Aditya Birla Sun Life Banking and Financial Services Fund vs ITI Banking and Financial Services Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Banking and Financial Services Fund is a Thematic fund and ITI Banking and Financial Services Fund is a Thematic fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life Banking and Financial Services Fund (Direct) returned 9.0% a year and ITI Banking and Financial Services Fund (Direct) returned 11.0% a year. Aditya Birla Sun Life Banking and Financial Services Fund charges 1.14% a year and ITI Banking and Financial Services Fund 1.10% (Direct plans). Their portfolios overlap 60.2%: they hold 17 of the same securities.
Aditya Birla Sun Life Banking and Financial Services Fund
Thematic
- 3 year return
- 9.0%
- Expense ratio
- 1.14%
- NAV
- ₹65.69
ITI Banking and Financial Services Fund
Thematic
- 3 year return
- 11.0%
- Expense ratio
- 1.10%
- NAV
- ₹16.18
Which is better, Aditya Birla Sun Life Banking and Financial Services or ITI Banking and Financial Services? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- ITI Banking and Financial Services returned more over 3 years: 11.0% a year against 9.0%.
- ITI Banking and Financial Services returned more over 1 year: −5.3% against −7.4%.
- ITI Banking and Financial Services costs less: 1.10% a year against 1.14% (Direct plans).
- Aditya Birla Sun Life Banking and Financial Services swung less over 3 years: a standard deviation of 15.9% a year against 16.2%.
- ITI Banking and Financial Services fell less in its worst fall since 08-12-2021: −16.7% against −19.1%.
- Aditya Birla Sun Life Banking and Financial Services is the larger fund: ₹3,406 Cr against ₹362 Cr.
- Their portfolios overlap 60.2%: 17 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Banking and Financial Services Fund | ITI Banking and Financial Services Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | ITI Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹3,406 Cr (30-09-2026) | ₹362 Cr (30-09-2026) |
| NAV | ₹65.69 (Direct) | ₹16.18 (Direct) |
| Expense ratio (Direct) | 1.14% | 1.10% |
| Expense ratio (Regular) | 2.02% | 2.80% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty Financial Services TRI | Nifty Financial Services TRI |
| Launch date | 14-12-2013 | 06-12-2021 |
| Minimum investment | ₹1,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Dhaval Gala | Nilay Dalal, Animesh Singh |
| Exit load | Exit load of 1% if redeemed within 30 days. | Exit load of 0.50%, if redeemed within 3 months. |
Aditya Birla Sun Life Banking and Financial Services vs ITI Banking and Financial Services: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Banking and Financial Services Fund (Direct) | −2.51% | −7.50% | −4.77% | −7.36% | +8.97% | +8.60% | +11.20% |
| ITI Banking and Financial Services Fund (Direct) | −2.72% | −7.55% | −3.61% | −5.25% | +10.97% | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Aditya Birla Sun Life Banking and Financial Services vs ITI Banking and Financial Services: Year-wise Returns
| Year | Aditya Birla Sun LifeAditya Birla Sun Life Banking and Financial Services | ITIITI Banking and Financial Services | Nifty Financial Services TRI |
|---|---|---|---|
| 2026to date | −9.48% | −7.73% | −9.69% |
| 2025 | +18.58% | +22.69% | +18.60% |
| 2024 | +9.76% | +8.76% | +10.52% |
| 2023 | +22.93% | +16.85% | +14.31% |
| 2022 | +12.56% | +11.83% | +10.47% |
| 2021 | +17.97% | -- | +14.55% |
Aditya Birla Sun Life Banking and Financial Services vs ITI Banking and Financial Services: Rolling Returns
Every holding period of both funds, against Nifty Financial Services TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 468 of them, one for each trading day from 09-12-2024 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life Banking and Financial Services Fund (Direct)
ITI Banking and Financial Services Fund (Direct)
Nifty Financial Services TRI
to
Feb 2025May 2022
to
May 2025Sept 2022
to
Sept 2025Jan 2023
to
Jan 2026May 2023
to
May 2026Sept 2023
to
Sept 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Banking and Financial Services | 0.0 | 0.0 | 6.2 | 32.7 | 48.1 | 13.0 | 0.0 | 15.8% | 16.0% | 8.2% | 25.0% | 95% |
| ITI Banking and Financial Services | 0.0 | 0.0 | 0.2 | 51.4 | 42.0 | 6.4 | 0.0 | 15.1% | 14.9% | 9.5% | 22.1% | 96% |
| Nifty Financial Services TRI | 0.0 | 0.0 | 14.7 | 54.1 | 26.1 | 5.1 | 0.0 | 13.6% | 13.7% | 7.4% | 21.9% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is Nifty Financial Services TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 08-12-2021. Past returns do not promise future returns.
