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SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 4/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 91/100 · Excellent
How this score is calculated
- Star rating (35%)4/5
- 3Y CAGR (30%)16.05%
- Expense ratio (20%)0.41%
- AUM (15%)₹10,872 Cr
Not investment advice — an analytical read of public fund data. Methodology →
SBI Mutual Fund · Equity · Sectoral
₹48.86
AUM: ₹10,872 Cr
NAV updated 19 days ago
Plan
Direct
Option
Idcw
Risk
Very High
Expense Ratio
0.41%
Exit Load
Exit load of 0.50% if redeemed within 30 days.
Fund Manager
Sohini Andani
Inception
Feb 2015
Benchmark
NIFTY Financial Services Total Return Index
Sharpe Ratio
-0.21
Std Dev (1Y)
16.28%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-1.11%
3m
+3.79%
6m
-1.42%
1y
+4.67%
3y
+16.05%
5y
+12.82%
10y
+14.8%
since inception
+13.43%
TopFund's Take on SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks among the stronger performers in the Sectoral category, backed by a 4-star rating. Consistent 3-year performance combined with a strong rating makes this one of the more credible options in its space. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 91/100.
Cost: At 0.41%, the expense ratio is meaningfully cheaper — about 59% below the Sectoral category average of 0.99% (based on 469 comparable funds). Lower costs compound in your favour over long holding periods.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.21 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 16.28% is fairly typical for Sectoral funds.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Equity fund. Given the Very High risk rating, this fund is not suited to short-term goals or investors who may need to exit within 2-3 years.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹48.86. NAV is updated every business day after market close by AMFI.
1Y: 4.67% · 3Y CAGR: 16.05% · 5Y CAGR: 12.82%
The expense ratio of SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is 0.41% per annum. This is the annual fee charged by the fund to manage your investment.
SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Sohini Andani at SBI Mutual Fund.
SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is classified as a Very High risk fund. It is suitable for aggressive investors with a long-term horizon of 5+ years.
SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is a Sectoral fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of SBI Banking & Financial Services Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹10,872 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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