SBI Equity Savings Fund - Regular Plan - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Delivered positive returns in 100% of 3-year investment horizons.
- Over 12 years of operational history across different market cycles.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +1.86% | +2.96% | -1.10% |
| 3 Months | +0.59% | +1.17% | -0.58% |
| 6 Months | +2.41% | +3.88% | -1.47% |
| 1 Year | +3.03% | +4.14% | -1.11% |
| 3 Years CAGR | +7.60% | +8.21% | -0.61% |
| 5 Years CAGR | +7.48% | +7.26% | +0.22% |
| 7 Years CAGR | +9.19% | +8.53% | +0.66% |
| 10 Years CAGR | +8.48% | +8.07% | +0.41% |
| Since Inception | +8.36% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in SBI Equity Savings Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +2.28% | +3.40% | -1.12% |
| 2025 | +5.05% | +6.70% | -1.65% |
| 2024 | +11.99% | +11.07% | +0.92% |
| 2023 | +17.52% | +14.27% | +3.25% |
| 2022 | +1.86% | +2.49% | -0.63% |
| 2021 | +13.23% | +12.79% | +0.44% |
| 2020 | +11.90% | +11.09% | +0.81% |
| 2019 | +9.40% | +7.85% | +1.55% |
| 2018 | -0.52% | +1.32% | -1.84% |
| 2017 | +14.62% | +14.67% | -0.05% |
| 2016 | +6.20% | +6.47% | -0.27% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -12.17% | +8.96% | +8.14% | +40.94% | 94.0% | - |
| 3-Year Rolling | -0.84% | +9.03% | +9.47% | +16.16% | 99.9% | - |
| 5-Year Rolling | +4.88% | +9.24% | +8.83% | +15.10% | 100.0% | - |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2020-02-12 | 2020-03-23 | -19.5% | 1 months | 7 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and equity related instruments# including derivatives Of which: | Per Scheme Mandate |
| -Cash-future arbitrage | 25%-75% |
| -Net long equity exposure | 15%-40% - 65%-90% |
| Debt and money market instruments(including margin for derivatives) | 10%-35% |
| Units issued by InvITs | 0%-10% |
| Exchange Traded Commodity Derivatives (ETCDs) | 0%-10% |
| Units of Gold & Silver ETFs | 0%-25% |
| Equity and equity related instruments# including derivatives Of which: | Per Scheme Mandate |
| - Cash-future arbitrage | 0%-55% |
| - Net long equity exposure | 15%-40% - 30%-70% |
| Debt and money market instruments (including margin for derivatives) | 30%-70% |
| Units issued by InvITs | 0%-10% |
| Exchange Traded Commodity Derivatives (ETCDs) | 0%-10% |
| Units of Mutual Funds including Gold & Silver ETFs | 0%-25% |
Investment Objective & Strategy
The investment objective of the scheme is to generate income by investing in arbitrage opportunities in the cash and derivatives segment of the equity market, and capital appreciation through a moderate exposure in equity
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 5,386 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as stretched relative to Equity Savings schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Equity Savings Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| UTI Equity Savings Fund | 5.5 | +7.91% | 2.06% | - | Rs 821 cr | Compare → |
| LIC MF Equity Savings Fund | 3.9 | +7.83% | 2.80% | - | Rs 38.8 cr | Compare → |
| Mahindra Manulife Equity Savings Fund | 2.8 | +8.21% | 2.82% | - | Rs 530 cr | Compare → |
| Invesco India Equity Savings Fund | 2.9 | +7.45% | 2.96% | - | Rs 266 cr | Compare → |
| Baroda BNP Paribas Equity Savings Fund | 4.9 | +8.68% | 2.83% | - | Rs 278 cr | Compare → |
Frequently Asked Questions about SBI Equity Savings Fund
What is the expense ratio of SBI Equity Savings Fund?
SBI Equity Savings Fund has a total expense ratio (TER) of 2.0% with a base expense ratio of 1.26%, compared to the Equity Savings category median of 2.19%.
Who manages SBI Equity Savings Fund?
SBI Equity Savings Fund is managed by Neeraj Kumar (tenure: 11.5 years since 2015-05-27).
What are the historical returns of SBI Equity Savings Fund?
SBI Equity Savings Fund delivered a 3-year CAGR of 7.6% and a 5-year CAGR of 7.48%. Its 1-year return stands at +3.03%.
How large is SBI Equity Savings Fund?
SBI Equity Savings Fund manages assets of Rs 5,386 cr, placing it in the 'stretched' size band relative to Equity Savings peers.
How is SBI Equity Savings Fund scored on MFIQ?
SBI Equity Savings Fund holds an MFIQ Score of 4.0/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is SBI Equity Savings Fund?
SBI Equity Savings Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 4.80% with a maximum historical drawdown of -19.52%.