EquitySectoral/ ThematicDirect · Growth
ITI Banking and Financial Services Fund - Direct Plan - Growth Option
ITI · Scheme 149321
₹17.66▼ 0.29%NAV · 2026-09-18
Average FundScore
AUM
₹387 cr
Expense ratio
1.12%
3Y CAGR
13.9%
Risk level
High
Min SIP
₹500
Benchmark
Nifty 500 TRI
Fund manager: Pradeep GokhaleExit load: Exit load of 0.50%, if redeemed within 3 months.
Average · 55/100
Middle-of-the-pack — compare it against better-scored peers.
🎯 For aggressive investors with a 7+ year horizon who can tolerate sharp ups and downs.
📈 Why it could do well
- ✓Protects capital well — worst-ever fall was only 17%.
- ✓3Y CAGR: +13.9%
- ✓Positive 3Y windows: 100% of rolling 3Y windows positive
- ✓Return stability: rolling-return std 2.6%
📉 What could drag it down
- •Weak risk-adjusted returns (Sharpe 0.40) — took on risk without enough payoff.
- •Sectoral/ Thematics are inherently higher-risk — best held 7+ years to ride out swings.
- •3Y CAGR vs category: -2.5% vs category avg
- •Beat category: beat category in 23% of windows
FundScore breakdown
55/100 · Average
Returns
Average
Consistency
Decent
Risk-adjusted
Weak
Downside protection
Decent
Cost efficiency
Decent
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.