Sharpe ratio
0.64Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.50%1Y Absolute Return
-0.58%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| BANDHAN FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTHFund 3Y annualised return · 5Y history unavailable | ₹10,87,167 | ₹7,32,612 | ₹3,54,555 | +15.80% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.16
₹1 Lakh since launch₹1.16 Lakh
Fund age3.3 yrs
Fund information
Scheme code151816
ISININF194KB1GB2
BenchmarkNIFTY Financial Services TRI
CategoryEquity Scheme - Sectoral/ Thematic
Expense ratio0.98%
Exit loadExit load of 0.5%, if redeemed within 30 days.
Minimum SIP₹100 SIP
Return comparison
436th / 932 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +184.90% | — | — |
| 3M | +16.31% | — | — |
| 6M | +22.85% | — | — |
| 1Y | +3.50% | — | +4.16% |
| 3Y | +15.80% | — | +12.54% |
| Since Launch | +16.20% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.92Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
17.74%How much the fund’s returns fluctuate over time.
High volatility
Returns can swing significantly.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.94How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Allocation data has not been disclosed.
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 63 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 14.63% |
| HDFC Bank Ltd | Financial | Equity | 12.22% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 5.33% |
| Bajaj Finance Ltd | Financial | Equity | 4.71% |
| Axis Bank Ltd | Financial | Equity | 4.4% |
| Cholamandalam Investment & Finance Company Ltd | Financial | Equity | 3.08% |
| State Bank of India | Financial | Equity | 2.99% |
| Max Financial Services Ltd | Financial | Equity | 2.23% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 2.21% |
| Reverse Repo | Unspecified | Reverse Repo | 2.06% |
Fund management
RI
Ritu Modi
Since 2024 · Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund), she has worked with IIFL Mutual Fund, LIC Mutual Fund, she has worked with Ambit Capital as Research Analyst.
Ms. Modi has done B.com and MMS(Finance).
RI
Ritika Behera
Since 2023 · Prior to Bandhan AMC Limited, she was associated with Ocean Dial Asset Management, Elara Securities Pvt Ltd. and Batlivala & Karani Securities Pvt Ltd.
Ms. Behera has done B.Com and MBA (Finance)
HA
Harshal Joshi
Since 2023 · Prior to joining Bandhan Mutual Fund (formerly IDFC Mutual Fund) in 2008 he has worked with ICAP India Pvt. Ltd.
Mr. Joshi is PGDBM from N.L. Dalmia Institute of Management Studies and Research, Mumbai
GA
Gaurav Satra
Since 2024 · Prior to joining Bandhan Mutual Fund, he has worked with various Consultancy Firms as a CA
Mr. Satra has done B.Com and CA
HA
Harshvardhan Agrawal
Since 2024 · Prior to joining Bandhan Mutual Fund, he has worked with Infina Finance Private Ltd, iAlpha Enterprises, Motilal Oswal Financial Services and Aranca India Pvt Ltd.
Mr. Agrawal has done BE, MBA and CFA
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk equity scheme - sectoral/ thematic fund. Ahead of its category average over 3Y by 3.3 points. Financial makes up 93% — trouble in that sector hits the whole fund.
Strengths
- Ahead of its category average over 3Y by 3.3 points.
- Losses and swings stayed contained — worst fall -17.3%, volatility 17.7%.
Weaknesses
- None
Ideal investor
- Needs a 5–7+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 17.7% volatility.
Risk drivers
- Financial makes up 93% — trouble in that sector hits the whole fund.