Aditya Birla Sun Life Banking and Financial Services Fund vs HDFC Banking & Financial Services Fund
Aditya Birla Sun Life Banking and Financial Services Fund and HDFC Banking & Financial Services Fund are both Banking & Financial Services Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +11.07% vs +12.96%, 5-year CAGR +9.81% vs +11.23%, volatility 16.95% vs 16.86%, maximum drawdown −47.45% vs −21.72%. Their portfolios overlap by 68.6% (23 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| Aditya Birla Sun Life Banking and Financial Services | HDFC Banking & Financial Services | |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | HDFC Mutual Fund |
| Compared as | Banking & Financial Services Funds | Banking & Financial Services Funds |
| NAV | ₹70.3700 | ₹19.1150 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 18 Dec 2013 | 1 Jul 2021 |
| Track record | 12.9 yrs | 5.3 yrs |
| Fund size (AUM) | ₹3,406 Cr | ₹4,425 Cr |
| Securities held | 41 | 37 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Aditya Birla Sun Life Banking and Financial Services | HDFC Banking & Financial Services | |
|---|---|---|
| 1 month | +3.50% | +3.70% |
| 3 months | −3.39% | −2.50% |
| 6 months | −0.87% | +0.81% |
| 1 year | −0.65% | +1.94% |
| 3 years (CAGR) | +11.07% | +12.96% |
| 5 years (CAGR) | +9.81% | +11.23% |
| 7 years (CAGR) | +12.00% | — |
| 10 years (CAGR) | +12.50% | — |
| Since launch (CAGR) | +16.46% | +13.07% |
| SIP return (XIRR, 5 years) ⓘ | +10.72% | +12.39% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| Aditya Birla Sun Life Banking and Financial Services | HDFC Banking & Financial Services | |
|---|---|---|
| 2026 (year to date) | −3.03% | −0.90% |
| 2025 | +18.58% | +18.13% |
| 2024 | +9.76% | +11.28% |
| 2023 | +22.93% | +23.24% |
| 2022 | +12.56% | +16.99% |
| 2021 | +17.97% | — |
Risk
| Aditya Birla Sun Life Banking and Financial Services | HDFC Banking & Financial Services | |
|---|---|---|
| Volatility (annualised) ⓘ | 16.95% | 16.86% |
| Downside volatility ⓘ | 11.40% | 11.34% |
| Sharpe ratio ⓘ | 0.27 | 0.38 |
| Sortino ratio ⓘ | 0.40 | 0.57 |
| Maximum drawdown ⓘ | −47.45% | −21.72% |
| Recovery from that fall | 9 months | 5 months |
| Current fall from peak | −4.70% | −3.79% |
| Rolling 1-year return: worst | −43.19% | −5.78% |
| Rolling 1-year return: median | +15.59% | +14.77% |
| Rolling 1-year return: best | +105.72% | +40.29% |
| Share of 1-year periods with a loss | 18.41% | 4.76% |
Against each fund's benchmark
| Aditya Birla Sun Life Banking and Financial Services | HDFC Banking & Financial Services | |
|---|---|---|
| Beta ⓘ | 0.95 | 0.97 |
| Alpha (Jensen's, annualised) ⓘ | −0.78% | +1.06% |
| R² ⓘ | 79.42 | 81.59 |
| Upside capture | 96.39% | 100.27% |
| Downside capture | 100.49% | 94.46% |
| Tracking error | 7.60% | 7.20% |
| Information ratio | -0.17 | 0.11 |
| Treynor ratio | 2.54 | 4.64 |
Portfolio
Asset mix
| Aditya Birla Sun Life Banking and Financial Services | HDFC Banking & Financial Services | |
|---|---|---|
| Equity | 98.89% | 99.41% |
| Cash & equivalents | 1.10% | 0.59% |
Market-cap split (share of fund assets)
| Aditya Birla Sun Life Banking and Financial Services | HDFC Banking & Financial Services | |
|---|---|---|
| Large Cap | 64.35% | 68.82% |
| Mid Cap | 12.79% | 11.06% |
| Small Cap | 19.74% | 17.38% |
| Unclassified | 2.01% | 2.15% |
Concentration
| Aditya Birla Sun Life Banking and Financial Services | HDFC Banking & Financial Services | |
|---|---|---|
| Top 10 holdings | 62.05% | 66.15% |
| Effective number of stocks ⓘ | 17.7 | 15.8 |
| Securities held | 41 | 37 |
Portfolio overlap: 68.6%
23 companies are held by both funds; by weight, 68.6% of the two portfolios is the same. That is a high overlap: holding both adds little diversification beyond holding one.
