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ಭಾರತೀಯ ಬ್ಯಾಂಕಿಂಗ್ ವಲಯ - ಅವಲೋಕನ
ಭಾರತದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಟಾಪ್ 7 ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು ಫೈನಾನ್ಸ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು
ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು ಹಣಕಾಸು ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಹೇಗೆ?
Top 7 Equity - Sectoral Funds

ಟಾಪ್ 7 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು ಹಣಕಾಸು ಸೇವೆಗಳ ನಿಧಿಗಳು 2022

Updated on November 18, 2024 , 88781 views

ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು ಹಣಕಾಸು ಸೇವೆಗಳುವಲಯ ನಿಧಿಗಳು ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು ಹಣಕಾಸು ಸೇವೆಗಳನ್ನು ಪೂರೈಸುವ ಕಂಪನಿಗಳಲ್ಲಿ ಪ್ರಾಥಮಿಕವಾಗಿ ಹೂಡಿಕೆ ಮಾಡುವ ಒಂದು ರೀತಿಯ ಇಕ್ವಿಟಿ ವಲಯದ ನಿಧಿಗಳಾಗಿವೆ. ಕಳೆದ ಒಂದು ವರ್ಷದಲ್ಲಿ, ಬ್ಯಾಂಕಿಂಗ್ ವಲಯದ ನಿಧಿಗಳು ಅತ್ಯಂತ ಬಲವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸಿವೆಮಾರುಕಟ್ಟೆ.ಕಳೆದ 6 ತಿಂಗಳುಗಳಲ್ಲಿ, ಕೆಲವು ಉನ್ನತ ಬ್ಯಾಂಕಿಂಗ್ ವಲಯಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು 27 - 31 ರಷ್ಟು ಸರಾಸರಿ ಆದಾಯವನ್ನು ನೀಡಿವೆ. ಅಂತಹ ಹೆಚ್ಚಿನ ಆದಾಯವು ಯಾವಾಗಲೂ ಪ್ರಲೋಭನಕಾರಿಯಾಗಿದೆ ಮತ್ತು ಅನೇಕ ಹೂಡಿಕೆದಾರರು ಕಡೆಗೆ ಸೇರುತ್ತಾರೆಹೂಡಿಕೆ ಅಂತಹ ನಿಧಿಗಳಲ್ಲಿ.

ತಾತ್ತ್ವಿಕವಾಗಿ, ಒಂದುಹೂಡಿಕೆದಾರ ಈಕ್ವಿಟಿಗಳ ಅನುಭವ ಮತ್ತು ಬ್ಯಾಂಕಿಂಗ್ ವಲಯದಲ್ಲಿ ಉತ್ತಮ ಜ್ಞಾನವನ್ನು ಹೊಂದಿರುವವರು ಈ ನಿಧಿಗಳಲ್ಲಿ ಮಾತ್ರ ಹೂಡಿಕೆ ಮಾಡಬೇಕು. ನಿಮ್ಮ ಹೂಡಿಕೆ ಪ್ರಕ್ರಿಯೆಯನ್ನು ಸುಲಭಗೊಳಿಸಲು, ನಾವು ಭಾರತದ ಉನ್ನತ ಪ್ರದರ್ಶನದ ಬೇಕಿಂಗ್ ಸೆಕ್ಟರ್ ಫಂಡ್‌ಗಳನ್ನು ಪಟ್ಟಿ ಮಾಡಿದ್ದೇವೆ.

