Taurus Banking & Fin Serv Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?

Taurus Banking & Fin Serv Fund Direct Growth Plan has a NAV of ₹58.76 as of 10 Sep 2026 and an AUM of ₹11 Cr. Its 1-year, 3-year and 5-year returns are -0.36%, 8.2% and 9.4% respectively, and it sits in the High Risk category.

Our view is that this is a focused banking and financial services fund that has done better over longer horizons than over the latest year, but it still carries the risk that comes with a narrow sector tilt. The recent return pattern is mixed, so the fund looks better suited to investors who can hold through swings and who want sector-specific exposure rather than a broad-market core holding.

Quick facts

Particular	Details
NAV	₹58.76 as of 10 Sep 2026
AUM	₹11 Cr
Expense Ratio	1.57%
Launch Date	01 Jan 2013
Min SIP	₹500
Risk Category	High Risk
Benchmark	Nifty 50
Fund Category	Equity
Exit Load	1% on or before 365D, Nil after 365D
Fund Managers	Anuj Kapil

The fund is managed by Anuj Kapil.

Source data date: as of 10 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	-1.95%	-4.06%
3M	1.82%	1.37%
1Y	-0.36%	-7.31%
3Y	8.2%	6.07%
5Y	9.4%	5.91%

Short-term performance has been uneven, but the fund still held up better than the benchmark over 1 month, 1 year and 5 years. The 1-year return was slightly negative, which tells us the recent period was not smooth, yet it was still much less weak than the benchmark's 1-year decline. That relative resilience matters because it suggests the fund has not simply moved in step with the broader index.

Over 3 months, the fund stayed ahead of the benchmark as well, which points to a modest recovery in the latest stretch. Even so, the latest year remains the weakest part of the record, so our view is that the recent run is less convincing than the longer-term picture. Investors should read the 3-year and 5-year numbers together rather than focusing only on the latest year.

The longer-term pattern is stronger. The 3-year and 5-year returns both beat the benchmark, which indicates the strategy has been able to compound better than the index across a fuller cycle. The gap over 5 years is especially useful because it shows the fund has delivered steadier long-run value even though the path has not been linear.

In practical terms, this is a fund where the benchmark comparison and the fund's own return path tell the same general story: near-term pressure has been real, but the longer arc has been better. That combination makes the fund more interesting for investors who can tolerate intermittent drawdowns and are willing to stay with a sector-led approach through weaker patches.

Source data date: as of 10 Sep 2026

Should you BUY or HOLD Taurus Banking & Fin Serv?

A fund's past returns alone don't tell you whether you should buy it today or continue holding it.

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.

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Peer comparison

Fund	1Y return	3Y return	5Y return
Taurus Banking & Fin Serv Fund Direct Growth Plan	-0.36%	8.2%	9.4%
ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan	73.94%	37.12%	Data not available
Motilal Oswal Active Momentum Fund Direct Growth Plan	29.94%	Data not available	Data not available
Kotak Healthcare Fund Direct Growth Plan	29.26%	Data not available	Data not available
HDFC Pharma and Healthcare Fund Direct Growth Plan	28.3%	Data not available	Data not available
SBI Automotive Opportunities Fund Direct Growth Plan	27.13%	Data not available	Data not available

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.

The current fund trails the leading 1-year peer returns by a wide margin, which is not surprising given the sector mix and the fund's latest negative year. At the same time, its 3-year and 5-year numbers are the only long-horizon figures in this set that are available for direct comparison across the row and they remain positive, which gives the fund a more balanced long-run profile than the short-term picture suggests.

Several peers have far stronger 1-year momentum, but most of them do not provide usable 3-year or 5-year figures in this set. That means the shorter-term peer comparison looks very different from the longer-term comparison: peers stand out on one-year returns, while this fund stands out for having a visible longer-run track record above the benchmark. The two views are not contradictory; they simply describe different parts of the cycle.

