SBI Equity Savings Fund

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

The SBI Equity Savings Fund is a 10 yrs 4 m old fund and has delivered average annual returns of 8.81% since inception. SBI Equity Savings Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 2.88% 10.8% 11.74% 9.0% 8.81%

Q: How much does this mutual fund charge as expense ratio?

The SBI Equity Savings Fund has an expense ratio of 1.56% , 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.

NAV as of Sep 26, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹23.836-0.54% 1 day change	8.81% p.a.	App exclusive #NA View Ranked Funds	₹5,703 Cr

Historical NAV & returns

NAV: ₹23.836 as on Sep 26, 2025

This fund Category average

SBI Equity Savings Fund overview

AUM (Fund size)	₹5,703 Cr
Exit load	0.1% Exit load of 0.10% if redeemed within 15 days.!
Lock-in Period	Nil
Age	10 yrs 4 m since May 11, 2015
Benchmark	NIFTY Equity Savings TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Expense ratio	1.56% as on Aug 31, 2025
Plan type	Regular
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%

SBI Equity Savings Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 30, 2025

Period	This fund	Category average
1 Month	0.52%	0.41%
3 Months	-1.2%	0.33%
6 Months	4.92%	4.6%
1 Year	2.88%	3.47%
2 Years	9.06%	9.75%
3 Years	10.8%	10.0%
4 Years	8.63%	7.81%
5 Years	11.74%	10.47%
7 Years	9.71%	8.47%
10 Years	9.0%	7.96%

Asset allocationas on Aug 31, 2025

Large Cap 25.68%

Mid Cap 6.35%

Small Cap 11.07%

Other Cap 0%

Top holdings

HDFC Bank Ltd.8.01%

Reliance Industries Ltd.5.22%

Kotak Mahindra Bank Ltd.2.97%

ICICI Bank Ltd.2.47%

Top sectors

Financial 22.739999999999995%

Materials 6.980000000000001%

Energy 6.589999999999998%

Services 5.4399999999999995%

Cash 24.24881481%

AAA 9.01616477%

AA- 5.55998517%

Cash & Call Money 3.50210557%

Top Debt Holdings

GOI 3.15%

Bharti Telecom Ltd. 2.72%

National Bank For Agriculture & Rural Development 1.78%

Infopark Properties Ltd. 1.77%

Allocation by Instruments

Cash Margin 24.24881481%

Debenture 11.2037877%

Bonds 3.809554%

Infrastructure Investment Trust 3.7902953%

Other Holdings

Cube Highways Trust 2.08%

Embassy Office Parks REIT 2.0%

National Highways Infra Trust 1.71%

Brookfield India Real Estate Trust REIT 1.23%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Equity Savings Fund	0.52%	4.92%	2.88%	10.8%	11.74%	9.0%
Edelweiss Equity Savings Fund	0.45%	5.55%	5.97%	11.33%	10.85%	8.99%
Kotak Equity Savings Fund	1.3%	6.66%	3.67%	11.91%	11.6%	9.34%
UTI Equity Savings Fund	0.61%	3.2%	2.7%	10.82%	11.91%	6.2%
Sundaram Equity Savings Fund	0.33%	4.43%	2.63%	11.39%	11.34%	8.4%
HSBC Equity Savings Fund	0.45%	9.14%	3.63%	13.43%	13.57%	8.96%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Equity Savings Fund	5.25	0.57	0.76	1.17
Edelweiss Equity Savings Fund	3.74	0.47	1.08	1.55
Kotak Equity Savings Fund	5.08	0.65	0.86	1.14
UTI Equity Savings Fund	4.35	0.57	0.8	1.28
Sundaram Equity Savings Fund	5.35	0.66	0.75	1.41
HSBC Equity Savings Fund	7.31	0.61	0.87	0.85

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Equity Savings Fund	N.A.	5,703 Cr	10 yrs 4 m	1.56%
Edelweiss Equity Savings Fund	N.A.	843 Cr	11 yrs	1.56%
Kotak Equity Savings Fund	N.A.	8,254 Cr	11 yrs	1.76%
UTI Equity Savings Fund	N.A.	714 Cr	7 yrs 1 m	1.64%
Sundaram Equity Savings Fund	N.A.	1,140 Cr	23 yrs 5 m	2.15%
HSBC Equity Savings Fund	N.A.	624 Cr	14 yrs	1.52%

View all Equity Savings funds

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

Alpha	1.97 vs. 3.05 Underperformed at beating benchmark
Sharpe	0.76 vs. 3.03 Poor risk-adjusted returns
Beta	0.57 vs. 0.67 Less sensitive to market ups & downs
Standard deviation	5.25 vs. 3.88 More volatile performance

Compare SBI Equity Savings Fund in detail with

About this fund

About SBI Equity Savings Fund

SBI Equity Savings Fund is a Equity Savings mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 10 yrs 4 m, having been launched on 11/05/2015. SBI Equity Savings Fund has ₹5,703 Crores worth of assets under management (AUM) as on 31/08/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of SBI Equity Savings Fund as of 26/09/2025 is ₹23.84. The fund has an expense ratio of 1.56%, which is higher than what most other Equity Savings funds charge. Currently, the fund has a 43.10% allocation to equity and 22.13% to Debt.

