SBI Banking and Financial Services Fund
Direct · Growth ₹49.71
04 Aug 2026
NAV
16.9%
3Y CAGR
16.1%
5Y CAGR
17.6%
10Y CAGR
16.9%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
9.04
Sharpe
-43.8%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
NA
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹13.09 L | 20.2% | -64.2% | 129.2% |
| 3 Years | ₹36.00 L | ₹46.80 L | 17.2% | -19.8% | 30.1% |
| 5 Years | ₹60.00 L | ₹90.26 L | 16.1% | -3.1% | 24.3% |
| 7 Years | ₹84.00 L | ₹1.49 Cr | 16.5% | 11.5% | 20.3% |
| 10 Years | ₹1.20 Cr | ₹2.99 Cr | 17.1% | 14.4% | 18.6% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 20.2% | 14.5% | 13.9% | +5.7% |
| 3 Years | 17.2% | 11.2% | 16.8% | +6.1% |
| 5 Years | 16.1% | 10.4% | 16.9% | +5.6% |
| 7 Years | 16.5% | 10.6% | 16.6% | +5.9% |
| 10 Years | 17.1% | 11.5% | 16.9% | +5.6% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 18.9% | 18.0% | -34.2% | 98.2% | 0.67 | 1.85 | 89% | — | — |
| 3 Years | 16.9% | 17.3% | -1.8% | 31.0% | 1.70 | 9.90 | 100% | — | — |
| 5 Years | 16.1% | 15.2% | 4.7% | 28.6% | 2.26 | 141.73 | 100% | — | — |
| 10 Years | 17.6% | 17.6% | 14.6% | 20.9% | 9.04 | — | 100% | — | — |
-43.8%
Max Drawdown
1 mo
Drawdown Duration
9 mo
Recovery Time
-6.0%
Avg Drawdown
Calmar Ratio by Duration
0.43
1Y
0.39
3Y
0.37
5Y
0.36
7Y
0.40
10Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +7.03 | 1.11 | 110.0% | 101.6% | 6.5% | 0.2% |
| 3 Years | +9.00 | 1.04 | 104.5% | 93.0% | 17.6% | 8.5% |
| 5 Years | +5.07 | 1.04 | 101.9% | 95.4% | 14.1% | 9.0% |
| 7 Years | +2.72 | 1.10 | 108.5% | 105.6% | 15.8% | 12.5% |
| 10 Years | +4.19 | 1.09 | 108.1% | 103.3% | 15.9% | 11.2% |
| 12 Years | +5.12 | 1.09 | 107.6% | 101.6% | 14.4% | 9.1% |
| 15 Years | +4.12 | 1.09 | 107.6% | 101.6% | 11.4% | 7.2% |
31
Total Holdings
71.6%
Top 10 Weight
4
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd. | 18.15% |
| 2 | ICICI Bank Ltd. | 13.40% |
| 3 | Kotak Mahindra Bank Ltd. | 9.75% |
| 4 | State Bank of India | 6.94% |
| 5 | Bajaj Finance Ltd. | 5.61% |
| 6 | HDFC Life Insurance Company Ltd. | 4.43% |
| 7 | Muthoot Finance Ltd. | 4.41% |
| 8 | Axis Bank Ltd. | 3.74% |
| 9 | Bank of Baroda | 2.87% |
| 10 | Cholamandalam Investment & Finance Co. Ltd. | 2.31% |