ಭಾರತೀಯ ಬ್ಯಾಂಕಿಂಗ್ ವಲಯ - ಅವಲೋಕನ

ಭಾರತೀಯ ಬ್ಯಾಂಕಿಂಗ್ ವ್ಯವಸ್ಥೆಯು 27 ಸಾರ್ವಜನಿಕ ವಲಯದ ಬ್ಯಾಂಕುಗಳು, 26 ಖಾಸಗಿ ವಲಯದ ಬ್ಯಾಂಕುಗಳು, 56 ಪ್ರಾದೇಶಿಕ ಗ್ರಾಮೀಣ ಬ್ಯಾಂಕುಗಳು, 46 ವಿದೇಶಿ ಬ್ಯಾಂಕುಗಳು, 93,913 ಗ್ರಾಮೀಣ ಸಹಕಾರಿ ಬ್ಯಾಂಕುಗಳು ಮತ್ತು 1,574 ನಗರ ಸಹಕಾರಿ ಬ್ಯಾಂಕುಗಳು, ಸಹಕಾರ ಸಾಲ ಸಂಸ್ಥೆಗಳ ಜೊತೆಗೆ. ಈ ವಲಯದ ಕೆಲವು ಪ್ರಮುಖ ಆಟಗಾರರೆಂದರೆ- HDFCಬ್ಯಾಂಕ್, ಸ್ಟೇಟ್ ಬ್ಯಾಂಕ್ ಆಫ್ ಇಂಡಿಯಾ,ಐಸಿಐಸಿಐ ಬ್ಯಾಂಕ್ ಲಿಮಿಟೆಡ್, ಯೆಸ್ ಬ್ಯಾಂಕ್, ಇತ್ಯಾದಿ. ಸಾರ್ವಜನಿಕ ವಲಯದ ಬ್ಯಾಂಕ್‌ಗಳು ಬ್ಯಾಂಕಿಂಗ್ ವ್ಯವಸ್ಥೆಯ ಸ್ವತ್ತುಗಳ ಶೇಕಡಾ 70 ಕ್ಕಿಂತ ಹೆಚ್ಚು ನಿಯಂತ್ರಿಸುತ್ತವೆ, ಇದರಿಂದಾಗಿ ಅದರ ಖಾಸಗಿ ಗೆಳೆಯರಿಗೆ ತುಲನಾತ್ಮಕವಾಗಿ ಸಣ್ಣ ಪಾಲನ್ನು ಬಿಟ್ಟುಬಿಡುತ್ತದೆ.

ಈ ವಲಯದಲ್ಲಿ ಅನೇಕ ಭರವಸೆಯ ಮತ್ತು ಪ್ರಮುಖ ಕಂಪನಿಗಳಿದ್ದರೂ, ಹೂಡಿಕೆದಾರರು ಆ ವಲಯವನ್ನು ಮರೆಯಬಾರದುಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು ಎಲ್ಲಾ ಈಕ್ವಿಟಿ ಫಂಡ್‌ಗಳಲ್ಲಿ ಅತ್ಯಂತ ಅಪಾಯಕಾರಿ. ಹೀಗಾಗಿ, ಅನುಭವಿ ಹೂಡಿಕೆದಾರರು ಉನ್ನತ-ಅಪಾಯದ ಹಸಿವು ಮತ್ತು ದೀರ್ಘಾವಧಿಗೆ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವವರು, ಕೆಳಗಿನ ನಿಧಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದನ್ನು ಆದರ್ಶವಾಗಿ ಪರಿಗಣಿಸಬೇಕು.

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ಭಾರತದಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡಲು ಟಾಪ್ 7 ಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು ಫೈನಾನ್ಸ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2023 (%)
UTI Banking and Financial Services Fund Growth	₹169.091 ↑ 0.67	₹1,159	0.7	7.3	22	11.6	11.1	19.5
TATA Banking and Financial Services Fund Growth	₹38.2831 ↑ 0.21	₹2,374	1.4	8.5	17.1	12.9	13.1	22
SBI Banking & Financial Services Fund Growth	₹37.4237 ↑ 0.17	₹6,457	1.7	8.7	29.1	13.8	13.7	18.6
ICICI Prudential Banking and Financial Services Fund Growth	₹119.88 ↑ 0.30	₹8,850	1	9.1	20.3	11.5	12	17.9
Baroda Pioneer Banking And Financial Services Fund Growth	₹42.9867 ↑ 0.19	₹192	3.1	7.7	24.4	12.9	11.2	20.5
LIC MF Banking & Financial Services Fund Growth	₹19.0541 ↑ 0.15	₹261	-1.7	1.9	9.3	10.1	10	20.5
Aditya Birla Sun Life Banking And Financial Services Fund Growth	₹54.66 ↑ 0.23	₹3,264	-0.5	5.7	16	11	12.4	21.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 19 Nov 24

