Aditya Birla Sun Life Banking & Financial Services Fund
Sectoral-BankingVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹60.43+0.47%1 day
- Return since launch
- 15.2%
- 52-week range
- ₹54.65 — ₹65.47
- AUM
- ₹3,668 Cr
Aditya Birla Sun Life Banking & Financial Services Fund is a Sectoral-Banking equity fund from Aditya Birla Sun Life Mutual Fund with ₹3,668 Cr under management, launched in 2013. Over three years it has returned 4.5% a year, against 10.8% for its category. The expense ratio is 2.01% and the SEBI riskometer reading is Very High.
Performance
Aditya Birla Sun Life Banking & Financial Services Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +1.4% against +2.1% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | -5.4% | −8.8 pts | 3.4% | -3.7% |
| 2Y | 1.4% | −0.9 pts | 2.4% | 2.0% |
| 3Y | 4.5% | −6.3 pts | 10.8% | 4.8% |
| 5Y | 9.3% | −0.4 pts | 9.6% | 9.1% |
| 7Y | 11.9% | −0.3 pts | 12.2% | 11.2% |
| 10Y | 11.0% | −0.3 pts | 11.3% | 10.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -5.8% | −0.7 pts | -5.0% | -3.9% |
| 3M | -4.8% | −1.4 pts | -3.5% | -3.4% |
| 6M | 6.8% | −0.6 pts | 7.4% | 7.3% |
| 1Y | 1.4% | −2.0 pts | 3.4% | 2.0% |
| 2Y | 0.1% | −1.3 pts | 1.4% | 1.2% |
| 3Y | 8.3% | −2.5 pts | 10.8% | 9.3% |
| 5Y | 8.6% | −1.1 pts | 9.6% | 8.7% |
| 7Y | 11.0% | 0.0 pts | 11.0% | 9.8% |
| 10Y | 10.7% | −0.6 pts | 11.3% | 10.1% |
Since launch (25 Nov 2013): 15.2%
Calendar-year returns
Category average1.1%
16.8%
11.5%
21.7%
8.6%
17.5%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 17.5% | −1.1 pts | 18.6% |
| 2024 | 8.6% | −3.3 pts | 12.0% |
| 2023 | 21.7% | +0.3 pts | 21.4% |
| 2022 | 11.5% | −5.1 pts | 16.5% |
| 2021 | 16.8% | +0.4 pts | 16.4% |
| 2020 | 1.1% | +1.2 pts | -0.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.02%
Expense ratio as on 24 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.65%
- Brokerage
- 0.03%
- Transaction charges
- 0.00%
- Statutory levies
- 0.34%
- Exit load
- Exit load of 1% if redeemed within 30 days.
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- NIFTY Financial Services TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | 0.00 | 6.55 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 1.01 | 0.92 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.38 | 0.75 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.54 | 0.96 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 16.16 | 16.34 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Aditya Birla Sun Life Banking & Financial Services Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Equity98.4%
- Other1.6%
Market cap split
- Large66.0%
- Mid13.7%
- Small20.3%
- P/E
- 18.19
- P/B
- 2.45
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| ICICI Bank Ltd. | Financial | 14.16% | ₹519 Cr | +13.48% | +13.96% | +20.41% |
| HDFC Bank Ltd. | Financial | 9.78% | ₹359 Cr | +10.87% | +13.07% | +18.57% |
| Axis Bank Ltd. | Financial | 7.93% | ₹291 Cr | +8.54% | +8.67% | +7.13% |
| Bajaj Finance Ltd. | Financial | 6.89% | ₹253 Cr | +11.20% | +11.59% | +11.12% |
| Shriram Finance Ltd | Financial | 5.71% | ₹209 Cr | +5.16% | +3.52% | +2.06% |
| State Bank of India | Financial | 5.18% | ₹190 Cr | +5.34% | +6.28% | +6.47% |
| Kotak Mahindra Bank Ltd. | Financial | 3.38% | ₹124 Cr | +3.71% | +4.01% | +2.73% |
| AU Small Finance Bank Ltd. | Financial | 2.91% | ₹107 Cr | +2.97% | +3.51% | +3.08% |
| PNB Housing Finance Ltd. | Financial | 2.88% | ₹106 Cr | +2.73% | +2.06% | +1.06% |
| PB Fintech Ltd. | Services | 2.88% | ₹106 Cr | +2.76% | +1.46% | — |
| Bank of Maharashtra | Financial | 2.73% | ₹100 Cr | +2.87% | +2.55% | — |
| SBI Life Insurance Company Ltd. | Insurance | 2.53% | ₹92.84 Cr | +2.82% | +2.46% | +2.38% |
| City Union Bank Ltd. | Financial | 2.36% | ₹86.74 Cr | +2.09% | +1.72% | +0.84% |
