COMPARE
Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth vs ITI Banking and Financial Services Fund - Direct Plan - Growth Option
Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth and ITI Banking and Financial Services Fund are both in the Sectoral/ Thematic category, from Aditya Birla Sun Life AMC Limited and ITI Asset Management Limited respectively. Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth has posted a higher 3-year rolling CAGR. ITI Banking and Financial Services Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
ITI Banking and Financial Services Fund has the lower direct-plan expense ratio, by 0.11 percentage points.
| Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth | ITI Banking and Financial Services Fund - Direct Plan - Growth Option | |
|---|---|---|
| Category | Sectoral/ Thematic | Sectoral/ Thematic |
| AMC | Aditya Birla Sun Life AMC Limited | ITI Asset Management Limited |
| Benchmark | BSE 500 TRI | Nifty Financial Services TRI |
| NAV | ₹29.61 (2026-10-28) | ₹16.0212 (2026-10-28) |
| AUM | ₹1,356.868 Cr | ₹355.24 Cr |
| Expense Ratio (Direct) | 1.19% | 1.08% |
| Inception | 2020-10-05 | 2021-11-15 |
Returns
Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth leads on 3-year rolling CAGR (19.9% vs ITI Banking and Financial Services Fund's 15.1%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
ITI Banking and Financial Services Fund has been the more volatile of the two by standard deviation.
Portfolio Analytics
Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth carries the higher portfolio P/E ratio (a rougher proxy for how richly the underlying holdings are valued) - see the table below for the full comparison.
| Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth | ITI Banking and Financial Services Fund - Direct Plan - Growth Option | |
|---|---|---|
| P/E Ratio | 27.0064 | 19.1012 |
| P/B Ratio | 6.656 | 4.3 |
| Dividend Yield | 0.7593% | 0.775% |
| Active Share | 77.6% | 43.72% |
| Portfolio Turnover | 39% | 199% |
| YTM | - | - |
| Duration (Macaulay) | - | - |
Punji Fund Health Score
Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth has the stronger Punji Quality grade of the two.
Frequently asked questions
Which has a higher 3-year return, Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth or ITI Banking and Financial Services Fund?
Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth's 3-year rolling CAGR of 19.9% is higher than ITI Banking and Financial Services Fund's 15.1%. Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth sits in the 75th percentile of its category on this metric, versus the 31st percentile for ITI Banking and Financial Services Fund - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth or ITI Banking and Financial Services Fund?
ITI Banking and Financial Services Fund's direct-plan expense ratio is 0.11 percentage points lower than Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Which fund carries more risk, Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth or ITI Banking and Financial Services Fund?
By standard deviation (a measure of how much a fund's returns swing around its own average), ITI Banking and Financial Services Fund has been more volatile than Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (0.64 for Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth vs 0.15 for ITI Banking and Financial Services Fund) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth or ITI Banking and Financial Services Fund?
Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth has ₹1,357 Cr in assets under management, versus ₹355 Cr for ITI Banking and Financial Services Fund. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which fund has a longer track record, Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth or ITI Banking and Financial Services Fund?
Aditya Birla Sun Life Special Opportunities Fund-Direct-Growth launched on 2020-10-05, making it older than ITI Banking and Financial Services Fund (launched 2021-11-15). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.