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10 Best SBI Mutual Fund Schemes for 2025

Updated on October 22, 2025 , 195278 views

SBI Mutual Fund is one of India’s most trusted and largest Asset Management Companies (AMC). With a history of 30+ years and a wide investor base of over 5 million, SBI MF has built a reputation for offering diverse schemes across equity, debt, and hybrid categories.

As per the latest AMFI data, SBI MF manages an AUM (Assets Under Management) of over ₹8 lakh crore, making it a dominant player among 45+ Mutual Fund Houses in India.

SBI

If you’re planning your Financial goals, SBI offers funds for every type of investor — from beginners seeking safety to aggressive investors chasing high returns. In this article, we list the 10 best SBI Mutual Fund schemes in [current year], carefully shortlisted based on performance, AUM, consistency, and investor suitability.

Why Invest in SBI Mutual Fund?

  • Trust & Legacy: Backed by State Bank of India, a household name in India.

  • Diverse Options: Schemes across large cap, mid-cap, small cap, hybrid, debt, and tax-saving categories.

  • Strong Ratings: Several SBI funds hold high CRISIL and Morningstar ratings.

  • Tax Benefits: Through SBI Magnum TaxGain (ELSS), investors can save under Section 80C.

  • Global & Domestic Expertise: Funds are managed with both Indian and international exposure.

  • NRI Investment: SBI MF allows NRIs to invest in its schemes.

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Fund Selection Methodology used to find 10 funds

  • Asset Management Company : SBI
  • AUM Range: 100 to 100000 Cr
  • Sorted On : 1-year return (high to low)
  • Tags: fcpro
  • No Of Funds: 10

Best SBI Mutual Fund Schemes

FundNAVNet Assets (Cr)Min InvestmentMin SIP Investment3 MO (%)6 MO (%)1 YR (%)3 YR (%)5 YR (%)2024 (%)
SBI Gold Fund Growth ₹35.3839
↓ -0.46
₹5,221 5,000 500 2224.552.332.517.419.6
SBI Dynamic Asset Allocation Fund Growth ₹15.9463
↑ 0.03
₹655 5,000 500 3.96.225.16.98.3
SBI Banking & Financial Services Fund Growth ₹44.3463
↓ -0.32
₹8,371 5,000 500 3.19.316.819.42119.6
SBI Equity Hybrid Fund Growth ₹311.054
↓ -0.54
₹77,256 1,000 500 2.27.312.31516.914.2
SBI Multi Asset Allocation Fund Growth ₹62.4915
↓ -0.21
₹10,262 5,000 500 41011.517.715.312.8
SBI Focused Equity Fund Growth ₹368.814
↑ 0.21
₹37,764 5,000 500 3.89.411.316.820.117.2
SBI Credit Risk Fund Growth ₹46.6483
↓ 0.00
₹2,210 5,000 500 1.43.48.48.36.88.1
SBI Short Term Debt Fund Growth ₹32.8446
↑ 0.00
₹16,387 5,000 500 1.33.28.27.75.87.7
SBI Healthcare Opportunities Fund Growth ₹440.458
↓ -0.27
₹3,963 5,000 500 0.14.28.1262042.2
SBI Banking and PSU Fund Growth ₹3,183.18
↓ -0.82
₹4,065 5,000 500 1.2387.55.57.7
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Oct 25

Research Highlights & Commentary of 10 Funds showcased

CommentarySBI Gold FundSBI Dynamic Asset Allocation FundSBI Banking & Financial Services FundSBI Equity Hybrid FundSBI Multi Asset Allocation FundSBI Focused Equity FundSBI Credit Risk FundSBI Short Term Debt FundSBI Healthcare Opportunities FundSBI Banking and PSU Fund
Point 1Lower mid AUM (₹5,221 Cr).Bottom quartile AUM (₹655 Cr).Upper mid AUM (₹8,371 Cr).Highest AUM (₹77,256 Cr).Upper mid AUM (₹10,262 Cr).Top quartile AUM (₹37,764 Cr).Bottom quartile AUM (₹2,210 Cr).Upper mid AUM (₹16,387 Cr).Bottom quartile AUM (₹3,963 Cr).Lower mid AUM (₹4,065 Cr).
Point 2Established history (14+ yrs).Established history (10+ yrs).Established history (10+ yrs).Established history (20+ yrs).Established history (19+ yrs).Oldest track record among peers (21 yrs).Established history (21+ yrs).Established history (18+ yrs).Established history (20+ yrs).Established history (16+ yrs).
Point 3Rating: 2★ (lower mid).Not Rated.Not Rated.Top rated.Rating: 4★ (top quartile).Rating: 2★ (lower mid).Rating: 4★ (upper mid).Rating: 3★ (upper mid).Rating: 2★ (bottom quartile).Rating: 3★ (upper mid).
Point 4Risk profile: Moderately High.Risk profile: Moderately High.Risk profile: High.Risk profile: Moderately High.Risk profile: Moderate.Risk profile: Moderately High.Risk profile: Moderate.Risk profile: Moderately Low.Risk profile: High.Risk profile: Moderate.
Point 55Y return: 17.40% (upper mid).5Y return: 8.31% (lower mid).5Y return: 21.04% (top quartile).5Y return: 16.87% (upper mid).5Y return: 15.31% (lower mid).5Y return: 20.06% (top quartile).1Y return: 8.37% (lower mid).1Y return: 8.23% (bottom quartile).5Y return: 19.97% (upper mid).1Y return: 7.96% (bottom quartile).
Point 63Y return: 32.52% (top quartile).3Y return: 6.92% (bottom quartile).3Y return: 19.37% (upper mid).3Y return: 15.02% (lower mid).3Y return: 17.69% (upper mid).3Y return: 16.76% (upper mid).1M return: 0.59% (bottom quartile).1M return: 0.68% (bottom quartile).3Y return: 26.03% (top quartile).1M return: 0.77% (bottom quartile).
Point 71Y return: 52.27% (top quartile).1Y return: 25.12% (top quartile).1Y return: 16.80% (upper mid).1Y return: 12.31% (upper mid).1Y return: 11.50% (upper mid).1Y return: 11.32% (lower mid).Sharpe: 1.72 (upper mid).Sharpe: 1.26 (upper mid).1Y return: 8.15% (bottom quartile).Sharpe: 0.77 (upper mid).
Point 81M return: 5.97% (top quartile).1M return: 1.04% (lower mid).Alpha: 0.46 (upper mid).1M return: 2.48% (upper mid).1M return: 2.59% (upper mid).Alpha: 5.18 (top quartile).Information ratio: 0.00 (lower mid).Information ratio: 0.00 (bottom quartile).Alpha: 2.04 (upper mid).Information ratio: 0.00 (bottom quartile).
Point 9Alpha: 0.00 (upper mid).Alpha: 0.00 (lower mid).Sharpe: 0.28 (lower mid).Alpha: 5.33 (top quartile).Alpha: 0.00 (lower mid).Sharpe: -0.20 (bottom quartile).Yield to maturity (debt): 8.17% (top quartile).Yield to maturity (debt): 7.02% (upper mid).Sharpe: -0.05 (lower mid).Yield to maturity (debt): 6.94% (upper mid).
Point 10Sharpe: 2.58 (top quartile).Sharpe: 2.59 (top quartile).Information ratio: 0.69 (top quartile).Sharpe: -0.11 (bottom quartile).Sharpe: -0.10 (bottom quartile).Information ratio: -0.02 (bottom quartile).Modified duration: 2.24 yrs (lower mid).Modified duration: 2.79 yrs (lower mid).Information ratio: 0.38 (upper mid).Modified duration: 4.09 yrs (bottom quartile).

