📊 Equity Fund · Deep Analysis

ICICI Prudential Banking and Financial Services Fund

ICICI Prudential Mutual Fund · Direct Growth · SEBI Category: Equity

Current NAV ₹141.4200 (+0.06% today) As of 04 Jun 2026
1 Year Return -5.8%
3 Year CAGR +10.5% p.a.
5 Year CAGR +10.1% p.a.
AAUM ₹10.6K Cr Jan–Mar 2026
All data from RightAdvise DB — calculated from 2,566 daily NAV records
Fund Overview

ICICI Prudential Banking and Financial Services Fund — Quick Summary

ICICI Prudential Banking and Financial Services Fund is India's largest banking sector fund by AUM — a position reflecting ICICI Prudential's natural expertise in financial sector investing given its parent ICICI Bank's position as one of India's largest private banks. The fund invests 80%+ in equity of banking and financial services companies — including private and public sector banks, NBFCs, insurance companies, broking firms, payment companies and housing finance companies.

The fund benefits from ICICI Pru's deep research capabilities in the financial sector and its proximity to banking sector management through the ICICI Group ecosystem. Roshan Chutkey's specialist focus on financial services means the portfolio is managed by someone who understands the sector's unique accounting, regulatory and business model nuances that generalist fund managers may miss.

Fund House
ICICI Prudential Mutual Fund
SEBI Category
Equity
Benchmark
Nifty Financial Services TRI
Fund Manager
Roshan Chutkey
AMFI Code
120244
Risk Level
Very High
NAV Records in DB
2,566 days
Quarterly Average AUM · Jan–Mar 2026
₹10.6K Cr
↓ Decreased by 1.2% vs Oct–Dec 2025 · ₹10.7K Cr
Official quarterly average AUM from AMFI disclosure. Published every 3 months.
📊
✓ Suitable For
Experienced investors with conviction on India's financial sector growth story. Those using banking funds as a 10-15% satellite allocation alongside diversified equity funds. Investors who understand banking sector economics and can monitor credit quality events actively.
India's largest banking sector fund with ICICI Group's financial sector expertise. Deep financial sector research from ICICI Pru's specialist team. Comprehensive coverage — banks, NBFCs, insurance, payment companies. Natural advantage from proximity to India's largest private banking ecosystem.
✗ Not Suitable For
First-time investors or those new to sector investing. Conservative investors who cannot handle 40-50% drawdowns during banking sector stress events. Those who want this as their primary or only equity fund.
Who Runs This Fund

Fund Manager

RC
Roshan Chutkey
ICICI Prudential Mutual Fund · Managing since January 2018

Roshan Chutkey is Fund Manager at ICICI Prudential Mutual Fund and manages the ICICI Prudential Banking and Financial Services Fund. He specialises in the financial services sector — bringing deep understanding of banking economics, credit cycles, regulatory dynamics and insurance business models. His research-intensive approach to financial sector investing benefits from ICICI Pru's extensive research infrastructure and proximity to the financial sector ecosystem.

For current co-manager details and full biography, refer to the latest ICICI Prudential Mutual Fund factsheet on AMFI or the AMC website.

What to Factor In

Things to Consider

Informational points to help you form your own view — not judgements or recommendations.

AMFI Code · Informational
AMFI Scheme Code: 120244
The official AMFI scheme code for ICICI Prudential Banking and Financial Services Fund Direct Growth is 120244. Use this when transacting on platforms or verifying data across databases.
Important Note
Points Worth Knowing
Banking and financial services sector funds are among the most interest-rate-sensitive equity funds. When RBI raises rates unexpectedly, banking stocks often fall sharply even if underlying business fundamentals are sound. Always monitor RBI policy stance when holding sector funds with heavy banking exposure.
Investment Objective
As per Scheme Information Document
To generate long term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services.
All Data Below — From RightAdvise Database
Category Comparison

Top 5 Banking & Financial Services Funds Compared

Live data. Current fund highlighted. Click any fund name for full analysis.

FundNAVAAUM1Y Return 3Y CAGR 5Y CAGR Sharpe (3Y)
ICICI Prudential Banking and Financial Services Fund ▲ ₹141.42 ₹10.6K Cr Jan–Mar 2026 -5.8% +10.5% p.a. +10.1% p.a. 0.43
SBI Banking and Financial Services Fund ₹47.05 ₹10.2K Cr Jan–Mar 2026 +1.8% +16.6% p.a. +13.0% p.a. 0.71
Nippon India Banking and Financial Services Fund ₹670.50 ₹7.4K Cr Jan–Mar 2026 -1.9% +13.5% p.a. +14.0% p.a. 0.62
Aditya Birla Sun Life Banking and Financial Services Fund ₹66.74 ₹3.5K Cr Jan–Mar 2026 -1.2% +12.1% p.a. +11.4% p.a. 0.48
Tata Banking and Financial Services Fund ₹48.64 ₹3.1K Cr Jan–Mar 2026 -1.5% +13.2% p.a. +12.5% p.a. 0.58
Best value in each column shown in green. AAUM from latest AMFI quarterly filing. Returns calculated from daily NAV history.
Performance

Fund Returns

Calculated from 2,566 daily NAV records in RightAdvise DB. Last calculated: Jun 2026.

