EquitySectoral/ ThematicRegularIDCWVery High

Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment

Q: What is the NAV of Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment?

As of 20 Aug 2026, the NAV of Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment is ₹23.29 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What are the top holdings of Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment?

Its largest holdings are ICICI Bank Ltd (13.6%), HDFC Bank Ltd (11.0%), Axis Bank Ltd (8.4%), Bajaj Finance Ltd (5.8%) and State Bank of India (5.4%). Holdings are disclosed monthly and change over time.

Q: How risky is Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment?

It is rated very high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 17.3% and its worst peak-to-trough fall in our sample was -56.2%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of -0.15 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment's -0.15 means it has not compensated investors for its volatility over the window. Higher is better.

Aditya Birla Sun Life Mutual Fund · Best Sectoral & Thematic Mutual Funds

NAV

₹23.29

+0.82% 1D

as of 20 Aug 2026

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Performance

-1.35%CAGR

52-week rangePrev NAV ₹23.10

Latest ₹23.29

Low ₹19.9960th percentile of its 52-week rangeHigh ₹25.48

Scorecard

★☆☆☆☆1/5 vs 143 of 247 Sectoral/ Thematic peers

Performance 60%
Risk 15%
Cost 10%
Downside 15%

How this is computed

Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Sectoral/ Thematic (same plan and option). 143 of the 247 Sectoral/ Thematic funds in this cohort carry the full record the stars need, so they are the ones ranked against.

PerformanceBelow avg

3Y CAGR +3.87% · ranks 125 of 247 Sectoral/ Thematic funds

RiskModerate

Volatility 17.3% vs 16.3% category avg

Cost—

Expense ratio not available yet

ConsistencyModerate

83% of rolling 3Y windows were positive

Strengths & concerns

Generated from this fund's own numbers against its sub-category — each point names the figure behind it.

Strengths

No standout strengths identified.

Concerns

Trails the Sectoral/ Thematic average on 1M/6M/1Y — 1Y by 6.07pp
3-year return (+3.87%) trails the Sectoral/ Thematic average (+11.80%)
5-year return (+4.41%) trails the Sectoral/ Thematic average (+9.69%)
Weaker risk-adjusted returns — Sharpe -0.15 below the Sectoral/ Thematic average of 0.23

Key Metrics

Annual fee charged by the fund, already deducted from NAV

Category 2.43%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

Category 28.99

Excess return per unit of total volatility (rf = 6.5%)

-0.15

Category 0.23▼0.38

Scheme Info

Definitions

Plan

Regular · IDCW

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

Exit Load

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Smallest recurring SIP instalment the scheme accepts

Smallest one-time (lumpsum) investment the scheme accepts

Benchmark

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

18 Dec 2013

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

-0.04%

Absolute return over the last 3 months (not annualized)

+6.54%

Absolute return over the last 6 months (not annualized)

-1.77%

Absolute return since 1 Jan of this year (not annualized)

-7.47%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

-1.02%

3-year annualized return (CAGR)

+3.87%

5-year annualized return (CAGR)

+4.41%

10-year annualized return (CAGR)

+3.27%

Annualized return (CAGR) since the fund's inception

+7.00%

Advanced metrics — risk and benchmark ratios

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

17.31%

Excess return per unit of total volatility (rf = 6.5%)

-0.15

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

-0.20

Largest peak-to-trough decline over full history

-56.18%

Benchmark ratios (vs Nifty Bank · 36 monthly returns)

Definitions

Jensen's alpha (annualized): return above what CAPM predicts for the fund's beta vs Nifty Bank

-5.32%

Sensitivity to Nifty Bank moves; 1 = moves with the index

1.01

How much of the fund's movement Nifty Bank explains

82.8%

Excess return per unit of beta (market risk)

-3.01

Active return over the benchmark per unit of tracking error

-0.77

Annualized std dev of fund-minus-benchmark returns

7.64%

Fund's share of benchmark gains in up months (100 = matches index)

90.9%

Fund's share of benchmark losses in down months (lower is better)

119.7%

Computed vs the Nifty Bank price index — the closest match to this fund's mandate. Needs ~3 years of history; a low R² means the fund tracks the index loosely.