SBI Gold Fund

  • Lower mid AUM (₹5,221 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.40% (upper mid).
  • 3Y return: 32.52% (top quartile).
  • 1Y return: 52.27% (top quartile).
  • 1M return: 5.97% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.58 (top quartile).

SBI Dynamic Asset Allocation Fund

  • Bottom quartile AUM (₹655 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 8.31% (lower mid).
  • 3Y return: 6.92% (bottom quartile).
  • 1Y return: 25.12% (top quartile).
  • 1M return: 1.04% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 2.59 (top quartile).

SBI Banking & Financial Services Fund

  • Upper mid AUM (₹8,371 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 21.04% (top quartile).
  • 3Y return: 19.37% (upper mid).
  • 1Y return: 16.80% (upper mid).
  • Alpha: 0.46 (upper mid).
  • Sharpe: 0.28 (lower mid).
  • Information ratio: 0.69 (top quartile).

SBI Equity Hybrid Fund

  • Highest AUM (₹77,256 Cr).
  • Established history (20+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 16.87% (upper mid).
  • 3Y return: 15.02% (lower mid).
  • 1Y return: 12.31% (upper mid).
  • 1M return: 2.48% (upper mid).
  • Alpha: 5.33 (top quartile).
  • Sharpe: -0.11 (bottom quartile).

SBI Multi Asset Allocation Fund

  • Upper mid AUM (₹10,262 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderate.
  • 5Y return: 15.31% (lower mid).
  • 3Y return: 17.69% (upper mid).
  • 1Y return: 11.50% (upper mid).
  • 1M return: 2.59% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.10 (bottom quartile).

SBI Focused Equity Fund

  • Top quartile AUM (₹37,764 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.06% (top quartile).
  • 3Y return: 16.76% (upper mid).
  • 1Y return: 11.32% (lower mid).
  • Alpha: 5.18 (top quartile).
  • Sharpe: -0.20 (bottom quartile).
  • Information ratio: -0.02 (bottom quartile).

SBI Credit Risk Fund

  • Bottom quartile AUM (₹2,210 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.37% (lower mid).
  • 1M return: 0.59% (bottom quartile).
  • Sharpe: 1.72 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 8.17% (top quartile).
  • Modified duration: 2.24 yrs (lower mid).

SBI Short Term Debt Fund

  • Upper mid AUM (₹16,387 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.23% (bottom quartile).
  • 1M return: 0.68% (bottom quartile).
  • Sharpe: 1.26 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.02% (upper mid).
  • Modified duration: 2.79 yrs (lower mid).

SBI Healthcare Opportunities Fund

  • Bottom quartile AUM (₹3,963 Cr).
  • Established history (20+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 19.97% (upper mid).
  • 3Y return: 26.03% (top quartile).
  • 1Y return: 8.15% (bottom quartile).
  • Alpha: 2.04 (upper mid).
  • Sharpe: -0.05 (lower mid).
  • Information ratio: 0.38 (upper mid).

SBI Banking and PSU Fund

  • Lower mid AUM (₹4,065 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.96% (bottom quartile).
  • 1M return: 0.77% (bottom quartile).
  • Sharpe: 0.77 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.94% (upper mid).
  • Modified duration: 4.09 yrs (bottom quartile).

About the Fincash Research Team

At Fincash, our mission is to help investors make informed, confident decisions. With over 9 years in Mutual Fund distribution, our team blends deep industry expertise with a commitment to transparency, accuracy, and investor education.

Who We Are

AMFI Registration No.
112358
MCA CIN
U74999MH2016PTC282153
Location
Thane, Maharashtra, India
Experience
9+ years in Mutual Fund distribution

Our Expertise

  • Certified Mutual Fund Distributors with hands-on advisory experience.
  • Market analysts tracking performance, macro trends, and sectors.
  • Data specialists processing NAVs, allocations, and risk metrics from Morning Star.

