Invesco India Financial Services Fund - Retail - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Sectoral/Thematic

Fund House :

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 78.37 -3.07%
(as on 27th January, 2023)

Crisil Rank

Not Ranked

Rank not available for the fund

Fund Size

: ₹ 494.67 Cr

(0.3% of Investment in Category)

Expense Ratio

: 2.53%

(2.25% Category average)

Risk-O-Meter

Very High

Sectoral/Thematic :Sectoral/Thematic : The fund has 97.41% investment in domestic equities of which 57.68% is in Large Cap stocks, 2.99% is in Mid Cap stocks, 10.19% in Small Cap stocks.

Suitable For : Investors who have advanced knowledge of macro trends and prefer to take selective bets for higher returns compared to other Equity funds. At the same time, these investors should also be ready for possibility of moderate to high losses in their investments even though overall market is performing better.

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6M
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This Scheme

VS

Benchmark
Nifty Financial Services TRI

-5.15%

-1.64%

6.98%

2.4%

11.43%

10.54%

20.3%
NA
-2.25%

-1.4%

5.37%

2.79%

15.47%

9.17%

10.78%

NA
Gold

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Nifty Financial Services TRI : -

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Profit/Loss

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Annualised Returns

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Returns (NAV as on 27th January, 2023)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	20-Jan-23	9524.80	-4.75%	-	-2.26%	120/134
1 Month	27-Dec-22	9384.50	-6.16%	-	-2.25%	134/136
3 Month	27-Oct-22	9713.70	-2.86%	-	-1.40%	83/133
6 Month	27-Jul-22	10710.70	7.11%	-	5.37%	39/129
YTD	30-Dec-22	9347.60	-6.52%	-	-2.42%	135/136
1 Year	27-Jan-22	10159.50	1.59%	1.59%	2.79%	72/126
2 Year	27-Jan-21	12341.70	23.42%	11.09%	15.47%	78/115
3 Year	27-Jan-20	12507.20	25.07%	7.74%	15.63%	96/105
5 Year	25-Jan-18	14218.10	42.18%	7.28%	9.17%	58/85
10 Year	25-Jan-13	32818.30	228.18%	12.60%	13.06%	41/72
Since Inception	14-Jul-08	78370.00	683.70%	15.20%	10.78%	42/146

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 27th January, 2023)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	27-Jan-22	12000	12462.73	3.86 %	7.18 %
2 Year	27-Jan-21	24000	25353.65	5.64 %	5.36 %
3 Year	27-Jan-20	36000	43640.46	21.22 %	12.88 %
5 Year	25-Jan-18	60000	78048.02	30.08 %	10.44 %
10 Year	25-Jan-13	120000	233480.48	94.57 %	12.76 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.|If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Portfolio (Updated on 31st Dec,2022)

Portfolio Turnover Ratio : 23.00% | Category average turnover ratio is 163.71%

Fund manager updated portfolio less frequently than peers in last 1 year. (I.e. fund manager held stocks/bonds in the portfolio for longer duration than peers)

Equity Holding : 97.41% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 97.41%

