Bank of India Banking & Financial Services Fund vs Helios Financial Services Fund
Direct Plan, Growth option · Data as on 30-10-2026
Bank of India Banking & Financial Services Fund is a Thematic fund and Helios Financial Services Fund is a Sectoral fund. Bank of India Banking & Financial Services Fund charges 1.68% a year and Helios Financial Services Fund 1.16% (Direct plans). Their portfolios overlap 52.2%: they hold 14 of the same securities.
Bank of India Banking & Financial Services Fund
Thematic
- Expense ratio
- 1.68%
- NAV
- ₹8.96
Which is better, Bank of India Banking & Financial Services or Helios 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.
- Helios Financial Services costs less: 1.16% a year against 1.68% (Direct plans).
- Bank of India Banking & Financial Services fell less in its worst fall since 02-02-2026: −14.3% against −16.7%.
- Bank of India Banking & Financial Services is the larger fund: ₹249 Cr against ₹196 Cr.
- Their portfolios overlap 52.2%: 14 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 | Bank of India Banking & Financial Services Fund | Helios Financial Services Fund |
|---|---|---|
| Fund house | Bank of India Mutual Fund | Helios Mutual Fund |
| Category | Thematic | Sectoral |
| AUM | ₹249 Cr (30-09-2026) | ₹196 Cr (30-09-2026) |
| NAV | ₹8.96 (Direct) | ₹11.00 (Direct) |
| Expense ratio (Direct) | 1.68% | 1.16% |
| Expense ratio (Regular) | 2.77% | 2.68% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty Financial Services TRI | Nifty Financial Services TRI |
| Launch date | 30-01-2026 | 24-06-2024 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | and for Direct Plan | Alok Bahl, Pratik Singh |
| Exit load | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months. | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months. |
Bank of India Banking & Financial Services vs Helios 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 |
|---|---|---|---|---|---|---|---|
| Bank of India Banking & Financial Services Fund (Direct) | −2.71% | −8.29% | −6.76% | -- | -- | -- | -- |
| Helios Financial Services Fund (Direct) | −3.34% | −5.90% | −3.42% | −9.47% | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
| Sectoral average | −1.70% | −4.49% | +2.30% | −0.58% | -- | -- | -- |
Category average: the average of the 235 Thematic funds and the 20 Sectoral funds, same plan type.
Bank of India Banking & Financial Services vs Helios Financial Services: Year-wise Returns
| Year | Bank of India Banking &Bank of India Banking & Financial Services | HeliosHelios Financial Services | Nifty Financial Services TRI |
|---|---|---|---|
| 2026to date | -- | −10.06% | −9.69% |
| 2025 | -- | +12.51% | +18.60% |
Bank of India Banking & Financial Services vs Helios Financial Services: Rolling Returns
Every holding period of both funds, against Nifty Financial Services TRI, the benchmark of both
Bank of India Banking & Financial Services vs Helios Financial Services: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bank of India Banking & Financial Services Fund (Direct) | Helios Financial Services Fund (Direct) |
|---|---|---|
| Return (CAGR) | −13.92% | +3.27% |
| Standard deviation | 17.87% | 17.20% |
| Sharpe ratio | -1.07 | -0.15 |
| Sortino ratio | -1.44 | -0.21 |
| Maximum drawdown | −14.3% (30-03-2026) | −17.7% (30-03-2026) |
| Beta | 0.86 | 1.02 |
| Alpha | −6.66% | +0.20% |
From daily NAVs, 02-02-2026 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.
Bank of India Banking & Financial Services Fund (Direct)
Helios 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 |
|---|---|---|---|---|---|---|
| Bank of India Banking & Financial Services Fund (Direct) | −14.3% | 26-02-2026 | 30-03-2026 | Not yet | -- | −12.8% |
| Helios Financial Services Fund (Direct) | −16.7% | 12-02-2026 | 30-03-2026 | 26-08-2026 | 5 months | −10.3% |
| Nifty Financial Services TRI | −17.3% | 18-02-2026 | 30-03-2026 | Not yet | -- | −12.4% |
From daily values since 02-02-2026, the first day every fund has.
