Should I invest in Tata Banking And Financial Services Fund?

We don't give personal investment advice. Tata Banking And 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: 23.1%. 5-year CAGR: 12.28%.

Tata

Tata Banking And Financial Services Fund-Direct Plan-Growth

Latest NAV

₹48.5419

As of

3 Jun 2026

2,568 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	-0.32%	+0.27%	-0.59	227 / 258	Q4
1W	-3.61%	-1.34%	-2.27	250 / 258	Q4
2W	-1.49%	+0.04%	-1.52	226 / 259	Q4
1M	-2.77%	-0.39%	-2.38	216 / 259	Q4
3M	-7.48%	+2.19%	-9.67	251 / 257	Q4
6M	-7.92%	-1.09%	-6.82	202 / 247	Q4
YTD	-8.31%	-1.30%	-7.01	208 / 247	Q4
1Y	-1.52%	+5.02%	-6.54	172 / 230	Q3
2Y	+8.09%	+5.50%	+2.59	50 / 182	Q2
3Y	+13.15%	+16.94%	-3.79	96 / 139	Q3
4Y	+17.07%	+16.57%	+0.50	56 / 119	Q2
5Y	+12.28%	+13.73%	-1.44	70 / 109	Q3
7Y	+12.52%	+16.42%	-3.90	72 / 91	Q4
10Y	+15.60%	+15.07%	+0.52	35 / 76	Q2
Inception	+16.33%	+10.45%	+5.88	74 / 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	-8.31%	-0.94%	-7.38	206 / 244
2025	+18.51%	+4.41%	+14.10	17 / 208
2024	+10.17%	+23.18%	-13.01	144 / 155
2023	+23.43%	+33.51%	-10.09	108 / 127
2022	+18.82%	+4.32%	+14.50	12 / 116
2021	+13.57%	+34.43%	-20.86	96 / 104
2020	+4.21%	+21.19%	-16.99	74 / 94
2019	+26.85%	+9.30%	+17.55	4 / 85
2018	+2.05%	-5.36%	+7.41	19 / 77
2017	+46.45%	+35.61%	+10.84	17 / 76
2016	+19.78%	+4.98%	+14.79	6 / 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

+18.55%

115 windows

min -27.8% · max 71.2%

85% positive

3-Year rolling

+15.83%

91 windows

min -1.9% · max 30.3%

98% positive

5-Year rolling

+16.06%

67 windows

min 8.4% · max 24.5%

100% positive

7-Year rolling

+15.60%

42 windows

min 12.5% · max 19.1%

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

13.72%

3-year · annualised

Sharpe ratio

0.50

vs risk-free 6.5%

Sortino ratio

0.80

Downside-only deviation

Max drawdown

-16.47%

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 - 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	₹48.5419
2 Jun 2026	₹48.6815
1 Jun 2026	₹48.8397
29 May 2026	₹49.5944
27 May 2026	₹50.2981
26 May 2026	₹50.5058
25 May 2026	₹50.7100
22 May 2026	₹49.7806
21 May 2026	₹49.5466
20 May 2026	₹49.5528

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 Tata Banking And Financial Services Fund-Direct Plan-Growth is ₹48.5419. It's a Sectoral/Thematic Fund from Tata, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Banking And Financial Services Fund-Direct Plan-Growth has NAV history starting from 29 Dec 2015, a track record of about 10 years 5 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.

Tata Banking And Financial Services Fund-Direct Plan-Growth is managed by Tata. 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, Tata Banking And Financial Services Fund-Direct Plan-Growth has delivered a absolute return of -1.52% — -6.54 pp behind the Sectoral/Thematic Fund category average of 5.02%. The fund ranks #172 of 230 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Banking And Financial Services Fund-Direct Plan-Growth has delivered a CAGR of 13.15% — -3.79 pp behind the Sectoral/Thematic Fund category average of 16.94%. The fund ranks #96 of 139 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Banking And Financial Services Fund-Direct Plan-Growth has delivered a CAGR of 12.28% — -1.44 pp behind the Sectoral/Thematic Fund category average of 13.73%. The fund ranks #70 of 109 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Banking And Financial Services Fund-Direct Plan-Growth exactly 10 years ago would be worth approximately ₹426,118 today — a multiplier of 4.26×, based on the 10-year CAGR of 15.60%. The category average over the same window would have grown ₹1 lakh to ₹407,181.

A ₹10,000 monthly SIP in Tata Banking And Financial Services Fund-Direct Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹809,976 today. That's an XIRR (money-weighted annualised return) of 11.94%.

A ₹10,000 monthly SIP for 10 years in Tata Banking And Financial Services Fund-Direct Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹2,478,934 (multiplier 2.07×). XIRR: 13.89%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, Tata Banking And Financial Services Fund-Direct Plan-Growth ranks #70 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 12.28%.

The worst peak-to-trough decline Tata Banking And Financial Services Fund-Direct Plan-Growth has experienced over the last 5-year window is 23.13% — 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, Tata Banking And Financial Services Fund-Direct Plan-Growth averaged 16.06% (best 24.50%, worst 8.37%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.42 — weak risk-adjusted performance.

In calendar year 2025, Tata Banking And Financial Services Fund-Direct Plan-Growth returned 18.51% — beating the Sectoral/Thematic Fund category average of 4.41% by 14.10 pp. It ranked #17 of 208 in its category that year.

Tata Banking And 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. Tata Banking And 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: 23.1%. 5-year CAGR: 12.28%.

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