Should I invest in SBI BANKING & FINANCIAL SERVICES FUND?

We don't give personal investment advice. SBI BANKING & FINANCIAL SERVICES FUND - REGULAR 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: 22.0%. 5-year CAGR: 11.50%.

SBI

SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH

Latest NAV

₹41.7012

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	144 / 175	Q4
1W	-3.11%	-1.35%	-1.76	161 / 175	Q4
2W	-1.18%	-0.09%	-1.09	138 / 176	Q4
1M	-3.02%	-0.53%	-2.49	152 / 176	Q4
3M	-8.88%	+2.12%	-11.00	173 / 174	Q4
6M	-8.40%	-1.85%	-6.55	136 / 165	Q4
YTD	-9.30%	-1.98%	-7.33	146 / 165	Q4
1Y	+0.74%	+3.78%	-3.04	85 / 151	Q3
2Y	+7.33%	+3.55%	+3.77	23 / 106	Q1
3Y	+15.36%	+14.41%	+0.96	31 / 67	Q2
4Y	+15.90%	+13.82%	+2.08	23 / 54	Q2
5Y	+11.50%	+10.37%	+1.13	24 / 45	Q3
7Y	+11.71%	+14.79%	-3.09	23 / 32	Q3
10Y	+14.81%	+14.01%	+0.80	10 / 23	Q2
Inception	+13.28%	+7.02%	+6.27	57 / 176	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	-9.30%	-1.38%	-7.92	146 / 164
2025	+19.79%	+1.66%	+18.13	5 / 133
2024	+19.12%	+21.92%	-2.80	49 / 82
2023	+18.29%	+31.01%	-12.72	57 / 59
2022	+13.52%	+2.36%	+11.15	12 / 52
2021	+11.81%	+31.79%	-19.98	38 / 42
2020	+4.89%	+20.01%	-15.11	24 / 34
2019	+19.99%	+8.53%	+11.46	5 / 28
2018	+10.08%	-6.81%	+16.89	3 / 23
2017	+41.06%	+37.67%	+3.39	10 / 23
2016	+16.16%	+8.37%	+7.79	6 / 23

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

+17.68%

125 windows

min -33.0% · max 78.3%

90% positive

3-Year rolling

+15.47%

101 windows

min -2.3% · max 29.2%

99% positive

5-Year rolling

+14.61%

77 windows

min 4.1% · max 24.3%

100% positive

7-Year rolling

+14.70%

52 windows

min 11.7% · max 17.9%

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

13.16%

3-year · annualised

Sharpe ratio

0.67

vs risk-free 6.5%

Sortino ratio

1.01

Downside-only deviation

Max drawdown

-16.17%

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 INNOVATION FUND - REGULAR PLAN - GROWTH OPTION	HDFC	₹10.4050	3 Jun 2026
Nippon India Active Momentum Fund - Regular Plan- Growth Option	Nippon India	₹12.0306	3 Jun 2026
SBI Automotive Opportunities Fund - Regular Plan - Growth	SBI	₹11.4966	3 Jun 2026
Invesco India Business Cycle Fund - Regular Plan - Growth	Invesco	₹13.0300	3 Jun 2026
Bandhan Business Cycle Fund - Regular Plan - Growth	Bandhan	₹9.3840	3 Jun 2026
quant BFSI Fund - Growth Option - Regular Plan	Quant	₹19.3101	3 Jun 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - REGULAR PLAN - GROWTH OPTION	Quantum	₹22.0100	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹59.0200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Regular- Growth	Motilal Oswal	₹13.3121	3 Jun 2026
Mirae Asset Banking and Financial Services Fund Regular Growth	Mirae Asset	₹20.1120	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹41.7012
2 Jun 2026	₹41.6594
1 Jun 2026	₹41.7553
31 May 2026	₹42.3715
29 May 2026	₹42.3751
27 May 2026	₹42.8660
26 May 2026	₹42.9957
25 May 2026	₹43.2799
22 May 2026	₹42.5065
21 May 2026	₹42.2136

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 - REGULAR PLAN - GROWTH is ₹41.7012. It's a Sectoral/Thematic Fund from SBI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

SBI BANKING & FINANCIAL SERVICES FUND - REGULAR 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 - REGULAR 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 - REGULAR PLAN - GROWTH has delivered a absolute return of 0.74% — -3.04 pp behind the Sectoral/Thematic Fund category average of 3.78%. The fund ranks #85 of 151 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH has delivered a CAGR of 15.36% — +0.96 pp ahead of the Sectoral/Thematic Fund category average of 14.41%. The fund ranks #31 of 67 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH has delivered a CAGR of 11.50% — +1.13 pp ahead of the Sectoral/Thematic Fund category average of 10.37%. The fund ranks #24 of 45 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH exactly 10 years ago would be worth approximately ₹397,810 today — a multiplier of 3.98×, based on the 10-year CAGR of 14.81%. The category average over the same window would have grown ₹1 lakh to ₹371,044.

A ₹10,000 monthly SIP in SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹817,835 today. That's an XIRR (money-weighted annualised return) of 12.33%.

A ₹10,000 monthly SIP for 10 years in SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH = ₹1,200,000 invested. It would currently be worth ₹2,445,029 (multiplier 2.04×). XIRR: 13.63%. 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 - REGULAR PLAN - GROWTH ranks #24 out of 45 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 10.37%; this fund delivered 11.50%.

The worst peak-to-trough decline SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH has experienced over the last 5-year window is 22.04% — 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 - REGULAR PLAN - GROWTH averaged 14.61% (best 24.31%, worst 4.12%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.39 — weak risk-adjusted performance.

In calendar year 2025, SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH returned 19.79% — beating the Sectoral/Thematic Fund category average of 1.66% by 18.13 pp. It ranked #5 of 133 in its category that year.

SBI BANKING & FINANCIAL SERVICES FUND - REGULAR 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 - REGULAR 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: 22.0%. 5-year CAGR: 11.50%.

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