SBI Multi Asset Allocation Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Multi Asset Allocation

Fund House : SBI Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 69.9465 0.09%
(as on 07th November, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 10484.39 Cr

(6.96% of Investment in Category)

Expense Ratio

: 0.6%

(0.54% Category average)

Risk-O-Meter

Very High Risk

Multi Asset Allocation :Multi Asset Allocation : The fund has 39.3% investment in domestic equities of which 16.65% is in Large Cap stocks, 4.83% is in Mid Cap stocks, 7.39% in Small Cap stocks.The fund has 34.07% investment in Debt, of which 5.45% in Government securities, 27.03% is in Low Risk securities.

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This Scheme

VS

45% BSE 500 TRI + 40% Crisil Composite Bond Fund Index + 10% Domestic Prices of Gold + 5% Domestic Prices of Silver.

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NA
0.87%

5.8%

9.87%

12.47%

19.55%

19.33%

12.97%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 07th November, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	31-Oct-25	10017.50	0.18%	-	-0.40%	1/31
1 Month	07-Oct-25	10186.50	1.86%	-	0.87%	3/31
3 Month	07-Aug-25	10662.60	6.63%	-	5.80%	9/29
6 Month	07-May-25	11118.60	11.19%	-	9.87%	9/27
YTD	01-Jan-25	11450.30	14.50%	-	13.31%	12/26
1 Year	07-Nov-24	11333.30	13.33%	13.33%	12.47%	10/24
2 Year	07-Nov-23	14252.30	42.52%	19.35%	19.55%	10/15
3 Year	07-Nov-22	16548.00	65.48%	18.26%	18.47%	5/8
5 Year	06-Nov-20	21151.30	111.51%	16.14%	19.33%	7/8
10 Year	06-Nov-15	32612.70	226.13%	12.53%	14.09%	3/6
Since Inception	15-Mar-13	45071.50	350.72%	12.63%	12.97%	12/22

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 07th November, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	07-Nov-24	12000	13254.16	10.45 %	19.83 %
2 Year	07-Nov-23	24000	28127.87	17.2 %	16.03 %
3 Year	07-Nov-22	36000	46906.5	30.3 %	17.93 %
5 Year	06-Nov-20	60000	90714.54	51.19 %	16.53 %
10 Year	06-Nov-15	120000	250063.97	108.39 %	14.05 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

Please check with your Tax Advisor.

Portfolio (Updated on 30th Sep,2025)

Equity Holding : 39.30% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 39.30%

No of Stocks : 58 (Category Avg - 62.55) | Large Cap Investments : 16.65%| Mid Cap Investments : 4.83% | Small Cap Investments : 7.39% | Other : 10.43%

Top 10 Stocks in Portfolio

How to read this table?

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
HDFC Bank Ltd.	Private sector bank	2531.6	2.41%	-0.17%	3.08% (May 2025)	1.69% (Jan 2025)	26.62 L
Reliance Industries Ltd.	Refineries & marketing	2346.1	2.24%	-0.14%	3.06% (May 2025)	0.81% (Nov 2024)	17.20 L
Burger King India Ltd.	Restaurants	1577.9	1.50%	-0.17%	2.08% (May 2025)	0.49% (Mar 2025)	2.05 Cr
Gokaldas Exports Ltd.	Garments & apparels	1569.5	1.50%	0.01%	1.61% (Sep 2025)	0.45% (Mar 2025)	21.80 L
ITC Limited	Diversified fmcg	1525.9	1.46%	-0.13%	1.89% (May 2025)	0.95% (May 2025)	38.00 L
Fairchem Speciality Ltd.	Specialty chemicals	1458	1.39%	0.01%	1.65% (Jul 2025)	0% (Oct 2024)	6.11 L
Federal Bank Ltd.	Private sector bank	1254.1	1.20%	-0.07%	1.39% (Jul 2025)	0% (Oct 2024)	65.00 L
Bandhan Bank Ltd.	Private sector bank	1216.6	1.16%	-0.08%	1.59% (Jun 2025)	0.66% (Feb 2025)	75.00 L
HCL Technologies Limited	Computers - software & consulting	1080.4	1.03%	-0.13%	2.03% (Jan 2025)	0.54% (Oct 2024)	7.80 L
VRL Logistic Ltd.	Logistics solution provider	1022.5	0.98%	-0.03%	1.58% (Oct 2024)	0.98% (Sep 2025)	37.40 L

- indicates change in weight in the portfolio. # indicates a new entry.

