SBI Equity Savings Fund - Regular Plan - IDCW - Quarterly

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 : Equity Savings

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

: ₹ 23.0053 0.13%
(as on 23rd October, 2025)

Crisil Rating

Not Rated

Rank not available for the fund

Fund Size

: ₹ 6169.17 Cr

(11.89% of Investment in Category)

Expense Ratio

: 1.55%

(1.71% Category average)

Risk-O-Meter

High Risk

Equity Savings :Equity Savings : The fund has 65.27% investment in domestic equities of which 29.97% is in Large Cap stocks, 7.47% is in Mid Cap stocks, 9.68% in Small Cap stocks.The fund has 23.77% investment in Debt, of which 4.29% in Government securities, 18.82% is in Low Risk securities.

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This Scheme

VS

Nifty Equity Savings Index

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6.53%
NA
0.99%

1.73%

4.4%

6.33%

10.9%

10.44%

7.83%

NA
Gold

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Returns Calculator
SIP Calculator
VIP (Value Avg)

Amount

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Returns (NAV as on 23rd October, 2025)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	16-Oct-25	10050.10	0.50%	-	0.29%	9/26
1 Month	23-Sep-25	10096.10	0.96%	-	0.99%	18/26
3 Month	23-Jul-25	10047.00	0.47%	-	1.73%	23/24
6 Month	23-Apr-25	10425.80	4.26%	-	4.40%	14/24
YTD	01-Jan-25	10455.50	4.55%	-	5.71%	20/23
1 Year	23-Oct-24	10573.40	5.73%	5.73%	6.33%	17/23
2 Year	23-Oct-23	12237.80	22.38%	10.61%	10.90%	16/23
3 Year	21-Oct-22	13779.30	37.79%	11.25%	10.26%	7/23
5 Year	23-Oct-20	17322.00	73.22%	11.61%	10.45%	6/23
10 Year	23-Oct-15	23789.60	137.90%	9.05%	8.21%	5/15
Since Inception	27-May-15	24283.90	142.84%	8.89%	7.80%	7/24

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 23rd October, 2025)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	23-Oct-24	12000	12516.56	4.3 %	8.06 %
2 Year	23-Oct-23	24000	26112.66	8.8 %	8.33 %
3 Year	21-Oct-22	36000	42131.67	17.03 %	10.47 %
5 Year	23-Oct-20	60000	77625.31	29.38 %	10.23 %
10 Year	23-Oct-15	120000	199105.14	65.92 %	9.77 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

Portfolio (Updated on 30th Sep,2025)

Equity Holding : 65.27% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.80%| Total : 66.07%

No of Stocks : 99 (Category Avg - 79.60) | Large Cap Investments : 29.97%| Mid Cap Investments : 7.47% | Small Cap Investments : 9.68% | Other : 18.95%

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	1M Change in Qty
HDFC Bank Ltd.	Private sector bank	4502.1	7.30%	-0.71%	9.78% (Jun 2025)	4.95% (Jan 2025)	47.34 L	-0.64 L
Reliance Industries Ltd.	Refineries & marketing	3027.6	4.91%	-0.31%	5.86% (Jun 2025)	1.92% (Oct 2024)	22.20 L	25.00 k
Kotak Mahindra Bank Ltd.	Private sector bank	1634.8	2.65%	-0.32%	4.86% (Jan 2025)	2.65% (Sep 2025)	8.20 L	-0.43 L
ICICI Bank Ltd.	Private sector bank	1593.1	2.58%	0.11%	3.01% (Mar 2025)	2.31% (Jul 2025)	11.82 L	1.74 L
Larsen & Toubro Ltd.	Civil construction	1336.5	2.17%	-0.14%	2.47% (May 2025)	1.06% (Oct 2024)	3.65 L	0.00
State Bank Of India	Public sector bank	1127	1.83%	0.01%	2.76% (Nov 2024)	0.44% (Jun 2025)	12.92 L	-4.50 k
- Axis Bank Ltd.	Private sector bank	1080.7	1.75%	0.00%	2.78% (Apr 2025)	0.45% (Oct 2024)	9.55 L	0.00
Mahindra & Mahindra Ltd.	Passenger cars & utility vehicles	964.4	1.56%	0.39%	1.56% (Sep 2025)	1.12% (Apr 2025)	2.81 L	73.40 k
Shree Cement Ltd.	Cement & cement products	878	1.42%	-0.12%	1.67% (Jun 2025)	0% (Oct 2024)	30.00 k	0.00
Bank Of Baroda	Public sector bank	799.2	1.30%	0.91%	1.3% (Sep 2025)	0.35% (Feb 2025)	30.91 L	21.26 L