| Tata Capital Ltd. | Financial | 2.27% | ₹83.37 Cr | +2.00% | +1.81% | — |
| Billionbrains Garage Ventures Ltd. | Financial | 2.27% | ₹83.14 Cr | +2.31% | +1.63% | — |
| Aptus Value Housing Finance India Ltd. | Financial | 1.79% | ₹65.60 Cr | +1.98% | +1.75% | +1.33% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 1.72% | ₹63.10 Cr | +2.63% | +2.93% | +3.08% |
| Home First Finance Company India Ltd. | Financial | 1.69% | ₹61.91 Cr | +1.20% | — | — |
| Union Bank of India | Financial | 1.67% | ₹61.27 Cr | — | — | — |
| Others | Others | 1.63% | ₹59.77 Cr | +3.49% | +3.27% | +0.27% |
| Ujjivan Small Finance Bank Ltd. | Financial | 1.56% | ₹57.38 Cr | +0.80% | +0.80% | — |
| HDB Financial Services Ltd. | Financial | 1.49% | ₹54.76 Cr | +1.54% | +1.85% | +3.30% |
| ICICI Prudential Asset Management Company Ltd. | Unclassified | 1.41% | ₹51.73 Cr | +1.95% | +1.62% | — |
| RBL Bank Ltd. | Financial | 1.33% | ₹48.64 Cr | +1.27% | +1.11% | +0.99% |
| Cholamandalam Financial Holdings Ltd. | Financial | 1.11% | ₹40.84 Cr | +1.45% | +2.32% | +3.19% |
| Prudent Corporate Advisory Services Ltd. | Financial | 1.01% | ₹37.16 Cr | +0.79% | +0.65% | +0.36% |
| Computer Age Management Services Ltd. | Services | 1.01% | ₹37.02 Cr | +1.20% | +0.97% | +1.15% |
| HDFC Life Insurance Co Ltd. | Insurance | 1.00% | ₹36.77 Cr | +0.74% | — | — |
| Go Digit General Insurance Ltd. | Insurance | 0.99% | ₹36.21 Cr | +0.44% | +0.46% | +0.21% |
| Star Health and Allied Insurance Company Ltd. | Insurance | 0.96% | ₹35.22 Cr | +0.94% | +0.79% | +0.49% |
| company:896 | Financial | 0.93% | ₹34.01 Cr | — | — | — |
| SBI Funds Management Ltd. | Financial | 0.88% | ₹32.21 Cr | — | — | — |
| Karur Vysya Bank Ltd. | Financial | 0.70% | ₹25.84 Cr | +0.62% | +0.66% | — |
| Anand Rathi Share and Stock Brokers Ltd. | Financial | 0.67% | ₹24.68 Cr | +0.75% | +0.67% | — |
| Fusion Finance Ltd. | Financial | 0.55% | ₹20.20 Cr | +0.52% | +0.52% | +0.25% |
| Five-Star Business Finance Ltd. | Financial | 0.55% | ₹20.13 Cr | — | — | — |
| MAS Financial Services Ltd. | Financial | 0.41% | ₹15.16 Cr | +0.47% | +0.47% | +0.49% |
| 360 One Wam Ltd. | Financial | 0.38% | ₹13.76 Cr | +0.37% | — | — |
| company:17109 | Services | 0.37% | ₹13.74 Cr | — | — | — |
| Canara Robeco Asset Management Company Ltd. | Unclassified | 0.28% | ₹10.37 Cr | +0.49% | +0.77% | — |
| company:5765 | Insurance | 0.04% | ₹1.52 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Union Bank of India | 0.37% | 1.67% | +1.30% |
| company:896 | 0.00% | 0.93% | +0.93% |
| SBFC Finance Ltd. | 0.86% | 0.00% | -0.86% |
| HDFC Bank Ltd. | 10.37% | 9.78% | -0.59% |
| PB Fintech Ltd. | 2.47% | 2.88% | +0.41% |
| company:17109 | 0.00% | 0.37% | +0.37% |
| Shriram Finance Ltd | 5.41% | 5.71% | +0.30% |
| PNB Housing Finance Ltd. | 2.65% | 2.88% | +0.23% |
| ICICI Prudential Asset Management Company Ltd. | 1.63% | 1.41% | -0.22% |
| City Union Bank Ltd. | 2.14% | 2.36% | +0.22% |
| SBI Life Insurance Company Ltd. | 2.75% | 2.53% | -0.22% |
| Kotak Mahindra Bank Ltd. | 3.16% | 3.38% | +0.22% |
| Canara Robeco Asset Management Company Ltd. | 0.46% | 0.28% | -0.18% |
| Axis Bank Ltd. | 7.76% | 7.93% | +0.17% |
| ICICI Bank Ltd. | 14.31% | 14.16% | -0.15% |
| State Bank of India | 5.05% | 5.18% | +0.13% |
| Prudent Corporate Advisory Services Ltd. | 0.91% | 1.01% | +0.10% |
| Aptus Value Housing Finance India Ltd. | 1.89% | 1.79% | -0.10% |
| AU Small Finance Bank Ltd. | 3.01% | 2.91% | -0.10% |
| Bank of Maharashtra | 2.65% | 2.73% | +0.08% |
| ICICI Lombard General Insurance Company Ltd. | 1.79% | 1.72% | -0.07% |
| Ujjivan Small Finance Bank Ltd. | 1.63% | 1.56% | -0.07% |
| Star Health and Allied Insurance Company Ltd. | 1.02% | 0.96% | -0.06% |
| Home First Finance Company India Ltd. | 1.73% | 1.69% | -0.04% |
