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SBI BANKING & FINANCIAL SERVICES FUND - Direct Plan - Growth
₹46.5579NAV on 31 Oct 2026Expense ratio 1.19%
30 Oct 2025NAV low 44.31 · high 52.79-6.7%
In plain words
Over 3 years it returned +14.6% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -16.1%.
On 3-year return it ranks 55 of 139 funds in Sectoral / Thematic.
A monthly SIP over 10 years ended ₹1,62,338 higher in the direct plan than the regular plan, because of the lower expense ratio.
Past returns, not a promise of future returns or a recommendation.
Returns vs benchmark
| Period | Fund | Benchmark |
|---|---|---|
| 1 month | -0.4% | +1.9% |
| 3 months | -6.2% | -5.1% |
| 6 months | -3.2% | -3.2% |
| 1 year | -6.1% | -10.2% |
| 3 years (yearly) | +14.6% | +7.4% |
| 5 years (yearly) | +10.7% | +6.5% |
| 10 years (yearly) | +14.3% | +11.3% |
| Since start (yearly) | +13.9% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,13,189 | -9.1% |
| 3 years | ₹3,60,000 | ₹3,94,665 | +5.8% |
| 5 years | ₹5,90,000 | ₹7,85,551 | +11.2% |
| 10 years | ₹11,90,000 | ₹24,36,437 | +13.7% |
Top holdings (30 Sept 2026)
Fund size ₹10,420 crore · 39 holdings · 92.6% in equity
| Company | Industry | Weight |
|---|---|---|
| HDFC Bank Ltd. | Banks | 13.04% |
| ICICI Bank Ltd. | Banks | 12.77% |
| Kotak Mahindra Bank Ltd. | Banks | 10.19% |
| Bajaj Finance Ltd. | Finance | 6.85% |
| HDFC Life Insurance Company Ltd. | Insurance | 4.66% |
| One 97 Communications Ltd. | Financial Technology (Fintech) | 3.46% |
| Bank of Baroda | Banks | 2.96% |
| Muthoot Finance Ltd. | Finance | 2.87% |
| Axis Bank Ltd. | Banks | 2.82% |
| Manappuram Finance Ltd. | Finance | 2.48% |
| The South Indian Bank Ltd. | Banks | 2.22% |
| Cholamandalam Investment & Finance Co. Ltd. | Finance | 2.18% |
| Cholamandalam Financial Holdings Ltd. | Finance | 1.97% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | 1.93% |
| Aditya Birla Capital Ltd. | Finance | 1.72% |
Largest industries: Banks 49.3%, Finance 25.0%, Insurance 10.0%, Capital Markets 4.9%, Financial Technology (Fintech) 3.5%, Sovereign 0.1%.
Other plan of this fund: SBI BANKING & FINANCIAL SERVICES FUND - Regular Plan - Growth