Q: What are the returns of this mutual fund scheme?

The SBI Equity Savings Fund Direct-Growth is a 10 yrs 5 m old fund and has delivered average annual returns of 10.01% since inception. SBI Equity Savings Fund Direct-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.06% 11.69% 12.32% 10.1% 10.01%

Question 1

What is the current NAV of SBI Equity Savings Fund Direct-Growth?

Accepted Answer

The current Net Asset Value (NAV) of the SBI Equity Savings Fund - Direct Growth plan is approximately ₹26.8298 as of Oct 20, 2025.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The SBI Equity Savings Fund Direct-Growth is a 10 yrs 5 m old fund and has delivered average annual returns of 10.01% since inception.

SBI Equity Savings Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.06%	11.69%	12.32%	10.1%	10.01%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The SBI Equity Savings Fund - Direct Growth has an expense ratio of 0.99%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 4

What is the AUM or fund size of this mutual fund?

Accepted Answer

The SBI Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 6,169 Cr as on Sep 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.	7.3%
Reliance Industries Ltd.	4.91%
Kotak Mahindra Bank Ltd.	2.65%
ICICI Bank Ltd.	2.58%
Larsen & Toubro Ltd.	2.17%
State Bank of India	1.83%
Axis Bank Ltd.	1.75%
Mahindra & Mahindra Ltd.	1.56%
Shree Cement Ltd.	1.42%
Bank Of Baroda	1.3%

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.	7.3%
Reliance Industries Ltd.	4.91%
Kotak Mahindra Bank Ltd.	2.65%
ICICI Bank Ltd.	2.58%
Larsen & Toubro Ltd.	2.17%
State Bank of India	1.83%
Axis Bank Ltd.	1.75%
Mahindra & Mahindra Ltd.	1.56%
Shree Cement Ltd.	1.42%
Bank Of Baroda	1.3%

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	4.13%
Bharti Telecom Ltd.	2.52%
National Bank For Agriculture & Rural Development	1.65%

Question 8

What is the quality of borrowers this mutual fund scheme 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	4.13%
Bharti Telecom Ltd.	2.52%
National Bank For Agriculture & Rural Development	1.65%

Question 9

What is risk level of SBI Equity Savings Fund?

Accepted Answer

This is a Equity Savings fund comes with High risk.

Question 10

Is there any lock-in period in this mutual fund?

Accepted Answer

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

Question 11

How do I invest in SBI Equity Savings Fund Direct-Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

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 - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the 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 the SBI Equity Savings Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

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

Expense ratio	0.99% as on Sep 30, 2025
Exit load	0.1% Exit load of 0.10% if redeemed within 15 days.!
AUM (Fund size)	₹6,169 Cr
Lock-in Period	Nil
Age	10 yrs 5 m since May 11, 2015
Benchmark	NIFTY Equity Savings TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Risk	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	1.56%	1.34%
3 Months	1.61%	2.4%
6 Months	5.27%	5.38%
1 Year	7.06%	7.78%
2 Years	11.38%	12.11%
3 Years	11.69%	11.22%
4 Years	9.56%	9.07%
5 Years	12.32%	11.61%
7 Years	11.2%	10.16%
10 Years	10.1%	9.11%

Alpha	2.07 vs. 3.92 Underperformed at beating benchmark
Sharpe	0.89 vs. 3.82 Poor risk-adjusted returns
Beta	0.58 vs. 0.9 Less sensitive to market ups & downs
Standard deviation	5.24 vs. 3.8 More volatile performance

Fund AUM	6,169 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

No. of schemes	72 view all schemes
Total AUM	12,07,585 Cr as on Sep 30, 2025
Address	9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai, 400051
Phone	022-61793000 / 1800-425-5425

SBI Equity Savings Fund Direct-Growth

Historical NAV & returns

SBI Equity Savings Fund overview

SBI Equity Savings Fund Returns calculator

Trailing returns as on Oct 25, 2025

Asset allocationas on Sep 30, 2025

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

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SBI Mutual Fund details

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SBI Equity Savings Fund Direct-Growth Returns

ET Money rank

Fund name	ETM Rank	AUM	1Y	5Y
SBI Equity Hybrid Fund	N.A.	79,008 Cr	13.94%	17.89%
SBI Multi Asset Allocation Fund	N.A.	10,484 Cr	13.8%	16.53%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan	N.A.	1,626 Cr	5.52%	N.A.
SBI Conservative Hybrid Fund	N.A.	9,859 Cr	7.1%	11.58%
SBI Balanced Advantage Fund	N.A.	37,457 Cr	7.73%	N.A.

Sector	Percentage of Portfolio
Financial	22.25%
Energy	6.22%
Materials	6.1899999999999995%
Services	4.9399999999999995%
Automobile	4.7%
Metals & Mining	4.01%
Construction	3.51%
Healthcare	2.2699999999999996%
Capital Goods	2.2399999999999998%
Textiles	2.1900000000000004%

Credit Quality	Percentage of Portfolio
Cash	24.23274346%
AAA	7.52692956%
AA-	5.04164178%