Sharpe ratio
0.43Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+2.74%1Y Absolute Return
-0.12%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| SBI Equity Savings Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,87,550 | ₹7,32,612 | ₹1,54,938 | +7.91% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age11.4 yrs
Fund information
Scheme code134643
ISININF200KA1DF3
BenchmarkNIFTY Equity Savings TRI
CategoryHybrid Scheme - Equity Savings
Expense ratio1.48%
Exit loadExit load of 0.10% if redeemed within 15 days.
Minimum SIP₹500 SIP
Return comparison
55th / 131 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +24.74% | — | — |
| 3M | +2.42% | — | — |
| 6M | +5.74% | — | — |
| 1Y | +2.74% | — | +1.29% |
| 3Y | +8.10% | — | +5.55% |
| 5Y | +7.91% | — | +4.44% |
| 10Y | +9.34% | — | — |
| Since Launch | +9.34% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.60Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
3.77%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.48How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Hedged Equity44.99%
Debt23.76%
Equity21.08%
Real Estate5.24%
Cash4.93%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 202 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 45.4403% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 6.1094% |
| ICICI Bank Ltd | Financial | Equity | 5.8747% |
| HDFC Bank Ltd | Financial | Equity | 5.5924% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 5.1655% |
| Repo | Unspecified | Repo | 4.3578% |
| State Bank of India | Financial | Equity | 3.0687% |
| SBI Premier Liquid Direct Plan-Growth | Unspecified | Mutual Fund | 2.7749% |
| Bharti Airtel Ltd | Technology | Equity | 2.3756% |
| Larsen & Toubro Ltd | Industrials | Equity | 2.2984% |
Fund management
MO
Mohit Jain
Since 2025 · Prior to joining SBI Mutual Fund, he has worked with Crisil Ltd. as a Research Analyst.
Mr. Jain is B.E (Engineering) & CFA (Level III candidate)
NE
Neeraj Kumar
Since 2015 · Prior to joining SBI AMC he has worked with SBI Funds Management Pvt. Ltd. and LIC.
Mr.Kumar is a B.Com(H) and ACA.
VA
Vandna Soni
Since 2023 · Prior to joining SBI MF, she was working with SBICAP Sec. Ltd. ,Antique Stock Broking and CRISIL GR&A
Ms. Soni has done MBA
NI
Nidhi Chawla
Since 2022 · She joined SBI Mutual Fund in May 2007. She has been working as an equity research analyst covering various sectors including Real Estate, Infrastructure and Construction.
Ms. Chawla holds BBS degree and has also done MBE and CFA.
PR
Pradeep Kesavan
Since 2023 · Prior to joining SBI MF, he has worked with Elara Capital, Accenture Strategy, Morgan Stanley and 3i Infotech
Mr. Kesavan has done B.Com, MBA (Finance) and CFA
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk hybrid scheme - equity savings fund. Ahead of its category average over 3Y by 2.6 points. Has fallen sharply before — down -19.5% at its worst.
Strengths
- Ahead of its category average over 3Y by 2.6 points.
- Recovered from its worst fall in 5 months.
- Same fund manager for 12+ years — the strategy has not chopped and changed.
Weaknesses
- Has fallen sharply before — down -19.5% at its worst.
Ideal investor
- Needs a 2–3+ years horizon to ride out its moderate risk level.
Risk drivers
- None