BANDHAN FINANCIAL SERVICES FUND - REGULAR PLAN - GROWTH
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Outperformed category benchmark in 100% of historical 3-year rolling periods.
- Generated +1.7% annualized alpha (excess return) over its benchmark.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +7.41% | +6.32% | +1.09% |
| 3 Months | +1.84% | -0.20% | +2.04% |
| 6 Months | +6.82% | +5.98% | +0.84% |
| 1 Year | +1.51% | +3.90% | -2.39% |
| 3 Years CAGR | +13.88% | +13.23% | +0.65% |
| Since Inception | +14.00% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in BANDHAN FINANCIAL SERVICES FUND compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +0.10% | +4.03% | -3.93% |
| 2025 | +11.72% | +1.43% | +10.29% |
| 2024 | +18.60% | +20.41% | -1.81% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -10.13% | +12.26% | +10.65% | +44.93% | 87.6% | 74.2% |
| 3-Year Rolling | +10.55% | +13.29% | +13.19% | +15.68% | 100.0% | 100.0% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2026-01-06 | 2026-03-30 | -17.6% | 3 months | Not yet recovered |
| 2024-09-23 | 2025-03-03 | -14.1% | 5 months | 3 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and equity related instruments of companies engaged in financial services sector | 80% - 100% Equity & Equity related securities other than above: 0% - 20% Money Market and other liquid instruments:0% - 20% Units issued by InvITs: 0% - 10% Mutual Fund Units (Overnight Fund, Money Market Fund & Liquid Fund): 0% - 20% |
Investment Objective & Strategy
The Scheme seeks to generate long-term capital appreciation by investing predominantly in equity and equity related instruments of companies engaged in financial services sector.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 1,126 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Sectoral / Thematic schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Sectoral / Thematic Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| Baroda BNP Paribas Banking and Financial Services Fund | 4.2 | +13.91% | 2.67% | 95.3% | Rs 562 cr | Compare → |
| HSBC Infrastructure Fund | 5.8 | +14.63% | 2.12% | 125.0% | Rs 2,374 cr | Compare → |
| Nippon India Innovation Fund | 5.8 | +13.00% | 2.10% | 107.4% | Rs 2,996 cr | Compare → |
| Tata Resources & Energy Fund | 5.4 | +14.20% | 2.22% | 85.3% | Rs 1,418 cr | Compare → |
| Sundaram Services Fund | 6.2 | +13.23% | 1.95% | 92.2% | Rs 5,304 cr | Compare → |
Frequently Asked Questions about BANDHAN FINANCIAL SERVICES FUND
What is the expense ratio of BANDHAN FINANCIAL SERVICES FUND?
BANDHAN FINANCIAL SERVICES FUND has a total expense ratio (TER) of 2.45% with a base expense ratio of 1.89%, compared to the Sectoral / Thematic category median of 2.52%.
Who manages BANDHAN FINANCIAL SERVICES FUND?
BANDHAN FINANCIAL SERVICES FUND is managed by Ritu Modi (tenure: 1.9 years since 2024-12-02).
What are the historical returns of BANDHAN FINANCIAL SERVICES FUND?
BANDHAN FINANCIAL SERVICES FUND delivered a 3-year CAGR of 13.88%. Its 1-year return stands at +1.51%.
How large is BANDHAN FINANCIAL SERVICES FUND?
BANDHAN FINANCIAL SERVICES FUND manages assets of Rs 1,126 cr, placing it in the 'comfortable' size band relative to Sectoral / Thematic peers.
How is BANDHAN FINANCIAL SERVICES FUND scored on MFIQ?
BANDHAN FINANCIAL SERVICES FUND holds an MFIQ Score of 5.6/10 (Average), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is BANDHAN FINANCIAL SERVICES FUND?
BANDHAN FINANCIAL SERVICES FUND has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 15.81% with a maximum historical drawdown of -17.60%.