Aditya Birla Sun Life Banking & Financial Services Fund
Sectoral-BankingVery HighOPEN-ENDED
- NAV as on 6 Nov 2026
- ₹63.07+1.73%1 day
- Return since launch
- 15.5%
- 52-week range
- ₹54.65 — ₹65.47
- AUM
- ₹3,406 Cr
Aditya Birla Sun Life Banking & Financial Services Fund is a Sectoral-Banking equity fund from Aditya Birla Sun Life Mutual Fund with ₹3,406 Cr under management, launched in 2013. Over three years it has returned 6.8% a year, against 12.3% for its category. The expense ratio is 2.02% 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 +0.3% against +1.7% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 2.9% | +1.2 pts | 1.8% | 6.8% |
| 2Y | 5.5% | −1.3 pts | 6.9% | 7.3% |
| 3Y | 6.8% | −5.5 pts | 12.3% | 7.8% |
| 5Y | 10.3% | +0.4 pts | 9.9% | 10.7% |
| 7Y | 12.6% | −0.4 pts | 13.0% | 12.2% |
| 10Y | 11.5% | −0.4 pts | 11.9% | 11.0% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 5.0% | −1.1 pts | 6.2% | 7.8% |
| 3M | -0.7% | −1.5 pts | 0.8% | 1.6% |
| 6M | 0.4% | −2.4 pts | 2.8% | 4.7% |
| 1Y | 0.3% | −1.4 pts | 1.8% | 1.6% |
| 2Y | 5.4% | −1.3 pts | 6.7% | 6.8% |
| 3Y | 10.2% | −2.1 pts | 12.3% | 11.3% |
| 5Y | 8.9% | −1.0 pts | 9.9% | 9.1% |
| 7Y | 11.0% | −0.3 pts | 11.3% | 10.1% |
| 10Y | 11.4% | −0.5 pts | 11.9% | 10.7% |
Since launch (25 Nov 2013): 15.5%
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
1.99%
Expense ratio as on 5 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.65%
- Brokerage
- 0.02%
- Transaction charges
- 0.00%
- Statutory levies
- 0.32%
- 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 | -0.75 | 4.32 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 1.01 | 0.95 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.21 | 0.48 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.29 | 0.64 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 16.64 | 17.05 | 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 30 Sep 2026
Asset allocation
- Equity98.9%
- Other1.1%
Market cap split
- Large66.2%
- Mid13.7%
- Small20.1%
- P/E
- 17.11
- P/B
- 2.31
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| ICICI Bank Ltd. | Financial | 13.86% | ₹472 Cr | +13.61% | +14.21% | +18.27% |
| HDFC Bank Ltd. | Financial | 10.52% | ₹358 Cr | +10.98% | +12.54% | +18.14% |
| Axis Bank Ltd. | Financial | 8.05% | ₹274 Cr | +8.43% | +8.47% | +7.55% |
| Bajaj Finance Ltd. | Financial | 6.73% | ₹229 Cr | +0.28% | +5.43% | +6.19% |
| Shriram Finance Ltd | Financial | 5.44% | ₹185 Cr | +5.35% | +5.22% | +2.14% |
| State Bank of India | Financial | 5.05% | ₹172 Cr | +5.36% | +5.96% | +6.87% |
| Kotak Mahindra Bank Ltd. | Financial | 3.62% | ₹123 Cr | +3.57% | +3.97% | +4.10% |
| PNB Housing Finance Ltd. | Financial | 3.02% | ₹103 Cr | +2.60% | +2.20% | +1.19% |
| AU Small Finance Bank Ltd. | Financial | 2.91% | ₹99.20 Cr | +2.95% | +3.60% | +3.07% |
| Bank of Maharashtra | Financial | 2.84% | ₹96.80 Cr | +3.12% | +2.44% | — |
| SBI Life Insurance Company Ltd. | Insurance | 2.66% | ₹90.49 Cr | +2.56% | +2.50% | +2.30% |
| Billionbrains Garage Ventures Ltd. | Financial | 2.34% | ₹79.62 Cr | +2.38% | +1.75% | — |
