SIP માં જોખમ: SIP રોકાણમાં જોખમનું મૂલ્યાંકન

Updated on March 29, 2026 , 61829 views

માં જોખમSIP વિવિધ માટે બદલાય છેમ્યુચ્યુઅલ ફંડના પ્રકાર.મ્યુચ્યુઅલ ફંડમાં રોકાણ SIP દ્વારા (વ્યવસ્થિતરોકાણ યોજના)નો સમાવેશ થાય છેબજાર લિંક્ડ જોખમો, જે ચોક્કસપણે વધુ છેઇક્વિટી ફંડ્સ દેવું અને સંતુલિત કરતાંમ્યુચ્યુઅલ ફંડ. SIP માં જોખમ રોકાણના વિકલ્પ પર આધાર રાખે છે જેને ધ્યાનમાં રાખીને પસંદ કરવામાં આવે છેજોખમ પ્રોફાઇલ, જોખમની ભૂખ અનેપ્રવાહિતા. જો કે, ફંડ મેનેજરો અને ફંડ હાઉસ દ્વારા SIP માં જોખમનું સંચાલન અને ઘટાડી શકાય છે.

SIP માં જોખમની ગણતરી કરવા માટે વિવિધ સાધનો ઉપલબ્ધ છે જેમ કેસિપ કેલ્ક્યુલેટર (SIP રીટર્ન કેલ્ક્યુલેટર તરીકે પણ ઓળખાય છે).

SIP માં જોખમ: SIP જોખમોનું મૂલ્યાંકન

જોખમ 1: SIP ને નકારાત્મક વળતર અથવા કિંમત જોખમ મેળવવાનું જોખમ

મ્યુચ્યુઅલ ફંડ રોકાણ બજારના જોખમોને આધીન છે, તે સામાન્ય રીતે સાંભળવામાં આવતો શબ્દ છે. આનો અર્થ એ છે કે SIPમાં તમારું રોકાણ ઘટી શકે છે અને બજાર કેવી રીતે વર્તે છે તેના આધારે તમે જે રોકાણ કર્યું છે તેના કરતાં ઓછું મૂલ્ય મેળવી શકો છો.

જોકે SIP માં જોખમ હોલ્ડિંગ સમયગાળા સાથે સંબંધિત છે અને સામાન્ય રીતે, હોલ્ડિંગનો સમયગાળો જેટલો લાંબો હોય છે, તેટલું જોખમ ઓછું હોય છે. વધુ હોલ્ડિંગ અવધિ સાથે નફો કરવાની સંભાવના વધે છે. દા.ત. માટે ઇક્વિટી માટે નીચે જુઓ, ઇક્વિટી માટે લાંબા સમય સુધી હોલ્ડિંગ પિરિયડના પરિણામે નુકસાનની શક્યતા ઓછી થાય છે. (નીચે BSE સેન્સેક્સ પર 1979 થી 2016 સુધીનું વિશ્લેષણ છે).

જોખમ 2: તમારા પૈસા ઝડપથી પાછા મેળવવામાં સક્ષમ થવાનું જોખમ અથવા તરલતાનું જોખમ

તમારા પૈસા ઝડપથી પાછા મેળવવાની ક્ષમતા પર આધાર રાખે છેઅંતર્ગત રોકાણ સામાન્ય રીતે મ્યુચ્યુઅલ ફંડ્સ સાથે, આ કોઈ સમસ્યા નથી, જો કે, એવા સમયગાળા આવ્યા છે (જેમ કે 2008 માં), જ્યારે સિક્યોરિટીઝના વેચાણમાં સમસ્યા હતી(બોન્ડ) અને તે અમુક મ્યુચ્યુઅલ ફંડોએ કેટલીક સ્કીમમાંથી ઉપાડ મર્યાદિત કરવો પડતો હતો. ઇક્વિટી માર્કેટ એકદમ પ્રવાહી છે (એટલે કે ખરીદી અને વેચાણમાં કોઈ સમસ્યા નથી). જો કે, જો વેચાણની માત્રા મોટી રકમથી ખરીદદારોની સંખ્યા કરતાં વધી જાય, તો આ સમસ્યામાં પરિણમશે, તેથી અનુગામી ચૂકવણીને સમસ્યા બનાવે છે અને તેથી પ્રવાહિતા જોખમ.

