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: 13.23%.

SBI

SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH

Latest NAV

₹44.5912

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%	-0.07%	+1.06	10 / 175	Q1
1W	+0.29%	-0.23%	+0.53	32 / 175	Q1
2W	+0.37%	-0.28%	+0.65	74 / 176	Q2
1M	+1.76%	+1.47%	+0.29	101 / 176	Q3
3M	+0.79%	+4.83%	-4.04	145 / 176	Q4
6M	-3.24%	+4.22%	-7.46	149 / 168	Q4
YTD	-2.92%	+2.36%	-5.28	131 / 165	Q4
1Y	+3.43%	+4.18%	-0.75	79 / 155	Q3
2Y	+9.04%	+2.32%	+6.72	14 / 111	Q1
3Y	+15.97%	+13.55%	+2.41	29 / 74	Q2
4Y	+17.47%	+14.92%	+2.54	24 / 55	Q2
5Y	+13.23%	+10.53%	+2.69	19 / 46	Q2
7Y	+13.55%	+16.29%	-2.74	22 / 32	Q3
10Y	+15.02%	+13.68%	+1.34	9 / 23	Q2
Inception	+13.81%	+9.09%	+4.72	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	-2.92%	+2.99%	-5.91	131 / 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

+17.53%

127 windows

min -34.8% · max 68.3%

84% positive

3-Year rolling

+15.81%

103 windows

min -2.9% · max 27.5%

99% positive

5-Year rolling

+14.80%

78 windows

min 5.2% · max 27.2%

100% positive

7-Year rolling

+14.68%

54 windows

min 12.1% · max 17.4%

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

13.75%

3-year · annualised

Sharpe ratio

0.67

vs risk-free 6.5%

Sortino ratio

1.20

Downside-only deviation

Max drawdown

-16.17%

Feb 2026 → Mar 2026

% positive months

58.3%

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	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund - Regular Plan- Growth Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Growth	SBI	₹12.2936	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - Growth	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - Growth	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - Growth Option - Regular Plan	Quant	₹21.0071	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - REGULAR PLAN - GROWTH OPTION	Quantum	₹23.1700	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹64.3300	17 Jul 2026
Motilal Oswal Active Momentum Fund- Regular- Growth	Motilal Oswal	₹13.5060	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular Growth	Mirae Asset	₹21.9450	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹44.5912
16 Jul 2026	₹44.1510
15 Jul 2026	₹44.3052
14 Jul 2026	₹43.9186
13 Jul 2026	₹44.5037
10 Jul 2026	₹44.4608
9 Jul 2026	₹43.8297
8 Jul 2026	₹43.5533
7 Jul 2026	₹44.6903
6 Jul 2026	₹44.6736

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 - REGULAR PLAN - GROWTH is ₹44.5912. 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 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 - 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 3.43% — -0.75 pp behind the Sectoral/Thematic Fund category average of 4.18%. The fund ranks #79 of 155 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 15.97% — +2.41 pp ahead of the Sectoral/Thematic Fund category average of 13.55%. The fund ranks #29 of 74 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 13.23% — +2.69 pp ahead of the Sectoral/Thematic Fund category average of 10.53%. The fund ranks #19 of 46 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH exactly 10 years ago would be worth approximately ₹405,299 today — a multiplier of 4.05×, based on the 10-year CAGR of 15.02%. The category average over the same window would have grown ₹1 lakh to ₹360,408.

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 ₹861,884 today. That's an XIRR (money-weighted annualised return) of 14.46%.

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 ₹2,571,013 (multiplier 2.14×). XIRR: 14.57%. 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 #19 out of 46 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 10.53%; this fund delivered 13.23%.

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 14.80% (best 27.16%, worst 5.25%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — 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: 13.23%.

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