| Tata Capital Ltd. | Financial | 2.18% | ₹74.32 Cr | +2.26% | +2.05% | — |
| City Union Bank Ltd. | Financial | 2.16% | ₹73.51 Cr | +2.15% | +1.70% | +1.39% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 1.88% | ₹64.03 Cr | +1.91% | +3.06% | +3.09% |
| Aptus Value Housing Finance India Ltd. | Financial | 1.80% | ₹61.30 Cr | +2.00% | +1.63% | +2.44% |
| PB Fintech Ltd. | Services | 1.76% | ₹59.89 Cr | +2.49% | +1.64% | — |
| Home First Finance Company India Ltd. | Financial | 1.72% | ₹58.72 Cr | +1.65% | — | — |
| Ujjivan Small Finance Bank Ltd. | Financial | 1.65% | ₹56.04 Cr | +0.81% | +0.81% | — |
| Union Bank of India | Financial | 1.63% | ₹55.54 Cr | +0.78% | — | — |
| RBL Bank Ltd. | Financial | 1.51% | ₹51.58 Cr | +1.28% | +1.17% | +1.03% |
| HDB Financial Services Ltd. | Financial | 1.46% | ₹49.86 Cr | +1.64% | +1.42% | +3.11% |
| ICICI Prudential Asset Management Company Ltd. | Financial | 1.23% | ₹41.96 Cr | +1.73% | +1.70% | — |
| Cholamandalam Financial Holdings Ltd. | Financial | 1.12% | ₹38.11 Cr | +1.43% | +2.26% | +3.41% |
| Others | Others | 1.10% | ₹37.45 Cr | +3.21% | +3.65% | +0.26% |
| Go Digit General Insurance Ltd. | Insurance | 1.07% | ₹36.59 Cr | +1.24% | +0.52% | +0.50% |
| HDFC Life Insurance Co Ltd. | Insurance | 1.04% | ₹35.27 Cr | +1.06% | — | — |
| Star Health and Allied Insurance Company Ltd. | Insurance | 0.97% | ₹33.17 Cr | +0.99% | +0.90% | +0.80% |
| Computer Age Management Services Ltd. | Services | 0.93% | ₹31.77 Cr | +1.13% | +1.04% | +1.14% |
| Prudent Corporate Advisory Services Ltd. | Financial | 0.93% | ₹31.64 Cr | +0.82% | +0.70% | +0.32% |
| Piramal Finance Ltd. | Financial | 0.89% | ₹30.22 Cr | — | — | — |
| National Stock Exchange | Financial | 0.74% | ₹25.17 Cr | — | — | — |
| Anand Rathi Share and Stock Brokers Ltd. | Financial | 0.73% | ₹24.99 Cr | +0.73% | +0.64% | +0.63% |
| SBI Funds Management Ltd. | Financial | 0.72% | ₹24.42 Cr | — | — | — |
| Karur Vysya Bank Ltd. | Financial | 0.71% | ₹24.14 Cr | +0.60% | +0.68% | — |
| 360 One Wam Ltd. | Financial | 0.66% | ₹22.36 Cr | +0.34% | — | — |
| Five-Star Business Finance Ltd. | Financial | 0.57% | ₹19.44 Cr | +0.49% | — | — |
| Moneyview Ltd. | Financial | 0.56% | ₹19.00 Cr | — | — | — |
| Fusion Finance Ltd. | Financial | 0.52% | ₹17.65 Cr | +0.52% | +0.44% | +0.27% |
| One 97 Communications Ltd. | Services | 0.39% | ₹13.43 Cr | — | — | — |
| MAS Financial Services Ltd. | Financial | 0.17% | ₹5.67 Cr | +0.42% | +0.47% | +0.47% |
| Canara Robeco Asset Management Company Ltd. | Financial | 0.15% | ₹5.14 Cr | +0.47% | +0.78% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Bajaj Finance Ltd. | 0.59% | 6.73% | +6.14% |
| PB Fintech Ltd. | 2.88% | 1.76% | -1.12% |
| HDFC Bank Ltd. | 9.78% | 10.52% | +0.75% |
| National Stock Exchange | 0.00% | 0.74% | +0.74% |
| Moneyview Ltd. | 0.00% | 0.56% | +0.56% |
| ICICI Bank Ltd. | 14.16% | 13.86% | -0.30% |
| 360 One Wam Ltd. | 0.38% | 0.66% | +0.28% |
| Shriram Finance Ltd | 5.71% | 5.44% | -0.27% |
| MAS Financial Services Ltd. | 0.41% | 0.17% | -0.25% |