Detailed Portfolio Analysis

No of Debt Holding 40 (Category Avg - 16.90) | Modified Duration 2.72 Years (Category Avg - 2.75)| Yield to Maturity 7.27% (Category Avg - 6.52%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	5.45%	7.14%
CD	0.94%	1.00%
T-Bills	0.00%	0.66%
CP	0.00%	0.12%
NCD & Bonds	27.68%	8.03%
PTC	0.00%	0.10%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	5.45%	7.80%
Low Risk	27.03%	9.02%
Moderate Risk	0.92%	0.10%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.67%	0.12%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	10.70%
MF Units	MF Units	6.90%
MF Units	MF Units	3.52%
Brookfield India Real Estate Trust	InvITs	2.51%
MF Units	MF Units	2.31%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 31st October, 2025)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

6.79vs8.09

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

Low volatility

0.83vs1.03

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

1.59vs1.35

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Better risk adjusted returns

0.13vs0.12

Category Avg
Jensen's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Better risk adjusted returns

5.97vs5.29

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
DSP Multi Asset Allocation Fund - Direct Plan - Growth	NA	4400.45	1.00	8.73	13.56	17.40	0.00
Mahindra Manulife Multi Asset Allocation Fund - Direct Plan - Growth	NA	691.32	1.74	8.68	13.25	17.26	0.00
WhiteOak Capital Multi Asset Allocation Fund - Direct Plan - Growth	NA	3942.58	0.82	4.96	8.81	16.97	0.00
Sundaram Multi Asset Allocation Fund - Direct Plan - Growth	NA	2798.62	0.85	6.25	8.50	16.08	0.00
Union Multi Asset Allocation Fund - Direct Plan - Growth	NA	777.90	0.44	7.16	10.56	15.90	0.00
Nippon India Multi Asset Allocation Fund - Direct Plan - Growth	NA	7759.34	0.70	6.96	12.87	15.83	21.32
Mirae Asset Multi Asset Allocation Fund - Direct Plan - Growth	NA	2370.69	1.47	5.81	9.78	14.47	0.00
Aditya Birla Sun Life Multi Asset Allocation Fund - Direct Plan - Growth	NA	4692.61	0.74	6.21	10.11	13.61	0.00
Kotak Multi Asset Allocation Fund - Direct Plan - Growth	NA	8958.44	-0.20	9.17	15.47	13.56	0.00
ICICI Prudential Multi-Asset Fund - Direct Plan - Growth	4	67999.63	1.06	6.01	8.32	13.33	19.96

Detailed Comparison

More Funds from SBI Mutual Fund

Out of 109 mutual fund schemes offered by this AMC, 1 is/are ranked 5 * , 6 is/are ranked 4 * , 8 is/are ranked 3 * , 6 is/are ranked 2 * , 7 is/are ranked 1 * , and 81 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
SBI Equity Hybrid Fund - Direct Plan - Growth	4	79008.05	0.78	3.04	6.28	12.60	14.29
SBI Liquid Fund - Direct Plan - Growth	3	56928.87	0.48	1.44	3.01	6.68	7.03
SBI Large Cap Fund - Direct Plan - Growth	3	52829.93	1.48	3.14	5.87	5.24	14.34
SBI Contra Fund - Direct Plan - Growth	3	47205.42	1.91	3.94	5.84	2.21	20.50
SBI Arbitrage Opportunities Fund - Direct Plan - Growth	4	39217.39	0.58	1.52	3.17	7.08	7.78
SBI Focused Fund - Direct Plan - Growth	4	38916.82	2.32	6.39	10.61	11.33	17.06
SBI Balanced Advantage Fund - Direct Plan - Growth	NA	37457.25	2.09	4.11	5.32	7.88	14.77
SBI Savings Fund - Direct Plan - Growth	1	36565.60	0.48	1.48	3.38	7.66	7.64
SBI Small Cap Fund - Direct Plan - Growth	2	35584.85	0.45	2.23	8.11	-3.71	15.21
SBI Large & Midcap Fund - Direct Plan - Growth	3	34065.48	1.79	3.82	9.45	6.19	17.23