Our Research Process

  • Data sourcing: SEBI-registered fund houses & verified third-party provider Morning Star
  • Screening: Returns, manager track record, expenses, sector mix, risk-adjusted metrics.
  • Expert review: Senior team members review every article and list for accuracy.
  • Updates: Regular refreshes so performance data reflects current market conditions.

Why Trust Us

  • Regulated & compliant: AMFI-registered and MCA-incorporated.
  • Investor-first: No pay-to-promote lists; suitability and performance drive coverage.
  • Education-focused: We simplify complex concepts for everyday investors.

Disclaimer

Content is for educational and informational purposes only and is not investment advice. Please consider your risk profile and consult a financial advisor before investing.

*List if based on funds having Assets > 100 Crore and sorted on last 1 Year Returns.

1. SBI Gold Fund

The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS).

Research Highlights for SBI Gold Fund

  • Lower mid AUM (₹5,221 Cr).
  • Established history (14+ yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 17.40% (upper mid).
  • 3Y return: 32.52% (top quartile).
  • 1Y return: 52.27% (top quartile).
  • 1M return: 5.97% (top quartile).
  • Alpha: 0.00 (upper mid).
  • Sharpe: 2.58 (top quartile).
  • Information ratio: 0.00 (upper mid).
  • Top bond sector: Cash Equivalent.
  • Largest holding SBI Gold ETF (~100.0%).
  • Top-3 holdings concentration ~100.9%.

Below is the key information for SBI Gold Fund

SBI Gold Fund
Growth
Launch Date 12 Sep 11
NAV (24 Oct 25) ₹35.3839 ↓ -0.46   (-1.29 %)
Net Assets (Cr) ₹5,221 on 31 Aug 25
Category Gold - Gold
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 0.3
Sharpe Ratio 2.58
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹9,030
30 Sep 22₹9,763
30 Sep 23₹11,132
30 Sep 24₹14,369
30 Sep 25₹21,663

SBI Gold Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047
Invest Now

Returns for SBI Gold Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25

DurationReturns
1 Month 6%
3 Month 22%
6 Month 24.5%
1 Year 52.3%
3 Year 32.5%
5 Year 17.4%
10 Year
15 Year
Since launch 9.4%
Historical performance (Yearly) on absolute basis
YearReturns
2024 19.6%
2023 14.1%
2022 12.6%
2021 -5.7%
2020 27.4%
2019 22.8%
2018 6.4%
2017 3.5%
2016 10%
2015 -8.1%
Fund Manager information for SBI Gold Fund
NameSinceTenure
Raviprakash Sharma12 Sep 1113.98 Yr.

Data below for SBI Gold Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash1.46%
Other98.54%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Gold ETF
- | -
100%₹5,221 Cr593,717,240
↑ 32,905,406
Treps
CBLO/Reverse Repo | -
0%₹23 Cr
Net Receivable / Payable
CBLO | -
0%-₹22 Cr

2. SBI Dynamic Asset Allocation Fund

The objective of the fund will be to provide investors with an opportunity to invest in a portfolio of a mix of equity and equity related securities and fixed income instruments. The allocation between fixed income and equity instruments will be managed dynamically so as to provide investors with long term capital appreciation However, there can be no assurance that the investment objective of the Scheme will be achieved.

Research Highlights for SBI Dynamic Asset Allocation Fund

  • Bottom quartile AUM (₹655 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: Moderately High.
  • 5Y return: 8.31% (lower mid).
  • 3Y return: 6.92% (bottom quartile).
  • 1Y return: 25.12% (top quartile).
  • 1M return: 1.04% (lower mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: 2.59 (top quartile).
  • Information ratio: 0.00 (upper mid).

Below is the key information for SBI Dynamic Asset Allocation Fund

SBI Dynamic Asset Allocation Fund
Growth
Launch Date 26 Mar 15
NAV (02 Jul 21) ₹15.9463 ↑ 0.03   (0.18 %)
Net Assets (Cr) ₹655 on 31 May 21
Category Hybrid - Dynamic Allocation
AMC SBI Funds Management Private Limited
Rating Not Rated
Risk Moderately High
Expense Ratio 2.07
Sharpe Ratio 2.59
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000

SBI Dynamic Asset Allocation Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357
Invest Now

Returns for SBI Dynamic Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25

DurationReturns
1 Month 1%
3 Month 3.9%
6 Month 6.2%
1 Year 25.1%
3 Year 6.9%
5 Year 8.3%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
Fund Manager information for SBI Dynamic Asset Allocation Fund
NameSinceTenure

Data below for SBI Dynamic Asset Allocation Fund as on 31 May 21

Asset Allocation
Asset ClassValue
Equity Sector Allocation
SectorValue
Debt Sector Allocation
SectorValue
Credit Quality
RatingValue
Top Securities Holdings / Portfolio
NameHoldingValueQuantity

3. SBI Banking & Financial Services Fund

The investment objective of the scheme is to generate long-term capital appreciation to unit holders 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 will be realized.

Research Highlights for SBI Banking & Financial Services Fund

  • Upper mid AUM (₹8,371 Cr).
  • Established history (10+ yrs).
  • Not Rated.
  • Risk profile: High.
  • 5Y return: 21.04% (top quartile).
  • 3Y return: 19.37% (upper mid).
  • 1Y return: 16.80% (upper mid).
  • Alpha: 0.46 (upper mid).
  • Sharpe: 0.28 (lower mid).
  • Information ratio: 0.69 (top quartile).
  • Higher exposure to Financial Services vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding HDFC Bank Ltd (~17.5%).
  • Top-3 holdings concentration ~35.5%.

