Sbi Banking & Financial Services Fund Datagrid
Category Banking and Financial Fund
BMSMONEY Rank 1
Rating
Growth Option 23-01-2026
NAV ₹44.83(R) -1.41% ₹50.32(D) -1.41%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 22.53% 19.05% 16.24% 15.62% 18.03%
Direct 23.8% 20.35% 17.56% 16.93% 19.35%
Nifty Financial Services TRI 19.71% 13.51% 13.09% 13.62% 16.1%
SIP (XIRR) Regular 15.6% 19.12% 16.61% 17.07% 16.23%
Direct 16.81% 20.42% 17.89% 18.38% 17.55%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.09 0.59 1.04 5.81% 0.14
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
11.83% -11.86% -8.58% 0.93 8.41%
Fund AUM As on: 30/06/2025 7770 Cr
Top Banking and Financial Fund
Fund Name Rank Rating
Sbi Banking & Financial Services Fund 1
Invesco India Financial Services Fund 2
Mirae Asset Banking and Financial Services Fund 3

NAV Date: 23-01-2026

Scheme Name NAV Rupee Change Percent Change
SBI Banking & Financial Services Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 40.26
-0.5800
-1.4100%
SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH 44.83
-0.6400
-1.4100%
SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 44.98
-0.6400
-1.4100%
SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH 50.32
-0.7200
-1.4100%

Review Date: 23-01-2026

Beginning of Analysis

Sbi Banking & Financial Services Fund is the top ranked fund in the Banking and Financial Services Fund category. The category has total 14 funds. The 5 star rating shows an excellent past performance of the Sbi Banking & Financial Services Fund in Banking and Financial Services Fund. The fund has a Jensen Alpha of 5.81% which is higher than the category average of 1.54%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.09 which is higher than the category average of 0.77.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Banking and Financial Services Mutual Funds are ideal for aggressive investors seeking high returns by investing in the banking and financial services sector. These funds offer targeted exposure to banks, NBFCs, insurance companies, and other financial institutions, allowing investors to capitalize on the growth potential of this sector. However, they carry higher risks due to their concentrated exposure and are heavily dependent on the performance of the BFSI sector and macroeconomic factors. Investors should have a long-term investment horizon, a high risk tolerance, and a good understanding of the banking and financial services sector before investing in these funds. Additionally, monitoring economic trends and regulatory changes is crucial for success.

Sbi Banking & Financial Services Fund Return Analysis

The Sbi Banking & Financial Services Fund has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Banking and Financial Services Fund peers and the Nifty Financial Services TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Banking and Financial Services Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of -1.68%, 0.62 and 4.18 in last one, three and six months respectively. In the same period the category average return was -2.3%, -0.79% and 1.07% respectively.
  • Sbi Banking & Financial Services Fund has given a return of 23.8% in last one year. In the same period the Nifty Financial Services TRI return was 19.71%. The fund has given 4.09% more return than the benchmark return.
  • The fund has given a return of 20.35% in last three years and rank 2nd out of 14 funds in the category. In the same period the Nifty Financial Services TRI return was 13.51%. The fund has given 6.84% more return than the benchmark return.
  • Sbi Banking & Financial Services Fund has given a return of 17.56% in last five years and category average returns is 16.54% in same period. The fund ranked 4th out of 12 funds in the category. In the same period the Nifty Financial Services TRI return was 13.09%. The fund has given 4.47% more return than the benchmark return.
  • The fund has given a return of 19.35% in last ten years and ranked 1st out of 11 funds in the category. In the same period the Nifty Financial Services TRI return was 16.1%. The fund has given 3.25% more return than the benchmark return.
  • The fund has given a SIP return of 16.81% in last one year whereas category average SIP return is 11.94%. The fund one year return rank in the category is 2nd in 21 funds
  • The fund has SIP return of 20.42% in last three years and ranks 1st in 14 funds. The fund has given the highest SIP return in the category in last three years.
  • The fund has SIP return of 17.89% in last five years whereas category average SIP return is 15.2%.