| Bajaj Finance Ltd. | 0.63% | 0.59% | -0.04% |
| Cholamandalam Financial Holdings Ltd. | 1.16% | 1.11% | -0.04% |
| company:5765 | 0.00% | 0.04% | +0.04% |
| Billionbrains Garage Ventures Ltd. | 2.31% | 2.27% | -0.04% |
| Computer Age Management Services Ltd. | 1.03% | 1.01% | -0.02% |
| Fusion Finance Ltd. | 0.57% | 0.55% | -0.02% |
| MAS Financial Services Ltd. | 0.44% | 0.41% | -0.02% |
| SBI Funds Management Ltd. | 0.90% | 0.88% | -0.02% |
| HDB Financial Services Ltd. | 1.51% | 1.49% | -0.02% |
| HDFC Life Insurance Co Ltd. | 1.02% | 1.00% | -0.01% |
| Five-Star Business Finance Ltd. | 0.53% | 0.55% | +0.01% |
| 360 One Wam Ltd. | 0.36% | 0.38% | +0.01% |
| RBL Bank Ltd. | 1.32% | 1.33% | +0.01% |
| Karur Vysya Bank Ltd. | 0.70% | 0.70% | +0.01% |
| Go Digit General Insurance Ltd. | 0.98% | 0.99% | +0.01% |
| Anand Rathi Share and Stock Brokers Ltd. | 0.68% | 0.67% | -0.01% |
| Others | 1.10% | 1.09% | -0.01% |
| Tata Capital Ltd. | 2.27% | 2.27% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹2,982 Cr | 2.23% | -0.6% | 8.8% | 12.4% |
 SBI Banking & Financial Services Fund | ₹10,873 Cr | 2.16% | -7.2% | 6.8% | 11.6% |
 Invesco India Financial Services Fund | ₹1,896 Cr | 2.19% | -3.1% | 7.8% | 13.2% |
 Bandhan Financial Services Fund | ₹1,122 Cr | 2.49% | -2.7% | 5.5% | — |
 Quant BFSI Fund | ₹922 Cr | 3.48% | 14.7% | 15.3% | — |
 Kotak Nifty Financial Services Ex-Bank Index Fund | ₹99.18 Cr | 0.83% | -4.7% | 8.6% | — |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme aims to maximize long term capital appreciation by investing primarily in equity & equity related securities of companies engaged in banking & financial services. The scheme would invest in banks as well as NBFC's, insurance companies, rating agencies, broking companies, etc.
Fund managers
- Dhaval GalaMr. Gala has done BMS from Mithibai College and PGDBM-Finance from N.L.Dalmia Institute of Management Studies & Research.Prior to joining Aditya Birla Sun Life Mutual Fund, he has worked with B&K Securities( January 2008- February 2011) and J.P.Morgan Chase India Private Ltd ( May 2005-July 2006).
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months6.80% absolute | ₹60,000 | ₹64,080 | 6.80% | |
| 1 year1.43% annualised | ₹1,20,000 | ₹1,20,934 | 0.78% | |
| 3 years8.30% annualised | ₹3,60,000 | ₹4,10,011 | 13.89% | |
| 5 years8.56% annualised | ₹6,00,000 | ₹7,50,912 | 25.15% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Aditya Birla Sun Life Banking & Financial Services Fund?
The NAV of Aditya Birla Sun Life Banking & Financial Services Fund is ₹60.43 as on 25 Sep 2026.
What is the expense ratio of Aditya Birla Sun Life Banking & Financial Services Fund?
The expense ratio of Aditya Birla Sun Life Banking & Financial Services Fund is 2.01% per year.
What is the minimum SIP amount for Aditya Birla Sun Life Banking & Financial Services Fund?
You can start a SIP in Aditya Birla Sun Life Banking & Financial Services Fund with ₹3,000 a month.
What returns has Aditya Birla Sun Life Banking & Financial Services Fund given?
Aditya Birla Sun Life Banking & Financial Services Fund has returned -5.4% over 1 year, 4.5% over 3 years and 9.3% over 5 years (annualised).
Is there a lock-in or exit load on Aditya Birla Sun Life Banking & Financial Services Fund?
Lock-in: None. Exit load: Exit load of 1% if redeemed within 30 days..
How risky is Aditya Birla Sun Life Banking & Financial Services Fund?
Aditya Birla Sun Life Banking & Financial Services Fund is rated Very High on the SEBI riskometer and belongs to the Sectoral-Banking category.
Which fund house manages Aditya Birla Sun Life Banking & Financial Services Fund?
Aditya Birla Sun Life Banking & Financial Services Fund is managed by Aditya Birla Sun Life Mutual Fund, which runs 86 schemes with ₹4,32,524 Cr under management.