| Kotak Mahindra Bank Ltd. | 3.38% | 3.62% | +0.24% |
| Others | 1.09% | 0.88% | -0.21% |
| City Union Bank Ltd. | 2.36% | 2.16% | -0.21% |
| RBL Bank Ltd. | 1.33% | 1.51% | +0.19% |
| ICICI Prudential Asset Management Company Ltd. | 1.41% | 1.23% | -0.18% |
| SBI Funds Management Ltd. | 0.88% | 0.72% | -0.16% |
| ICICI Lombard General Insurance Company Ltd. | 1.72% | 1.88% | +0.16% |
| PNB Housing Finance Ltd. | 2.88% | 3.02% | +0.14% |
| Canara Robeco Asset Management Company Ltd. | 0.28% | 0.15% | -0.13% |
| State Bank of India | 5.18% | 5.05% | -0.13% |
| SBI Life Insurance Company Ltd. | 2.53% | 2.66% | +0.13% |
| Axis Bank Ltd. | 7.93% | 8.05% | +0.12% |
| Bank of Maharashtra | 2.73% | 2.84% | +0.11% |
| Tata Capital Ltd. | 2.27% | 2.18% | -0.09% |
| Go Digit General Insurance Ltd. | 0.99% | 1.07% | +0.09% |
| Prudent Corporate Advisory Services Ltd. | 1.01% | 0.93% | -0.08% |
| Ujjivan Small Finance Bank Ltd. | 1.56% | 1.65% | +0.08% |
| Computer Age Management Services Ltd. | 1.01% | 0.93% | -0.08% |
| Billionbrains Garage Ventures Ltd. | 2.27% | 2.34% | +0.07% |
| Anand Rathi Share and Stock Brokers Ltd. | 0.67% | 0.73% | +0.06% |
| company:5765 | 0.04% | 0.00% | -0.04% |
| Piramal Finance Ltd. | 0.93% | 0.89% | -0.04% |
| Union Bank of India | 1.67% | 1.63% | -0.04% |
| Home First Finance Company India Ltd. | 1.69% | 1.72% | +0.04% |
| HDFC Life Insurance Co Ltd. | 1.00% | 1.04% | +0.03% |
| Fusion Finance Ltd. | 0.55% | 0.52% | -0.03% |
| HDB Financial Services Ltd. | 1.49% | 1.46% | -0.03% |
| Five-Star Business Finance Ltd. | 0.55% | 0.57% | +0.02% |
| One 97 Communications Ltd. | 0.37% | 0.39% | +0.02% |
| Star Health and Allied Insurance Company Ltd. | 0.96% | 0.97% | +0.01% |
| Aptus Value Housing Finance India Ltd. | 1.79% | 1.80% | +0.01% |
| Cholamandalam Financial Holdings Ltd. | 1.11% | 1.12% | +0.01% |
| AU Small Finance Bank Ltd. | 2.91% | 2.91% | 0.00% |
| Karur Vysya Bank Ltd. | 0.70% | 0.71% | 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 | ₹2,911 Cr | 2.17% | 6.1% | 10.4% | 13.4% |
 SBI Banking & Financial Services Fund | ₹10,420 Cr | 2.16% | 5.2% | 9.9% | 13.4% |
 Invesco India Financial Services Fund | ₹1,810 Cr | 2.16% | 7.1% | 10.5% | 14.8% |
 UTI Banking and Financial Services Fund | ₹1,339 Cr | 2.37% | 8.7% | 9.4% | 12.1% |
 Quant BFSI Fund | ₹894 Cr | 3.36% | 7.0% | 12.0% | — |
 Kotak Nifty Financial Services Ex-Bank Index Fund | ₹91.11 Cr | 0.82% | 2.3% | 10.1% | — |
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 months0.40% absolute | ₹60,000 | ₹60,240 | 0.40% | |
| 1 year0.32% annualised | ₹1,20,000 | ₹1,20,208 | 0.17% | |
| 3 years10.19% annualised | ₹3,60,000 | ₹4,22,585 | 17.38% | |
| 5 years8.88% annualised | ₹6,00,000 | ₹7,57,434 | 26.24% |
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 ₹63.07 as on 6 Nov 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 2.02% 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 2.9% over 1 year, 6.8% over 3 years and 10.3% 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 ₹4,46,664 Cr under management.