No of Stocks : 26 (Category Avg - 37.48) | Large Cap Investments : 57.68%| Mid Cap Investments : 2.99% | Small Cap Investments : 10.19% | Other : 26.55%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
ICICI Bank Ltd.	Banks	945.6	19.11%	-1.25%	20.36% (Nov 2022)	16.92% (Mar 2022)	10.61 L	0.00
HDFC Bank Ltd.	Banks	814.5	16.46%	0.27%	20.34% (Feb 2022)	15.61% (Oct 2022)	5.00 L	0.00
Axis Bank Ltd.	Banks	511.1	10.33%	0.40%	10.33% (Dec 2022)	8.01% (Jun 2022)	5.47 L	0.00
State Bank Of India	Banks	457.1	9.24%	0.21%	9.24% (Dec 2022)	7.48% (Feb 2022)	7.45 L	0.00
Bank Of Baroda	Banks	206.8	4.18%	0.45%	4.18% (Dec 2022)	0% (Jan 2022)	11.14 L	0.00
Kotak Mahindra Bank Ltd.	Banks	185.6	3.75%	-0.23%	6.45% (Feb 2022)	3.75% (Dec 2022)	1.02 L	0.00
Bajaj Finance Ltd.	Nbfc	168.3	3.40%	0.46%	4.48% (Feb 2022)	2.94% (Nov 2022)	25.59 k	3.87 k
Indusind Bank Ltd.	Banks	141.9	2.87%	0.14%	3.06% (Sep 2022)	1.4% (Jan 2022)	1.16 L	0.00
Karur Vysya Bank Ltd	Banks	139.3	2.82%	0.56%	2.82% (Dec 2022)	0% (Jan 2022)	12.30 L	1.10 L
SBI Life Insurance Co Ltd.	Insurance	133.2	2.69%	-0.10%	4.23% (Aug 2022)	2.69% (Dec 2022)	1.08 L	0.00

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	2.84%
Net Receivables	Net Receivables	-0.25%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th December, 2022)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

27.01vs19.26

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.86vs0.94

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.23vs0.5

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.07vs0.12

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-0.4vs2.99

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Quant Quantamental Fund - Regular Plan - Growth	NA	294.30	-1.73	3.66	15.42	21.57	0.00
ICICI Prudential Infrastructure Fund - Growth	2	2272.95	-1.09	3.57	17.03	20.59	24.33
ICICI Prudential FMCG Fund - Growth	NA	1189.15	-0.74	0.92	4.73	19.64	14.63
SBI PSU Fund - Regular Plan - Growth	1	534.89	-3.25	0.85	16.67	15.91	13.68
Aditya Birla Sun Life PSU Equity Fund - Regular Plan - Growth	NA	1045.61	-2.88	2.10	15.63	15.87	18.46
SBI Consumption Opportunities Fund - Regular Plan - Growth	NA	1173.43	-0.22	-2.68	7.42	14.06	18.65
Kotak Infrastructure and Economic Reform Fund - Growth	3	665.40	-2.23	-0.14	9.99	13.49	19.39
ICICI Prudential India Opportunities Fund - Growth	NA	7224.58	-1.04	-0.20	11.41	13.12	22.96
DSP Natural Resources and New Energy Fund - Regular Plan - Growth	5	696.95	3.75	12.24	20.58	12.52	23.12
Invesco India PSU Equity Fund - Growth	1	415.46	-3.05	-2.34	13.67	12.41	15.24

Detailed Comparison

More Funds from

Out of 45 mutual fund schemes offered by this AMC, 3 is/are ranked 5 * , 3 is/are ranked 4 * , 5 is/are ranked 3 * , 7 is/are ranked 2 * , 6 is/are ranked 1 * , and 21 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Invesco India Contra Fund - Growth	2	9633.95	-2.88	-3.04	4.41	1.59	15.28
Invesco India Liquid Fund - Growth	4	6982.03	0.55	1.63	3.04	5.06	4.08
Invesco India Growth Opportunities Fund - Growth	2	3868.53	-3.71	-3.80	4.07	-0.54	11.13
Invesco India Mid Cap Fund - Growth	3	2677.67	-3.12	-3.21	4.60	0.21	17.41
Invesco India Corporate Bond Fund - Growth	2	2522.80	0.48	1.68	2.63	3.23	5.26
Invesco India Arbitrage Fund - Growth	5	2429.84	0.63	1.82	3.12	5.24	4.32
Invesco India Multicap Fund - Growth	3	2375.64	-2.40	-2.73	4.85	-1.79	14.93
Invesco India Tax Plan - Growth	1	1892.18	-4.31	-4.22	1.44	-8.75	10.95
Invesco India Money Market Fund - Growth	2	1828.54	0.54	1.65	2.85	4.14	4.40
Invesco India Focused 20 Equity Fund - Growth	NA	1713.36	-5.49	-6.18	-0.98	-9.72	0.00