Helios Financial Services Fund vs Tata Banking & Financial Services Fund
Direct Plan, Growth option · Data as on 30-10-2026
Helios Financial Services Fund is a Sectoral fund and Tata Banking & Financial Services Fund is a Thematic fund. In the year to 30-10-2026, Helios Financial Services Fund (Direct) returned −9.5% and Tata Banking & Financial Services Fund (Direct) returned −8.5%. Helios Financial Services Fund charges 1.16% a year and Tata Banking & Financial Services Fund 0.94% (Direct plans). Their portfolios overlap 57.1%: they hold 17 of the same securities.
Helios Financial Services Fund
Sectoral
- 1 year return
- −9.5%
- Expense ratio
- 1.16%
- NAV
- ₹11.00
Tata Banking & Financial Services Fund
Thematic
- 1 year return
- −8.5%
- Expense ratio
- 0.94%
- NAV
- ₹47.92
Which is better, Helios Financial Services or Tata Banking & 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.
- Tata Banking & Financial Services returned more over 1 year: −8.5% against −9.5%.
- Tata Banking & Financial Services costs less: 0.94% a year against 1.16% (Direct plans).
- Tata Banking & Financial Services fell less in its worst fall since 25-06-2024: −16.5% against −17.7%.
- Tata Banking & Financial Services is the larger fund: ₹3,053 Cr against ₹196 Cr.
- Their portfolios overlap 57.1%: 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 | Helios Financial Services Fund | Tata Banking & Financial Services Fund |
|---|---|---|
| Fund house | Helios Mutual Fund | Tata Mutual Fund |
| Category | Sectoral | Thematic |
| AUM | ₹196 Cr (30-09-2026) | ₹3,053 Cr (30-09-2026) |
| NAV | ₹11.00 (Direct) | ₹47.92 (Direct) |
| Expense ratio (Direct) | 1.16% | 0.94% |
| Expense ratio (Regular) | 2.68% | 2.24% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty Financial Services TRI | Nifty Financial Services TRI |
| Launch date | 24-06-2024 | 28-12-2015 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Alok Bahl, Pratik Singh | Kapil Malhotra |
| Exit load | Exit Load for units in excess of 10% of the investment,1% will be charged for redemption within 3 months. | 0.25% of NAV if redeemed /switched out before 30 days from the date of allotment. |
Helios Financial Services vs Tata Banking & 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 |
|---|---|---|---|---|---|---|---|
| Helios Financial Services Fund (Direct) | −3.34% | −5.90% | −3.42% | −9.47% | -- | -- | -- |
| Tata Banking & Financial Services Fund (Direct) | −3.13% | −7.12% | −3.81% | −8.46% | +10.13% | +10.01% | +13.54% |
| Sectoral average | −1.70% | −4.49% | +2.30% | −0.58% | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 20 Sectoral funds and the 235 Thematic funds, same plan type.
Helios Financial Services vs Tata Banking & Financial Services: Year-wise Returns
| Year | HeliosHelios Financial Services | Tata Banking &Tata Banking & Financial Services | Nifty Financial Services TRI |
|---|---|---|---|
| 2026to date | −10.06% | −9.63% | −9.69% |
| 2025 | +12.51% | +19.22% | +18.60% |
| 2024 | -- | +10.64% | +10.52% |
| 2023 | -- | +23.84% | +14.31% |
| 2022 | -- | +18.82% | +10.47% |
| 2021 | -- | +13.63% | +14.55% |
Helios Financial Services vs Tata Banking & Financial Services: Rolling Returns
Every holding period of both funds, against Nifty Financial Services TRI, the benchmark of both
Rolling returns
Every 1-year holding period, 333 of them, one for each trading day from 25-06-2025 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.
Helios Financial Services Fund (Direct)
Tata Banking & Financial Services Fund (Direct)
Nifty Financial Services TRI
to
Aug 2025Oct 2024
to
Oct 2025Jan 2025
to
Jan 2026Apr 2025
to
Apr 2026Jul 2025
to
Jul 2026Sept 2025
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Helios Financial Services | 15.3 | 24.0 | 18.0 | 20.7 | 17.1 | 4.8 | 0.0 | 7.9% | 7.7% | −11.0% | 23.6% | 53% |
| Tata Banking & Financial Services | 9.6 | 23.2 | 19.3 | 16.6 | 19.6 | 8.7 | 3.0 | 10.0% | 9.1% | −9.2% | 27.6% | 78% |
| Nifty Financial Services TRI | 26.4 | 18.0 | 6.3 | 17.1 | 22.2 | 9.9 | 0.0 | 8.1% | 9.7% | −10.9% | 24.4% | -- |
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 25-06-2024. Past returns do not promise future returns.