ಮೇಲಿನ ಮೇಲಿನ ಪಟ್ಟಿಬ್ಯಾಂಕಿಂಗ್ ಮತ್ತು ಹಣಕಾಸು ಸೇವೆಗಳು ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು AUM/ನಿವ್ವಳ ಸ್ವತ್ತುಗಳಿಗಿಂತ ಹೆಚ್ಚಿನದಾಗಿದೆ100 ಕೋಟಿ.

1. UTI Banking and Financial Services Fund

(Erstwhile UTI Banking Sector Fund)

Investment objective is "capital appreciation" through investments in the stocks of the companies/institutions engaged in the banking and financial services activities.

UTI Banking and Financial Services Fund is a Equity - Sectoral fund was launched on 7 Apr 04. It is a fund with High risk and has given a CAGR/Annualized return of 14.7% since its launch. Ranked 20 in Sectoral category. Return for 2023 was 19.5% , 2022 was 15.1% and 2021 was 14.3% .

Below is the key information for UTI Banking and Financial Services Fund

UTI Banking and Financial Services Fund Growth
Launch Date	7 Apr 04
NAV (19 Nov 24)	₹169.091 ↑ 0.67 (0.40 %)
Net Assets (Cr)	₹1,159 on 31 Oct 24
Category	Equity - Sectoral
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.28
Sharpe Ratio	1.58
Information Ratio	0.64
Alpha Ratio	6.65
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹7,735
31 Oct 21	₹12,726
31 Oct 22	₹12,967
31 Oct 23	₹14,025
31 Oct 24	₹18,207

UTI Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for UTI Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	-4.2%
3 Month	0.7%
6 Month	7.3%
1 Year	22%
3 Year	11.6%
5 Year	11.1%
10 Year
15 Year
Since launch	14.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	19.5%
2022	15.1%
2021	14.3%
2020	-5.3%
2019	11.6%
2018	-6.8%
2017	43.5%
2016	13%
2015	-11.3%
2014	64%

Fund Manager information for UTI Banking and Financial Services Fund

Name	Since	Tenure
Preethi S	2 May 22	2.5 Yr.

Data below for UTI Banking and Financial Services Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	96.99%
Technology	1.95%

Asset Allocation

Asset Class	Value
Cash	0.68%
Equity	98.94%
Debt	0.38%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 04 \| ICICIBANK	16%	₹187 Cr	1,445,000 ↑ 150,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 09 \| HDFCBANK	15%	₹175 Cr	1,005,927 ↓ -70,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Jun 18 \| 532215	6%	₹72 Cr	620,000 ↑ 300,000
Shriram Finance Ltd (Financial Services) Equity, Since 31 Jan 24 \| SHRIRAMFIN	5%	₹62 Cr	196,736 ↑ 22,600
State Bank of India (Financial Services) Equity, Since 28 Feb 18 \| SBIN	5%	₹62 Cr	750,000
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jul 24 \| HDFCLIFE	4%	₹50 Cr	697,890 ↑ 5,000
India Shelter Finance Corporation Ltd (Financial Services) Equity, Since 31 Dec 23 \| INDIASHLTR	4%	₹48 Cr	714,617
REC Ltd (Financial Services) Equity, Since 30 Nov 23 \| 532955	4%	₹44 Cr	832,500 ↑ 150,500
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Dec 18 \| 590003	4%	₹42 Cr	1,876,541 ↑ 66,716
Max Financial Services Ltd (Financial Services) Equity, Since 30 Sep 22 \| 500271	3%	₹40 Cr	314,018

2. TATA Banking and Financial Services Fund

The investment objective of the scheme is to seek long term capital appreciation by investing atleast 80% of its net assets in equity/equity related instruments of the companies in the Banking and Financial Services sector in India.

