Should I invest in Reliance Banking Fund?

We don't give personal investment advice. Reliance Banking Fund-Growth 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. Worst 5-year drawdown: 19.1%. 5-year CAGR: 12.76%.

Reliance

Reliance Banking Fund-Growth Plan-Growth Option

Latest NAV

₹608.4732

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	106 / 122	Q4
1W	-3.52%	-1.28%	-2.24	117 / 122	Q4
2W	-1.27%	+0.09%	-1.36	94 / 122	Q4
1M	-2.63%	-0.62%	-2.01	92 / 122	Q4
3M	-7.03%	+1.50%	-8.53	114 / 122	Q4
6M	-7.81%	-2.06%	-5.75	89 / 122	Q3
YTD	-7.92%	-1.85%	-6.07	90 / 122	Q3
1Y	-2.70%	+2.44%	-5.14	77 / 119	Q3
2Y	+6.12%	+3.47%	+2.65	32 / 116	Q2
3Y	+12.55%	+14.90%	-2.35	71 / 112	Q3
4Y	+15.74%	+14.65%	+1.09	46 / 105	Q2
5Y	+12.76%	+12.36%	+0.39	45 / 104	Q2
7Y	+10.61%	+13.76%	-3.14	74 / 99	Q3
10Y	+13.37%	+11.67%	+1.70	35 / 93	Q2
Inception	+15.72%	+10.81%	+4.92	19 / 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	-7.92%	-2.01%	-5.91	86 / 118
2025	+16.84%	+3.20%	+13.64	13 / 115
2024	+10.06%	+19.60%	-9.54	92 / 113
2023	+23.63%	+31.56%	-7.92	81 / 108
2022	+20.70%	+2.19%	+18.51	3 / 104
2021	+29.01%	+32.41%	-3.40	56 / 102
2020	-10.76%	+18.32%	-29.08	99 / 100
2019	+9.82%	+5.50%	+4.32	25 / 97
2018	-0.92%	-10.07%	+9.15	20 / 94
2017	+44.61%	+30.10%	+14.51	11 / 93
2016	+10.42%	-0.25%	+10.67	9 / 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

+20.97%

234 windows

min -47.3% · max 123.3%

76% positive

3-Year rolling

+16.59%

210 windows

min -13.0% · max 43.5%

92% positive

5-Year rolling

+15.39%

185 windows

min -3.5% · max 33.8%

99% positive

7-Year rolling

+14.71%

161 windows

min 5.5% · 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

13.44%

3-year · annualised

Sharpe ratio

0.47

vs risk-free 6.5%

Sortino ratio

0.72

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	₹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	₹608.4732
2 Jun 2026	₹609.2629
1 Jun 2026	₹610.8835
29 May 2026	₹619.0768
27 May 2026	₹628.1171
26 May 2026	₹631.4880
25 May 2026	₹633.2568
22 May 2026	₹621.6750
21 May 2026	₹616.9084
20 May 2026	₹617.4534

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-Growth Plan-Growth Option is ₹608.4732. 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-Growth 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-Growth Plan-Growth 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-Growth Option has delivered a absolute return of -2.70% — -5.14 pp behind the Sectoral/Thematic Fund category average of 2.44%. The fund ranks #77 of 119 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Reliance Banking Fund-Growth Plan-Growth Option has delivered a CAGR of 12.55% — -2.35 pp behind the Sectoral/Thematic Fund category average of 14.90%. The fund ranks #71 of 112 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Reliance Banking Fund-Growth Plan-Growth Option has delivered a CAGR of 12.76% — +0.39 pp ahead of the Sectoral/Thematic Fund category average of 12.36%. The fund ranks #45 of 104 in its category — the second (Q2) quartile.

₹1 lakh invested in Reliance Banking Fund-Growth Plan-Growth Option exactly 10 years ago would be worth approximately ₹350,712 today — a multiplier of 3.51×, based on the 10-year CAGR of 13.37%. The category average over the same window would have grown ₹1 lakh to ₹301,430.

A ₹10,000 monthly SIP in Reliance Banking Fund-Growth Plan-Growth Option over the last 5 years — total invested ₹600,000 — would be worth ₹798,050 today. That's an XIRR (money-weighted annualised return) of 11.35%.

A ₹10,000 monthly SIP for 10 years in Reliance Banking Fund-Growth Plan-Growth Option = ₹1,200,000 invested. It would currently be worth ₹2,333,262 (multiplier 1.94×). XIRR: 12.76%. 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-Growth Option ranks #45 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 12.36%; this fund delivered 12.76%.

The worst peak-to-trough decline Reliance Banking Fund-Growth Plan-Growth 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-Growth Option averaged 15.39% (best 33.77%, worst -3.46%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, Reliance Banking Fund-Growth Plan-Growth Option returned 16.84% — beating the Sectoral/Thematic Fund category average of 3.20% by 13.64 pp. It ranked #13 of 115 in its category that year.

Reliance Banking Fund-Growth 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. Reliance Banking Fund-Growth 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. Worst 5-year drawdown: 19.1%. 5-year CAGR: 12.76%.

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