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SBI BANKING & FINANCIAL SERVICES FUND - DIRECT PLAN - GROWTH is an equity scheme managed by SBI Mutual Fund. Over rolling three-year windows since inception, investors earned a median compounded return of 18.91%, with the bottom and top quartiles at 16.27% and 21.56% respectively. It has ranked in the top half of its category for 1 of the last 2 reported years. The total expense ratio is 1.05% on assets of ₹10,375Cr. The fund is currently managed by Mr. Milind Agrawal, appointed within the last year.
Lower is better.
This scheme classifies as Large-Value on the 3x3 equity style box, with 78% of its portfolio classified as of 2026-05-29.
| Holding | Sector |
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| Window | Min | P25 | Median |
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Point-in-time CAGRs cherry-pick a single start date. The chart below shows the distribution of every possible rolling start over the fund's history, so you see the range of investor outcomes — not just one date's number.
Backtested SIP outcomes across both rolling-window scenarios and named historical stress events (COVID, Election uncertainty, Russia/Ukraine, etc.), plus per-manager alpha during their tenure on this scheme.
Same fund, monthly SIPs over rolling 1/3/5-year windows.
| Scheme | AMC | AUM | TER | 3Y |
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Mutual fund investments are subject to market risks. Read all scheme-related documents carefully. Past performance is not indicative of future results. MintByte is an AMFI-registered Mutual Fund Distributor (ARN-314872) and APMI member (APRN-01658). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Star ratings on this page reflect a 3-year category-quartile position computed in-house and are educational only.
Mutual fund schemes are subject to market risk. Read all scheme-related documents carefully before investing. Past performance is not indicative of future results. MintByte is an AMFI-registered mutual fund distributor (ARN-314872). MintByte does not issue buy/sell recommendations on specific securities — the site is an educational data and analytics platform. Not investment advice. Methodology · How we earn.
In-house derivations using 3-year daily NAV vs benchmark. See methodology.
| Weight |
|---|
| ICICI BANK LIMITED | Financial Services | 12.87% |
| STATE BANK OF INDIA | Financial Services | 9.61% |
| AXIS BANK LIMITED | Financial Services | 7.35% |
| HDFC BANK LIMITED | Financial Services | 6.11% |
| BAJAJ FINSERV LIMITED | Financial Services | 5.75% |
| MUTHOOT FINANCE LIMITED | Financial Services | 4.54% |
| HDFC LIFE INSURANCE COMPANY LIMITED | Financial Services | 3.51% |
| SBI LIFE INSURANCE COMPANY LIMITED | Financial Services | 3.20% |
| APTUS VALUE HOUSING FINANCE INDIA LIMITED | Financial Services | 1.86% |
| STAR HEALTH AND ALLIED INSURANCE COMPANY LTD. | Financial Services | 1.68% |
| BANK OF BARODA | Financial Services | 1.63% |
| CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED | Financial Services | 1.63% |
| Canara Bank | Financial Services | 1.60% |
| ADITYA BIRLA CAPITAL LIMITED | Financial Services | 1.39% |
| THE SOUTH INDIAN BANK LTD. | Financial Services | 1.06% |
| MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD | Financial Services | 1.00% |
| LIC HOUSING FINANCE LIMITED | Financial Services | 0.96% |
| CARE RATINGS LIMITED | Financial Services | 0.90% |
| BANK OF INDIA | Financial Services | 0.82% |
| 360 ONE WAM LIMITED | Financial Services | 0.80% |
| ICRA LIMITED | Financial Services | 0.80% |
| NIVA BUPA HEALTH INSURANCE COMPANY LIMITED | Financial Services | 0.69% |
| CRISIL LIMITED | Financial Services | 0.34% |
| HDB FINANCIAL SERVICES LIMITED | Financial Services | 0.34% |
| AAVAS FINANCIERS LIMITED | Financial Services | 0.18% |
| Sector | Holdings | Weight |
|---|---|---|
| Financial Services | 26 | 91.81% |
Active bets vs the average Equity fund. Biggest deviations shown first.
Accent bar = fund's actual sector weight. Vertical black tick = category average for the same sector. Green overlay = overweight, dashed red = underweight. The biggest active bets show first.
How crowded into the same stocks is this fund vs the largest fund in its category?
Category leader = highest-AUM scheme in the same SEBI category. A high overlap-of-weight number means the fund is concentrated into the same names as the leader (crowded); a low one means it's genuinely differentiated.
| P75 |
|---|
| Max |
|---|
| Positive % |
|---|
| 1Y | -8.57% | 9.90% | 17.27% | 29.32% | 75.75% | 94.1% |
| 3Y | 11.13% | 16.27% | 18.91% | 21.56% | 26.85% | 100.0% |
| 5Y | 12.98% | 15.73% | 19.19% | 23.38% | 26.43% | 100.0% |
Each cell is one year. Q1 = top quartile within the AMFI category for that period. Cell label is the last two digits of the year.
Top-10 weight 56.5% means concentration is in line with most actively-managed Indian equity funds. Effective-N is the inverse Herfindahl index — a measure of "how many positions effectively drive the fund" after weighting. Category: Equity.
Compounding maths on a notional ₹10 lakh lumpsum at 12% gross annual return. Green bar is what you'd have without the fee; red overlay is the fee drag. Fee is constant in this scenario — actual outcomes depend on real returns and any future TER changes.
What an investor SIPping into this fund actually got during named market shocks.
Each row is a back-tested SIP — monthly contribution over the regime's duration, no fees adjustment beyond NAV-baked TER. XIRR is the annualised IRR of those cashflows; Abs return is the absolute cash-on-cash; Max DD is the deepest drawdown experienced mid-investment. Past performance is not indicative of future results.
Alpha is the annualised excess return vs benchmark over the manager's tenure on this scheme. Beat-benchmark = total return beat the index over the same window.
| 5Y |
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| Star |
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