{"id":244988,"date":"2026-09-11T17:58:36","date_gmt":"2026-09-11T12:28:36","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/"},"modified":"2026-09-11T17:58:36","modified_gmt":"2026-09-11T12:28:36","slug":"tata-banking-and-financial-services-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/","title":{"rendered":"Tata Banking &#038; Financial Services Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/tata-banking-financial-services-fund-g-direct-plan\">Tata Banking &amp; Financial Services Fund Direct Growth Plan<\/a> has a NAV of \u20b952.1697 as of 10 Sep 2026 and an AUM of \u20b93,300 Cr. Its 1-year, 3-year and 5-year returns are 6.52%, 11.87% and 12.35%, respectively, while the official risk label is High Risk. Our view is that this is a sector-focused equity fund that has held up better over longer periods than over the recent year, so it may suit investors who can tolerate higher volatility and want banking and financial services exposure with a long holding period.<\/p>\n<p>The fund\u2019s five-year return is ahead of the benchmark\u2019s 5.91%, but the one-year return is much more restrained, which tells us the recent stretch has been less supportive than the longer compounding path. The portfolio is heavily tilted toward large banks and financial names, so performance may stay closely tied to that part of the market.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_Tata_Banking_Financial_Services\" title=\"Should you BUY or HOLD Tata Banking &#038; Financial Services?\">Should you BUY or HOLD Tata Banking &#038; Financial Services?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/tata-banking-and-financial-services-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b952.1697 as of 10 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b93,300 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.45%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>28 Dec 2015<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9100<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Equity<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>0.25% on or before 30D<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Kapil Malhotra<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Kapil Malhotra.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.64%<\/td>\n<td>-4.06%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>7.07%<\/td>\n<td>1.37%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>6.52%<\/td>\n<td>-7.31%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>11.87%<\/td>\n<td>6.07%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>12.35%<\/td>\n<td>5.91%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent pattern is mixed, but it is not weak in every window. The fund slipped slightly over one month, yet it still did better than the benchmark, which fell more sharply. Over three months, the fund recovered well and stayed clearly ahead of the benchmark, which supports the idea that the strategy can participate when the financial segment is in favour.<\/p>\n<p>The one-year result is more important for reading the current cycle. A 6.52% return is positive, but the benchmark was negative over the same period, so the fund has shown relative resilience rather than strong absolute momentum. That makes the recent year look steadier than the benchmark, even if the absolute gain is modest for an equity fund.<\/p>\n<p>The longer record is more constructive. Both the 3-year and 5-year numbers are comfortably above the benchmark, which suggests the fund has been able to compound better across a fuller market cycle. In our view, that gap between the short-term and long-term picture matters: the fund has not been a smooth performer, but the longer run has been stronger than the latest one-year stretch.<\/p>\n<p>The time pattern also points to swings rather than a straight-line rise. That is consistent with a sector fund whose outcomes can change as banking and financial stocks move through different market phases. For investors, that means the fund\u2019s return profile may depend heavily on whether the sector stays supportive over the chosen holding period.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Tata_Banking_Financial_Services\"><\/span>Should you BUY or HOLD Tata Banking &#038; Financial Services?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Tata Banking &#038; Financial Services? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/tata-banking-financial-services-fund-g-direct-plan\">Tata Banking &amp; Financial Services Fund Direct Growth Plan<\/a><\/td>\n<td>6.52%<\/td>\n<td>11.87%<\/td>\n<td>12.35%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-strategic-metal-and-energy-equity-fof-g-direct-plan\">ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan<\/a><\/td>\n<td>73.94%<\/td>\n<td>37.12%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-active-momentum-fund-g-direct-plan\">Motilal Oswal Active Momentum Fund Direct Growth Plan<\/a><\/td>\n<td>29.94%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-healthcare-fund-g-direct-plan\">Kotak Healthcare Fund Direct Growth Plan<\/a><\/td>\n<td>29.26%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-pharma-and-healthcare-fund-g-direct-plan\">HDFC Pharma and Healthcare Fund Direct Growth Plan<\/a><\/td>\n<td>28.3%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-automotive-opportunities-fund-g-direct-plan\">SBI Automotive Opportunities Fund Direct Growth Plan<\/a><\/td>\n<td>27.13%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On the available one-year figures, the fund trails the strongest peer numbers by a wide margin, although that comparison is across different themes and should be read as a return snapshot rather than a like-for-like forecast. The 3-year and 5-year figures are more useful for this fund: they show a steadier longer-term outcome than the very strong one-year peer readings for some thematic funds, but the fund itself is still ahead of peers where multi-year data is available. That creates a split story between the short term and the longer horizon.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>ICICI Bank Ltd<\/td>\n<td>Bank<\/td>\n<td>10.57%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Bank Ltd<\/td>\n<td>Bank<\/td>\n<td>9.15%<\/td>\n<\/tr>\n<tr>\n<td>State Bank of India<\/td>\n<td>Bank<\/td>\n<td>8.81%<\/td>\n<\/tr>\n<tr>\n<td>Axis Bank Ltd<\/td>\n<td>Bank<\/td>\n<td>8.21%<\/td>\n<\/tr>\n<tr>\n<td>Kotak Mahindra Bank Ltd<\/td>\n<td>Bank<\/td>\n<td>5.22%<\/td>\n<\/tr>\n<tr>\n<td>Shriram Finance Ltd<\/td>\n<td>Finance<\/td>\n<td>4.92%<\/td>\n<\/tr>\n<tr>\n<td>PB Fintech Ltd<\/td>\n<td>IT<\/td>\n<td>4.58%<\/td>\n<\/tr>\n<tr>\n<td>SBI Life Insurance Company Ltd<\/td>\n<td>Insurance<\/td>\n<td>3.54%<\/td>\n<\/tr>\n<tr>\n<td>HDFC Asset Management Company Ltd<\/td>\n<td>Finance<\/td>\n<td>2.98%<\/td>\n<\/tr>\n<tr>\n<td>Bajaj Finance Ltd<\/td>\n<td>Finance<\/td>\n<td>2.9%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The top 10 holdings account for approximately 60.88% of the portfolio.