2
Inception	+16.06%	+11.17%	+4.90	17 / 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	-0.48%	+1.37%	-1.85	65 / 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

+20.70%

236 windows

min -47.8% · max 140.4%

76% positive

3-Year rolling

+16.82%

211 windows

min -14.3% · max 45.2%

92% positive

5-Year rolling

+15.51%

187 windows

min -3.2% · max 33.0%

99% positive

7-Year rolling

+14.74%

163 windows

min 3.5% · max 24.7%

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

14.02%

3-year · annualised

Sharpe ratio

0.50

vs risk-free 6.5%

Sortino ratio

0.89

Downside-only deviation

Max drawdown

-16.75%

Feb 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 - Growth Option	HDFC	₹18.4020	17 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.0439	17 Jul 2026
Magnum Equity Fund -Dividend	SBI	₹75.2678	17 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.7400	17 Jul 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹20.5340	17 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.5442	17 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.7640	17 Jul 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.5500	17 Jul 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹397.9086	17 Jul 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹66.3400	17 Jul 2026

Recent NAVs

Date	NAV
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
10 Jul 2026	₹659.5827
9 Jul 2026	₹649.8655
8 Jul 2026	₹644.1788
7 Jul 2026	₹659.5026
6 Jul 2026	₹659.4110

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 Reliance Banking Fund-Growth Plan-Bonus Option is ₹658.5274. 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-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.

Reliance Banking 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, Reliance Banking Fund-Growth Plan-Bonus Option has delivered a absolute return of 3.13% — +0.6 pp ahead of the Sectoral/Thematic Fund category average of 2.53%. The fund ranks #52 of 120 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Reliance Banking Fund-Growth Plan-Bonus Option has delivered a CAGR of 13.41% — -0.31 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #54 of 114 in its category — the second (Q2) quartile.

Over the trailing 5-year window, Reliance Banking Fund-Growth Plan-Bonus Option has delivered a CAGR of 14.12% — +1.95 pp ahead of the Sectoral/Thematic Fund category average of 12.16%. The fund ranks #37 of 104 in its category — the second (Q2) quartile.

₹1 lakh invested in Reliance Banking Fund-Growth Plan-Bonus Option exactly 10 years ago would be worth approximately ₹351,719 today — a multiplier of 3.52×, based on the 10-year CAGR of 13.40%. The category average over the same window would have grown ₹1 lakh to ₹297,061.

A ₹10,000 monthly SIP in Reliance Banking Fund-Growth Plan-Bonus Option over the last 5 years — total invested ₹600,000 — would be worth ₹847,501 today. That's an XIRR (money-weighted annualised return) of 13.78%.

A ₹10,000 monthly SIP for 10 years in Reliance Banking Fund-Growth Plan-Bonus Option = ₹1,200,000 invested. It would currently be worth ₹2,483,674 (multiplier 2.07×). XIRR: 13.93%. 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-Growth Plan-Bonus Option ranks #37 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 12.16%; this fund delivered 14.12%.

The worst peak-to-trough decline Reliance Banking 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, Reliance Banking Fund-Growth Plan-Bonus Option averaged 15.51% (best 32.98%, worst -3.16%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.50 — weak risk-adjusted performance.

In calendar year 2025, Reliance Banking 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.

Reliance Banking 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. Reliance Banking 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: 14.12%.

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