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: 14.49%.

SBI

SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH

Latest NAV

₹50.2927

As of

17 Jul 2026

2,808 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	+1.00%	-0.05%	+1.05	13 / 258	Q1
1W	+0.31%	-0.18%	+0.49	50 / 258	Q1
2W	+0.41%	-0.17%	+0.58	99 / 259	Q2
1M	+1.84%	+1.63%	+0.22	140 / 259	Q3
3M	+1.04%	+4.83%	-3.79	208 / 259	Q4
6M	-2.76%	+4.61%	-7.36	221 / 250	Q4
YTD	-2.39%	+2.98%	-5.38	191 / 247	Q4
1Y	+4.48%	+5.46%	-0.98	118 / 235	Q3
2Y	+10.18%	+4.09%	+6.09	32 / 187	Q1
3Y	+17.20%	+15.93%	+1.28	69 / 148	Q2
4Y	+18.75%	+17.58%	+1.16	59 / 121	Q2
5Y	+14.49%	+13.72%	+0.76	57 / 110	Q3
7Y	+14.83%	+17.79%	-2.96	64 / 91	Q3
10Y	+16.33%	+14.89%	+1.44	24 / 76	Q2
Inception	+15.02%	+12.07%	+2.95	101 / 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	-2.39%	+3.40%	-5.79	189 / 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

+18.82%

127 windows

min -34.0% · max 70.4%

87% positive

3-Year rolling

+17.13%

103 windows

min -1.7% · max 28.9%

99% positive

5-Year rolling

+16.11%

78 windows

min 6.3% · max 28.6%

100% positive

7-Year rolling

+16.00%

54 windows

min 13.3% · max 18.7%

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

13.77%

3-year · annualised

Sharpe ratio

0.74

vs risk-free 6.5%

Sortino ratio

1.36

Downside-only deviation

Max drawdown

-16.06%

Feb 2026 → Mar 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 - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹50.2927
16 Jul 2026	₹49.7948
15 Jul 2026	₹49.9675
14 Jul 2026	₹49.5301
13 Jul 2026	₹50.1886
10 Jul 2026	₹50.1362
9 Jul 2026	₹49.4231
8 Jul 2026	₹49.1102
7 Jul 2026	₹50.3909
6 Jul 2026	₹50.3707

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 SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH is ₹50.2927. 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 4 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 4.48% — -0.98 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #118 of 235 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 17.20% — +1.28 pp ahead of the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #69 of 148 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 14.49% — +0.76 pp ahead of the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #57 of 110 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 ₹453,980 today — a multiplier of 4.54×, based on the 10-year CAGR of 16.33%. The category average over the same window would have grown ₹1 lakh to ₹400,745.

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 ₹888,848 today. That's an XIRR (money-weighted annualised return) of 15.71%.

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 ₹2,755,471 (multiplier 2.30×). XIRR: 15.86%. 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 #57 out of 110 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 13.72%; this fund delivered 14.49%.

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 16.11% (best 28.64%, worst 6.30%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.53 — reasonable 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: 14.49%.

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