ITI MF

CATEGORY OF SCHEME	Sectoral/ Thematic Fund
INVESTMENT OBJECTIVE	The investment objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the scheme would be achieved.
Inception Date (Date of Allotment):	06-Dec-21
Benchmark:	Nifty Financial Services TRI
Minimum Application Amount:	Rs. 5,000/- and in multiples of Re. 1/- thereafter
Load Structure:	Entry Load: Nil Exit Load:1% if redeemed or switched out on or before completion of 12 months from the date of allotment of units · Nil, if redeemed or switched out after completion of 12 months from the date of allotment of units.
Total Expense Ratio (TER):	Including Additional Expenses and Goods and Service Tax on Management Fees Regular Plan: 2.38% Direct Plan: 0.69%
Fund Manager	Mr. Nilay Dalal (Since 05 May 2023) Total Experience : 12 years Mr. Rohan Korde (Since 29-Apr-22) Total Experience: 17 years

AUM (in Rs. Cr):	310.07
AAUM (in Rs. Cr):	314.87
% of top 5 holdings:	58.18%
% of top 10 holdings:	70.63%
No of scrips:	34

Standard Deviation^:	12.45%
Beta^:	0.94
*Sharpe Ratio^:**	0.69
Average P/B	4.05
Average P/E	19.27
Portfolio Turnover Ratio	1.22
^^Computed for the 3-yr period ended July 31, 2025. Based on monthly return. *Risk free rate: 5.54 (Source: FIMMDA MIBOR) (P/E ratio taken on net equity level)

	Regular Plan (in Rs.)	Direct Plan (in Rs.)
Growth:	14.9153	16.0474
IDCW:	14.9153	16.0474

Name of the Instrument	% to NAV	% to NAV Derivatives
Equity & Equity Related Total	96.98
Financial Services	96.98
HDFC Bank Limited	25.01
ICICI Bank Limited	11.65
Axis Bank Limited	7.42
State Bank of India	7.20
Kotak Mahindra Bank Limited	6.91
Bajaj Finance Limited	4.56
HDFC Life Insurance Company Limited	2.20
RBL Bank Limited	2.11
ICICI Lombard General Insurance Company Limited	1.94
Jio Financial Services Limited	1.65
Bajaj Finserv Limited	1.62
L&T Finance Limited	1.57
Aptus Value Housing Finance India Limited	1.44
IndusInd Bank Limited	1.31
SBI Life Insurance Company Limited	1.31
IIFL Finance Limited	1.22
City Union Bank Limited	1.04
Aditya Birla Capital Limited	1.03
HDB Financial Services Limited	1.03
DCB Bank Limited	1.02
Ujjivan Small Finance Bank Limited	1.02
Max Financial Services Limited	1.00
Bandhan Bank Limited	1.00
KFin Technologies Limited	1.00
The South Indian Bank Limited	1.00
Go Digit General Insurance Limited	1.00
ICICI Prudential Life Insurance Company Limited	0.99
Nuvama Wealth Management Limited	0.99
Motilal Oswal Financial Services Limited	0.98
Manappuram Finance Limited	0.98
PNB Housing Finance Limited	0.97
IDFC First Bank Limited	0.95
Housing & Urban Development Corporation Limited	0.95
Shriram Finance Limited	0.93
Short Term Debt & Net Current Assets	3.02

Top Ten Holdings

Period	Fund Returns (%)	Benchmark Returns (%)	Additional Benchmark Returns (%)	Fund (Rs)	Benchmark (Rs)	Additional Benchmark Returns (Rs)
Regular - Growth
Last 1 Year	9.10%	14.95%	0.54%	10,910	11,495	10,054
Last 3 Years	14.09%	16.23%	14.29%	14,868	15,721	14,946
Since Inception	11.57%	13.13%	12.38%	14,915	15,693	15,313
Direct - Growth
Last 1 Year	11.11%	14.95%	0.54%	11,111	11,495	10,054
Last 3 Years	16.33%	16.23%	14.29%	15,760	15,721	14,946
Since Inception	13.83%	13.13%	12.38%	16,047	15,693	15,313

Past performance may or may not be sustained in future and is not a guarantee of any future returns, and should not be used as a basis of comparison with other investments. The performance data for 5 years period has not been provided, since scheme is in existence for less than 5 years. In case, the start / end date of the concerned period is a non-business date (NBD), the NAV of the previous date is considered for computation of returns. Different Plans i.e. Regular Plan and Direct Plan under the scheme have different expense structure. Benchmark: Nifty Financial Services TRI Additional Benchmark: Nifty 50 TRI. Fund Managers: Mr. Nilay Dalal (Managing since 05-May-23) and Mr. Rohan Korde (Managing since 29-Apr-22). Inception date of the scheme (06-Dec-21). Face Value per unit: Rs. 10.ITI Banking and Financial Services Fund NAV as on July 31, 2025: Rs. 14.9153 (Regular Growth Option), Rs. 16.0474 (Direct Growth Option)

Period	Amount Invested	Fund Returns (%)	Benchmark Returns (%)	Additional Benchmark Returns (%)	Fund Value ()	Benchmark Value ()	Additional Benchmark Value ()
Regular - Growth
Last 1 Year	1,20,000	14.13%	19.32%	5.66%	1,28,902	1,32,087	1,23,612
Last 3 Year	3,60,000	13.54%	17.33%	13.10%	4,40,316	4,64,760	4,37,497
Since Inception	4,40,000	13.60%	16.62%	13.17%	5,63,732	5,94,504	5,59,408
Direct - Growth
Last 1 Year	1,20,000	16.17%	19.32%	5.66%	1,30,160	1,32,087	1,23,612
Last 3 Year	3,60,000	15.69%	17.33%	13.10%	4,54,066	4,64,760	4,37,497
Since Inception	4,40,000	15.80%	16.62%	13.17%	5,85,983	5,94,504	5,59,408

Past performance may or may not be sustained in future and is not a guarantee of any future returns, and should not be used as a basis of comparison with other investments. Different Plans i.e. Regular Plan and Direct Plan under the scheme have different expense structure. Benchmark: Nifty Financial Services TRI Additional Benchmark: Nifty 50 TRI. For SIP returns, monthly investment of Rs.10,000 invested on the 1st business day of every month has been considered. CAGR Returns (%) are computed after accounting for the cash flow by using the XIRR method (investment internal rate of return).