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/tata-banking-financial-services-fund-g-direct-plan\">Tata Banking &amp; Financial Services Fund Direct Growth Plan<\/a> page<\/p>\n<p>The largest holding is ICICI Bank Ltd at 10.57%, so it is likely to have the most direct influence on the fund among the disclosed positions. The next few holdings are also sizable, but the weights ease down steadily rather than falling off sharply, which suggests the portfolio is not driven by one isolated position alone.<\/p>\n<p>By the tenth holding, the weight is 2.9%, so the spread from the top holding to the tail of the disclosed list is meaningful. Even so, the concentration remains visible because the top 10 positions together account for 60.88% of the portfolio. With 34 disclosed holdings in total, the fund may still have a longer tail beyond the top names, but the visible structure is clearly anchored in a relatively compact set of banking and financial stocks.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund is better suited to investors who are comfortable with High Risk exposure and who can stay invested long enough for sector cycles to play out. The 1-year return is positive but modest, while the 3-year and 5-year numbers are stronger and sit above the benchmark, so the case for the fund is more about patience than quick outcomes.<\/p>\n<p>It may appeal to investors who want a banking and financial services tilt inside an equity allocation and who accept that performance can move around with the sector. The main trade-off is clear: the portfolio offers focused exposure to financial names, but that focus can bring sharper swings than a broader diversified fund.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load<\/strong>: 0.25% on or before 30D. No exit load after holding period.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 10 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>What is the current NAV of Tata Banking &amp; Financial Services Fund Direct Growth Plan?<\/strong><br \/>The current NAV is \u20b952.1697 as of 10 Sep 2026.<\/p>\n<p><strong>What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/strong><br \/>The 1-year return is 6.52%, the 3-year return is 11.87% and the 5-year return is 12.35%.<\/p>\n<p><strong>How does the fund compare with its benchmark?<\/strong><br \/>It has outperformed the Nifty 50 over 3 years and 5 years. Over 1 year, the fund stayed positive while the benchmark was negative.<\/p>\n<p><strong>Which peer funds have stronger recent one-year returns?<\/strong><br \/>The listed peers all have stronger one-year returns on the table, led by ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan at 73.94%. The other peer figures shown are 29.94%, 29.26%, 28.3% and 27.13%.<\/p>\n<p><strong>What is the minimum SIP amount?<\/strong><br \/>The minimum SIP amount is \u20b9100.<\/p>\n<p><strong>What risk and exit-load features should I note?<\/strong><br \/>The fund is marked High Risk and is managed by Kapil Malhotra. The exit load is 0.25% on or before 30D, and there is no exit load after the holding period.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The fund\u2019s recent year has been steadier than the benchmark but not especially strong in absolute terms, while the 3-year and 5-year records look more convincing. That longer-term edge is paired with a High Risk profile and a concentrated tilt toward banking and financial names, so the outcome can move with that segment. For investors who want focused sector exposure and can hold through uneven stretches, the fund\u2019s longer-run pattern is more relevant than the latest one-year return.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 11 September 2026 at 5:57 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Tata Banking & Financial Services Fund Direct Growth Plan\",\"identifier\":\"tata-banking-financial-services-fund-g-direct-plan\",\"category\":\"Equity\",\"dateCreated\":\"28 Dec 2015\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":52.1697,\"valueReference\":\"as of 10 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"3300 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.45\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":6.52},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":11.87},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":12.35},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Kapil Malhotra\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Tata Banking & Financial Services Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b952.1697 as of 10 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 6.52%, the 3-year return is 11.87% and the 5-year return is 12.35%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has outperformed the Nifty 50 over 3 years and 5 years. Over 1 year, the fund stayed positive while the benchmark was negative.\"}},{\"@type\":\"Question\",\"name\":\"Which peer funds have stronger recent one-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The listed peers all have stronger one-year returns on the table, led by ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan at 73.94%. The other peer figures shown are 29.94%, 29.26%, 28.3% and 27.13%.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9100.\"}},{\"@type\":\"Question\",\"name\":\"What risk and exit-load features should I note?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is marked High Risk and is managed by Kapil Malhotra. The exit load is 0.25% on or before 30D, and there is no exit load after the holding period.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tata Banking &#038; Financial Services Fund Direct Growth Plan has a High Risk profile, a \u20b952.1697 NAV as of 10 Sep 2026, and 5-year returns of 12.35%.<\/p>\n","protected":false},"author":38,"featured_media":244987,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-244988","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["244987"],"rank_math_title":["Tata Banking Fund Review 2026 | NAV &amp; Returns"],"rank_math_description":["Tata Banking &amp; Financial Services Fund Direct Growth Plan has a \u20b952.1697 NAV and 5Y return of 12.35% as of 10 Sep 2026."],"rank_math_focus_keyword":["Tata Banking & Financial Services Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Tata_Banking_Financial_Services_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/244988","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=244988"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/244988\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/244987"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=244988"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=244988"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=244988"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}