Sharpe ratio
0.49Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.70%1Y Absolute Return
-0.50%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 |
|---|---|---|---|---|
| SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTHFund 5Y annualised return | ₹10,14,799 | ₹7,32,612 | ₹2,82,187 | +13.17% |
| 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 age11.7 yrs
Fund information
Scheme code133859
ISININF200KA1507
BenchmarkNIFTY Financial Services TRI
CategoryEquity Scheme - Sectoral/ Thematic
Expense ratio0.41%
Exit loadExit load of 0.50% if redeemed within 30 days.
Minimum SIP₹500 SIP
Return comparison
433rd / 932 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +207.19% | — | — |
| 3M | +25.72% | — | — |
| 6M | +19.59% | — | — |
| 1Y | +3.70% | — | +4.16% |
| 3Y | +18.05% | — | +12.54% |
| 5Y | +13.17% | — | +10.04% |
| 10Y | +16.06% | — | — |
| Since Launch | +14.92% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.68Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
17.20%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
0.34How 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 36 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| HDFC Bank Ltd | Financial | Equity | 16.97% |
| ICICI Bank Ltd | Financial | Equity | 10.65% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 9.68% |
| Bajaj Finance Ltd | Financial | Equity | 8.12% |
| Repo | Unspecified | Repo | 7.79% |
| State Bank of India | Financial | Equity | 6.93% |
| HDFC Life Insurance Co Ltd | Financial | Equity | 4.21% |
| Muthoot Finance Ltd | Financial | Equity | 3.34% |
| Bank Of Baroda | Financial | Equity | 2.99% |
| Cholamandalam Investment & Finance Company Ltd | Financial | Equity | 2.38% |
Fund management
PR
Pradeep Kesavan
Since 2023 · Prior to joining SBI MF, he has worked with Elara Capital, Accenture Strategy, Morgan Stanley and 3i Infotech
Mr. Kesavan has done B.Com, MBA (Finance) and CFA
MI
Milind Agrawal
Since 2019 · Prior to joining SBI Mutual Fund he had worked with Goldman Sachs Services Pvt. Ltd. and Vadilal Enterprises Ltd.
B. Tech.- Mechanical Engineering, PGDM - Finance, CFA
Compare similar funds
No comparable category funds are available yet.
Summary
A high riskometer-risk equity scheme - sectoral/ thematic fund. Ahead of its category average over 3Y by 5.5 points. Top 10 holdings make up 67% — a handful of stocks can swing returns sharply.
Strengths
- Ahead of its category average over 3Y by 5.5 points.
- Same fund manager for 7+ years — the strategy has not chopped and changed.
Weaknesses
- Top 10 holdings make up 67% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -43.8% at its worst.
Ideal investor
- Needs a 5–7+ years horizon to ride out its high riskometer risk level.
- Good fit for SIPs — spreading purchases smooths out 17.2% volatility.
Risk drivers
- Top 10 holdings = 67% of the portfolio.
- Financial makes up 88% — trouble in that sector hits the whole fund.
- Corrections have been sharp — worst fall -43.8% with 17.2% volatility. Took 9 months to recover last time.