Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 93% of 3-year investment horizons.
- Cost-efficient: expense ratio of 1.98% is lower than category median (2.52%).
- Over 13 years of operational history across different market cycles.
- Experienced a maximum drawdown of -47.6% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +6.60% | +6.32% | +0.28% |
| 3 Months | +0.55% | -0.20% | +0.75% |
| 6 Months | +4.65% | +5.98% | -1.33% |
| 1 Year | +1.73% | +3.90% | -2.17% |
| 3 Years CAGR | +10.55% | +13.23% | -2.68% |
| 5 Years CAGR | +9.65% | +10.72% | -1.07% |
| 7 Years CAGR | +11.18% | +15.35% | -4.17% |
| 10 Years CAGR | +12.11% | +14.26% | -2.15% |
| Since Inception | +15.58% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in Aditya Birla Sun Life Banking and Financial Services Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | -0.71% | +4.03% | -4.74% |
| 2025 | +17.49% | +1.43% | +16.06% |
| 2024 | +8.72% | +20.41% | -11.69% |
| 2023 | +21.75% | +30.70% | -8.95% |
| 2022 | +11.46% | +1.66% | +9.80% |
| 2021 | +16.81% | +30.31% | -13.50% |
| 2020 | +1.14% | +13.54% | -12.40% |
| 2019 | +14.94% | +7.11% | +7.83% |
| 2018 | -2.42% | -5.94% | +3.52% |
| 2017 | +47.63% | +39.22% | +8.41% |
| 2016 | +15.71% | +4.10% | +11.61% |
| 2015 | -0.55% | +1.85% | -2.40% |
| 2014 | +65.76% | +52.06% | +13.70% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -43.81% | +16.71% | +14.26% | +103.51% | 80.1% | 53.6% |
| 3-Year Rolling | -10.79% | +14.43% | +14.88% | +34.86% | 93.3% | 34.9% |
| 5-Year Rolling | -0.07% | +12.94% | +12.87% | +28.12% | 99.9% | 30.9% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-01-02 | 2020-03-23 | -47.6% | 3 months | 9 months |
| 2015-03-03 | 2016-02-25 | -23.1% | 12 months | 3 months |
| 2018-08-20 | 2018-10-26 | -22.8% | 2 months | 13 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Under normal circumstances, the asset allocation of the Scheme will be as follows: | Per Scheme Mandate |
| Equity & Equity related instruments of Banking & Financial Services Companies | 80%-100% |
| Equity and Equity related Instruments of companies other than above | 0%-20% |
| Units issued by InVITs | 0% - 10% |
| Money Market & Liquid* instruments | 0% - 20% |
| Units in Mutual Funds# | 0% - 5% |
| *As defined by SEBI | Per Scheme Mandate |
| #The Scheme will invest in units of Overnight schemes Liquid Schemes and Money Market Schemes of Aditya Birla Sun Life Mutual Fund and other fund houses for liquidity and cash management purposes. | Per Scheme Mandate |
Investment Objective & Strategy
The primary investment objective of the Scheme is to generate long-term capital appreciation to unitholders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 3,657 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as stretched relative to Sectoral / Thematic schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Sectoral / Thematic Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| UTI India Consumer Fund | 3.5 | +10.12% | 2.43% | 115.3% | Rs 742 cr | Compare → |
| SBI TECHNOLOGY OPPORTUNITIES FUND | 5.4 | +10.26% | 1.97% | 54.3% | Rs 4,546 cr | Compare → |
| Mirae Asset Great Consumer Fund | 5.3 | +10.37% | 2.06% | 112.0% | Rs 4,796 cr | Compare → |
| BARODA BNP PARIBAS India Consumption Fund | 4.5 | +9.79% | 2.37% | 102.0% | Rs 1,470 cr | Compare → |
| Kotak Quant Fund | 4.5 | +10.96% | 2.50% | 109.8% | Rs 438 cr | Compare → |
Frequently Asked Questions about Aditya Birla Sun Life Banking and Financial Services Fund
What is the expense ratio of Aditya Birla Sun Life Banking and Financial Services Fund?
Aditya Birla Sun Life Banking and Financial Services Fund has a total expense ratio (TER) of 1.98% with a base expense ratio of 1.64%, compared to the Sectoral / Thematic category median of 2.52%.
Who manages Aditya Birla Sun Life Banking and Financial Services Fund?
Aditya Birla Sun Life Banking and Financial Services Fund is managed by Dhaval Gala (tenure: 11.2 years since 2015-08-26).
What are the historical returns of Aditya Birla Sun Life Banking and Financial Services Fund?
Aditya Birla Sun Life Banking and Financial Services Fund delivered a 3-year CAGR of 10.55% and a 5-year CAGR of 9.65%. Its 1-year return stands at +1.73%.
How large is Aditya Birla Sun Life Banking and Financial Services Fund?
Aditya Birla Sun Life Banking and Financial Services Fund manages assets of Rs 3,657 cr, placing it in the 'stretched' size band relative to Sectoral / Thematic peers.
How is Aditya Birla Sun Life Banking and Financial Services Fund scored on MFIQ?
Aditya Birla Sun Life Banking and Financial Services Fund holds an MFIQ Score of 4.5/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is Aditya Birla Sun Life Banking and Financial Services Fund?
Aditya Birla Sun Life Banking and Financial Services Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 16.30% with a maximum historical drawdown of -47.58%.