જોખમ 3: સિક્યોરિટી અથવા ક્રેડિટ રિસ્કના ડાઉનગ્રેડનું જોખમ

જ્યારે કોઈ ચોક્કસ કંપની/એન્ટિટીના બોન્ડને ક્રેડિટ રેટિંગ એજન્સી દ્વારા ડાઉનગ્રેડ કરવામાં આવે છે, ત્યારે તેની કિંમત ઘટી જાય છે. જો કિંમત ઘટે છે, તો આ પોર્ટફોલિયોના એકંદર મૂલ્યને અસર કરે છે. આને ક્રેડિટ રિસ્ક કહેવામાં આવે છે.

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જોખમ 4: બોન્ડના માલિકોને તેમનું બાકી અથવા ડિફોલ્ટ જોખમ ન ચૂકવવાનું કંપનીનું જોખમ

જ્યારે કંપની બોન્ડ ધારકોને ચૂકવણી કરવામાં ડિફોલ્ટ કરે છે, ત્યારે તેને કહેવામાં આવે છેમૂળભૂત જોખમ.

ની સાથેરોકાણકાર તેમના પૈસા પાછા ન મળવાથી, આ તેમના પોર્ટફોલિયોને નકારાત્મક અસર કરશે.

જોખમ 5: તમારા ટ્રાન્ઝેક્શનને યોગ્ય રીતે પ્રોસેસ કરવાનું જોખમ અથવા તકનીકી જોખમ

આજે, તમામ વ્યવહારો ઇલેક્ટ્રોનિક મોડમાં થાય છે. વિવિધ ટચ-પોઇન્ટ્સ સાથે, વિવિધ સ્થળોએ, આર એન્ડ ટી એજન્ટ પર, તકનીકી નિષ્ફળતાની સંભાવના છે.બેંક ડેબિટ ફંડ વગેરે.

ટ્રાન્ઝેક્શનની પ્રક્રિયા ન કરવી એ પણ SIPમાં જોખમ છે.

જોખમ 6: પોર્ટફોલિયો મેનેજર દ્વારા સ્કીમની કામગીરીનું જોખમ અથવા ફંડ મેનેજમેન્ટનું જોખમ

SIP માં બીજું જોખમ એ છે કે પસંદ કરેલી સ્કીમ અપેક્ષાઓ પૂરી ન કરી શકે અને પ્રદર્શન અપેક્ષા કરતા ઘણું ઓછું હોઈ શકે. ફંડ મેનેજર પરફોર્મન્સ પર અંડર-ડિલિવર કરી શકે છે, અને આનાથી નીચા વળતર તરફ દોરી જશેSIP રોકાણ.

SIP માં આ મુખ્ય જોખમો છે, જ્યારે અમે આગળ વધી શકીએ છીએ અને SIP માં વધુ જોખમો જેમ કેઅર્થતંત્ર જોખમ વગેરે, આમાંના મોટાભાગના જોખમો ઉપરની એક અથવા વધુ શ્રેણીઓ હેઠળ આવશે.

જો કે SIP માં ચોક્કસપણે જોખમ હોય છે, પણ વ્યક્તિએ હંમેશા યાદ રાખવું જોઈએ કે SIP અથવા એકસાથે રકમ, આ માત્ર એક રોકાણ માર્ગ છે અને અંતર્ગત રોકાણ નથી. વ્યક્તિએ અંતર્ગત રોકાણ, તેના જોખમો જોવાની અને પછી અંતિમ નિર્ણય લેવાની જરૂર છે.

*નીચેની યાદી છેટોચની SIPના રોકાણ માટે મૂલ્યાંકન કરી શકે છે

1. DSP World Gold Fund

"The primary investment objective of the Scheme is to seek capital appreciation by investing predominantly in units of MLIIF - WGF. The Scheme may, at the discretion of the Investment Manager, also invest in the units of other similar overseas mutual fund schemes, which may constitute a significant part of its corpus. The Scheme may also invest a certain portion of its corpus in money market securities and/or units of money market/liquid schemes of DSP Merrill Lynch Mutual Fund, in order to meet liquidity requirements from time to time. However, there is no assurance that the investment objective of the Scheme will be realized."