Below is the key information for SBI Banking & Financial Services Fund

SBI Banking & Financial Services Fund
Growth
Launch Date 26 Feb 15
NAV (24 Oct 25) ₹44.3463 ↓ -0.32   (-0.73 %)
Net Assets (Cr) ₹8,371 on 31 Aug 25
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating Not Rated
Risk High
Expense Ratio 1.83
Sharpe Ratio 0.28
Information Ratio 0.69
Alpha Ratio 0.46
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹16,298
30 Sep 22₹16,190
30 Sep 23₹18,475
30 Sep 24₹25,187
30 Sep 25₹27,423

SBI Banking & Financial Services Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033
Invest Now

Returns for SBI Banking & Financial Services Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25

DurationReturns
1 Month 3.5%
3 Month 3.1%
6 Month 9.3%
1 Year 16.8%
3 Year 19.4%
5 Year 21%
10 Year
15 Year
Since launch 15%
Historical performance (Yearly) on absolute basis
YearReturns
2024 19.6%
2023 18.6%
2022 13.5%
2021 12.1%
2020 4.8%
2019 20.7%
2018 9.5%
2017 40.7%
2016 17%
2015
Fund Manager information for SBI Banking & Financial Services Fund
NameSinceTenure
Milind Agrawal1 Aug 196.09 Yr.
Pradeep Kesavan1 Dec 231.75 Yr.

Data below for SBI Banking & Financial Services Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Financial Services97.35%
Asset Allocation
Asset ClassValue
Cash2.65%
Equity97.35%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | HDFCBANK
18%₹1,468 Cr15,429,430
↓ -1,600,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 23 | KOTAKBANK
10%₹802 Cr4,091,554
↑ 600,000
State Bank of India (Financial Services)
Equity, Since 31 Jul 18 | SBIN
8%₹701 Cr8,730,364
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK
7%₹620 Cr4,435,814
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 25 | AXISBANK
7%₹568 Cr5,435,410
↑ 1,500,000
SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 May 25 | SBILIFE
5%₹435 Cr2,408,631
↑ 783,409
HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Mar 25 | HDFCLIFE
4%₹375 Cr4,863,085
↑ 1,142,267
Max Financial Services Ltd (Financial Services)
Equity, Since 30 Apr 25 | MFSL
4%₹296 Cr1,850,168
↓ -131,961
Bajaj Finserv Ltd (Financial Services)
Equity, Since 30 Jun 25 | BAJAJFINSV
3%₹268 Cr1,400,000
Aditya Birla Capital Ltd (Financial Services)
Equity, Since 31 Mar 25 | ABCAPITAL
3%₹252 Cr9,071,860
↓ -11,977

4. SBI Equity Hybrid Fund

(Erstwhile SBI Magnum Balanced Fund)

To provide investors long term capital appreciation along with the liquidity of open-ended scheme by investing in a mix of debt and equity. The scheme will invest in a diversified portfolio of equities of high growth companies and balance the risk through investing the rest in a relatively safe portfolio of debt.

Research Highlights for SBI Equity Hybrid Fund

  • Highest AUM (₹77,256 Cr).
  • Established history (20+ yrs).
  • Top rated.
  • Risk profile: Moderately High.
  • 5Y return: 16.87% (upper mid).
  • 3Y return: 15.02% (lower mid).
  • 1Y return: 12.31% (upper mid).
  • 1M return: 2.48% (upper mid).
  • Alpha: 5.33 (top quartile).
  • Sharpe: -0.11 (bottom quartile).
  • Information ratio: 0.40 (top quartile).
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • Equity-heavy allocation (~76%).
  • High-quality debt (AAA/AA ~89%).
  • Largest holding HDFC Bank Ltd (~6.7%).

Below is the key information for SBI Equity Hybrid Fund

SBI Equity Hybrid Fund
Growth
Launch Date 19 Jan 05
NAV (24 Oct 25) ₹311.054 ↓ -0.54   (-0.17 %)
Net Assets (Cr) ₹77,256 on 31 Aug 25
Category Hybrid - Hybrid Equity
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 1.4
Sharpe Ratio -0.11
Information Ratio 0.4
Alpha Ratio 5.33
Min Investment 1,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹14,685
30 Sep 22₹14,715
30 Sep 23₹16,252
30 Sep 24₹20,807
30 Sep 25₹21,596

SBI Equity Hybrid Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689
Invest Now

Returns for SBI Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25

DurationReturns
1 Month 2.5%
3 Month 2.2%
6 Month 7.3%
1 Year 12.3%
3 Year 15%
5 Year 16.9%
10 Year
15 Year
Since launch 15%
Historical performance (Yearly) on absolute basis
YearReturns
2024 14.2%
2023 16.4%
2022 2.3%
2021 23.6%
2020 12.9%
2019 13.5%
2018 -0.1%
2017 27.7%
2016 3.7%
2015 7.4%
Fund Manager information for SBI Equity Hybrid Fund
NameSinceTenure
R. Srinivasan1 Jan 1213.68 Yr.
Rajeev Radhakrishnan1 Dec 231.75 Yr.
Mansi Sajeja1 Dec 231.75 Yr.
Pradeep Kesavan1 Dec 231.75 Yr.

Data below for SBI Equity Hybrid Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash2.69%
Equity75.82%
Debt21.49%
Equity Sector Allocation
SectorValue
Financial Services24.05%
Basic Materials10.21%
Industrials9.83%
Consumer Cyclical7.58%
Communication Services4.9%
Technology4.45%
Health Care3.98%
Consumer Defensive3.68%
Utility3.19%
Energy2.28%
Real Estate1.66%
Debt Sector Allocation
SectorValue
Corporate11.77%
Government10.04%
Cash Equivalent2.37%
Credit Quality
RatingValue
A9.41%
AA13.26%
AAA75.72%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 11 | HDFCBANK
7%₹5,139 Cr54,000,000
Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 17 | BHARTIARTL
4%₹3,211 Cr17,000,000
ICICI Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | ICICIBANK
4%₹2,935 Cr21,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹2,836 Cr281,501,100
↓ -50,000,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Apr 24 | KOTAKBANK
4%₹2,744 Cr14,000,000
State Bank of India (Financial Services)
Equity, Since 28 Feb 14 | SBIN
3%₹2,648 Cr33,000,000
Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Jul 16 | SOLARINDS
3%₹2,469 Cr1,790,000
MRF Ltd (Consumer Cyclical)
Equity, Since 31 May 18 | MRF
3%₹2,396 Cr170,000
6.33% Govt Stock 2035
Sovereign Bonds | -
3%₹2,296 Cr234,000,400
↑ 234,000,000
Divi's Laboratories Ltd (Healthcare)
Equity, Since 30 Apr 16 | DIVISLAB
3%₹2,269 Cr3,700,000

