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: 14.29%.

Tata

Tata Banking And Financial Services Fund-Direct Plan-Growth

Latest NAV

₹52.7908

As of

17 Jul 2026

2,599 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	+0.82%	-0.05%	+0.87	24 / 258	Q1
1W	-0.27%	-0.18%	-0.09	157 / 258	Q3
2W	+0.13%	-0.17%	+0.30	139 / 259	Q3
1M	+3.00%	+1.63%	+1.37	85 / 259	Q2
3M	+2.70%	+4.83%	-2.13	179 / 259	Q3
6M	-0.53%	+4.61%	-5.14	189 / 250	Q4
YTD	-0.57%	+2.98%	-3.55	164 / 247	Q3
1Y	+2.97%	+5.46%	-2.48	135 / 235	Q3
2Y	+9.41%	+4.09%	+5.32	38 / 187	Q1
3Y	+13.78%	+15.93%	-2.14	99 / 148	Q3
4Y	+19.15%	+17.58%	+1.56	53 / 121	Q2
5Y	+14.29%	+13.72%	+0.57	59 / 110	Q3
7Y	+14.55%	+17.79%	-3.24	65 / 91	Q3
10Y	+15.79%	+14.89%	+0.90	33 / 76	Q2
Inception	+17.02%	+12.07%	+4.94	69 / 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	-0.57%	+3.40%	-3.97	163 / 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

+18.51%

117 windows

min -28.3% · max 60.3%

84% positive

3-Year rolling

+16.24%

93 windows

min -1.8% · max 28.9%

98% positive

5-Year rolling

+16.21%

68 windows

min 9.0% · max 27.2%

100% positive

7-Year rolling

+15.66%

44 windows

min 13.0% · max 18.8%

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

14.12%

3-year · annualised

Sharpe ratio

0.52

vs risk-free 6.5%

Sortino ratio

0.93

Downside-only deviation

Max drawdown

-16.47%

Feb 2026 → Mar 2026

% positive months

61.1%

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	₹52.7908
16 Jul 2026	₹52.3617
15 Jul 2026	₹52.9213
14 Jul 2026	₹52.5368
13 Jul 2026	₹53.1307
10 Jul 2026	₹52.9348
9 Jul 2026	₹52.2101
8 Jul 2026	₹51.6137
7 Jul 2026	₹52.9931
6 Jul 2026	₹52.8595

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 Tata Banking And Financial Services Fund-Direct Plan-Growth is ₹52.7908. 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 6 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 2.97% — -2.48 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #135 of 235 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 13.78% — -2.14 pp behind the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #99 of 148 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 14.29% — +0.57 pp ahead of the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #59 of 110 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 ₹433,331 today — a multiplier of 4.33×, based on the 10-year CAGR of 15.79%. The category average over the same window would have grown ₹1 lakh to ₹400,745.

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 ₹864,000 today. That's an XIRR (money-weighted annualised return) of 14.56%.

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 ₹2,639,820 (multiplier 2.20×). XIRR: 15.06%. 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 #59 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 14.29%.

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 16.21% (best 27.21%, worst 8.97%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.50 — reasonable 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: 14.29%.

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