Research Highlights for DSP World Gold Fund

Lower mid AUM (₹2,191 Cr).
Established history (18+ yrs).
Top rated.
Risk profile: High.
5Y return: 26.87% (top quartile).
3Y return: 46.21% (top quartile).
1Y return: 110.51% (top quartile).
Alpha: 6.90 (top quartile).
Sharpe: 4.06 (top quartile).
Information ratio: -1.08 (bottom quartile).
Higher exposure to Basic Materials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
Largest holding BGF World Gold I2 (~69.9%).
Top-3 holdings concentration ~101.6%.

Below is the key information for DSP World Gold Fund

DSP World Gold Fund Growth
Launch Date	14 Sep 07
NAV (30 Mar 26)	₹55.4042 ↑ 0.46 (0.84 %)
Net Assets (Cr)	₹2,191 on 28 Feb 26
Category	Equity - Global
AMC	DSP BlackRock Invmt Managers Pvt. Ltd.
Rating	☆☆☆
Risk	High
Expense Ratio	1.41
Sharpe Ratio	4.06
Information Ratio	-1.08
Alpha Ratio	6.9
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.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹11,138
31 Mar 23	₹10,487
31 Mar 24	₹10,232
31 Mar 25	₹15,284

DSP World Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹584,107.
Net Profit of ₹284,107 Invest Now

Returns for DSP World 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 30 Mar 26

Duration	Returns
1 Month	-20.9%
3 Month	3.8%
6 Month	24%
1 Year	110.5%
3 Year	46.2%
5 Year	26.9%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	167.1%
2023	15.9%
2022	7%
2021	-7.7%
2020	-9%
2019	31.4%
2018	35.1%
2017	-10.7%
2016	-4%
2015	52.7%

Fund Manager information for DSP World Gold Fund

Name	Since	Tenure
Jay Kothari	1 Mar 13	13.01 Yr.

Data below for DSP World Gold Fund as on 28 Feb 26

Equity Sector Allocation

Sector	Value
Basic Materials	94.27%

Asset Allocation

Asset Class	Value
Cash	3.92%
Equity	94.27%
Debt	0.01%
Other	1.8%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
BGF World Gold I2 Investment Fund \| -	70%	₹1,531 Cr	1,103,589 ↓ -74,069
VanEck Gold Miners ETF - \| GDX	28%	₹604 Cr	573,719
Treps / Reverse Repo Investments CBLO/Reverse Repo \| -	4%	₹90 Cr
Net Receivables/Payables Net Current Assets \| -	2%	-₹35 Cr

2. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Highest AUM (₹6,545 Cr).
Established history (15+ yrs).
Rating: 2★ (lower mid).
Risk profile: High.
5Y return: 25.34% (upper mid).
3Y return: 29.38% (upper mid).
1Y return: 9.33% (upper mid).
Alpha: 0.92 (lower mid).
Sharpe: 1.90 (upper mid).
Information ratio: -0.27 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~18.2%).
Top-3 holdings concentration ~36.6%.

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (31 Mar 26)	₹32.6872 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹6,545 on 28 Feb 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	1.9
Information Ratio	-0.27
Alpha Ratio	0.92
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.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹12,520
31 Mar 23	₹14,284
31 Mar 24	₹26,707
31 Mar 25	₹28,297

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹570,326.
Net Profit of ₹270,326 Invest Now

Returns for SBI 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 30 Mar 26

Duration	Returns
1 Month	-11.9%
3 Month	-3.6%
6 Month	1.2%
1 Year	9.3%
3 Year	29.4%
5 Year	25.3%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	11.3%
2023	23.5%
2022	54%
2021	29%
2020	32.4%
2019	-10%
2018	6%
2017	-23.8%
2016	21.9%
2015	16.2%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.75 Yr.