Aditya Birla Sun Life Banking and Financial Services vs ITI Banking and Financial Services: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-12-2021 to 30-10-2026: 59 instalments, ₹5,90,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Banking and Financial ServicesAditya Birla Sun Life Banking and Financial Services Fund (Direct) | ₹5,90,000 | ₹7,20,132 | ₹1,30,132 | 8.1% |
| ITI Banking and Financial ServicesITI Banking and Financial Services Fund (Direct) | ₹5,90,000 | ₹7,34,627 | ₹1,44,627 | 8.9% |
Aditya Birla Sun Life Banking and Financial ServicesAditya Birla Sun Life Banking and Financial Services Fund (Direct)
ITI Banking and Financial ServicesITI Banking and Financial Services Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Banking and Financial Services vs ITI Banking and Financial Services: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Banking and Financial Services Fund (Direct) | ITI Banking and Financial Services Fund (Direct) |
|---|---|---|
| Return (CAGR) | −7.36% | −5.25% |
| Standard deviation | 17.41% | 17.70% |
| Sharpe ratio | -0.72 | -0.59 |
| Sortino ratio | -1.00 | -0.82 |
| Maximum drawdown | −16.4% (30-03-2026) | −16.7% (31-03-2026) |
| Beta | 0.96 | 0.98 |
| Alpha | +0.99% | +3.30% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Banking and Financial Services Fund (Direct) | ITI Banking and Financial Services Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.97% | +10.97% |
| Standard deviation | 15.90% | 16.16% |
| Sharpe ratio | 0.19 | 0.31 |
| Sortino ratio | 0.26 | 0.42 |
| Maximum drawdown | −16.4% (30-03-2026) | −16.7% (31-03-2026) |
| Beta | 0.94 | 0.96 |
| Alpha | −0.57% | +1.34% |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Banking and Financial Services Fund (Direct) | ITI Banking and Financial Services Fund (Direct) |
|---|---|---|
| Return (CAGR) | +15.86% | +9.65% |
| Standard deviation | 20.43% | 15.96% |
| Sharpe ratio | 0.49 | 0.24 |
| Sortino ratio | 0.67 | 0.33 |
| Maximum drawdown | −47.5% (23-03-2020) | −16.7% (31-03-2026) |
| Beta | 0.94 | 0.92 |
| Alpha | +1.72% | +2.39% |
From daily NAVs, 18-12-2013 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life Banking and Financial Services Fund (Direct)
ITI Banking and Financial Services Fund (Direct)
Nifty Financial Services TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Banking and Financial Services Fund (Direct) | −19.1% | 17-01-2022 | 20-06-2022 | 08-09-2022 | 3 months | −11.0% |
| ITI Banking and Financial Services Fund (Direct) | −16.7% | 18-02-2026 | 31-03-2026 | Not yet | -- | −10.5% |
| Nifty Financial Services TRI | −19.2% | 12-01-2022 | 16-06-2022 | 13-09-2022 | 3 months | −12.4% |
From daily values since 08-12-2021, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Banking and Financial Services Fund (Direct)
ITI Banking and Financial Services Fund (Direct)
Nifty Financial Services TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Banking and Financial Services Fund (Direct)
ITI Banking and Financial Services Fund (Direct)
Nifty Financial Services TRI
Against Nifty Financial Services TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Banking and Financial Services Fund (Direct) | 108% | 100% | 5.59% |
| ITI Banking and Financial Services Fund (Direct) | 100% | 89% | 4.47% |
From month-end values since 08-12-2021. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Aditya Birla Sun Life Banking and Financial Services vs ITI Banking and Financial Services: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Banking and Financial Services Fund, September 2026; ITI Banking and Financial Services Fund, September 2026
Holdings in common
- Overlap
- 60.2%
- Held by both
- 17
- Only in Aditya Birla Sun Life Banking and Financial Services
- 24
- Only in ITI Banking and Financial Services
- 16
| Security | % of Aditya Birla Sun Life Banking and Financial Services | % of ITI Banking and Financial Services |
|---|---|---|
| ICICI Bank Ltd. | 13.86% | 10.97% |
| HDFC Bank Ltd. | 10.53% | 9.19% |
| Axis Bank Ltd. | 8.05% | 7.66% |
| Bajaj Finance Ltd. | 6.73% | 6.30% |
| State Bank of India | 5.05% | 6.66% |
| Shriram Finance Ltd. | 5.44% | 4.91% |
| Kotak Mahindra Bank Ltd. | 3.62% | 5.80% |
| AU Small Finance Bank Ltd. | 2.91% | 1.92% |
| City Union Bank Ltd. | 2.16% | 1.71% |
| Ujjivan Small Finance Bank Ltd. | 1.65% | 1.89% |
| RBL Bank Ltd. | 1.51% | 2.24% |
| Union Bank of India | 1.63% | 1.51% |
| PNB Housing Finance Ltd. | 3.02% | 1.27% |
| HDFC Life Insurance Company Ltd. | 1.04% | 2.06% |
| PB Fintech Ltd. | 1.76% | 0.88% |
| National Stock Exchange of India Ltd. | 0.74% | 0.55% |
| SBI funds Management ltd. | 0.72% | 0.44% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 60.2% means 60.2% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Banking and Financial Services Fund
