Should I invest in SBI BANKING & FINANCIAL SERVICES FUND?

We don't give personal investment advice. SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH 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: 21.7%. 5-year CAGR: 12.75%.

SBI

SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH

Latest NAV

₹46.9781

As of

3 Jun 2026

2,777 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	-0.23%	+0.27%	-0.50	213 / 258	Q4
1W	-3.09%	-1.34%	-1.75	237 / 258	Q4
2W	-1.15%	+0.04%	-1.18	203 / 259	Q4
1M	-2.94%	-0.39%	-2.56	226 / 259	Q4
3M	-8.65%	+2.19%	-10.85	255 / 257	Q4
6M	-7.93%	-1.09%	-6.84	203 / 247	Q4
YTD	-8.92%	-1.30%	-7.62	218 / 247	Q4
1Y	+1.77%	+5.02%	-3.25	128 / 230	Q3
2Y	+8.45%	+5.50%	+2.95	44 / 182	Q1
3Y	+16.60%	+16.94%	-0.33	72 / 139	Q3
4Y	+17.17%	+16.57%	+0.60	55 / 119	Q2
5Y	+12.75%	+13.73%	-0.98	66 / 109	Q3
7Y	+12.97%	+16.42%	-3.45	68 / 91	Q3
10Y	+16.11%	+15.07%	+1.04	30 / 76	Q2
Inception	+14.49%	+10.45%	+4.04	103 / 259	Q2

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	-8.92%	-0.94%	-7.99	216 / 244
2025	+21.02%	+4.41%	+16.62	9 / 208
2024	+20.44%	+23.18%	-2.74	89 / 155
2023	+19.65%	+33.51%	-13.86	120 / 127
2022	+14.87%	+4.32%	+10.55	27 / 116
2021	+13.18%	+34.43%	-21.25	97 / 104
2020	+6.10%	+21.19%	-15.09	72 / 94
2019	+21.20%	+9.30%	+11.90	13 / 85
2018	+11.60%	-5.36%	+16.96	6 / 77
2017	+42.69%	+35.61%	+7.09	26 / 76
2016	+17.04%	+4.98%	+12.06	8 / 76

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

+18.98%

125 windows

min -32.3% · max 80.4%

90% positive

3-Year rolling

+16.78%

101 windows

min -1.2% · max 30.8%

99% positive

5-Year rolling

+15.92%

77 windows

min 5.1% · max 25.8%

100% positive

7-Year rolling

+16.01%

52 windows

min 13.0% · max 19.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

13.17%

3-year · annualised

Sharpe ratio

0.75

vs risk-free 6.5%

Sortino ratio

1.15

Downside-only deviation

Max drawdown

-16.06%

Feb 2026 → Mar 2026

% positive months

69.4%

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 - Direct Plan	HDFC	₹18.0340	3 Jun 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹12.1791	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Growth	SBI	₹11.7563	3 Jun 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.6800	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹13.3000	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹20.2506	3 Jun 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹23.5100	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹66.7400	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.3284	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹46.9781
2 Jun 2026	₹46.9297
1 Jun 2026	₹47.0365
31 May 2026	₹47.7294
29 May 2026	₹47.7309
27 May 2026	₹48.2813
26 May 2026	₹48.4261
25 May 2026	₹48.7449
22 May 2026	₹47.8700
21 May 2026	₹47.5389

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 SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH is ₹46.9781. It's a Sectoral/Thematic Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH has NAV history starting from 05 Mar 2015, a track record of about 11 years 2 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.

SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH is managed by SBI. 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, SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH has delivered a absolute return of 1.77% — -3.25 pp behind the Sectoral/Thematic Fund category average of 5.02%. The fund ranks #128 of 230 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 16.60% — -0.33 pp behind the Sectoral/Thematic Fund category average of 16.94%. The fund ranks #72 of 139 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 12.75% — -0.98 pp behind the Sectoral/Thematic Fund category average of 13.73%. The fund ranks #66 of 109 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH exactly 10 years ago would be worth approximately ₹445,368 today — a multiplier of 4.45×, based on the 10-year CAGR of 16.11%. The category average over the same window would have grown ₹1 lakh to ₹407,181.

A ₹10,000 monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹843,538 today. That's an XIRR (money-weighted annualised return) of 13.58%.

A ₹10,000 monthly SIP for 10 years in SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH = ₹1,200,000 invested. It would currently be worth ₹2,621,191 (multiplier 2.18×). XIRR: 14.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH ranks #66 out of 109 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 13.73%; this fund delivered 12.75%.

The worst peak-to-trough decline SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH has experienced over the last 5-year window is 21.69% — its NAV fell from a high on 26 Oct 2021 to a low on 07 Mar 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, SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH averaged 15.92% (best 25.76%, worst 5.15%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.46 — weak risk-adjusted performance.

In calendar year 2025, SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH returned 21.02% — beating the Sectoral/Thematic Fund category average of 4.41% by 16.62 pp. It ranked #9 of 208 in its category that year.

SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH 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. SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH 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: 21.7%. 5-year CAGR: 12.75%.

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