Sharpe ratio
0.85Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+4.63%1Y Absolute Return
-0.25%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 MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTHFund 5Y annualised return | ₹10,05,894 | ₹7,32,612 | ₹2,73,282 | +12.83% |
| 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₹1.12
₹1 Lakh since launch₹1.12 Lakh
Fund age13.7 yrs
Fund information
Scheme code119843
ISININF200K01TZ3
BenchmarkGROWWEH
CategoryHybrid Scheme - Multi Asset Allocation
Expense ratio0.69%
Exit loadFor units in excess of 10% of the investment, 1% will be charged for redemption within 12 months
Minimum SIP₹500 SIP
Return comparison
50th / 124 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +20.75% | — | — |
| 3M | -6.51% | — | — |
| 6M | +0.57% | — | — |
| 1Y | +4.63% | — | +3.20% |
| 3Y | +14.63% | — | +13.01% |
| 5Y | +12.83% | — | +10.73% |
| 10Y | +12.01% | — | — |
| Since Launch | +12.14% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.22Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
9.35%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
0.69How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative 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%
Equity48.99%
Debt33.35%
Commodities10.08%
Cash3.88%
Real Estate3.70%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 134 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| SBI ETF Gold | Unspecified | Mutual Fund | 6.3386% |
| Repo | Unspecified | Repo | 6.2159% |
| SBI Silver ETF-Growth | Unspecified | Mutual Fund | 3.9396% |
| Brookfield India Real Estate Trust REIT | Real Estate | Real Estate Investment Trusts | 2.5937% |
| Bandhan Bank Ltd | Financial | Equity | 2.1627% |
| Delhivery Ltd | Industrials | Equity | 2.1069% |
| GAIL (India) Ltd | Energy & Utilities | Equity | 2.0927% |
| Biocon Ltd | Healthcare | Equity | 1.7118% |
| Indus Towers Ltd | Technology | Equity | 1.6596% |
| ICICI Bank Ltd | Financial | Equity | 1.6485% |
Fund management
DI
Dinesh Balachandran
Since 2021 · Prior to joining SBI Funds Management Pvt. Ltd. he has worked with Fidelity Investments, USA.
Mr.Dinesh is a B.Tech from IIT-B, M.S. from MIT USA and CFA.
MA
Mansi Sajeja
Since 2023 · Prior to joining SBIFMPL, she was Rating Analyst at ICRA Limited.
Ms. Sajeja is a CFA and has done Post Graduate Diploma in Business Management.
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
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 very high-risk hybrid scheme - multi asset allocation fund. Ahead of its category average over 3Y by 1.6 points. Ranks 50 of 124 in its category over 1 year.
Strengths
- Ahead of its category average over 3Y by 1.6 points.
- Recovered from its worst fall in 3 months.
- Well spread out — top 10 holdings are only 17% of the portfolio.
- Same fund manager for 5+ years — the strategy has not chopped and changed.
Weaknesses
- None
Ideal investor
- Needs a 4–5+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 9.3% volatility.
Risk drivers
- None