TATA Banking and Financial Services Fund is a Equity - Sectoral fund was launched on 28 Dec 15. It is a fund with High risk and has given a CAGR/Annualized return of 16.3% since its launch. Return for 2023 was 22% , 2022 was 16.9% and 2021 was 11.9% .

Below is the key information for TATA Banking and Financial Services Fund

TATA Banking and Financial Services Fund Growth
Launch Date	28 Dec 15
NAV (19 Nov 24)	₹38.2831 ↑ 0.21 (0.55 %)
Net Assets (Cr)	₹2,374 on 31 Oct 24
Category	Equity - Sectoral
AMC	Tata Asset Management Limited
Rating	Not Rated
Risk	High
Expense Ratio	0
Sharpe Ratio	1.2
Information Ratio	0.76
Alpha Ratio	0.54
Min Investment	5,000
Min SIP Investment	150
Exit Load	0-3 Months (0.25%),3 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹8,814
31 Oct 21	₹13,380
31 Oct 22	₹13,611
31 Oct 23	₹15,635
31 Oct 24	₹19,524

TATA Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for TATA Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	-4.3%
3 Month	1.4%
6 Month	8.5%
1 Year	17.1%
3 Year	12.9%
5 Year	13.1%
10 Year
15 Year
Since launch	16.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	22%
2022	16.9%
2021	11.9%
2020	2.7%
2019	25.7%
2018	-0.1%
2017	45%
2016	17.8%
2015
2014

Fund Manager information for TATA Banking and Financial Services Fund

Name	Since	Tenure
Amey Sathe	14 Oct 21	3.05 Yr.

Data below for TATA Banking and Financial Services Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	97.53%

Asset Allocation

Asset Class	Value
Cash	2.47%
Equity	97.53%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Jan 16 \| HDFCBANK	22%	₹527 Cr	3,040,000 ↑ 100,000
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	9%	₹212 Cr	1,665,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 18 \| 532215	8%	₹197 Cr	1,600,000 ↑ 320,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 16 \| KOTAKBANK	6%	₹138 Cr	745,000
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	3%	₹78 Cr	990,000
PNB Housing Finance Ltd (Financial Services) Equity, Since 31 Oct 21 \| PNBHOUSING	3%	₹74 Cr	750,000 ↓ -65,709
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Jun 19 \| ICICIGI	3%	₹65 Cr	300,000
SBI Cards and Payment Services Ltd Ordinary Shares (Financial Services) Equity, Since 31 Mar 20 \| SBICARD	3%	₹63 Cr	810,000 ↑ 110,000
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Jan 22 \| INDUSINDBK	3%	₹61 Cr	420,000 ↑ 20,000
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 31 Jul 19 \| HDFCLIFE	2%	₹57 Cr	800,000

3. SBI Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized.

SBI Banking & Financial Services Fund is a Equity - Sectoral fund was launched on 26 Feb 15. It is a fund with High risk and has given a CAGR/Annualized return of 14.5% since its launch. Return for 2023 was 18.6% , 2022 was 13.5% and 2021 was 12.1% .

