Bank of India Banking & Financial Services Fund vs DSP Banking & Financial Services Fund
Bank of India Banking & Financial Services Fund and DSP Banking & Financial Services Fund are both Banking & Financial Services Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR — vs —, 5-year CAGR — vs —, volatility — vs 16.50%, maximum drawdown −14.30% vs −14.69%. Their portfolios overlap by 48.9% (19 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
| Bank of India Banking & Financial Services | DSP Banking & Financial Services | |
|---|---|---|
| Fund house | Bank of India Mutual Fund | DSP Mutual Fund |
| Compared as | Banking & Financial Services Funds | Banking & Financial Services Funds |
| NAV | ₹9.5900 | ₹15.0650 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 2 Feb 2026 | 11 Dec 2023 |
| Track record | 0.8 yrs | 2.9 yrs |
| Fund size (AUM) | ₹249 Cr | ₹2,034 Cr |
| Securities held | 35 | 35 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Bank of India Banking & Financial Services | DSP Banking & Financial Services | |
|---|---|---|
| 1 month | +3.34% | +2.79% |
| 3 months | −3.62% | −4.55% |
| 6 months | −3.62% | +0.27% |
| 1 year | — | +5.63% |
| 3 years (CAGR) | — | — |
| 5 years (CAGR) | — | — |
| 7 years (CAGR) | — | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | — | +14.96% |
| SIP return (XIRR, 5 years) ⓘ | — | — |
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
| Bank of India Banking & Financial Services | DSP Banking & Financial Services | |
|---|---|---|
| 2026 (year to date) | — | +2.69% |
| 2025 | — | +23.59% |
| 2024 | — | +17.42% |
Risk
| Bank of India Banking & Financial Services | DSP Banking & Financial Services | |
|---|---|---|
| Volatility (annualised) ⓘ | — | 16.50% |
| Downside volatility ⓘ | — | 10.87% |
| Sharpe ratio ⓘ | — | 0.51 |
| Sortino ratio ⓘ | — | 0.78 |
| Maximum drawdown ⓘ | −14.30% | −14.69% |
| Recovery from that fall | — | 3 months |
| Current fall from peak | −6.71% | −5.64% |
| Rolling 1-year return: worst | — | −2.34% |
| Rolling 1-year return: median | — | +17.70% |
| Rolling 1-year return: best | — | +32.09% |
| Share of 1-year periods with a loss | — | 1.27% |
Against each fund's benchmark
| Bank of India Banking & Financial Services | DSP Banking & Financial Services | |
|---|---|---|
| Beta ⓘ | — | 0.96 |
| Alpha (Jensen's, annualised) ⓘ | — | +7.09% |
| R² ⓘ | — | 77.19 |
| Upside capture | — | 121.50% |
| Downside capture | — | 85.49% |
| Tracking error | — | 7.89% |
| Information ratio | — | 0.94 |
| Treynor ratio | — | 6.42 |
Portfolio
Asset mix
| Bank of India Banking & Financial Services | DSP Banking & Financial Services | |
|---|---|---|
| Equity | 95.12% | 98.53% |
| Cash & equivalents | 4.88% | 1.47% |
Market-cap split (share of fund assets)
| Bank of India Banking & Financial Services | DSP Banking & Financial Services | |
|---|---|---|
| Large Cap | 61.61% | 52.91% |
| Mid Cap | 12.48% | 18.86% |
| Small Cap | 19.95% | 25.79% |
| Unclassified | 1.08% | 0.97% |
Concentration
| Bank of India Banking & Financial Services | DSP Banking & Financial Services | |
|---|---|---|
| Top 10 holdings | 56.12% | 53.43% |
| Effective number of stocks ⓘ | 20.4 | 22.7 |
| Securities held | 35 | 35 |
Portfolio overlap: 48.9%
19 companies are held by both funds; by weight, 48.9% of the two portfolios is the same. That is a moderate overlap.
| Held by both | Bank of India Banking & Financial Services | DSP Banking & Financial Services |
|---|---|---|
| ICICI Bank Limited | 10.41% | 9.70% |
| HDFC Bank Limited | 11.54% | 6.07% |
| State Bank of India | 8.77% | 4.63% |
| Shriram Finance Limited | 4.83% | 4.47% |
| City Union Bank Limited | 3.14% | 3.97% |
| Kotak Mahindra Bank Limited | 3.08% | 4.63% |
| Bajaj Finance Limited | 2.47% | 4.32% |
| Axis Bank Limited | 2.39% | 5.70% |
| Multi Commodity Exchange of India Limited | 2.15% | 3.41% |
| Bank of Maharashtra | 2.06% | 2.51% |
| Ujjivan Small Finance Bank Limited | 1.62% | 4.57% |
| BSE Limited | 2.48% | 1.42% |
| Canara HSBC Life Insurance Co Ltd | 1.37% | 4.13% |
| Karur Vysya Bank Limited | 1.33% | 2.68% |
| Cholamandalam Investment and Finance Company Ltd | 1.31% | 5.16% |
Top 10 holdings
Bank of India Banking & Financial Services
- HDFC Bank Limited11.54%
- ICICI Bank Limited10.41%
- State Bank of India8.77%
- Shriram Finance Limited4.83%
- One 97 Communications Limited4.04%
- ICICI Prudential Asset Management Company Limited3.60%
- Bank of Baroda3.56%
- Indian Bank3.15%
- City Union Bank Limited3.14%
- Kotak Mahindra Bank Limited3.08%
DSP Banking & Financial Services
- ICICI Bank Limited9.70%
- HDFC Bank Limited6.07%
- Axis Bank Limited5.70%
- Cholamandalam Investment and Finance Company Ltd5.16%
- State Bank of India4.63%
- Kotak Mahindra Bank Limited4.63%
- Ujjivan Small Finance Bank Limited4.57%
- Shriram Finance Limited4.47%
- Bajaj Finance Limited4.32%
- Max Financial Services Limited4.18%
Sector exposure
| Bank of India Banking & Financial Services | DSP Banking & Financial Services | |
|---|---|---|
| Banks | 52.08% | 48.38% |
| Finance | 15.95% | 23.56% |
| Capital Markets | 20.80% | 10.45% |
| Insurance | 1.37% | 12.44% |
| Financial Technology (Fintech) | 4.92% | 3.70% |
Questions people ask
What is the difference between Bank of India Banking & Financial Services and DSP Banking & Financial Services returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return — vs +5.63%; 3-year CAGR — vs —; 5-year CAGR — vs —; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do Bank of India Banking & Financial Services and DSP Banking & Financial Services compare on risk?
Volatility (36 monthly returns, annualised) — vs 16.50%; Sharpe ratio — vs 0.51; Sortino ratio — vs 0.78; maximum drawdown −14.30% vs −14.69%; beta — vs 0.96.
How much do Bank of India Banking & Financial Services and DSP Banking & Financial Services overlap?
By weight, 48.9% of the two portfolios is invested in the same companies; 19 stocks are held by both, the largest shared positions being ICICI Bank Limited, HDFC Bank Limited, State Bank of India. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of Bank of India Banking & Financial Services and DSP Banking & Financial Services?
Bank of India Banking & Financial Services: large cap 61.6%, mid cap 12.5%, small cap 20.0%. DSP Banking & Financial Services: large cap 52.9%, mid cap 18.9%, small cap 25.8% (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.