5. SBI Multi Asset Allocation Fund

(Erstwhile SBI Magnum Monthly Income Plan Floater)

To provide regular income, liquidity and attractive returns to investors in addition to mitigating the impact of interest rate risk through an actively managed portfolio of floating rate and fixed rate debt instruments, equity, money market instruments and derivatives.

Research Highlights for SBI Multi Asset Allocation Fund

  • Upper mid AUM (₹10,262 Cr).
  • Established history (19+ yrs).
  • Rating: 4★ (top quartile).
  • Risk profile: Moderate.
  • 5Y return: 15.31% (lower mid).
  • 3Y return: 17.69% (upper mid).
  • 1Y return: 11.50% (upper mid).
  • 1M return: 2.59% (upper mid).
  • Alpha: 0.00 (lower mid).
  • Sharpe: -0.10 (bottom quartile).
  • Information ratio: 0.00 (lower mid).
  • Top sector: Financial Services.
  • Top bond sector: Corporate.
  • High-quality debt (AAA/AA ~95%).
  • Largest holding SBI Silver ETF (~6.3%).

Below is the key information for SBI Multi Asset Allocation Fund

SBI Multi Asset Allocation Fund
Growth
Launch Date 21 Dec 05
NAV (24 Oct 25) ₹62.4915 ↓ -0.21   (-0.33 %)
Net Assets (Cr) ₹10,262 on 15 Sep 25
Category Hybrid - Multi Asset
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.46
Sharpe Ratio -0.1
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹12,263
30 Sep 22₹12,701
30 Sep 23₹14,832
30 Sep 24₹18,805
30 Sep 25₹20,129

SBI Multi Asset Allocation Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579
Invest Now

Returns for SBI Multi Asset Allocation Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25

DurationReturns
1 Month 2.6%
3 Month 4%
6 Month 10%
1 Year 11.5%
3 Year 17.7%
5 Year 15.3%
10 Year
15 Year
Since launch 9.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 12.8%
2023 24.4%
2022 6%
2021 13%
2020 14.2%
2019 10.6%
2018 0.4%
2017 10.9%
2016 8.7%
2015 9.9%
Fund Manager information for SBI Multi Asset Allocation Fund
NameSinceTenure
Dinesh Balachandran31 Oct 213.84 Yr.
Mansi Sajeja1 Dec 231.75 Yr.
Vandna Soni1 Jan 241.67 Yr.

Data below for SBI Multi Asset Allocation Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash8.98%
Equity45.41%
Debt32.97%
Other12.65%
Equity Sector Allocation
SectorValue
Financial Services12.75%
Consumer Cyclical6.77%
Real Estate5.04%
Technology4.29%
Basic Materials3.92%
Consumer Defensive3.77%
Energy3.75%
Industrials2.2%
Utility1.57%
Health Care0.96%
Communication Services0.38%
Debt Sector Allocation
SectorValue
Corporate24.48%
Cash Equivalent9.65%
Government7.81%
Credit Quality
RatingValue
A2.71%
AA54.28%
AAA41.04%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
SBI Silver ETF
- | -
6%₹648 Cr51,296,178
7.24% Govt Stock 2055
Sovereign Bonds | -
5%₹501 Cr50,000,000
↑ 50,000,000
SBI Gold ETF
- | -
3%₹349 Cr37,241,000
Nippon India Silver ETF
- | -
3%₹329 Cr26,730,000
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 22 | HDFCBANK
3%₹257 Cr2,662,000
Brookfield India Real Estate Trust (Real Estate)
-, Since 30 Apr 25 | 543261
2%₹253 Cr7,664,234
Reliance Industries Ltd (Energy)
Equity, Since 15 Sep 24 | RELIANCE
2%₹241 Cr1,720,000
Bharti Telecom Limited
Debentures | -
2%₹208 Cr20,000
TATA Power Renewable Energy Limited
Debentures | -
2%₹205 Cr20,000
Cholamandalam Investment And Finance Company Limited
Debentures | -
2%₹204 Cr20,000

6. SBI Focused Equity Fund

(Erstwhile SBI Emerging Businesses Fund)

The investment objective of the Emerging Businesses Fund would be to participate in the growth potential presented by various companies that are considered emergent and have export orientation/outsourcing opportunities or are globally competitive. The fund may also evaluate Emerging Businesses with growth potential and domestic focus.

Research Highlights for SBI Focused Equity Fund

  • Top quartile AUM (₹37,764 Cr).
  • Oldest track record among peers (21 yrs).
  • Rating: 2★ (lower mid).
  • Risk profile: Moderately High.
  • 5Y return: 20.06% (top quartile).
  • 3Y return: 16.76% (upper mid).
  • 1Y return: 11.32% (lower mid).
  • Alpha: 5.18 (top quartile).
  • Sharpe: -0.20 (bottom quartile).
  • Information ratio: -0.02 (bottom quartile).
  • Top sector: Financial Services.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~97%).
  • Largest holding HDFC Bank Ltd (~7.1%).

