SBI Mutual Fund’s Top 5 Schemes: Mutual funds are a great investment option – whether you are looking for short-term, medium-term or long-term growth of your money. While short-term success can often depend on external factors, long-term performance truly shows a fund’s strength. When a fund performs well for over 20-30 years, it earns investors’ trust by proving it can handle market ups and downs.
In this story, we will talk about some of the oldest and best-performing funds from SBI Mutual Fund, one of India’s top fund houses.
We will focus on 5 SBI schemes that have delivered outstanding returns over the last 20-30 years, with some achieving up to 19% CAGR. Let’s dive into specific details of these schemes and how these funds have created wealth for investors and stood the test of time.
SBI Consumption Opportunities Fund
SBI Consumption Opportunities Fund invests at least 80% of its assets in consumer-facing companies. It aims to provide long-term capital appreciation by investing in a diversified portfolio of equity and equity-related securities in the consumption space.
Benchmark: NIFTY India Consumption TRI
Expense Ratio: 1.97%
Riskometer Level: Very High
AUM Size: Rs 3,100 crore
Fund Launch Date: 05-Jul-1999
Return Since Launch (CAGR): 15.80%
20-Year Returns (CAGR): 18.95%
SIP Returns Over 25 Years (CAGR): 19.29%
At this SIP return rate, an investment of Rs 1,000 per month would have grown to Rs 55.66 lakh in 25 years. A lumpsum investment of Rs 1 lakh since inception would have grown to Rs 39.14 lakh, reflecting an impressive 15.80% annualised return.
SBI Large & Midcap Fund
This fund mandates a minimum of 35% of its assets in large-cap and mid-cap stocks, offering a balance of stability and growth potential.
Benchmark: NIFTY Large Midcap 250 TRI
Expense Ratio: 1.61%
Riskometer Level: Very High
AUM Size: Rs 29,268 crore (as of Dec 31, 2024)
Fund Launch Date: 28-Feb-1993
Return Since Launch (CAGR): 14.99%
20-Year Returns (CAGR): 18.35%
A lumpsum investment of Rs 1 lakh at inception would have grown to Rs 75.93 lakh over 31 years, delivering an annualized return of 14.99%.
SBI Long Term Equity Fund – Regular Plan
This fund invests at least 80% of its assets in equities while offering tax deductions under Section 80C of the Income Tax Act, 1961.
Benchmark: BSE 500 TRI
Expense Ratio: 1.61%
Riskometer Level: Very High
AUM Size: Rs 27,791 crore (as of Dec 31, 2024)
Fund Launch Date: 31-Mar-1993
Return Since Launch (CAGR): 17.03%
20-Year Returns (CAGR): 18.19%
A lumpsum investment of Rs 1 lakh at inception would have grown to Rs 1.3 crore, delivering an impressive 17.03% CAGR over 31 years.
SBI Focused Equity Fund
As a flexi-cap fund with a focused strategy, it invests in a maximum of 30 stocks across all market capitalizations to maximize potential gains.
Benchmark: BSE 500 TRI
Expense Ratio: 1.57%
Riskometer Level: Very High
AUM Size: Rs 34,680 crore (as of Dec 31, 2024)
Fund Launch Date: 11-Oct-2004
Return Since Launch (CAGR): 18.74%
20-Year Returns (CAGR): 18.08%
SIP Returns Over 20 Years (CAGR): 16.09%
At this SIP return rate, an investment of Rs 1,000 per month would have grown to Rs 15.17 lakh in 20 years. A lumpsum investment of Rs 1 lakh at inception would have grown to Rs 27.76 lakh.
SBI Contra Fund
SBI Contra Fund follows a contrarian investment approach, seeking undervalued stocks that are poised for growth.
Benchmark: BSE 500 TRI
Expense Ratio: 1.57%
Riskometer Level: Very High
AUM Size: Rs 34,680 crore (as of Dec 31, 2024)
Fund Launch Date: 05-Jul-1999
Return Since Launch (CAGR): 19.39%
20-Year Returns (CAGR): 17.86%
A lumpsum investment of Rs 1 lakh at inception would have grown to Rs 84 lakh over 25 years, delivering an annualised return of 19.39%.
Conclusion:
With returns as high as 19% CAGR over 25 years, these SBI funds have proven their ability to create significant wealth for investors. Whether through SIPs or lumpsum investments, the performance of these funds highlights their resilience in navigating market volatility while delivering consistent growth. These top-performing schemes make SBI Mutual Fund a preferred choice for investors looking to achieve long-term financial goals.