SBI Equity Savings Fund returns of last 1-year are 2.66%. Since launch, it has delivered 8.76% average annual returns. The fund has doubled the money invested in it every 6 yrs.
SBI Equity Savings Fund scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's equity portion is primarily invested in Financial, Construction, Services, Materials, Energy sectors. It has taken less exposure in Financial, Construction sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in HDFC Bank Ltd., Reliance Industries Ltd., GOI, Kotak Mahindra Bank Ltd., Bharti Telecom Ltd..

...

Fund AUM	5,703 Cr as on Aug 31, 2025
Scheme document	View Scheme Document

Fund managers

Neeraj Kumar

Mr.Kumar is a B.Com(H) and ACA. Prior to joining SBI AMC he has worked with SBI Funds Management Pvt. Ltd. and LIC.

Nidhi Chawla

Ms. Chawla holds BBS degree and has also done MBE and CFA. 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.

Vandna Soni

Ms. Soni has done MBA Prior to joining SBI MF, she was working with SBICAP Sec. Ltd. ,Antique Stock Broking and CRISIL GR&A

Mohit Jain

Mr. Jain is B.E (Engineering) & CFA (Level III candidate) Prior to joining SBI Mutual Fund, he has worked with Crisil Ltd. as a Research Analyst.

Investment objective

The scheme seeks 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.

SBI Mutual Fund details

No. of schemes	72 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

More funds from SBI Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
SBI Equity Hybrid Fund	N.A.	77,256 Cr	3.97%	16.69%
SBI Multi Asset Allocation Fund	N.A.	8,395 Cr	7.1%	15.03%
SBI Conservative Hybrid Fund	N.A.	9,643 Cr	4.08%	11.23%
SBI Arbitrage Opportunities Fund	N.A.	41,552 Cr	6.71%	5.82%
SBI Dynamic Asset Allocation Active FoF	N.A.	NA	N.A.	N.A.

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of SBI Equity Savings Fund?

The current Net Asset Value (NAV) of the SBI Equity Savings Fund plan is approximately ₹23.836 as of Sep 26, 2025.

What are the returns of this mutual fund scheme?

The SBI Equity Savings Fund is a 10 yrs 4 m old fund and has delivered average annual returns of 8.81% since inception.

SBI Equity Savings Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
2.88%	10.8%	11.74%	9.0%	8.81%

How much does this mutual fund charge as expense ratio?

The SBI Equity Savings Fund has an expense ratio of 1.56%, 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.

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

The SBI Equity Savings Fund currently has assets under management (AUM) or fund size valued at approximately 5,703 Cr as on Aug 31, 2025.

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

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.	8.01%
Reliance Industries Ltd.	5.22%
Kotak Mahindra Bank Ltd.	2.97%
ICICI Bank Ltd.	2.47%
Larsen & Toubro Ltd.	2.31%
State Bank of India	1.82%
Axis Bank Ltd.	1.75%
Shree Cement Ltd.	1.54%
Aster DM Healthcare Ltd.	1.19%
Mahindra & Mahindra Ltd.	1.17%

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

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

Sector	Percentage of Portfolio
Financial	22.739999999999995%
Materials	6.980000000000001%
Energy	6.589999999999998%
Services	5.4399999999999995%
Automobile	4.53%
Construction	3.79%
Metals & Mining	3.5200000000000005%
Textiles	2.4%
Healthcare	2.31%
Capital Goods	2.21%

To whom does SBI Equity Savings Fund lend to?

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

Holding Name	Percentage of Portfolio
GOI	3.15%
Bharti Telecom Ltd.	2.72%
National Bank For Agriculture & Rural Development	1.78%

What is the quality of borrowers this mutual fund scheme lends to?

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

Credit Quality	Percentage of Portfolio
Cash	24.24881481%
AAA	9.01616477%
AA-	5.55998517%

What is risk level of SBI Equity Savings Fund?

This is a Equity Savings fund comes with High risk.

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

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

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

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.

ET Money rank

App exclusive

in Equity Savings

#NA

Return Outperformance: This fund has generated highest return amongst Equity Savings funds in the last 10 Years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: Exit load of 0.10% if redeemed within 15 days.