Below is the key information for SBI Focused Equity Fund

SBI Focused Equity Fund
Growth
Launch Date 11 Oct 04
NAV (23 Oct 25) ₹368.814 ↑ 0.21   (0.06 %)
Net Assets (Cr) ₹37,764 on 31 Aug 25
Category Equity - Focused
AMC SBI Funds Management Private Limited
Rating
Risk Moderately High
Expense Ratio 1.58
Sharpe Ratio -0.2
Information Ratio -0.02
Alpha Ratio 5.18
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹16,618
30 Sep 22₹16,120
30 Sep 23₹18,333
30 Sep 24₹24,045
30 Sep 25₹24,691

SBI Focused Equity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644
Invest Now

Returns for SBI Focused Equity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25

DurationReturns
1 Month 1.9%
3 Month 3.8%
6 Month 9.4%
1 Year 11.3%
3 Year 16.8%
5 Year 20.1%
10 Year
15 Year
Since launch 18.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 17.2%
2023 22.2%
2022 -8.5%
2021 43%
2020 14.5%
2019 16.1%
2018 -3.8%
2017 44.7%
2016 2.2%
2015 4.3%
Fund Manager information for SBI Focused Equity Fund
NameSinceTenure
R. Srinivasan1 May 0916.35 Yr.

Data below for SBI Focused Equity Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Financial Services30.7%
Consumer Cyclical21.29%
Communication Services12.29%
Basic Materials10.42%
Consumer Defensive5.36%
Utility5.34%
Technology4.51%
Industrials4.39%
Health Care2.87%
Asset Allocation
Asset ClassValue
Cash2.1%
Equity97.18%
Debt0.73%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 13 | HDFCBANK
7%₹2,664 Cr28,000,000
Alphabet Inc Class A (Communication Services)
Equity, Since 30 Sep 18 | 0RIH
7%₹2,619 Cr1,400,000
Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 30 Nov 21 | 890157
5%₹2,023 Cr14,000,000
Bajaj Finserv Ltd (Financial Services)
Equity, Since 31 Mar 25 | BAJAJFINSV
5%₹1,914 Cr10,000,000
State Bank of India (Financial Services)
Equity, Since 30 Sep 21 | SBIN
5%₹1,866 Cr23,250,000
Muthoot Finance Ltd (Financial Services)
Equity, Since 29 Feb 20 | MUTHOOTFIN
5%₹1,846 Cr7,000,000
Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | KOTAKBANK
5%₹1,764 Cr9,000,000
EPAM Systems Inc (Technology)
Equity, Since 31 Jan 25 | E3M
5%₹1,704 Cr1,100,000
ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK
4%₹1,538 Cr11,000,000
Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Jul 16 | SOLARINDS
4%₹1,517 Cr1,100,000

7. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

The investment objective will be to actively manage a portfolio of good quality corporate debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders. However there is no guarantee or assurance that the investment objective of the scheme will be achieved.

Research Highlights for SBI Credit Risk Fund

  • Bottom quartile AUM (₹2,210 Cr).
  • Established history (21+ yrs).
  • Rating: 4★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 8.37% (lower mid).
  • 1M return: 0.59% (bottom quartile).
  • Sharpe: 1.72 (upper mid).
  • Information ratio: 0.00 (lower mid).
  • Yield to maturity (debt): 8.17% (top quartile).
  • Modified duration: 2.24 yrs (lower mid).
  • Average maturity: 3.05 yrs (lower mid).
  • Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).
  • Top sector: Industrials.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~80%).
  • Largest holding 6.92% Govt Stock 2039 (~6.8%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund
Growth
Launch Date 19 Jul 04
NAV (24 Oct 25) ₹46.6483 ↓ 0.00   (0.00 %)
Net Assets (Cr) ₹2,210 on 15 Sep 25
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.55
Sharpe Ratio 1.72
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity 8.17%
Effective Maturity 3 Years 18 Days
Modified Duration 2 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,722
30 Sep 22₹11,089
30 Sep 23₹12,006
30 Sep 24₹12,950
30 Sep 25₹14,016

SBI Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25

DurationReturns
1 Month 0.6%
3 Month 1.4%
6 Month 3.4%
1 Year 8.4%
3 Year 8.3%
5 Year 6.8%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.1%
2023 8.3%
2022 4.2%
2021 5%
2020 9.8%
2019 6.5%
2018 6.2%
2017 6.9%
2016 10.5%
2015 9.7%
Fund Manager information for SBI Credit Risk Fund
NameSinceTenure
Lokesh Mallya1 Feb 178.59 Yr.

Data below for SBI Credit Risk Fund as on 15 Sep 25

Asset Allocation
Asset ClassValue
Cash5.16%
Equity3.01%
Debt91.46%
Other0.36%
Debt Sector Allocation
SectorValue
Corporate69.63%
Government21.83%
Cash Equivalent5.16%
Credit Quality
RatingValue
A20.2%
AA64.02%
AAA15.78%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.92% Govt Stock 2039
Sovereign Bonds | -
7%₹151 Cr15,000,000
Aadhar Housing Finance Limited
Debentures | -
5%₹113 Cr11,200
6.79% Govt Stock 2034
Sovereign Bonds | -
5%₹107 Cr10,500,000
↑ 2,500,000
Infopark Properties Limited
Debentures | -
5%₹106 Cr10,500
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
5%₹106 Cr11,000
National Bank For Agriculture And Rural Development
Debentures | -
5%₹102 Cr10,000
↑ 10,000
H.G. Infra Engineering Limited
Debentures | -
5%₹100 Cr10,000
Nj Capital Private Limited
Debentures | -
5%₹99 Cr10,000
The Sandur Manganese And Iron Ores Limited
Debentures | -
4%₹83 Cr8,500
Avanse Financial Services Limited
Debentures | -
4%₹80 Cr8,000

8. SBI Short Term Debt Fund

To provide investors with an opportunity to generate regular income through investments in a portfolio comprising of debt instruments which are rated not below investment grade by a credit rating agency, and money market instruments.

