Sbi Banking & Financial Services Fund Overview
Category Banking and Financial Fund
BMSMONEY Rank 2
Rating
Growth Option 18-07-2025
NAV ₹42.67(R) -1.04% ₹47.64(D) -1.03%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 13.24% 22.13% 22.08% 14.94% 15.66%
Direct 14.44% 23.5% 23.49% 16.25% 16.92%
Nifty Financial Services TRI 12.7% 18.65% 20.03% 13.84% 13.93%
SIP (XIRR) Regular 20.89% 20.19% 18.85% 17.55% 16.74%
Direct 22.14% 21.53% 20.19% 18.87% 18.06%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
1.45 0.88 1.39 6.92% 0.22
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
12.68% -11.86% -8.01% 0.83 8.73%
Fund AUM As on: 30/06/2025 7770 Cr
Top Banking and Financial Fund
Fund Name Rank Rating
Invesco India Financial Services Fund 1
Sbi Banking & Financial Services Fund 2
Nippon India Banking & Financial Services Fund 3

NAV Date: 18-07-2025

Scheme Name NAV Rupee Change Percent Change
SBI Banking & Financial Services Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 38.32
-0.4000
-1.0400%
SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 42.58
-0.4400
-1.0300%
SBI BANKING & FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH 42.67
-0.4500
-1.0400%
SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH 47.64
-0.5000
-1.0300%

Review Date: 18-07-2025

Beginning of Analysis

In the Banking and Financial Services Fund category, Sbi Banking & Financial Services Fund is the second ranked fund. The category has total 14 funds. The Sbi Banking & Financial Services Fund has shown an excellent past performence in Banking and Financial Services Fund. The fund has a Jensen Alpha of 6.92% which is higher than the category average of 3.76%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 1.45 which is higher than the category average of 1.27.
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 1.52%, 5.07 and 15.27 in last one, three and six months respectively. In the same period the category average return was 1.69%, 4.44% and 15.15% respectively.
  • Sbi Banking & Financial Services Fund has given a return of 14.44% in last one year. In the same period the Nifty Financial Services TRI return was 12.7%. The fund has given 1.74% more return than the benchmark return.
  • The fund has given a return of 23.5% in last three years and rank 5th out of 14 funds in the category. In the same period the Nifty Financial Services TRI return was 18.65%. The fund has given 4.85% more return than the benchmark return.
  • Sbi Banking & Financial Services Fund has given a return of 23.49% in last five years and category average returns is 23.03% in same period. The fund ranked 4th out of 11 funds in the category. In the same period the Nifty Financial Services TRI return was 20.03%. The fund has given 3.46% more return than the benchmark return.
  • The fund has given a return of 16.92% in last ten years and ranked 1st out of ten funds in the category. In the same period the Nifty Financial Services TRI return was 13.93%. The fund has given 2.99% more return than the benchmark return.
  • The fund has given a SIP return of 22.14% in last one year whereas category average SIP return is 19.6%. The fund one year return rank in the category is 3rd in 21 funds
  • The fund has SIP return of 21.53% in last three years and ranks 2nd in 14 funds. Invesco India Financial Services Fund has given the highest SIP return (22.44%) in the category in last three years.
  • The fund has SIP return of 20.19% in last five years whereas category average SIP return is 18.7%.