Data below for SBI PSU Fund as on 28 Feb 26

Equity Sector Allocation

Sector	Value
Financial Services	32.81%
Utility	30.45%
Energy	14.36%
Industrials	12.03%
Basic Materials	6.19%

Asset Allocation

Asset Class	Value
Cash	4.09%
Equity	95.84%
Debt	0.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	18%	₹1,193 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	9%	₹610 Cr	13,725,000 ↑ 750,000
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| POWERGRID	9%	₹595 Cr	19,935,554
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| GAIL	9%	₹593 Cr	34,950,000 ↑ 5,800,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| NTPC	9%	₹590 Cr	15,443,244
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| BPCL	6%	₹374 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| BANKBARODA	5%	₹354 Cr	11,000,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	4%	₹240 Cr	2,427,235
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| NMDC	3%	₹228 Cr	27,900,000
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹186 Cr	3,850,000

3. Invesco India PSU Equity Fund

To generate capital appreciation by investing in Equity and Equity Related Instruments of companies where the Central / State Government(s) has majority shareholding or management control or has powers to appoint majority of directors. However, there is no assurance or guarantee that the investment objective of the Scheme will be achieved. The Scheme does not assure or guarantee any returns.

Research Highlights for Invesco India PSU Equity Fund

Bottom quartile AUM (₹1,511 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: High.
5Y return: 22.73% (lower mid).
3Y return: 25.97% (lower mid).
1Y return: 4.21% (lower mid).
Alpha: -6.26 (bottom quartile).
Sharpe: 1.47 (lower mid).
Information ratio: -0.78 (bottom quartile).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
Largest holding State Bank of India (~9.3%).

Below is the key information for Invesco India PSU Equity Fund

Invesco India PSU Equity Fund Growth
Launch Date	18 Nov 09
NAV (31 Mar 26)	₹59.93
Net Assets (Cr)	₹1,511 on 28 Feb 26
Category	Equity - Sectoral
AMC	Invesco Asset Management (India) Private Ltd
Rating	☆☆☆
Risk	High
Expense Ratio	2.14
Sharpe Ratio	1.47
Information Ratio	-0.78
Alpha Ratio	-6.26
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.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹12,277
31 Mar 23	₹13,931
31 Mar 24	₹25,544
31 Mar 25	₹26,724

Invesco India PSU Equity Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for Invesco India PSU 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 30 Mar 26

Duration	Returns
1 Month	-12.3%
3 Month	-9.5%
6 Month	-5.8%
1 Year	4.2%
3 Year	26%
5 Year	22.7%
10 Year
15 Year
Since launch	11.6%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.3%
2023	25.6%
2022	54.5%
2021	20.5%
2020	31.1%
2019	6.1%
2018	10.1%
2017	-16.9%
2016	24.3%
2015	17.9%

Fund Manager information for Invesco India PSU Equity Fund

Name	Since	Tenure
Hiten Jain	1 Jul 25	0.66 Yr.
Sagar Gandhi	1 Jul 25	0.66 Yr.

Data below for Invesco India PSU Equity Fund as on 28 Feb 26

Equity Sector Allocation

Sector	Value
Financial Services	31.73%
Industrials	29.22%
Utility	19.38%
Energy	13.06%
Basic Materials	3.8%
Consumer Cyclical	1.44%

Asset Allocation

Asset Class	Value
Cash	1.37%
Equity	98.63%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 28 Feb 21 \| SBIN	9%	₹141 Cr	1,171,232 ↓ -123,757
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| INDIANB	8%	₹115 Cr	1,157,444
Bharat Petroleum Corp Ltd (Energy) Equity, Since 30 Sep 18 \| BPCL	7%	₹105 Cr	2,717,009
Bharat Electronics Ltd (Industrials) Equity, Since 31 Mar 17 \| BEL	7%	₹103 Cr	2,316,519 ↓ -681,173
Hindustan Aeronautics Ltd Ordinary Shares (Industrials) Equity, Since 31 May 22 \| HAL	7%	₹102 Cr	261,137 ↑ 73,494
NTPC Green Energy Ltd (Utilities) Equity, Since 30 Nov 24 \| NTPCGREEN	5%	₹82 Cr	9,129,820
Bank of Baroda (Financial Services) Equity, Since 30 Jun 21 \| BANKBARODA	5%	₹80 Cr	2,477,556 ↑ 233,334
NTPC Ltd (Utilities) Equity, Since 31 May 19 \| NTPC	5%	₹69 Cr	1,801,543
Dredging Corp of India Ltd (Industrials) Equity, Since 31 Jul 25 \| DREDGECORP	4%	₹61 Cr	646,300
REC Ltd (Financial Services) Equity, Since 31 Aug 23 \| RECLTD	4%	₹60 Cr	1,703,577 ↑ 217,962

4. LIC MF Infrastructure Fund

The investment objective of the scheme is to provide long term growth from a portfolio of equity / equity related instruments of companies engaged either directly or indirectly in the infrastructure sector.