Research Highlights for SBI Short Term Debt Fund

  • Upper mid AUM (₹16,387 Cr).
  • Established history (18+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderately Low.
  • 1Y return: 8.23% (bottom quartile).
  • 1M return: 0.68% (bottom quartile).
  • Sharpe: 1.26 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 7.02% (upper mid).
  • Modified duration: 2.79 yrs (lower mid).
  • Average maturity: 3.49 yrs (lower mid).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~91%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 6.33% Govt Stock 2035 (~5.0%).

Below is the key information for SBI Short Term Debt Fund

SBI Short Term Debt Fund
Growth
Launch Date 27 Jul 07
NAV (24 Oct 25) ₹32.8446 ↑ 0.00   (0.01 %)
Net Assets (Cr) ₹16,387 on 31 Aug 25
Category Debt - Short term Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderately Low
Expense Ratio 0.84
Sharpe Ratio 1.26
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.02%
Effective Maturity 3 Years 5 Months 26 Days
Modified Duration 2 Years 9 Months 14 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,475
30 Sep 22₹10,721
30 Sep 23₹11,449
30 Sep 24₹12,334
30 Sep 25₹13,320

SBI Short Term Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for SBI Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25

DurationReturns
1 Month 0.7%
3 Month 1.3%
6 Month 3.2%
1 Year 8.2%
3 Year 7.7%
5 Year 5.8%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 6.7%
2022 3.5%
2021 2.8%
2020 9.9%
2019 9.5%
2018 6%
2017 5.7%
2016 9.9%
2015 8.2%
Fund Manager information for SBI Short Term Debt Fund
NameSinceTenure
Mansi Sajeja1 Dec 231.75 Yr.

Data below for SBI Short Term Debt Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash8.32%
Debt91.41%
Other0.27%
Debt Sector Allocation
SectorValue
Corporate63.81%
Government27.19%
Securitized4.5%
Cash Equivalent4.23%
Credit Quality
RatingValue
AA12.64%
AAA87.36%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.33% Govt Stock 2035
Sovereign Bonds | -
5%₹840 Cr85,000,000
↓ -15,000,000
7.17% Govt Stock 2030
Sovereign Bonds | -
4%₹682 Cr66,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹660 Cr65,000,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹507 Cr50,000
Rec Limited
Debentures | -
3%₹507 Cr50,000
08.32 RJ Sdl 2029
Sovereign Bonds | -
3%₹471 Cr45,000,000
TATA Communications Limited
Debentures | -
2%₹403 Cr40,000
Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Tru
Unlisted bonds | -
2%₹375 Cr375
↑ 375
Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure
Unlisted bonds | -
2%₹375 Cr375
↑ 375
National Bank For Agriculture And Rural Development
Debentures | -
2%₹373 Cr37,500

9. SBI Healthcare Opportunities Fund

(Erstwhile SBI Pharma Fund)

To provide the investors maximum growth opportunity through equity investments in stocks of growth oriented sectors of the economy.

Research Highlights for SBI Healthcare Opportunities Fund

  • Bottom quartile AUM (₹3,963 Cr).
  • Established history (20+ yrs).
  • Rating: 2★ (bottom quartile).
  • Risk profile: High.
  • 5Y return: 19.97% (upper mid).
  • 3Y return: 26.03% (top quartile).
  • 1Y return: 8.15% (bottom quartile).
  • Alpha: 2.04 (upper mid).
  • Sharpe: -0.05 (lower mid).
  • Information ratio: 0.38 (upper mid).
  • Higher exposure to Health Care vs peer median.
  • Top bond sector: Cash Equivalent.
  • Equity-heavy allocation (~96%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding Sun Pharmaceuticals Industries Ltd (~10.9%).

Below is the key information for SBI Healthcare Opportunities Fund

SBI Healthcare Opportunities Fund
Growth
Launch Date 31 Dec 04
NAV (23 Oct 25) ₹440.458 ↓ -0.27   (-0.06 %)
Net Assets (Cr) ₹3,963 on 31 Aug 25
Category Equity - Sectoral
AMC SBI Funds Management Private Limited
Rating
Risk High
Expense Ratio 1.97
Sharpe Ratio -0.05
Information Ratio 0.38
Alpha Ratio 2.04
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-15 Days (0.5%),15 Days and above(NIL)

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹13,138
30 Sep 22₹12,251
30 Sep 23₹15,800
30 Sep 24₹23,614
30 Sep 25₹23,646

SBI Healthcare Opportunities Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for SBI Healthcare Opportunities Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25

DurationReturns
1 Month 1.8%
3 Month 0.1%
6 Month 4.2%
1 Year 8.1%
3 Year 26%
5 Year 20%
10 Year
15 Year
Since launch 15.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 42.2%
2023 38.2%
2022 -6%
2021 20.1%
2020 65.8%
2019 -0.5%
2018 -9.9%
2017 2.1%
2016 -14%
2015 27.1%
Fund Manager information for SBI Healthcare Opportunities Fund
NameSinceTenure
Tanmaya Desai1 Jun 1114.26 Yr.

Data below for SBI Healthcare Opportunities Fund as on 31 Aug 25

Equity Sector Allocation
SectorValue
Health Care90.36%
Basic Materials5.79%
Asset Allocation
Asset ClassValue
Cash3.85%
Equity96.15%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Dec 17 | SUNPHARMA
11%₹431 Cr2,700,000
Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB
7%₹270 Cr440,000
Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 21 | 543220
6%₹242 Cr2,100,000
Cipla Ltd (Healthcare)
Equity, Since 31 Aug 16 | CIPLA
5%₹191 Cr1,200,000
Lonza Group Ltd ADR (Healthcare)
Equity, Since 31 Jan 24 | LO3A
4%₹168 Cr270,000
Lupin Ltd (Healthcare)
Equity, Since 31 Aug 23 | LUPIN
4%₹159 Cr840,000
Torrent Pharmaceuticals Ltd (Healthcare)
Equity, Since 30 Jun 21 | TORNTPHARM
4%₹142 Cr400,000
↑ 80,000
Mankind Pharma Ltd (Healthcare)
Equity, Since 30 Apr 23 | MANKIND
3%₹138 Cr560,000
Fortis Healthcare Ltd (Healthcare)
Equity, Since 30 Apr 21 | FORTIS
3%₹137 Cr1,500,000
Gland Pharma Ltd (Healthcare)
Equity, Since 30 Nov 20 | GLAND
3%₹131 Cr700,000

10. SBI Banking and PSU Fund

(Erstwhile SBI Treasury Advantage Fund)

The scheme seeks to generate regular income through a judicious mix of portfolio comprising, predominantly of money market instruments and short term debt securities.

