Q: What are the returns of SBI Equity Savings Fund?

The SBI Equity Savings Fund is a 10 yrs 2 m old fund and has delivered average annual returns of 10.19% since inception. SBI Equity Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 8.05% 12.79% 12.98% 10.01% 10.19%

Question 1

What is the current NAV of SBI Equity Savings Fund?

Accepted Answer

The current Net Asset Value (NAV) of the SBI Equity Savings Fund - Direct Growth plan is approximately ₹26.6714 as of Jul 21, 2025.

Question 2

What are the returns of SBI Equity Savings Fund?

Accepted Answer

The SBI Equity Savings Fund is a 10 yrs 2 m old fund and has delivered average annual returns of 10.19% since inception.

SBI Equity Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
8.05%	12.79%	12.98%	10.01%	10.19%

Question 3

How much does SBI Equity Savings Fund charge as the expense ratio?

Accepted Answer

The SBI Equity Savings Fund - Direct Growth has an expense ratio of 0.9%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

Question 4

What is the AUM or size of SBI Equity Savings Fund?

Accepted Answer

The SBI Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately ₹5,443 Crs crore as of Jun 30, 2025.

Question 5

What are the top stock holdings of SBI Equity Savings Fund?

Accepted Answer

The SBI Equity Savings Fund's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	9.77%
Reliance Industries Ltd.	5.71%
Kotak Mahindra Bank Ltd.	3.84%
Larsen & Toubro Ltd.	2.47%
Axis Bank Ltd.	2.39%
ICICI Bank Ltd.	2.38%
Shree Cement Ltd.	1.63%
Indus Towers Ltd.	1.49%
Berger Paints India Ltd.	1.26%
Aster DM Healthcare Ltd.	1.24%

Question 6

What are the top sectors SBI Equity Savings Fund has invested in?

Accepted Answer

The SBI Equity Savings Fund's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
HDFC Bank Ltd.	9.77%
Reliance Industries Ltd.	5.71%
Kotak Mahindra Bank Ltd.	3.84%
Larsen & Toubro Ltd.	2.47%
Axis Bank Ltd.	2.39%
ICICI Bank Ltd.	2.38%
Shree Cement Ltd.	1.63%
Indus Towers Ltd.	1.49%
Berger Paints India Ltd.	1.26%
Aster DM Healthcare Ltd.	1.24%

Question 7

To whom does SBI Equity Savings Fund lend to?

Accepted Answer

The top 3 debt holdings of SBI Equity Savings Fund are as follows

Holding Name	Percentage of Portfolio
GOI	5.33%
Bharti Telecom Ltd.	2.85%
Infopark Properties Ltd.	1.86%

Question 8

What is the quality of borrowers SBI Equity Savings Fund lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The SBI Equity Savings Fund's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
GOI	5.33%
Bharti Telecom Ltd.	2.85%
Infopark Properties Ltd.	1.86%

Question 9

What is the risk level of SBI Equity Savings Fund?

Accepted Answer

This is a Equity Savings fund comes with Moderately High risk.

Question 10

Is there any lock-in period in SBI Equity Savings Fund?

Accepted Answer

No, this fund does not have any lock-in period.

Question 11

How do I invest in SBI Equity Savings Fund?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for SBI Equity Savings Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in SBI Equity Savings Fund is complete.

Question 12

How can I redeem my investments in SBI Equity Savings Fund?

Accepted Answer

Redeeming your investments in SBI Equity Savings Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in SBI Equity Savings Fund from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	0.9% as on May 31, 2025
Exit load	0.1% Exit load of 0.10% if redeemed within 15 days.!
AUM (Fund size)	₹5,443 Cr
Lock-in Period	Nil
Age	10 yrs 2 m since May 11, 2015
Benchmark	NIFTY Equity Savings TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Risk	Moderately High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Period	This fund	Category average
1 Month	0.4%	0.31%
3 Months	3.92%	2.88%
6 Months	6.66%	5.39%
1 Year	8.05%	7.12%
2 Years	12.77%	11.63%
3 Years	12.79%	11.61%
4 Years	10.48%	9.81%
5 Years	12.98%	11.9%
7 Years	10.5%	9.49%
10 Years	10.01%	8.98%