Research Highlights for LIC MF Infrastructure Fund

Bottom quartile AUM (₹1,007 Cr).
Established history (18+ yrs).
Not Rated.
Risk profile: High.
5Y return: 21.20% (bottom quartile).
3Y return: 24.68% (bottom quartile).
1Y return: 3.52% (bottom quartile).
Alpha: 4.76 (upper mid).
Sharpe: 1.13 (bottom quartile).
Information ratio: 0.34 (top quartile).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~96%).
Largest holding Larsen & Toubro Ltd (~4.6%).

Below is the key information for LIC MF Infrastructure Fund

LIC MF Infrastructure Fund Growth
Launch Date	29 Feb 08
NAV (31 Mar 26)	₹45.1863 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹1,007 on 28 Feb 26
Category	Equity - Sectoral
AMC	LIC Mutual Fund Asset Mgmt Co Ltd
Rating	Not Rated
Risk	High
Expense Ratio	2.21
Sharpe Ratio	1.13
Information Ratio	0.34
Alpha Ratio	4.76
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹13,141
31 Mar 23	₹13,490
31 Mar 24	₹21,802
31 Mar 25	₹25,258
31 Mar 26	₹26,147

LIC MF Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹518,033.
Net Profit of ₹218,033 Invest Now

Returns for LIC MF Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 30 Mar 26

Duration	Returns
1 Month	-10.5%
3 Month	-8.4%
6 Month	-7.9%
1 Year	3.5%
3 Year	24.7%
5 Year	21.2%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.7%
2023	47.8%
2022	44.4%
2021	7.9%
2020	46.6%
2019	-0.1%
2018	13.3%
2017	-14.6%
2016	42.2%
2015	-2.2%

Fund Manager information for LIC MF Infrastructure Fund

Name	Since	Tenure
Yogesh Patil	18 Sep 20	5.45 Yr.
Mahesh Bendre	1 Jul 24	1.66 Yr.

Data below for LIC MF Infrastructure Fund as on 28 Feb 26

Equity Sector Allocation

Sector	Value
Industrials	42.73%
Consumer Cyclical	19.51%
Utility	9.28%
Basic Materials	9.23%
Communication Services	5.72%
Health Care	3.39%
Technology	2.36%
Real Estate	2.32%
Financial Services	1.65%

Asset Allocation

Asset Class	Value
Cash	3.82%
Equity	96.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Apr 09 \| LT	5%	₹46 Cr	108,403
Tata Motors Ltd (Consumer Cyclical) Equity, Since 31 Oct 25 \| TMCV	4%	₹40 Cr	796,158 ↓ -255,806
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 30 Jun 25 \| APOLLOHOSP	3%	₹34 Cr	43,674
Tata Motors Passenger Vehicles Ltd (Consumer Cyclical) Equity, Since 28 Feb 26 \| TMPV	3%	₹33 Cr	873,039 ↑ 873,039
NTPC Ltd (Utilities) Equity, Since 31 Mar 23 \| NTPC	3%	₹33 Cr	873,908 ↑ 579,408
Bharti Airtel Ltd (Communication Services) Equity, Since 30 Apr 09 \| BHARTIARTL	3%	₹33 Cr	176,844 ↑ 157,308
Schneider Electric Infrastructure Ltd (Industrials) Equity, Since 31 Dec 23 \| SCHNEIDER	3%	₹33 Cr	365,090 ↓ -11,944
Shakti Pumps (India) Ltd (Industrials) Equity, Since 31 Mar 24 \| SHAKTIPUMP	3%	₹32 Cr	624,600 ↓ -61,779
Garware Hi-Tech Films Ltd (Basic Materials) Equity, Since 31 Aug 23 \| 500655	3%	₹31 Cr	73,005 ↓ -20,266
Siemens Energy India Ltd (Utilities) Equity, Since 31 Aug 25 \| ENRIN	3%	₹28 Cr	95,701 ↑ 42,000

5. 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

Upper mid AUM (₹4,077 Cr).
Oldest track record among peers (21 yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 16.42% (bottom quartile).
3Y return: 24.38% (bottom quartile).
1Y return: 0.94% (bottom quartile).
Alpha: -1.63 (bottom quartile).
Sharpe: 0.55 (bottom quartile).
Information ratio: -0.25 (upper mid).
Higher exposure to Health Care vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding Sun Pharmaceuticals Industries Ltd (~10.7%).