Fund vs category average (Sectoral/ Thematic)

Period	Fund	Category avg.	Diff
1M abs	-0.04%	+2.17%	-2.21%
3M abs	+6.54%	+6.84%	-0.30%
6M abs	-1.77%	+5.70%	-7.47%
1Y CAGR	-1.02%	+5.05%	-6.07%
3Y CAGR	+3.87%	+11.80%	-7.93%
5Y CAGR	+4.41%	+9.69%	-5.28%

Category average across peers in Sectoral/ Thematic (up to 247 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Category rank

Vs 247 peers in Sectoral/ Thematic

1Y return

-1.02%

Beats 28.7% · rank #160

3Y return

+3.87%

Beats 12.7% · rank #125

5Y return

+4.41%

Beats 20.6% · rank #86

Sharpe

-0.15

Beats 22.9% · rank #173

Sortino

-0.20

Beats 22.9% · rank #173

Rolling returns

Return for every possible 1Y holding period, not just today’s

This fundNifty Bank

Average

+8.5%

Median

+6.3%

Best

+78.5%

Worst

-44.1%

Positive periods

63.8%

141 overlapping 1Y windows, sampled monthly across the fund’s history.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹6.66L

Absolute

+10.98%

XIRR

+4.25%

Value vs. invested

60 monthly installments of ₹10,000 into Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment, valued at the latest NAV. XIRR annualizes for each installment’s timing.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund	Nifty Bank	Diff
2026part	-7.25%	-3.50%	-3.75%
2025	+8.98%	+17.15%	-8.17%
2024	+1.05%	+5.32%	-4.27%
2023	+14.11%	+12.34%	+1.77%
2022	+5.55%	+21.15%	-15.60%
2021	+10.06%	+13.49%	-3.43%
2020	-6.11%	-2.79%	-3.32%
2019	+6.14%	+18.41%	-12.27%
2018	-12.39%	+6.35%	-18.74%
2017	+33.02%	+40.50%	-7.48%

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in; those years show no benchmark comparison.

History points

3,116

Expense ratio

AUM

Portfolio turnover

Exit load

P/E ratio

P/B ratio

Avg market cap

Taxation

Taxed as equity

This is an equity-oriented fund (≥65% in Indian equities), so gains get the concessional capital-gains rates below — they do not add to your income-tax slab.

Short-term (STCG)

20%

Held under 1 year

Flat, on the whole gain

Long-term (LTCG)

12.5%

Held 1 year or more

On gains above ₹1.25 L per financial year

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Sectoral/ Thematic

Compare all


Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investmentThis fund Aditya Birla Sun Life	★☆☆☆☆	-1.02%	+3.87%	+4.41%	17.26	—	₹3,648Cr
Nippon India Taiwan Equity Fund Nippon India	★★★★☆	+145.04%	+56.91%	—	—	2.40%	₹1,110Cr
HDFC Defence Fund HDFC	★★★★☆	+31.40%	+39.99%	—	65.66	1.78%	₹9,371Cr
HDFC Transportation and Logistics Fund HDFC	★★★★★	+17.51%	+26.92%	—	37.61	2.13%	₹1,685Cr
LIC MF Infrastructure Fund LIC	★★★☆☆	+13.64%	+25.06%	+22.71%	15.39	2.68%	₹1,062Cr
SBI Healthcare Opportunities Fund SBI	★★★★★	+18.89%	+23.23%	+18.11%	55.62	2.00%	₹4,319Cr

Market-cap allocation · AMFI bands, Jul 2026

Equity holdings by company size — 100% of the equity sleeve priced.

Large cap66.6%
Mid cap15.3%
Small cap18.2%

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-56.2%23 Jan 2018 → 23 Mar 2020
Fell over 2.2 years, back to the old high on 14 Oct 2021 — 1.6 years under water after the low.
-29.2%03 Mar 2015 → 25 Feb 2016
Fell over 12 months, back to the old high on 11 Jul 2016 — 5 months under water after the low.
-26.8%26 Oct 2021 → 20 Jun 2022
Fell over 8 months, back to the old high on 31 Jul 2023 — 13 months under water after the low.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

Aditya Birla Sun Life in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

About Equity funds

Equity funds invest mainly in company shares. They carry the highest growth potential over long horizons and the largest short-term swings, so they suit goals several years away.

Frequently asked questions

What is the NAV of Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment?

As of 20 Aug 2026, the NAV of Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment is ₹23.29 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment delivered?

Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment has returned -1.02% over 1 year, +3.87% per year over 3 years, +4.41% per year over 5 years and +7.00% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What are the top holdings of Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment?

Its largest holdings are ICICI Bank Ltd (13.6%), HDFC Bank Ltd (11.0%), Axis Bank Ltd (8.4%), Bajaj Finance Ltd (5.8%) and State Bank of India (5.4%). Holdings are disclosed monthly and change over time.

How risky is Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment?

It is rated very high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 17.3% and its worst peak-to-trough fall in our sample was -56.2%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of -0.15 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment's -0.15 means it has not compensated investors for its volatility over the window. Higher is better.

What is the benchmark of Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment?

Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment is benchmarked against the NIFTY Financial Services Total Return Index. Its alpha and beta on this page are measured against that index.

Who manages Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment?

Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment is managed by Dhaval Gala at Aditya Birla Sun Life.

How is Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment taxed?

Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - IDCW-Re-investment is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.