Below is the key information for SBI Banking & Financial Services Fund

SBI Banking & Financial Services Fund Growth
Launch Date	26 Feb 15
NAV (19 Nov 24)	₹37.4237 ↑ 0.17 (0.46 %)
Net Assets (Cr)	₹6,457 on 31 Oct 24
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	Not Rated
Risk	High
Expense Ratio	1.91
Sharpe Ratio	2.44
Information Ratio	0.66
Alpha Ratio	14.23
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹8,827
31 Oct 21	₹13,783
31 Oct 22	₹13,822
31 Oct 23	₹14,866
31 Oct 24	₹20,208

SBI Banking & Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for SBI Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	-2.9%
3 Month	1.7%
6 Month	8.7%
1 Year	29.1%
3 Year	13.8%
5 Year	13.7%
10 Year
15 Year
Since launch	14.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	18.6%
2022	13.5%
2021	12.1%
2020	4.8%
2019	20.7%
2018	9.5%
2017	40.7%
2016	17%
2015
2014

Fund Manager information for SBI Banking & Financial Services Fund

Name	Since	Tenure
Milind Agrawal	1 Aug 19	5.26 Yr.
Pradeep Kesavan	1 Dec 23	0.92 Yr.

Data below for SBI Banking & Financial Services Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	88.39%

Asset Allocation

Asset Class	Value
Cash	11.61%
Equity	88.39%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 16 \| ICICIBANK	22%	₹1,400 Cr	10,835,814 ↑ 500,000
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| HDFCBANK	15%	₹949 Cr	5,464,715 ↓ -550,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 28 Feb 23 \| KOTAKBANK	8%	₹511 Cr	2,950,000 ↓ -350,000
Muthoot Finance Ltd (Financial Services) Equity, Since 31 Dec 22 \| 533398	5%	₹291 Cr	1,506,547
State Bank of India (Financial Services) Equity, Since 31 Jul 18 \| SBIN	4%	₹257 Cr	3,135,000 ↑ 900,000
Nippon Life India Asset Management Ltd Ordinary Shares (Financial Services) Equity, Since 31 Aug 23 \| NAM-INDIA	3%	₹201 Cr	2,832,550
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 30 Apr 24 \| CHOLAHLDNG	3%	₹164 Cr	955,052
Karur Vysya Bank Ltd (Financial Services) Equity, Since 31 Aug 22 \| 590003	2%	₹154 Cr	6,803,279 ↓ -1,330,695
AAVAS Financiers Ltd (Financial Services) Equity, Since 31 Jan 24 \| AAVAS	2%	₹153 Cr	917,438 ↓ -12,892
Aptus Value Housing Finance India Ltd (Financial Services) Equity, Since 30 Sep 23 \| 543335	2%	₹145 Cr	4,081,117 ↑ 114,847

4. ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund is an Open-ended equity scheme that seeks 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. However, there can be no assurance that the investment objective of the Scheme will be realized.

ICICI Prudential Banking and Financial Services Fund is a Equity - Sectoral fund was launched on 22 Aug 08. It is a fund with High risk and has given a CAGR/Annualized return of 16.5% since its launch. Return for 2023 was 17.9% , 2022 was 11.9% and 2021 was 23.5% .

Below is the key information for ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Banking and Financial Services Fund Growth
Launch Date	22 Aug 08
NAV (19 Nov 24)	₹119.88 ↑ 0.30 (0.25 %)
Net Assets (Cr)	₹8,850 on 31 Oct 24
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.98
Sharpe Ratio	1.47
Information Ratio	0.52
Alpha Ratio	2.66
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹7,808
31 Oct 21	₹13,357
31 Oct 22	₹13,369
31 Oct 23	₹14,842
31 Oct 24	₹18,666

ICICI Prudential Banking and Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for ICICI Prudential Banking and Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	-3.7%
3 Month	1%
6 Month	9.1%
1 Year	20.3%
3 Year	11.5%
5 Year	12%
10 Year
15 Year
Since launch	16.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	17.9%
2022	11.9%
2021	23.5%
2020	-5.5%
2019	14.5%
2018	-0.4%
2017	45.1%
2016	21.1%
2015	-7.2%
2014	69%

Fund Manager information for ICICI Prudential Banking and Financial Services Fund

Name	Since	Tenure
Roshan Chutkey	29 Jan 18	6.76 Yr.
Sharmila D’mello	30 Jun 22	2.34 Yr.