Below is the key information for SBI Healthcare Opportunities Fund

SBI Healthcare Opportunities Fund Growth
Launch Date	31 Dec 04
NAV (30 Mar 26)	₹415.515 ↓ -5.79 (-1.37 %)
Net Assets (Cr)	₹4,077 on 28 Feb 26
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.97
Sharpe Ratio	0.55
Information Ratio	-0.25
Alpha Ratio	-1.63
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.

Date	Value
31 Mar 21	₹10,000
31 Mar 22	₹11,344
31 Mar 23	₹11,124
31 Mar 24	₹17,569
31 Mar 25	₹21,053

SBI Healthcare Opportunities Fund SIP 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 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 30 Mar 26

Duration	Returns
1 Month	-3.7%
3 Month	-0.5%
6 Month	-1.1%
1 Year	0.9%
3 Year	24.4%
5 Year	16.4%
10 Year
15 Year
Since launch	14.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	-3.5%
2023	42.2%
2022	38.2%
2021	-6%
2020	20.1%
2019	65.8%
2018	-0.5%
2017	-9.9%
2016	2.1%
2015	-14%

Fund Manager information for SBI Healthcare Opportunities Fund

Name	Since	Tenure
Tanmaya Desai	1 Jun 11	14.76 Yr.

Data below for SBI Healthcare Opportunities Fund as on 28 Feb 26

Equity Sector Allocation

Sector	Value
Health Care	88.94%
Basic Materials	8.06%

Asset Allocation

Asset Class	Value
Cash	2.93%
Equity	96.99%
Debt	0.07%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Sun Pharmaceuticals Industries Ltd (Healthcare) Equity, Since 31 Dec 17 \| SUNPHARMA	11%	₹434 Cr	2,500,000 ↑ 100,000
Divi's Laboratories Ltd (Healthcare) Equity, Since 31 Mar 12 \| DIVISLAB	8%	₹308 Cr	480,000 ↑ 40,000
Apollo Hospitals Enterprise Ltd (Healthcare) Equity, Since 31 Jan 26 \| APOLLOHOSP	6%	₹235 Cr	300,000
Max Healthcare Institute Ltd Ordinary Shares (Healthcare) Equity, Since 31 Mar 21 \| MAXHEALTH	5%	₹197 Cr	1,800,000 ↓ -200,000
Acutaas Chemicals Ltd (Basic Materials) Equity, Since 30 Jun 24 \| 543349	5%	₹194 Cr	900,000
Torrent Pharmaceuticals Ltd (Healthcare) Equity, Since 30 Jun 21 \| TORNTPHARM	4%	₹173 Cr	400,000
Lupin Ltd (Healthcare) Equity, Since 31 Aug 23 \| LUPIN	4%	₹173 Cr	750,000 ↓ -90,000
Aster DM Healthcare Ltd Ordinary Shares (Healthcare) Equity, Since 31 Mar 24 \| ASTERDM	4%	₹157 Cr	2,400,000
Biocon Ltd (Healthcare) Equity, Since 30 Nov 24 \| BIOCON	4%	₹146 Cr	3,750,000
Laurus Labs Ltd (Healthcare) Equity, Since 31 Aug 23 \| LAURUSLABS	3%	₹142 Cr	1,320,000

Disclaimer:
અહીં આપેલી માહિતી સચોટ છે તેની ખાતરી કરવા માટેના તમામ પ્રયાસો કરવામાં આવ્યા છે. જો કે, ડેટાની શુદ્ધતા અંગે કોઈ ગેરંટી આપવામાં આવતી નથી. કોઈપણ રોકાણ કરતા પહેલા કૃપા કરીને સ્કીમ માહિતી દસ્તાવેજ સાથે ચકાસો.