Source data date: as of 10 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
ICICI Bank Ltd.	Bank	17.94%
HDFC Bank Ltd.	Bank	12.91%
State Bank of India	Bank	8.62%
Axis Bank Ltd.	Bank	8.07%
Kotak Mahindra Bank Ltd.	Bank	8.06%
Bajaj Finance Ltd.	Finance	4.33%
Dam Capital Advisors Ltd.	Domestic Equities	4.02%
General Insurance Corporation of India	Insurance	3.46%
Power Finance Corporation Ltd.	Finance	3.11%
Bajaj Holdings & Investment Ltd.	Finance	3.1%

The top 10 holdings account for approximately 73.62% of the portfolio.

To see all holdings, visit the Taurus Banking & Fin Serv Fund Direct Growth Plan page

The largest holding, ICICI Bank Ltd., stands at 17.94%, so it is likely to have greater influence on day-to-day movements than any other single position. The next four holdings are also large bank positions, which means the portfolio starts with a strong concentration at the top before weight tapers into finance, insurance and domestic equities.

The drop from the largest position to the tenth holding is steep, falling from 17.94% to 3.10%. That gap suggests the fund is not evenly spread across the top names, and the biggest exposures may matter much more than the smaller ones if the sector moves sharply. Even so, the presence of ten disclosed holdings shows that influence is shared across several positions rather than sitting in just one stock.

With 73.62% of assets in the displayed top holdings and 26 disclosed holdings in total, the portfolio looks concentrated in a few core names but still leaves room for a longer tail. Our view is that this structure can magnify both upside and downside when banking and financial services move in the same direction, so investors should expect a fairly focused sector outcome.

Source data date: as of 10 Sep 2026

Who should invest

This fund suits investors who can handle High Risk exposure and are comfortable with a sector-focused portfolio that may move more sharply than a diversified equity fund. The 3-year and 5-year records suggest it can reward patient holding periods, while the latest year shows that returns can still be uneven in the shorter run.

The main trade-off is clear: you are accepting a concentrated banking and financial-services exposure in exchange for the possibility of stronger long-run compounding than the benchmark. That makes it more appropriate for a medium- to long-term horizon, especially for investors who want a thematic satellite holding rather than a broad market core.

Tax and exit load

Holding period	Tax rate	Description
Units held less than 1 year	20%	Short-term capital gains tax
Units held more than 1 year	12.5%	Long-term capital gains tax

Exit load: 1% on or before 365D, Nil after 365D.

Source data date: as of 10 Sep 2026

Frequently asked questions

What is the current NAV of Taurus Banking & Fin Serv Fund Direct Growth Plan?

The current NAV is ₹58.76 as of 10 Sep 2026.

What are the fund’s 1-year, 3-year and 5-year returns?

The fund’s 1-year return is -0.36%, its 3-year return is 8.2% and its 5-year return is 9.4%.

How does the fund compare with the benchmark?

It has outpaced the benchmark over 3 years and 5 years, and it also held up better than the benchmark over 1 year and 1 month. The latest year was still negative, so the comparison is stronger over longer horizons than in the most recent stretch.

How does the fund compare with the peer funds listed here?

Its 1-year return is far below the strongest peer 1-year figures shown, but it has positive 3-year and 5-year returns while many peer entries do not show usable longer-term data here. That gives it a different profile from the faster-moving one-year peer leaders.

What is the minimum SIP amount?

The minimum SIP amount is ₹500.

Who manages the fund and what is the exit load?

The fund is managed by Anuj Kapil. The exit load is 1% on or before 365D, and Nil after 365D.

Bottom line

Taurus Banking & Fin Serv Fund Direct Growth Plan has a softer latest-year result but a stronger 3-year and 5-year record, so the recent picture is weaker than the longer-term one. Against the benchmark, the fund has been ahead over the longer periods and more resilient in the latest year as well. The portfolio is heavily tilted toward banks, with ICICI Bank Ltd. the largest holding, so it remains a focused High Risk sector fund that suits investors who can stay patient through uneven shorter-term swings.

Published on 11 September 2026 at 11:10 AM IST

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RIA disclosure

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.