Data below for ICICI Prudential Banking and Financial Services Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	94.35%
Industrials	0.21%
Technology	0.21%

Asset Allocation

Asset Class	Value
Cash	5.23%
Equity	94.77%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| HDFCBANK	22%	₹1,950 Cr	11,256,723 ↓ -447,872
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 08 \| ICICIBANK	18%	₹1,643 Cr	12,906,483
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| 532215	6%	₹568 Cr	4,612,483 ↑ 398,079
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jan 23 \| KOTAKBANK	6%	₹545 Cr	2,940,967
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 17 \| SBILIFE	5%	₹470 Cr	2,547,856 ↓ -75,788
State Bank of India (Financial Services) Equity, Since 31 Oct 08 \| SBIN	4%	₹373 Cr	4,729,482 ↑ 1,780,663
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 23 \| HDFCLIFE	4%	₹364 Cr	5,065,853
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Nov 23 \| 500034	3%	₹278 Cr	361,247
ICICI Lombard General Insurance Co Ltd (Financial Services) Equity, Since 30 Sep 19 \| ICICIGI	3%	₹261 Cr	1,199,865
IndusInd Bank Ltd (Financial Services) Equity, Since 30 Apr 24 \| INDUSINDBK	2%	₹208 Cr	1,440,256 ↑ 242,459

5. Baroda Pioneer Banking And Financial Services Fund

The investment objective is to generate long-term capital appreciation for unit holders from a portfolio invested predominantly in equity and equity related securities of companies engaged in the Banking & Financial Services Sector.

Baroda Pioneer Banking And Financial Services Fund is a Equity - Sectoral fund was launched on 22 Jun 12. It is a fund with High risk and has given a CAGR/Annualized return of 12.5% since its launch. Ranked 32 in Sectoral category. Return for 2023 was 20.5% , 2022 was 15.7% and 2021 was 8% .

Below is the key information for Baroda Pioneer Banking And Financial Services Fund

Baroda Pioneer Banking And Financial Services Fund Growth
Launch Date	22 Jun 12
NAV (19 Nov 24)	₹42.9867 ↑ 0.19 (0.45 %)
Net Assets (Cr)	₹192 on 31 Oct 24
Category	Equity - Sectoral
AMC	Baroda Pioneer Asset Management Co. Ltd.
Rating	☆☆
Risk	High
Expense Ratio	2.37
Sharpe Ratio	1.64
Information Ratio	0.64
Alpha Ratio	6.71
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹8,299
31 Oct 21	₹12,675
31 Oct 22	₹12,783
31 Oct 23	₹13,695
31 Oct 24	₹18,129

Baroda Pioneer Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for Baroda Pioneer Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	-3.6%
3 Month	3.1%
6 Month	7.7%
1 Year	24.4%
3 Year	12.9%
5 Year	11.2%
10 Year
15 Year
Since launch	12.5%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	20.5%
2022	15.7%
2021	8%
2020	-1%
2019	23.1%
2018	1.2%
2017	32.9%
2016	8.7%
2015	-11.8%
2014	59%

Fund Manager information for Baroda Pioneer Banking And Financial Services Fund

Name	Since	Tenure
Sandeep Jain	14 Mar 22	2.64 Yr.
Arjun Bagga	21 Oct 24	0.03 Yr.

