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Bandhan Financial Services Fund - Direct Plan - Growth vs Nippon India Pharma Fund - Direct Plan Growth Plan - Growth Option
Bandhan Financial Services Fund and Nippon India Pharma Fund are both in the Sectoral Fund category, from Bandhan AMC Limited and Nippon Life India Asset Management Limited respectively. Nippon India Pharma Fund has posted a higher 3-year rolling CAGR. Bandhan Financial Services Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
Bandhan Financial Services Fund has the lower direct-plan expense ratio, by 0.00 percentage points.
| Bandhan Financial Services Fund - Direct Plan - Growth | Nippon India Pharma Fund - Direct Plan Growth Plan - Growth Option | |
|---|---|---|
| Category | Sectoral Fund | Sectoral Fund |
| AMC | Bandhan AMC Limited | Nippon Life India Asset Management Limited |
| Benchmark | Nifty Financial Services TRI | BSE Healthcare TRI |
| NAV | ₹14.484 (2026-10-28) | ₹620.0717 (2026-10-28) |
| AUM | ₹1,027.021 Cr | ₹8,635.041 Cr |
| Expense Ratio (Direct) | 1% | 1% |
| Inception | 2023-07-10 | 2004-05-10 |
Returns
Nippon India Pharma Fund leads on 3-year rolling CAGR (19.8% vs Bandhan Financial Services Fund's 14.8%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
Bandhan Financial Services Fund has been the more volatile of the two by standard deviation.
| Bandhan Financial Services Fund - Direct Plan - Growth | Nippon India Pharma Fund - Direct Plan Growth Plan - Growth Option | |
|---|---|---|
| 3Y Sharpe Ratio | 0.31 | 0.61 |
| 3Y Alpha | 3.9007% | -2.6476% |
| 3Y Std Deviation | 15.3559% | 13.5522% |
| 3Y Calmar Ratio | 0.68 | 1.04 |
Portfolio Analytics
Nippon India Pharma Fund 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.
| Bandhan Financial Services Fund - Direct Plan - Growth | Nippon India Pharma Fund - Direct Plan Growth Plan - Growth Option | |
|---|---|---|
| P/E Ratio | 18.5356 | 39.6786 |
| P/B Ratio | - | 12.3627 |
| Dividend Yield | 0.8649% | 0.724% |
| Active Share | 43.03% | 40.74% |
| Portfolio Turnover | 59% | 15% |
| YTM | - | - |
| Duration (Macaulay) | - | - |
Punji Fund Health Score
Bandhan Financial Services Fund and Nippon India Pharma Fund carry the same Punji Quality grade.
Frequently asked questions
Which has a higher 3-year return, Bandhan Financial Services Fund or Nippon India Pharma Fund?
Nippon India Pharma Fund's 3-year rolling CAGR of 19.8% is higher than Bandhan Financial Services Fund's 14.8%. Nippon India Pharma Fund sits in the 67th percentile of its category on this metric, versus the 11th percentile for Bandhan 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, Bandhan Financial Services Fund or Nippon India Pharma Fund?
Bandhan Financial Services Fund's direct-plan expense ratio is 0.00 percentage points lower than Nippon India Pharma Fund'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, Bandhan Financial Services Fund or Nippon India Pharma Fund?
By standard deviation (a measure of how much a fund's returns swing around its own average), Bandhan Financial Services Fund has been more volatile than Nippon India Pharma Fund 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 (0.31 for Bandhan Financial Services Fund vs 0.61 for Nippon India Pharma 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, Bandhan Financial Services Fund or Nippon India Pharma Fund?
Nippon India Pharma Fund has ₹8,635 Cr in assets under management, versus ₹1,027 Cr for Bandhan 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, Bandhan Financial Services Fund or Nippon India Pharma Fund?
Nippon India Pharma Fund launched on 2004-05-10, making it older than Bandhan Financial Services Fund (launched 2023-07-10). 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.