Sharpe ratio
0.40Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.02%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 |
|---|---|---|---|---|
| ITI Banking and Financial Services Fund - Direct Plan - Growth OptionFund 3Y annualised return · 5Y history unavailable | ₹10,38,316 | ₹7,32,612 | ₹3,05,704 | +14.05% |
| 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₹1.12
₹1 Lakh since launch₹1.12 Lakh
Fund age4.9 yrs
Fund information
Scheme code149321
ISININF00XX01BU6
BenchmarkNIFTY Financial Services TRI
CategoryEquity Scheme - Sectoral/ Thematic
Expense ratio1.08%
Exit loadExit load of 0.50%, if redeemed within 3 months.
Minimum SIP₹500 SIP
Return comparison
371st / 932 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +160.36% | — | — |
| 3M | +8.11% | — | — |
| 6M | +18.01% | — | — |
| 1Y | +5.02% | — | +4.16% |
| 3Y | +14.05% | — | +12.54% |
| Since Launch | +12.01% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.56Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
18.35%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
0.72How 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 35 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| ICICI Bank Ltd | Financial | Equity | 11.15% |
| Bajaj Finance Ltd | Financial | Equity | 8.09% |
| HDFC Bank Ltd | Financial | Equity | 8.08% |
| State Bank of India | Financial | Equity | 7.67% |
| Axis Bank Ltd | Financial | Equity | 7.18% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 5.08% |
| Shriram Transport Finance Company Ltd | Financial | Equity | 4.9% |
| BSE Ltd | Financial | Equity | 3.73% |
| Cholamandalam Investment & Finance Company Ltd | Financial | Equity | 3.13% |
| Repo/CBLO | Unspecified | Repo/CBLO | 2.97% |
Fund management
NI
Nilay Dalal
Since 2023 · Prior to joining ITI Mutual Fund, he has with Axis Asset Management Company, SBI Life Insurance Company Ltd & MAQ Software Pvt Ltd.
Mr. Nilay holds a degree in B.E (Computer) from D.J Sanghvi College of Engg & master’s in management studies in KJ Somaiya Institute of Management Studies & Research.
AN
Animesh Singh
Since 2026 · Prior to joining the ITI AMC, he was associated with Julius Baer wealth Advisor, Centrum Wealth, Nippon Life India Asset Management Ltd, Reliance Portfolio Management Services, KSBL and SSKI Securities.
Post Graduate Diploma in Management, Bachelor of Honours -(Economics) CFA - USA Certification.
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 1.5 points. Top 10 holdings make up 61% — a handful of stocks can swing returns sharply.
Strengths
- Ahead of its category average over 3Y by 1.5 points.
- Losses and swings stayed contained — worst fall -16.7%, volatility 18.4%.
Weaknesses
- Top 10 holdings make up 61% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 5–7+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 18.4% volatility.
Risk drivers
- Top 10 holdings = 61% of the portfolio.
- Financial makes up 95% — trouble in that sector hits the whole fund.