Research Highlights for SBI Banking and PSU Fund

  • Lower mid AUM (₹4,065 Cr).
  • Established history (16+ yrs).
  • Rating: 3★ (upper mid).
  • Risk profile: Moderate.
  • 1Y return: 7.96% (bottom quartile).
  • 1M return: 0.77% (bottom quartile).
  • Sharpe: 0.77 (upper mid).
  • Information ratio: 0.00 (bottom quartile).
  • Yield to maturity (debt): 6.94% (upper mid).
  • Modified duration: 4.09 yrs (bottom quartile).
  • Average maturity: 5.90 yrs (bottom quartile).
  • Exit load: NIL.
  • Higher exposure to Corporate (bond sector) vs peer median.
  • Debt-heavy allocation (~87%).
  • High-quality debt (AAA/AA ~100%).
  • Largest holding 7.24% Govt Stock 2055 (~7.2%).

Below is the key information for SBI Banking and PSU Fund

SBI Banking and PSU Fund
Growth
Launch Date 9 Oct 09
NAV (24 Oct 25) ₹3,183.18 ↓ -0.82   (-0.03 %)
Net Assets (Cr) ₹4,065 on 31 Aug 25
Category Debt - Banking & PSU Debt
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 0.8
Sharpe Ratio 0.77
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.94%
Effective Maturity 5 Years 10 Months 24 Days
Modified Duration 4 Years 1 Month 2 Days

Growth of 10,000 investment over the years.

DateValue
30 Sep 20₹10,000
30 Sep 21₹10,492
30 Sep 22₹10,679
30 Sep 23₹11,384
30 Sep 24₹12,270
30 Sep 25₹13,201

SBI Banking and PSU Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for SBI Banking and PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25

DurationReturns
1 Month 0.8%
3 Month 1.2%
6 Month 3%
1 Year 8%
3 Year 7.5%
5 Year 5.5%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 6.6%
2022 2.9%
2021 2.6%
2020 10.5%
2019 9.7%
2018 7.4%
2017 6.4%
2016 8.3%
2015 8.7%
Fund Manager information for SBI Banking and PSU Fund
NameSinceTenure
Ardhendu Bhattacharya1 Dec 231.75 Yr.
Pradeep Kesavan1 Dec 231.75 Yr.

Data below for SBI Banking and PSU Fund as on 31 Aug 25

Asset Allocation
Asset ClassValue
Cash12.44%
Debt87.2%
Other0.35%
Debt Sector Allocation
SectorValue
Corporate45.86%
Government43.15%
Cash Equivalent10.64%
Credit Quality
RatingValue
AA7.35%
AAA92.65%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.24% Govt Stock 2055
Sovereign Bonds | -
7%₹296 Cr29,500,000
↑ 19,500,000
Power Grid Corporation Of India Limited
Debentures | -
5%₹211 Cr23,000
Ongc Petro Additions Limited
Debentures | -
4%₹177 Cr17,500
National Bank For Financing Infrastructure And Development
Debentures | -
4%₹172 Cr17,000
ICICI Bank Limited
Debentures | -
4%₹161 Cr1,600
GAil (India) Limited
Debentures | -
4%₹152 Cr1,500
India Infrastructure Finance Company Limited
Debentures | -
4%₹150 Cr15,000
National Highways Infra TRust
Debentures | -
3%₹124 Cr25,000
Nuclear Power Corporation Of India Limited
Debentures | -
3%₹106 Cr10,400
Power Finance Corporation Limited
Debentures | -
2%₹101 Cr10,000

How to Select the Right SBI Mutual Fund?

  • Beginners: SBI Bluechip Fund or SBI Equity Hybrid Fund.
  • Aggressive Investors: SBI Small Cap Fund, SBI contra fund.
  • Tax Planning: SBI Magnum TaxGain (ELSS).
  • Short-Term Needs: SBI Magnum Ultra Short Duration or SBI Overnight Fund.
  • Sector Focus: SBI Technology Opportunities or SBI Banking & Financial Services Fund.

How to Invest in SBI Mutual Fund Online?

  1. Open Free Investment Account for Lifetime at Fincash.com.

  2. Complete your Registration and KYC Process

  3. Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!

    Get Started

FAQs on SBI Mutual Funds

1. Which is the best SBI fund for SIP currently?

A: SBI Small Cap Fund and SBI Equity Hybrid Fund are popular choices for SIPs.

2. Is SBI Mutual Fund safe to invest in?

A: Yes, it is SEBI-regulated and managed by one of India’s largest AMCs. However, risks vary by category.

3. Can NRIs invest in SBI Mutual Funds?

A: Yes, NRIs can invest (except for a few restrictions in the US/Canada).

4. Which SBI fund is best for tax saving?

A: SBI Magnum TaxGain (ELSS) qualifies under Section 80C.

Conclusion

SBI Mutual Fund continues to be one of India’s top choices for investors. With schemes across every category — equity, debt, hybrid, and tax-saving — it offers something for everyone. Whether you’re just starting out or looking to diversify your Portfolio, SBI MF provides trusted and well-performing options.

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Karthik, posted on 5 Dec 19 12:09 PM

Good feedback and analysed well

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