Data below for Baroda Pioneer Banking And Financial Services Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	94.39%
Technology	1.39%

Asset Allocation

Asset Class	Value
Cash	2.04%
Equity	97.6%
Debt	0.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Jul 12 \| ICICIBANK	19%	₹37 Cr	285,000 ↑ 25,000
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 14 \| HDFCBANK	19%	₹37 Cr	210,450 ↑ 27,500
State Bank of India (Financial Services) Equity, Since 30 Jun 12 \| SBIN	7%	₹14 Cr	171,500 ↑ 10,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Nov 16 \| 532215	6%	₹12 Cr	100,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 31 Jul 13 \| KOTAKBANK	4%	₹7 Cr	38,900 ↑ 11,000
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Sep 24 \| 532978	3%	₹7 Cr	37,500 ↑ 12,000
Bajaj Finance Ltd (Financial Services) Equity, Since 31 Oct 21 \| 500034	3%	₹5 Cr	7,476
Bajaj Housing Finance Ltd (Financial Services) Equity, Since 30 Sep 24 \| BAJAJHFL	3%	₹5 Cr	374,965 ↓ -374,964
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 24 \| SHRIRAMFIN	3%	₹5 Cr	16,000 ↓ -2,000
CRISIL Ltd (Financial Services) Equity, Since 31 Jul 24 \| CRISIL	2%	₹5 Cr	8,500 ↑ 2,500

6. LIC MF Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation for unit holders from a portfolio that is invested substantially in equity and equity related securities of companies engaged in banking & financial services sector. However, there can be no assurance that the investment objective of the Scheme will be realised.

LIC MF Banking & Financial Services Fund is a Equity - Sectoral fund was launched on 27 Mar 15. It is a fund with High risk and has given a CAGR/Annualized return of 6.9% since its launch. Return for 2023 was 20.5% , 2022 was 19.6% and 2021 was 9.8% .

Below is the key information for LIC MF Banking & Financial Services Fund

LIC MF Banking & Financial Services Fund Growth
Launch Date	27 Mar 15
NAV (19 Nov 24)	₹19.0541 ↑ 0.15 (0.80 %)
Net Assets (Cr)	₹261 on 31 Oct 24
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.3
Sharpe Ratio	0.51
Information Ratio	0.18
Alpha Ratio	-10.41
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹8,281
31 Oct 21	₹12,632
31 Oct 22	₹13,477
31 Oct 23	₹14,853
31 Oct 24	₹16,993

LIC MF Banking & Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for LIC MF Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	-4.4%
3 Month	-1.7%
6 Month	1.9%
1 Year	9.3%
3 Year	10.1%
5 Year	10%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	20.5%
2022	19.6%
2021	9.8%
2020	-2.1%
2019	19.9%
2018	-18%
2017	32.7%
2016	10.5%
2015
2014

Fund Manager information for LIC MF Banking & Financial Services Fund

Name	Since	Tenure
Jaiprakash Toshniwal	6 Sep 21	3.15 Yr.

Data below for LIC MF Banking & Financial Services Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	93.94%
Consumer Cyclical	2.15%
Technology	1.93%

Asset Allocation

Asset Class	Value
Cash	1.99%
Equity	98.01%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| HDFCBANK	23%	₹61 Cr	349,534 ↓ -49,371
ICICI Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| ICICIBANK	11%	₹28 Cr	218,200 ↓ -41,641
Axis Bank Ltd (Financial Services) Equity, Since 30 Apr 15 \| 532215	8%	₹20 Cr	173,243 ↓ -3,400
State Bank of India (Financial Services) Equity, Since 31 Mar 20 \| SBIN	6%	₹15 Cr	184,137 ↓ -17,723
Power Finance Corp Ltd (Financial Services) Equity, Since 30 Sep 23 \| 532810	3%	₹8 Cr	183,242 ↓ -17,636
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 29 Feb 24 \| KOTAKBANK	3%	₹8 Cr	45,259 ↓ -4,354
CSB Bank Ltd Ordinary Shares (Financial Services) Equity, Since 31 Aug 22 \| CSBBANK	3%	₹7 Cr	224,468 ↓ -21,604
Mahindra & Mahindra Financial Services Ltd (Financial Services) Equity, Since 31 Dec 23 \| M&MFIN	3%	₹7 Cr	259,925 ↓ -25,018
Piramal Enterprises Ltd (Financial Services) Equity, Since 31 Oct 21 \| 500302	3%	₹7 Cr	64,512 ↓ -6,208
CreditAccess Grameen Ltd Ordinary Shares (Financial Services) Equity, Since 30 Sep 22 \| CREDITACC	3%	₹7 Cr	67,962 ↓ -6,540

7. Aditya Birla Sun Life Banking And Financial Services Fund

The primary investment objective of the Scheme is to generate long-term capital appreciation to unit holders 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.