Helios Financial Services vs Tata Banking & 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 25-06-2024 to 30-10-2026: 29 instalments, ₹2,90,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Helios Financial ServicesHelios Financial Services Fund (Direct) | ₹2,90,000 | ₹2,86,303 | −₹3,697 | −1.0% |
| Tata Banking & Financial ServicesTata Banking & Financial Services Fund (Direct) | ₹2,90,000 | ₹2,89,593 | −₹407 | −0.1% |
Helios Financial ServicesHelios Financial Services Fund (Direct)
Tata Banking & Financial ServicesTata Banking & 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.
Helios Financial Services vs Tata Banking & Financial Services: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Helios Financial Services Fund (Direct) | Tata Banking & Financial Services Fund (Direct) |
|---|---|---|
| Return (CAGR) | −9.47% | −8.46% |
| Standard deviation | 18.96% | 17.13% |
| Sharpe ratio | -0.78 | -0.80 |
| Sortino ratio | -1.08 | -1.07 |
| Maximum drawdown | −17.7% (30-03-2026) | −16.5% (31-03-2026) |
| Beta | 1.03 | 0.93 |
| Alpha | −0.22% | −0.53% |
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 | Helios Financial Services Fund (Direct) | Tata Banking & Financial Services Fund (Direct) |
|---|---|---|
| Return (CAGR) | +3.27% | +15.51% |
| Standard deviation | 17.20% | 18.79% |
| Sharpe ratio | -0.15 | 0.53 |
| Sortino ratio | -0.21 | 0.73 |
| Maximum drawdown | −17.7% (30-03-2026) | −41.6% (23-03-2020) |
| Beta | 1.02 | 0.87 |
| Alpha | +0.20% | +3.29% |
From daily NAVs, 25-06-2024 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.
Helios Financial Services Fund (Direct)
Tata Banking & 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 |
|---|---|---|---|---|---|---|
| Helios Financial Services Fund (Direct) | −17.7% | 02-01-2026 | 30-03-2026 | Not yet | -- | −11.2% |
| Tata Banking & Financial Services Fund (Direct) | −16.5% | 18-02-2026 | 31-03-2026 | Not yet | -- | −11.9% |
| Nifty Financial Services TRI | −17.3% | 18-02-2026 | 30-03-2026 | Not yet | -- | −12.4% |
From daily values since 25-06-2024, 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.
Helios Financial Services Fund (Direct)
Tata Banking & Financial Services Fund (Direct)
Nifty Financial Services TRI
Against Nifty Financial Services TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Helios Financial Services Fund (Direct) | 104% | 104% | 7.07% |
| Tata Banking & Financial Services Fund (Direct) | 100% | 95% | 5.20% |
From month-end values since 25-06-2024. 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.
Helios Financial Services vs Tata Banking & Financial Services: Portfolio Overlap
From each fund's latest monthly portfolio: Helios Financial Services Fund, September 2026; Tata Banking & Financial Services Fund, September 2026
Holdings in common
- Overlap
- 57.1%
- Held by both
- 17
- Only in Helios Financial Services
- 13
- Only in Tata Banking & Financial Services
- 19
| Security | % of Helios Financial Services | % of Tata Banking & Financial Services |
|---|---|---|
| HDFC Bank Ltd. | 11.50% | 11.94% |
| ICICI Bank Ltd. | 13.11% | 10.39% |
| State Bank of India | 6.17% | 7.20% |
| Bajaj Finance Ltd. | 7.18% | 4.49% |
| Shriram Finance Ltd. | 3.98% | 2.97% |
| One 97 Communications Ltd. | 8.40% | 2.80% |
| PNB Housing Finance Ltd. | 3.40% | 2.56% |
| Multi Commodity Exchange of India Ltd. | 3.58% | 2.45% |
| Kotak Mahindra Bank Ltd. | 2.10% | 5.61% |
| Piramal Finance Ltd. | 2.09% | 2.13% |
| City Union Bank Ltd. | 2.21% | 2.07% |
| 360 ONE WAM Ltd. | 1.84% | 1.48% |
| Prudent Corporate Advisory Services Ltd. | 2.48% | 1.45% |
| RBL Bank Ltd. | 1.45% | 1.62% |
| Cholamandalam Investment & Finance Co. Ltd. | 3.25% | 1.13% |
| PB Fintech Ltd. | 1.10% | 2.81% |
| SBI funds Management ltd. | 4.58% | 0.92% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 57.1% means 57.1% 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 Helios Financial Services Fund
| Security | % of fund |
|---|---|
| Motilal Oswal Financial Services Ltd. | 4.30% |