Sbi Banking & Financial Services Fund Risk Analysis

  • The fund has a standard deviation of 12.68 and semi deviation of 8.73. The category average standard deviation is 13.62 and semi deviation is 9.1.
  • The fund has a Value at Risk (VaR) of -11.86 and a maximum drawdown of -8.01. The category average VaR is -12.14 and the maximum drawdown is -10.52. 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 % 1.44 0.98
    1.58
    		0.45 | 6.71 6 | 21 Very Good
    3M Return % 4.80 1.04
    4.10
    		1.16 | 15.34 6 | 21 Very Good
    6M Return % 14.69 16.58
    14.40
    		11.56 | 17.39 10 | 21 Good
    1Y Return % 13.24 12.70
    9.73
    		2.96 | 16.93 2 | 21 Very Good
    3Y Return % 22.13 18.65
    20.94
    		16.91 | 25.09 5 | 14 Good
    5Y Return % 22.08 20.03
    21.66
    		18.83 | 26.25 4 | 11 Good
    7Y Return % 14.94 13.84
    12.85
    		10.41 | 15.17 2 | 11 Very Good
    10Y Return % 15.66 13.93
    12.47
    		7.92 | 15.66 1 | 10 Very Good
    1Y SIP Return % 20.89
    18.03
    		12.85 | 25.88 3 | 21 Very Good
    3Y SIP Return % 20.19
    16.37
    		11.97 | 20.81 2 | 14 Very Good
    5Y SIP Return % 18.85
    17.35
    		14.17 | 20.09 3 | 11 Very Good
    7Y SIP Return % 17.55
    16.15
    		13.39 | 18.22 4 | 11 Good
    10Y SIP Return % 16.74
    14.46
    		11.00 | 16.74 1 | 10 Very Good
    Standard Deviation 12.68
    13.63
    		12.04 | 14.85 2 | 14 Very Good
    Semi Deviation 8.73
    9.10
    		8.12 | 9.68 3 | 14 Very Good
    Max Drawdown % -8.01
    -10.53
    		-13.67 | -8.01 1 | 14 Very Good
    VaR 1 Y % -11.86
    -12.14
    		-16.76 | -8.63 6 | 14 Good
    Average Drawdown % -4.53
    -4.05
    		-4.97 | -3.30 13 | 14 Poor
    Sharpe Ratio 1.45
    1.27
    		0.91 | 1.57 3 | 14 Very Good
    Sterling Ratio 1.39
    1.17
    		0.84 | 1.39 1 | 14 Very Good
    Sortino Ratio 0.88
    0.79
    		0.56 | 0.98 5 | 14 Good
    Jensen Alpha % 6.92
    3.76
    		-2.11 | 9.59 2 | 14 Very Good
    Treynor Ratio 0.22
    0.19
    		0.13 | 0.25 2 | 14 Very Good
    Modigliani Square Measure % 27.50
    24.40
    		18.70 | 28.82 3 | 14 Very Good
    Alpha % 5.45
    3.76
    		-2.40 | 8.73 5 | 14 Good
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty Financial Services TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.52 0.98 1.69 0.52 | 6.85 7 | 21
    3M Return % 5.07 1.04 4.44 1.48 | 15.78 6 | 21
    6M Return % 15.27 16.58 15.15 12.40 | 18.31 11 | 21
    1Y Return % 14.44 12.70 11.22 4.64 | 18.69 6 | 21
    3Y Return % 23.50 18.65 22.44 19.20 | 26.77 5 | 14
    5Y Return % 23.49 20.03 23.03 20.29 | 27.25 4 | 11
    7Y Return % 16.25 13.84 14.08 11.57 | 16.57 3 | 11
    10Y Return % 16.92 13.93 13.65 9.23 | 16.92 1 | 10
    1Y SIP Return % 22.14 19.60 13.74 | 27.82 3 | 21
    3Y SIP Return % 21.53 17.81 13.65 | 22.44 2 | 14
    5Y SIP Return % 20.19 18.70 15.59 | 21.49 4 | 11
    7Y SIP Return % 18.87 17.43 14.89 | 19.76 4 | 11
    10Y SIP Return % 18.06 15.66 12.39 | 18.08 2 | 10
    Standard Deviation 12.68 13.63 12.04 | 14.85 2 | 14
    Semi Deviation 8.73 9.10 8.12 | 9.68 3 | 14
    Max Drawdown % -8.01 -10.53 -13.67 | -8.01 1 | 14
    VaR 1 Y % -11.86 -12.14 -16.76 | -8.63 6 | 14
    Average Drawdown % -4.53 -4.05 -4.97 | -3.30 13 | 14
    Sharpe Ratio 1.45 1.27 0.91 | 1.57 3 | 14
    Sterling Ratio 1.39 1.17 0.84 | 1.39 1 | 14
    Sortino Ratio 0.88 0.79 0.56 | 0.98 5 | 14
    Jensen Alpha % 6.92 3.76 -2.11 | 9.59 2 | 14
    Treynor Ratio 0.22 0.19 0.13 | 0.25 2 | 14
    Modigliani Square Measure % 27.50 24.40 18.70 | 28.82 3 | 14
    Alpha % 5.45 3.76 -2.40 | 8.73 5 | 14
    Return data last Updated On : July 18, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 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
    18-07-2025 42.6658 47.6392
    17-07-2025 43.1126 48.1366
    16-07-2025 43.2854 48.3282
    15-07-2025 43.1925 48.2232
    14-07-2025 43.0572 48.0707
    11-07-2025 43.0362 48.0433
    10-07-2025 43.1619 48.1822
    09-07-2025 43.258 48.2882
    08-07-2025 43.1331 48.1474
    07-07-2025 42.8888 47.8734
    04-07-2025 42.9474 47.9347
    03-07-2025 42.887 47.8661
    02-07-2025 43.0301 48.0244
    01-07-2025 43.4585 48.5012
    30-06-2025 43.3603 48.3901
    27-06-2025 43.3214 48.3426
    26-06-2025 43.1883 48.1928
    25-06-2025 42.7691 47.7237
    24-06-2025 42.6448 47.5836
    23-06-2025 42.3015 47.1992
    20-06-2025 42.3038 47.1977
    19-06-2025 41.814 46.6499
    18-06-2025 42.0611 46.9242

    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.