Aditya Birla Sun Life Banking And Financial Services Fund is a Equity - Sectoral fund was launched on 14 Dec 13. It is a fund with High risk and has given a CAGR/Annualized return of 16.8% since its launch. Ranked 3 in Sectoral category. Return for 2023 was 21.7% , 2022 was 11.5% and 2021 was 16.8% .

Below is the key information for Aditya Birla Sun Life Banking And Financial Services Fund

Aditya Birla Sun Life Banking And Financial Services Fund Growth
Launch Date	14 Dec 13
NAV (19 Nov 24)	₹54.66 ↑ 0.23 (0.42 %)
Net Assets (Cr)	₹3,264 on 31 Oct 24
Category	Equity - Sectoral
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	High
Expense Ratio	1.99
Sharpe Ratio	1.1
Information Ratio	0.44
Alpha Ratio	-0.42
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Oct 19	₹10,000
31 Oct 20	₹7,973
31 Oct 21	₹13,503
31 Oct 22	₹13,442
31 Oct 23	₹15,486
31 Oct 24	₹18,971

Aditya Birla Sun Life Banking And Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹415,684.
Net Profit of ₹115,684 Invest Now

Returns for Aditya Birla Sun Life Banking And Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 19 Nov 24

Duration	Returns
1 Month	-4.6%
3 Month	-0.5%
6 Month	5.7%
1 Year	16%
3 Year	11%
5 Year	12.4%
10 Year
15 Year
Since launch	16.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	21.7%
2022	11.5%
2021	16.8%
2020	1.1%
2019	14.9%
2018	-2.4%
2017	47.6%
2016	15.7%
2015	-0.5%
2014	65.8%

Fund Manager information for Aditya Birla Sun Life Banking And Financial Services Fund

Name	Since	Tenure
Dhaval Gala	26 Aug 15	9.19 Yr.
Dhaval Joshi	21 Nov 22	1.95 Yr.

Data below for Aditya Birla Sun Life Banking And Financial Services Fund as on 31 Oct 24

Equity Sector Allocation

Sector	Value
Financial Services	94.79%
Technology	3.27%

Asset Allocation

Asset Class	Value
Cash	1.94%
Equity	98.06%
Other	0%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| ICICIBANK	19%	₹636 Cr	4,993,129
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 13 \| HDFCBANK	17%	₹578 Cr	3,336,948
Axis Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| 532215	7%	₹237 Cr	1,927,100
State Bank of India (Financial Services) Equity, Since 31 Oct 17 \| SBIN	5%	₹185 Cr	2,351,492
Bajaj Finance Ltd (Financial Services) Equity, Since 30 Sep 16 \| 500034	5%	₹180 Cr	233,725
Cholamandalam Financial Holdings Ltd (Financial Services) Equity, Since 31 Jan 20 \| CHOLAHLDNG	4%	₹137 Cr	667,972
Shriram Finance Ltd (Financial Services) Equity, Since 30 Jun 23 \| SHRIRAMFIN	4%	₹121 Cr	337,916 ↓ -40,000
Computer Age Management Services Ltd Ordinary Shares (Technology) Equity, Since 31 Dec 23 \| CAMS	3%	₹111 Cr	252,692
Repco Home Finance Ltd (Financial Services) Equity, Since 31 Dec 13 \| 535322	3%	₹111 Cr	2,095,955
AU Small Finance Bank Ltd (Financial Services) Equity, Since 30 Nov 23 \| 540611	3%	₹107 Cr	1,446,861

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