| Held by both | Aditya Birla Sun Life Banking and Financial Services | HDFC Banking & Financial Services |
|---|---|---|
| ICICI Bank Limited | 13.86% | 13.85% |
| HDFC Bank Limited | 10.53% | 12.89% |
| Axis Bank Limited | 8.05% | 7.76% |
| State Bank of India | 5.05% | 6.07% |
| Shriram Finance Limited | 5.44% | 4.22% |
| Bajaj Finance Limited | 6.73% | 3.96% |
| Kotak Mahindra Bank Limited | 3.62% | 8.61% |
| SBI Life Insurance Company Limited | 2.66% | 3.72% |
| AU Small Finance Bank Limited | 2.91% | 2.40% |
| ICICI Lombard General Insurance Company Limited | 1.88% | 1.89% |
| Home First Finance Company India Limited | 1.72% | 1.71% |
| Billionbrains Garage Ventures Ltd | 2.34% | 1.66% |
| PNB Housing Finance Limited | 3.02% | 1.61% |
| Tata Capital Limited | 2.18% | 1.26% |
| ICICI Prudential Asset Management Company Limited | 1.23% | 1.16% |
Top 10 holdings
Aditya Birla Sun Life Banking and Financial Services
- ICICI Bank Limited13.86%
- HDFC Bank Limited10.52%
- Axis Bank Limited8.05%
- Bajaj Finance Limited6.73%
- Shriram Finance Limited5.44%
- State Bank of India5.05%
- Kotak Mahindra Bank Limited3.62%
- PNB Housing Finance Limited3.02%
- AU Small Finance Bank Limited2.91%
- Bank of Maharashtra2.84%
HDFC Banking & Financial Services
- ICICI Bank Limited13.85%
- HDFC Bank Limited12.89%
- Kotak Mahindra Bank Limited8.61%
- Axis Bank Limited7.76%
- State Bank of India6.07%
- Shriram Finance Limited4.22%
- Bajaj Finance Limited3.96%
- SBI Life Insurance Company Limited3.72%
- Five Star Business Finance Limited2.67%
- AU Small Finance Bank Limited2.40%
Sector exposure
| Aditya Birla Sun Life Banking and Financial Services | HDFC Banking & Financial Services | |
|---|---|---|
| Banks | 54.52% | 58.27% |
| Finance | 26.18% | 22.76% |
| Insurance | 7.62% | 9.21% |
| Capital Markets | 8.43% | 8.41% |
| Financial Technology (Fintech) | 2.15% | 0.76% |
Questions people ask
What is the difference between Aditya Birla Sun Life Banking and Financial Services and HDFC Banking & Financial Services returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return −0.65% vs +1.94%; 3-year CAGR +11.07% vs +12.96%; 5-year CAGR +9.81% vs +11.23%; 10-year CAGR +12.50% vs —. Past returns do not indicate future returns.
How do Aditya Birla Sun Life Banking and Financial Services and HDFC Banking & Financial Services compare on risk?
Volatility (36 monthly returns, annualised) 16.95% vs 16.86%; Sharpe ratio 0.27 vs 0.38; Sortino ratio 0.40 vs 0.57; maximum drawdown −47.45% vs −21.72%; beta 0.95 vs 0.97.
How much do Aditya Birla Sun Life Banking and Financial Services and HDFC Banking & Financial Services overlap?
By weight, 68.6% of the two portfolios is invested in the same companies; 23 stocks are held by both, the largest shared positions being ICICI Bank Limited, HDFC Bank Limited, Axis Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of Aditya Birla Sun Life Banking and Financial Services and HDFC Banking & Financial Services?
Aditya Birla Sun Life Banking and Financial Services: large cap 64.4%, mid cap 12.8%, small cap 19.7%. HDFC Banking & Financial Services: large cap 68.8%, mid cap 11.1%, small cap 17.4% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 5 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.