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Equity Savings Fund	N.A.	5,443 Cr	10 yrs 2 m	0.9%
Kotak Equity Savings Fund	N.A.	8,254 Cr	10 yrs 10 m	0.66%
Edelweiss Equity Savings Fund	N.A.	639 Cr	10 yrs 10 m	0.6%
UTI Equity Savings Fund	N.A.	687 Cr	6 yrs 11 m	0.69%
HDFC Equity Savings Fund	N.A.	5,546 Cr	12 yrs 6 m	0.88%
Sundaram Equity Savings Fund	N.A.	1,049 Cr	12 yrs 6 m	0.63%

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Equity Savings Fund	0.4%	6.66%	8.05%	12.79%	12.98%	10.01%
Kotak Equity Savings Fund	0.4%	5.53%	6.26%	13.14%	12.79%	10.15%
Edelweiss Equity Savings Fund	0.95%	6.24%	9.56%	12.93%	12.16%	9.88%
UTI Equity Savings Fund	-0.22%	5.08%	6.31%	12.4%	13.03%	6.87%
HDFC Equity Savings Fund	-0.1%	5.26%	5.91%	12.08%	13.6%	10.72%
Sundaram Equity Savings Fund	0.05%	6.62%	9.17%	14.0%	13.46%	10.15%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Equity Savings Fund	5.29	0.56	1.29	1.86
Kotak Equity Savings Fund	5.05	0.62	1.35	1.69
Edelweiss Equity Savings Fund	3.89	0.48	1.65	2.41
UTI Equity Savings Fund	4.43	0.56	1.47	2.22
HDFC Equity Savings Fund	4.72	0.6	1.31	2.03
Sundaram Equity Savings Fund	5.44	0.65	1.47	2.63

SBI Equity Savings Fund Direct-Growth

Historical NAV & returns

SBI Equity Savings Fund overview

SBI Equity Savings Fund Returns calculator

Trailing returns as on Jul 22, 2025

Asset allocationas on Apr 30, 2025

Peer comparison

Key risk & return ratios Compared to other funds in the category

Compare SBI Equity Savings Fund in detail with

About this fund

About SBI Equity Savings Fund

Fund managers

Investment objective

SBI Mutual Fund details

More funds from SBI Mutual Fund

Frequently asked questions

SBI Equity Savings Fund Returns

ET Money rank

Alpha	3.03 vs. 5.13 Underperformed at beating benchmark
Sharpe	1.29 vs. 4.66 Poor risk-adjusted returns
Beta	0.56 vs. 1.11 Less sensitive to market ups & downs
Standard deviation	5.29 vs. 4.34 More volatile performance

Fund AUM	5,443 Cr as on Apr 30, 2025
Scheme document	View Scheme Document

No. of schemes	68 view all schemes
Total AUM	11,45,315 Cr as on Jun 30, 2025
Address	9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai, 400051
Phone	022-61793000 / 1800-425-5425

Fund name	ETM Rank	AUM	1Y	5Y
SBI Equity Hybrid Fund	N.A.	74,036 Cr	10.8%	17.83%
SBI Multi Asset Allocation Fund	N.A.	8,395 Cr	10.26%	15.93%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan	N.A.	1,507 Cr	2.68%	N.A.
SBI Conservative Hybrid Fund	N.A.	9,643 Cr	7.47%	12.14%
SBI Retirement Benefit Fund - Conservative Hybrid Plan	N.A.	284 Cr	5.37%	N.A.

Sector	Percentage of Portfolio
Financial	23.669999999999998%
Energy	7.26%
Services	5.300000000000001%
Automobile	5.140000000000001%
Materials	5.01%
Construction	4.29%
Healthcare	2.38%
Textiles	2.33%
Chemicals	2.31%
Capital Goods	2.24%

Credit Quality	Percentage of Portfolio
Cash	24.32683897%
SOV	5.93720275%
AA-	4.95950785%