| Security | % of fund |
|---|---|
| Bank of Maharashtra | 2.84% |
| SBI Life Insurance Co. Ltd. | 2.66% |
| Billionbrains Garage Ventures Ltd. | 2.34% |
| TATA Capital Ltd. | 2.18% |
| ICICI Lombard General Insurance Company Ltd. | 1.88% |
Largest holdings only in ITI Banking and Financial Services Fund
| Security | % of fund |
|---|---|
| Cholamandalam Investment and Finance Company Ltd | 3.30% |
| Multi Commodity Exchange of India Limited | 2.17% |
| DCB Bank Limited | 2.08% |
| Aditya Birla Capital Limited | 1.97% |
| IIFL Finance Limited | 1.93% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Banking and Financial Services | ITI Banking and Financial Services |
|---|---|---|
| Equity | 98.9% | 91.0% |
| Debt | 0.0% | 0.0% |
| Cash and others | 1.1% | 9.0% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Banking and Financial Services | ITI Banking and Financial Services |
|---|---|---|
| Large Cap | 64.3% | 59.4% |
| Mid Cap | 12.8% | 12.8% |
| Small Cap | 19.7% | 16.6% |
| Not on AMFI's list | 2.0% | 2.3% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life Banking and Financial Services | ITI Banking and Financial Services |
|---|---|---|
| Banks | 54.5% | 57.7% |
| Finance | 26.2% | 22.7% |
| Capital Markets | 8.4% | 5.6% |
| Insurance | 7.6% | 2.1% |
| Financial Technology (Fintech) | 2.1% | 3.0% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Banking and Financial Services vs ITI Banking and Financial Services: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Banking and Financial Services Fund | ITI Banking and Financial Services Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.14% | 1.10% |
| Base expense ratio (Direct) | 0.90% | 0.58% |
| Total expense ratio (Regular) | 2.02% | 2.80% |
| Base expense ratio (Regular) | 1.66% | 2.10% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
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Compare ITI Banking and Financial Services with
- ITI Banking and Financial Services vs Nippon India Taiwan Equity
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Aditya Birla Sun Life Banking and Financial Services Fund vs ITI Banking and Financial Services Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Banking and Financial Services Fund and ITI Banking and Financial Services Fund?
Aditya Birla Sun Life Banking and Financial Services Fund is a Thematic fund, ITI Banking and Financial Services Fund is a Thematic fund, run by Aditya Birla Sun Life Mutual Fund and ITI Mutual Fund. Their portfolios overlap 60.2%. Aditya Birla Sun Life Banking and Financial Services Fund charges 1.14% a year and ITI Banking and Financial Services Fund 1.10%.
Which has given higher returns, Aditya Birla Sun Life Banking and Financial Services Fund or ITI Banking and Financial Services Fund?
Over 1 year: Aditya Birla Sun Life Banking and Financial Services Fund −7.36%, ITI Banking and Financial Services Fund −5.25%. Over 3 years: Aditya Birla Sun Life Banking and Financial Services Fund +8.97% a year, ITI Banking and Financial Services Fund +10.97% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Banking and Financial Services Fund or ITI Banking and Financial Services Fund?
ITI Banking and Financial Services Fund charges less: 1.10% a year against 1.14%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Banking and Financial Services Fund and ITI Banking and Financial Services Fund overlap?
60.2%. They hold 17 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, AXISBANK. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Banking and Financial Services Fund or ITI Banking and Financial Services Fund?
On SEBI's riskometer, Aditya Birla Sun Life Banking and Financial Services Fund is rated Very High and ITI Banking and Financial Services Fund Very High. Over 3 years, the standard deviation of daily returns was 15.90% and 16.16% a year.
Which is better for SIP, Aditya Birla Sun Life Banking and Financial Services Fund or ITI Banking and Financial Services Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,83,994 in Aditya Birla Sun Life Banking and Financial Services Fund (XIRR 2.4% a year) and ₹3,98,093 in ITI Banking and Financial Services Fund (XIRR 4.7% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Banking and Financial Services Fund and ITI Banking and Financial Services Fund?
Yes. 60.2% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Aditya Birla Sun Life Banking and Financial Services Fund and ITI Banking and Financial Services Fund?
Aditya Birla Sun Life Banking and Financial Services Fund: Dhaval Gala. ITI Banking and Financial Services Fund: Nilay Dalal, Animesh Singh.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.