| Poonawalla Fincorp Ltd. | 1.80% |
| Computer Age Management Services Ltd. | 1.76% |
| Edelweiss Financial Services Ltd. | 1.75% |
| Aditya Birla Capital Ltd. | 1.70% |
Largest holdings only in Tata Banking & Financial Services Fund
| Security | % of fund |
|---|---|
| AXIS BANK LTD | 6.75% |
| SBI LIFE INSURANCE COMPANY LTD | 3.73% |
| STAR HEALTH AND ALLIED INSURANCE COMPANY LTD | 2.25% |
| ONEMI TECHNOLOGY SOLUTIONS LTD | 2.03% |
| DCB BANK LTD | 1.92% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Helios Financial Services | Tata Banking & Financial Services |
|---|---|---|
| Equity | 99.8% | 98.6% |
| Debt | 0.0% | 0.0% |
| Cash and others | 0.2% | 1.4% |
Market cap of stocks
| Market cap | Helios Financial Services | Tata Banking & Financial Services |
|---|---|---|
| Large Cap | 52.0% | 55.8% |
| Mid Cap | 26.9% | 17.4% |
| Small Cap | 15.7% | 23.6% |
| Not on AMFI's list | 5.3% | 1.8% |
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 | Helios Financial Services | Tata Banking & Financial Services |
|---|---|---|
| Banks | 37.5% | 53.1% |
| Finance | 26.3% | 20.9% |
| Capital Markets | 25.1% | 8.3% |
| Financial Technology (Fintech) | 11.0% | 5.6% |
| Insurance | 0.0% | 10.8% |
The six largest sectors of each fund's stocks, % of the fund.
Helios Financial Services vs Tata Banking & Financial Services: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Helios Financial Services Fund | Tata Banking & Financial Services Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.16% | 0.94% |
| Base expense ratio (Direct) | 0.79% | 0.51% |
| Total expense ratio (Regular) | 2.68% | 2.24% |
| Base expense ratio (Regular) | 2.10% | 1.67% |
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
Compare Helios Financial Services with
Compare Tata Banking & Financial Services with
- Tata Banking & Financial Services vs Nippon India Taiwan Equity
- Tata Banking & Financial Services vs HDFC Defence
- Tata Banking & Financial Services vs HDFC Pharma and Healthcare
- Tata Banking & Financial Services vs SBI Healthcare Opportunities
- Tata Banking & Financial Services vs Aditya Birla Sun Life International Equity
Helios Financial Services Fund vs Tata Banking & Financial Services Fund: Frequently Asked Questions
What is the difference between Helios Financial Services Fund and Tata Banking & Financial Services Fund?
Helios Financial Services Fund is a Sectoral fund, Tata Banking & Financial Services Fund is a Thematic fund, run by Helios Mutual Fund and Tata Mutual Fund. Their portfolios overlap 57.1%. Helios Financial Services Fund charges 1.16% a year and Tata Banking & Financial Services Fund 0.94%.
Which has given higher returns, Helios Financial Services Fund or Tata Banking & Financial Services Fund?
Over 1 year: Helios Financial Services Fund −9.47%, Tata Banking & Financial Services Fund −8.46%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Helios Financial Services Fund or Tata Banking & Financial Services Fund?
Tata Banking & Financial Services Fund charges less: 0.94% a year against 1.16%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Helios Financial Services Fund and Tata Banking & Financial Services Fund overlap?
57.1%. They hold 17 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, SBIN. From each fund's latest monthly portfolio.
Which is riskier, Helios Financial Services Fund or Tata Banking & Financial Services Fund?
On SEBI's riskometer, Helios Financial Services Fund is rated Very High and Tata Banking & Financial Services Fund Very High. Over 1 years, the standard deviation of daily returns was 18.96% and 17.13% a year.
Can I invest in both Helios Financial Services Fund and Tata Banking & Financial Services Fund?
Yes. 57.1% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Helios Financial Services Fund and Tata Banking & Financial Services Fund?
Helios Financial Services Fund: Alok Bahl, Pratik Singh. Tata Banking & Financial Services Fund: Kapil Malhotra.
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.