Sbi Banking & Financial Services Fund Risk Analysis

  • The fund has a standard deviation of 11.83 and semi deviation of 8.41. The category average standard deviation is 12.48 and semi deviation is 8.56.
  • The fund has a Value at Risk (VaR) of -11.86 and a maximum drawdown of -8.58. The category average VaR is -13.08 and the maximum drawdown is -10.57. The fund has a beta of 0.85 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Banking and Financial Services Fund Category
  • Good Performance in Banking and Financial Services Fund Category
  • Poor Performance in Banking and Financial Services Fund Category
  • Very Poor Performance in Banking and Financial Services Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty Financial Services TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -1.77 -2.77
    -2.40
    		-5.08 | -0.60 7 | 21 Good
    3M Return % 0.36 -2.63
    -1.13
    		-5.25 | 1.82 5 | 21 Very Good
    6M Return % 3.64 -1.11
    0.39
    		-3.47 | 3.64 1 | 21 Very Good
    1Y Return % 22.53 19.71
    18.72
    		12.52 | 23.83 4 | 21 Very Good
    3Y Return % 19.05 13.51
    15.25
    		10.73 | 19.77 2 | 14 Very Good
    5Y Return % 16.24 13.09
    15.20
    		12.31 | 19.12 4 | 12 Good
    7Y Return % 15.62 13.62
    13.48
    		11.42 | 16.16 2 | 11 Very Good
    10Y Return % 18.03 16.10
    15.04
    		11.22 | 18.03 1 | 11 Very Good
    1Y SIP Return % 15.60
    10.42
    		1.42 | 20.53 2 | 21 Very Good
    3Y SIP Return % 19.12
    13.98
    		8.60 | 19.12 1 | 14 Very Good
    5Y SIP Return % 16.61
    13.86
    		10.15 | 16.61 1 | 12 Very Good
    7Y SIP Return % 17.07
    15.00
    		12.22 | 17.12 2 | 11 Very Good
    10Y SIP Return % 16.23
    13.75
    		10.63 | 16.23 1 | 11 Very Good
    Standard Deviation 11.83
    12.48
    		10.95 | 13.21 2 | 14 Very Good
    Semi Deviation 8.41
    8.56
    		7.52 | 9.22 4 | 14 Very Good
    Max Drawdown % -8.58
    -10.57
    		-13.67 | -8.58 1 | 14 Very Good
    VaR 1 Y % -11.86
    -13.08
    		-16.76 | -10.85 5 | 14 Good
    Average Drawdown % -5.15
    -4.19
    		-5.15 | -3.48 14 | 14 Poor
    Sharpe Ratio 1.09
    0.77
    		0.45 | 1.09 1 | 14 Very Good
    Sterling Ratio 1.04
    0.77
    		0.51 | 1.04 1 | 14 Very Good
    Sortino Ratio 0.59
    0.42
    		0.25 | 0.59 1 | 14 Very Good
    Jensen Alpha % 5.81
    1.54
    		-3.40 | 6.88 2 | 14 Very Good
    Treynor Ratio 0.14
    0.10
    		0.06 | 0.15 2 | 14 Very Good
    Modigliani Square Measure % 19.35
    15.10
    		10.84 | 19.35 1 | 14 Very Good
    Alpha % 7.01
    2.92
    		-2.09 | 7.49 2 | 14 Very Good
    Return data last Updated On : Jan. 23, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    Rotate the phone! Best viewed in landscape mode on mobile.
    KPIs* Fund Nifty Financial Services TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -1.68 -2.77 -2.30 -5.04 | -0.49 7 | 21 Good
    3M Return % 0.62 -2.63 -0.79 -5.04 | 2.16 6 | 21 Very Good
    6M Return % 4.18 -1.11 1.07 -3.01 | 4.41 2 | 21 Very Good
    1Y Return % 23.80 19.71 20.32 13.50 | 25.80 5 | 21 Very Good
    3Y Return % 20.35 13.51 16.67 11.60 | 21.36 2 | 14 Very Good
    5Y Return % 17.56 13.09 16.54 13.20 | 20.08 4 | 12 Good
    7Y Return % 16.93 13.62 14.72 12.59 | 17.64 3 | 11 Very Good
    10Y Return % 19.35 16.10 16.32 12.62 | 19.35 1 | 11 Very Good
    1Y SIP Return % 16.81 11.94 2.32 | 22.47 2 | 21 Very Good
    3Y SIP Return % 20.42 15.40 9.49 | 20.42 1 | 14 Very Good
    5Y SIP Return % 17.89 15.20 11.03 | 18.15 2 | 12 Very Good
    7Y SIP Return % 18.38 16.30 13.12 | 18.67 3 | 11 Very Good
    10Y SIP Return % 17.55 15.01 12.05 | 17.55 1 | 11 Very Good
    Standard Deviation 11.83 12.48 10.95 | 13.21 2 | 14 Very Good
    Semi Deviation 8.41 8.56 7.52 | 9.22 4 | 14 Very Good
    Max Drawdown % -8.58 -10.57 -13.67 | -8.58 1 | 14 Very Good
    VaR 1 Y % -11.86 -13.08 -16.76 | -10.85 5 | 14 Good
    Average Drawdown % -5.15 -4.19 -5.15 | -3.48 14 | 14 Poor
    Sharpe Ratio 1.09 0.77 0.45 | 1.09 1 | 14 Very Good
    Sterling Ratio 1.04 0.77 0.51 | 1.04 1 | 14 Very Good
    Sortino Ratio 0.59 0.42 0.25 | 0.59 1 | 14 Very Good
    Jensen Alpha % 5.81 1.54 -3.40 | 6.88 2 | 14 Very Good
    Treynor Ratio 0.14 0.10 0.06 | 0.15 2 | 14 Very Good
    Modigliani Square Measure % 19.35 15.10 10.84 | 19.35 1 | 14 Very Good
    Alpha % 7.01 2.92 -2.09 | 7.49 2 | 14 Very Good
    Return data last Updated On : Jan. 23, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Sbi Banking & Financial Services Fund NAV Regular Growth Sbi Banking & Financial Services Fund NAV Direct Growth
    23-01-2026 44.8308 50.3219
    22-01-2026 45.472 51.0403
    21-01-2026 45.1552 50.6832
    20-01-2026 45.4971 51.0655
    19-01-2026 46.112 51.7542
    16-01-2026 46.0837 51.7181
    14-01-2026 45.7998 51.3965
    13-01-2026 45.7209 51.3066
    12-01-2026 45.5747 51.1411
    09-01-2026 45.4204 50.9636
    08-01-2026 45.8484 51.4423
    07-01-2026 46.2506 51.8922
    06-01-2026 46.3701 52.0248
    05-01-2026 46.2399 51.8772
    02-01-2026 46.1748 51.7998
    01-01-2026 45.932 51.526
    31-12-2025 45.8174 51.396
    30-12-2025 45.3945 50.9202
    29-12-2025 45.256 50.7634
    26-12-2025 45.4191 50.9421
    24-12-2025 45.6002 51.1422
    23-12-2025 45.6372 51.1823

    Fund Launch Date: 11/Feb/2015
    Fund Category: Banking and Financial Fund
    Investment Objective: The investment objective of the scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. (However, there can be no assurance that the investment objective of the Scheme will be realized.)
    Fund Description: An open-ended Equity Scheme investing in Banking and Financial Services sector.
    Fund Benchmark: Nifty Financial Services Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.