BANDHAN FINANCIAL SERVICES FUND
NAV
₹15.94
as of 21 Aug 2026
BANDHAN FINANCIAL SERVICES FUND is an open-ended Sectoral/ Thematic scheme from Bandhan Mutual Fund managing ₹1,107 crore (as of 30 Jun 2026). Its Direct-plan NAV is ₹15.94 as of 21 Aug 2026. The expense ratio is 0.56% a year. Managed by Harshal Joshi. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.56% / yr
- as of 30 Jun 2026
- Fund size
- ₹1,107 crore
- as of 30 Jun 2026
- Exit load
- 0.5%
- SIP available
- Yes
- Launched
- 31 Jul 2023
- ISIN
- INF194KB1GB2
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from NYVO’s own NAV data.
Rebased to 100data to 20 Aug 2026Benchmark: Nifty Financial Services TRI
BANDHAN FINANCIAL SERVICES FUND
₹159
+59% on ₹100 over 3.1 yrs
Sectoral/ Thematic average
₹145
+45% on ₹100 over 3.1 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | 7.03% | – | – |
| 6 months | -0.74% | – | – |
| 1 year | 4.48% | – | – |
| 3 years (CAGR) | 17.39% | – | – |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- -2.9%
- Median
- 13.1%
- Best
- 44.1%
26 windows over the last 37 months, stepped monthly; 92% ended positive. Worst window began 2 Jun 2025. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 16.3%
- Median
- 16.7%
- Best
- 17.0%
2 windows over the last 37 months, stepped monthly; 100% ended positive. Worst window began 31 Jul 2023. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.64
- Sortino ratio (3Y)
- 0.97 vs category 0.54
- Standard deviation (3Y)
- 16.15%
- Beta (3Y)
- 0.91
- Alpha (3Y)
- 5.79%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.
Deepest fall
-16.8%
Right now
-1.9% below peak
Ahead of its benchmark in 69% of months (window: 3y, monthly) — benchmark: Nifty Financial Services TRI, name shown only.
Where the money actually is
Equity
97.4%
Cash
2.6%
Whole-portfolio split, as of 30 Jun 2026.
What it owns
63 positions · top 10 = 54.8%
Market-cap mix
Large 57.4%Mid 17.3%Small 22.7%Other 2.6%
as of 30 Jun 2026
Holdings by sector
Financial Services(9 in top 10)94.5%
- ICICI Bank Ltd13.97%
- HDFC Bank Ltd12.97%
- Kotak Mahindra Bank Ltd5.09%
- Axis Bank Ltd4.96%
- State Bank of India4.45%
- Bajaj Finance Ltd4.08%
- Cholamandalam Investment and Finance Co Ltd2.77%
- Max Financial Services Ltd2.23%
- Shriram Finance Ltd2.22%
- Technology2.5%
- Healthcare0.4%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 30 Jun 2026. Portfolio turnover 69.7% a year.
Other top holdings
- Triparty Repo Trp_0107262.57%
The businesses it owns
- P/E (trailing)
- 19.4
- P/B
- 2.3
- Dividend yield
- 0.8%
- Net margin
- 26.5%
- Earnings growth
- 12.6%
- Avg market cap
- ₹1.71 lakh crore
Money in, money out
- Net flow, 12 months
- +₹36 cr
- Net flow, 3 months
- −₹3 cr
as of 30 Jun 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of BANDHAN FINANCIAL SERVICES FUND?
- ₹15.94 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of BANDHAN FINANCIAL SERVICES FUND?
- 0.56% a year for the Direct plan, as of 30 Jun 2026.
- How large is BANDHAN FINANCIAL SERVICES FUND?
- ₹1,107 crore under management as of 30 Jun 2026, in the Sectoral/ Thematic category.
- How risky is BANDHAN FINANCIAL SERVICES FUND?
- Its SEBI Riskometer reading is "Very High Risk". One sector, one story. The most-launched shelf on the map, by far.
- What is the worst 3-year return of BANDHAN FINANCIAL SERVICES FUND?
- 16.3% a year — the weakest of 2 overlapping 3-year holding periods, beginning 31 Jul 2023. The median was 16.7% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages BANDHAN FINANCIAL SERVICES FUND?
- Harshal Joshi, managing this fund for 3 years.
Where this fund sits
Its shelf, all funds
St · Sectoral / thematic →
One sector, one story. The most-launched shelf on the map, by far.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund — growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Sectoral/ Thematic funds
- ICICI Prudential India Opportunities Fund₹38,299 crore
- ICICI Prudential Business Cycle Fund₹16,123 crore
- BANDHAN INNOVATION FUND₹2,392 crore
- BANDHAN Infrastructure Fund₹1,545 crore
- HDFC Housing Opportunities Fund₹1,173 crore
- LIC MF Infrastructure Fund₹1,145 crore
- Edelweiss Recently Listed IPO Fund₹1,104 crore
- Axis ESG Integration Strategy Fund₹1,083 crore
Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (Nifty Financial Services TRI) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.