1M / 3M / 6M / 1Y — simple point-to-point return  ·  3Y / 5Y / 10Y — CAGR (compounded annual growth rate)

1 MonthPoint-to-point
-2.3%
3 MonthPoint-to-point
-7.7%
6 MonthPoint-to-point
-10.0%
1 YearPoint-to-point
-5.8%
3 YearCAGR
+10.5% p.a.
5 YearCAGR
+10.1% p.a.
10 YearCAGR
+13.8% p.a.
₹1 Lakh → 5YLump sum growth
₹158,988

Best & Worst Periods Ever

Based on all rolling windows in full NAV history. Dates show the start and end of each period.

Best 1Y WindowSimple return
+109.0%
May 2020 – May 2021
Worst 1Y WindowSimple return
-40.5%
Mar 2019 – Mar 2020
Best 3Y CAGRCAGR p.a.
+36.3% p.a.
May 2020 – Jun 2023
Worst 3Y CAGRCAGR p.a.
-9.4% p.a.
Apr 2017 – May 2020

Calendar Year Returns

Jan 1 to Dec 31 each year. Simple point-to-point — not CAGR.

2025
+16.8%
2024
+12.5%
2023
+18.9%
2022
+13.0%
2021
+24.5%
2020
-4.7%
2019
+15.6%
2018
+0.8%
2017
+47.0%
Consistency Analysis

Rolling Returns ℹ️ What is this?

Rolling returns show performance across every possible investment start date — not one cherry-picked number. Learn more →

1Y Rolling Avg
18.0%
Positive in 82% of windows
Best: 109.0% · Worst: -40.5%
3Y Rolling Avg
14.0% p.a.
Positive in 91% of windows
Best: 36.3% · Worst: -9.4%
5Y Rolling Avg
14.6% p.a.
Positive in 100% of windows
Best: 30.0% · Worst: 6.5%
1-Year Rolling Returns Each bar = 1Y return starting from that date
Risk Analysis

Maximum Drawdown ℹ️ What is this?

How much the fund fell from its peak NAV — what investors actually experience during crashes. Calculated from full NAV history.

Max Drawdown Ever
-47.8%
Jan 2020 → Mar 2020
Recovered: Feb 2021 (1yr 3mo)
Current from Peak
-11.4%
All-time Peak: ₹159.15
Peak date: Jan 2026

How the fund behaved in key crisis periods

Calculated from actual NAV data. "Pre-inception" means the fund didn't exist during that period.

2024–25 Tariff / Correction
-11.2%
Sep 27, 2024 – Apr 7, 2025
Recovered: Apr 2025 (2 mos)
COVID-19 Crash
-46.5%
Feb 19 – Mar 23, 2020
Recovered: Jan 2021 (1yr 2mo)
2022 Rate Hike Cycle
-16.4%
Jan 17 – Jun 17, 2022
Recovered: Aug 2022 (3 mos)
2018 IL&FS Crisis
-17.4%
Aug 28 – Oct 26, 2018
Recovered: Mar 2019 (7 mos)
Risk Metrics

Risk Ratios

Calculated from 3 years of daily NAV — industry standard. Risk-free rate: 6.5% p.a. Last updated: Jun 2026. What do these mean? →

Sharpe Ratio (3Y)
0.43
Return per unit of total risk. >1 is good. Learn more →
Sortino Ratio (3Y)
0.62
Like Sharpe but only penalises downside volatility. Learn more →
Std Deviation (3Y)
13.2%
Annualised monthly volatility. Lower = more consistent returns. Learn more →
📊
Want to see what ICICI Prudential Banking and Financial Services Fund is actually holding?

Our portfolio holdings page shows every stock the fund owns, sector allocation, and month-over-month changes — from official AMC disclosures.

Full current portfolio — all stocks, weights, sectors
New entries and exits over the last 3 months
Sector allocation and month-over-month changes
Updated monthly from official AMC disclosures
See Portfolio Holdings →
← Compare all Equity Funds

See how ICICI Prudential Banking and Financial Services Fund ranks against other Equity funds on returns, drawdown, Sharpe ratio and AAUM — side by side.

Learn the Metrics
📖 Deep Dive
CAGR, Sharpe, Sortino & Std Dev
What these numbers mean and how to use them
📖 Deep Dive
Drawdown & Rolling Returns
Why these reveal more than any CAGR figure
⚠️ RightAdvise.com is NOT registered with SEBI. All content is for educational purposes only. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully and consult a SEBI-registered advisor before investing.
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⚠️ RightAdvise.com is NOT registered with SEBI. All content is for educational purposes only. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully and consult a SEBI-registered advisor before investing.