HealthyPlan n/a · Option n/aFit for a long SIP
DSP Nifty Bank ETF
- NAV
- 56.0713
- 30 Oct 2026
- 1Y
- -5.3%
- Trailing CAGR
- AUM
- ₹446.18 Cr
- 31 Aug 2026
- Volatility
- Medium
- 15.4% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 30 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 84% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Watch
3.8 years - usable, still building a track record.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
n/a
TER not on file yet.
Drawdown vs peers
Pass
Peak-to-trough -18.3%. Ask whether you can hold through a similar fall.
Vs category
Pass
84% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 86.7% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y-5.3%
- 3Y+9.0%
- 5Yn/a
- 10Yn/a
- SI+6.9%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y-5.9%
- 3Y+3.5%
- 5Yn/a
- 10Yn/a
- Since inception
- +6.9%
- Calendar-day CAGR
- Excess 1Y
- -0.2%
- Category median, same plan and option
- 3Y win rate
- +84%
- Windows beating the median
- 3Y percentile
- 72
- Vs comparable share classes
- SIP 3Y XIRR
- +3.5%
- Simulated monthly SIP
- Worst rolling 3Y
- +7.1%
- 204 daily-ending windows
- Median rolling 3Y
- +9.6%
- Calendar-day CAGR
- Positive rolling 5Y
- n/a
- 0 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -18.3%
- Worst peak-to-trough
- Current
- -10.7%
- Below last peak
- Current spell
- 254 days
- Days below latest peak
- Time below peak
- +92%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 13 days
- 39 recovered episodes
- Longest recovery
- 74 days
- Trough to prior peak
18 Feb 2026 – open
Trough 31 Mar 2026 · not recovered
-18.3%
26 Sept 2024 – 21 Apr 2025
Trough 11 Mar 2025 · recovered in 41 days
-12.1%
3 Jan 2023 – 4 May 2023
Trough 15 Mar 2023 · recovered in 50 days
-10.0%
15 Sept 2023 – 4 Dec 2023
Trough 26 Oct 2023 · recovered in 39 days
-8.6%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
72
Vs category
49
Consistency
68
Risk-adjusted
32
Drawdown
54
Mean
55
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 84% of rolling 3-year windows.
- Three-year return is above the category median.
Portfolio
31 Aug 2026 · 16 holdings · top 10 are 86.7%.
- Top 5
- 61.1%
- Top 10
- 86.7%
- Largest holding
- n/a
- Effective holdings
- n/a
Asset mix
Equity
99.6%
Cash
0.4%
Sectors
Financial
100.0%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
19 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Nifty Financial Services Ex-Bank ETF
ICICI Prudential Mutual Fund
- 1Y
- -8.6%
- 3Y
- +13.0%
- Vol
- 18.9%
- Max DD
- -16.7%
- Sharpe
- 0.52
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility
Motilal Oswal Nifty 500 ETF
Motilal Oswal Mutual Fund
- 1Y
- -7.5%
- 3Y
- +10.0%
- Vol
- 14.4%
- Max DD
- -18.6%
- Sharpe
- 0.26
- 3Y win
- +100%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown
DSP Nifty PSU Bank ETF
DSP Mutual Fund
- 1Y
- +2.8%
- 3Y
- +19.2%
- Vol
- 25.6%
- Max DD
- -29.7%
- Sharpe
- 0.62
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Nippon India ETF BSE Sensex Next 50
Nippon India Mutual Fund
- 1Y
- -6.7%
- 3Y
- +14.5%
- Vol
- 19.1%
- Max DD
- -38.3%
- Sharpe
- 0.57
- 3Y win
- +96%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Crisil 10 year Gilt ETF
Aditya Birla Sun Life Mutual Fund
- 1Y
- +0.2%
- 3Y
- n/a
- Vol
- 3.0%
- Max DD
- -3.4%
- Sharpe
- -0.50
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
Caveat: Lower trailing returns