Bank of India Banking & Financial Services vs Helios Financial Services: Portfolio Overlap
From each fund's latest monthly portfolio: Bank of India Banking & Financial Services Fund, September 2026; Helios Financial Services Fund, September 2026
Holdings in common
- Overlap
- 52.2%
- Held by both
- 14
- Only in Bank of India Banking & Financial Services
- 21
- Only in Helios Financial Services
- 16
| Security | % of Bank of India Banking & Financial Services | % of Helios Financial Services |
|---|---|---|
| HDFC Bank Limited | 11.54% | 11.50% |
| ICICI Bank Limited | 10.41% | 13.11% |
| State Bank of India | 8.77% | 6.17% |
| One 97 Communications Limited | 4.04% | 8.40% |
| Shriram Finance Limited | 4.83% | 3.98% |
| Bajaj Finance Limited | 2.47% | 7.18% |
| City Union Bank Limited | 3.14% | 2.21% |
| Multi Commodity Exchange of India Limited | 2.15% | 3.58% |
| Kotak Mahindra Bank Limited | 3.08% | 2.10% |
| Computer Age Management Services Limited | 2.69% | 1.76% |
| ICICI Prudential Asset Management Company Limited | 3.60% | 1.60% |
| HDFC Asset Management Company Limited | 2.96% | 1.43% |
| Cholamandalam Investment and Finance Company Ltd | 1.31% | 3.25% |
| Nippon Life India Asset Management Limited | 1.07% | 1.13% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 52.2% means 52.2% 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 Bank of India Banking & Financial Services Fund
| Security | % of fund |
|---|---|
| Bank of Baroda | 3.56% |
| Indian Bank | 3.15% |
| Angel One Limited | 2.52% |
| CreditAccess Grameen Limited | 2.50% |
| BSE Limited | 2.48% |
Largest holdings only in Helios Financial Services Fund
| Security | % of fund |
|---|---|
| SBI funds Management ltd. | 4.58% |
| Motilal Oswal Financial Services Ltd. | 4.30% |
| PNB Housing Finance Ltd. | 3.40% |
| Prudent Corporate Advisory Services Ltd. | 2.48% |
| Piramal Finance Ltd. | 2.09% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bank of India Banking & Financial Services | Helios Financial Services |
|---|---|---|
| Equity | 95.1% | 99.8% |
| Debt | 0.0% | 0.0% |
| Cash and others | 4.9% | 0.2% |
Market cap of stocks
| Market cap | Bank of India Banking & Financial Services | Helios Financial Services |
|---|---|---|
| Large Cap | 61.6% | 52.0% |
| Mid Cap | 12.5% | 26.9% |
| Small Cap | 19.9% | 15.7% |
| Not on AMFI's list | 1.1% | 5.3% |
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 | Bank of India Banking & Financial Services | Helios Financial Services |
|---|---|---|
| Banks | 52.1% | 37.5% |
| Finance | 15.9% | 26.3% |
| Capital Markets | 20.8% | 25.1% |
| Financial Technology (Fintech) | 4.9% | 11.0% |
| Insurance | 1.4% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Bank of India Banking & Financial Services vs Helios Financial Services: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bank of India Banking & Financial Services Fund | Helios Financial Services Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.68% | 1.16% |
| Base expense ratio (Direct) | 1.17% | 0.79% |
| Total expense ratio (Regular) | 2.77% | 2.68% |
| Base expense ratio (Regular) | 2.10% | 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 Helios Financial Services with
Bank of India Banking & Financial Services Fund vs Helios Financial Services Fund: Frequently Asked Questions
What is the difference between Bank of India Banking & Financial Services Fund and Helios Financial Services Fund?
Bank of India Banking & Financial Services Fund is a Thematic fund, Helios Financial Services Fund is a Sectoral fund, run by Bank of India Mutual Fund and Helios Mutual Fund. Their portfolios overlap 52.2%. Bank of India Banking & Financial Services Fund charges 1.68% a year and Helios Financial Services Fund 1.16%.
Which has the lower expense ratio, Bank of India Banking & Financial Services Fund or Helios Financial Services Fund?
Helios Financial Services Fund charges less: 1.16% a year against 1.68%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Bank of India Banking & Financial Services Fund and Helios Financial Services Fund overlap?
52.2%. They hold 14 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, SBIN. From each fund's latest monthly portfolio.
Which is riskier, Bank of India Banking & Financial Services Fund or Helios Financial Services Fund?
On SEBI's riskometer, Bank of India Banking & Financial Services Fund is rated Very High and Helios Financial Services Fund Very High. Over their common history, the standard deviation of daily returns was 17.87% and 17.20% a year.
Can I invest in both Bank of India Banking & Financial Services Fund and Helios Financial Services Fund?
Yes. 52.2% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Bank of India Banking & Financial Services Fund and Helios Financial Services Fund?
Bank of India Banking & Financial Services Fund: and for Direct Plan. Helios Financial Services Fund: Alok Bahl, Pratik 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.