Sharpe ratio
0.48Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+0.26%1Y Absolute Return
-0.56%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 |
|---|---|---|---|---|
| ICICI Prudential Banking and Financial Services Fund - Direct Plan - GrowthFund 5Y annualised return | ₹9,36,223 | ₹7,32,612 | ₹2,03,611 | +10.03% |
| 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₹1.15
₹1 Lakh since launch₹1.15 Lakh
Fund age13.9 yrs
Fund information
Scheme code120244
ISININF109K013J1
BenchmarkNIFTY Financial Services TRI
CategoryEquity Scheme - Sectoral/ Thematic
Expense ratio1.25%
Exit loadExit load of 1% if redeemed within 15 days
Minimum SIP₹100 SIP
Return comparison
577th / 932 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +175.70% | — | — |
| 3M | +25.54% | — | — |
| 6M | +18.77% | — | — |
| 1Y | +0.26% | — | +4.16% |
| 3Y | +12.31% | — | +12.54% |
| 5Y | +10.03% | — | +10.04% |
| 10Y | +12.81% | — | — |
| Since Launch | +14.70% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.67Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
15.86%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
0.31How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared 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 69 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 14.026% |
| HDFC Bank Ltd | Financial | Equity | 11.8172% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 8.7941% |
| Axis Bank Ltd | Financial | Equity | 8.4313% |
| State Bank of India | Financial | Equity | 7.3635% |
| Cash Margin | Unspecified | Cash Margin | 4.1311% |
| SBI Cards & Payments Services Ltd | Financial | Equity | 3.1428% |
| SBI Life Insurance Company Ltd | Financial | Equity | 2.9836% |
| LIC Housing Finance Ltd | Financial | Equity | 2.9351% |
| Repo | Unspecified | Repo | 2.8653% |
Fund management
SH
Sharmila D'Silva
Since 2022 · She joined ICICI Prudential AMC Limited in September 2016.
Ms. D'Silva is CA and BAF
AN
Antariksha Banerjee
Since 2026 · He joined ICICI Prudential AMC, he has been part of the Research team of the AMC.
PGDM (MBA) S. P. Jain Institute of Management & Research, Mumbai
Compare similar funds
No comparable category funds are available yet.
Summary
A high-risk equity scheme - sectoral/ thematic fund. Trailing its category average over 3Y by 0.2 points.
Strengths
- None
Weaknesses
- Trailing its category average over 3Y by 0.2 points.
- Top 10 holdings make up 65% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -47.8% at its worst.
- Ranks 577 of 932 in its category over 1 year.
Ideal investor
- Needs a 5–7+ years horizon to ride out its high risk level.
- Good fit for SIPs — spreading purchases smooths out 15.9% volatility.
Risk drivers
- Top 10 holdings = 65% of the portfolio.
- Financial makes up 94% — trouble in that sector hits the whole fund.
- Corrections have been sharp — worst fall -47.8% with 15.9% volatility. Took 10 months to recover last time.