Should I invest in Tata Banking And Financial Services Fund?

We don't give personal investment advice. Tata Banking And 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: 23.9%. 5-year CAGR: 12.57%.

Tata

Tata Banking And Financial Services Fund-Regular Plan-Growth

Latest NAV

₹44.6923

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%	-0.07%	+0.88	16 / 175	Q1
1W	-0.30%	-0.23%	-0.07	104 / 175	Q3
2W	+0.07%	-0.28%	+0.36	104 / 176	Q3
1M	+2.88%	+1.47%	+1.41	64 / 176	Q2
3M	+2.34%	+4.83%	-2.49	129 / 176	Q3
6M	-1.22%	+4.22%	-5.43	129 / 168	Q4
YTD	-1.31%	+2.36%	-3.68	113 / 165	Q3
1Y	+1.53%	+4.18%	-2.66	93 / 155	Q3
2Y	+7.85%	+2.32%	+5.53	24 / 111	Q1
3Y	+12.14%	+13.55%	-1.42	50 / 74	Q3
4Y	+17.38%	+14.92%	+2.46	25 / 55	Q2
5Y	+12.57%	+10.53%	+2.03	25 / 46	Q3
7Y	+12.81%	+16.29%	-3.47	24 / 32	Q3
10Y	+14.00%	+13.68%	+0.32	14 / 23	Q3
Inception	+15.19%	+9.09%	+6.10	46 / 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	-1.31%	+2.99%	-4.30	113 / 164
2025	+16.82%	+1.66%	+15.16	10 / 133
2024	+8.54%	+21.92%	-13.39	78 / 82
2023	+21.56%	+31.01%	-9.45	48 / 59
2022	+16.86%	+2.36%	+14.50	7 / 52
2021	+11.80%	+31.79%	-19.99	39 / 42
2020	+2.61%	+20.01%	-17.40	26 / 34
2019	+24.90%	+8.53%	+16.37	1 / 28
2018	+0.40%	-6.81%	+7.21	8 / 23
2017	+44.03%	+37.67%	+6.36	8 / 23
2016	+17.69%	+8.37%	+9.32	4 / 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

+16.65%

117 windows

min -29.4% · max 57.9%

79% positive

3-Year rolling

+14.43%

93 windows

min -3.4% · max 26.9%

94% positive

5-Year rolling

+14.39%

68 windows

min 7.3% · max 25.3%

100% positive

7-Year rolling

+13.85%

44 windows

min 11.3% · max 16.9%

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

14.10%

3-year · annualised

Sharpe ratio

0.42

vs risk-free 6.5%

Sortino ratio

0.73

Downside-only deviation

Max drawdown

-16.60%

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	₹44.6923
16 Jul 2026	₹44.3307
15 Jul 2026	₹44.8062
14 Jul 2026	₹44.4823
13 Jul 2026	₹44.9869
10 Jul 2026	₹44.8262
9 Jul 2026	₹44.2142
8 Jul 2026	₹43.7108
7 Jul 2026	₹44.8807
6 Jul 2026	₹44.7693

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-Regular Plan-Growth is ₹44.6923. It's a Sectoral/Thematic Fund from Tata, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Tata Banking And Financial Services Fund-Regular 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-Regular 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-Regular Plan-Growth has delivered a absolute return of 1.53% — -2.66 pp behind the Sectoral/Thematic Fund category average of 4.18%. The fund ranks #93 of 155 in its category — the third (Q3) quartile.

Over the trailing 3-year window, Tata Banking And Financial Services Fund-Regular Plan-Growth has delivered a CAGR of 12.14% — -1.42 pp behind the Sectoral/Thematic Fund category average of 13.55%. The fund ranks #50 of 74 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Tata Banking And Financial Services Fund-Regular Plan-Growth has delivered a CAGR of 12.57% — +2.03 pp ahead of the Sectoral/Thematic Fund category average of 10.53%. The fund ranks #25 of 46 in its category — the third (Q3) quartile.

₹1 lakh invested in Tata Banking And Financial Services Fund-Regular Plan-Growth exactly 10 years ago would be worth approximately ₹370,576 today — a multiplier of 3.71×, based on the 10-year CAGR of 14.00%. The category average over the same window would have grown ₹1 lakh to ₹360,408.

A ₹10,000 monthly SIP in Tata Banking And Financial Services Fund-Regular Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹828,303 today. That's an XIRR (money-weighted annualised return) of 12.85%.

A ₹10,000 monthly SIP for 10 years in Tata Banking And Financial Services Fund-Regular Plan-Growth = ₹1,200,000 invested. It would currently be worth ₹2,404,045 (multiplier 2.00×). XIRR: 13.32%. 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-Regular Plan-Growth ranks #25 out of 46 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 10.53%; this fund delivered 12.57%.

The worst peak-to-trough decline Tata Banking And Financial Services Fund-Regular Plan-Growth has experienced over the last 5-year window is 23.93% — 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-Regular Plan-Growth averaged 14.39% (best 25.26%, worst 7.25%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.40 — weak risk-adjusted performance.

In calendar year 2025, Tata Banking And Financial Services Fund-Regular Plan-Growth returned 16.82% — beating the Sectoral/Thematic Fund category average of 1.66% by 15.16 pp. It ranked #10 of 133 in its category that year.

Tata Banking And 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. Tata Banking And 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: 23.9%. 5-year CAGR: 12.57%.

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