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

Detailed Portfolio Analysis

No of Debt Holding 25 (Category Avg - 16.92) | Modified Duration 2.04 Years (Category Avg - 2.51)| Yield to Maturity 7.34% (Category Avg - 6.43%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	4.13%	9.79%
CD	0.80%	0.78%
T-Bills	0.16%	0.65%
CP	0.00%	0.28%
NCD & Bonds	18.68%	7.85%
PTC	0.00%	0.18%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	4.29%	10.44%
Low Risk	18.82%	8.97%
Moderate Risk	0.66%	0.07%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
TREPS	TREPS	5.73%
Embassy Office Parks Reit	InvITs	2.12%
Cube Highways Trust	InvITs	1.96%
National Highways Infra Trust	InvITs	1.38%
Brookfield India Real Estate Trust	InvITs	1.22%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 30th September, 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.

High volatility

4.29vs3.57

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.

High volatility

0.67vs0.5

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

1.08vs1

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.

Poor risk adjusted returns

0.07vs0.08

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

2vs1.43

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
LIC MF Equity Savings Fund - Growth	1	29.82	1.05	1.75	4.72	9.50	10.07
Edelweiss Equity Savings Fund - Regular Plan - Growth	NA	946.86	1.29	2.56	5.68	8.92	11.57
Aditya Birla Sun Life Equity Savings Fund - Regular Plan - Growth	NA	911.51	1.12	2.13	4.93	8.20	9.33
Mirae Asset Equity Savings Fund - Growth	NA	1669.56	1.11	1.29	4.93	7.71	11.53
ICICI Prudential Equity Savings Fund - Growth	NA	16487.15	0.96	1.77	4.30	7.32	9.12
Kotak Equity Savings Fund - Growth	NA	8782.37	0.73	2.65	5.46	7.30	11.94
Tata Equity Savings Fund - Regular Plan - Growth	2	270.01	0.74	1.15	3.12	6.26	10.06
Baroda BNP Paribas Equity Savings Fund - Regular Plan - Growth	NA	264.97	1.55	1.47	4.74	6.23	10.33
HSBC Equity Savings Fund - Growth	NA	723.21	0.46	4.32	8.69	6.05	13.86
PGIM India Equity Savings Fund - Growth	3	70.80	0.77	1.31	3.01	6.01	7.25

Detailed Comparison

More Funds from SBI Mutual Fund

Out of 141 mutual fund schemes offered by this AMC, 4 is/are ranked 5 * , 7 is/are ranked 4 * , 12 is/are ranked 3 * , 7 is/are ranked 2 * , 8 is/are ranked 1 * , and 103 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
SBI Nifty 50 ETF	4	202457.72	2.89	2.94	7.33	7.25	14.98
SBI Nifty 50 ETF	4	202457.72	2.89	2.94	7.33	7.25	14.98
SBI BSE Sensex ETF	5	117106.13	3.02	2.42	6.49	6.82	13.85
SBI BSE Sensex ETF	5	117106.13	3.02	2.42	6.49	6.82	13.85
SBI Equity Hybrid Fund - Regular Plan - Growth	3	79008.05	1.96	1.97	7.55	12.13	15.04
SBI Liquid Fund - Regular Plan - Growth	3	56928.87	0.47	1.40	2.95	6.63	6.93
SBI Large Cap Fund - Regular Plan - Growth	3	52829.93	1.85	1.78	6.68	5.26	15.20
SBI Contra Fund - Regular Plan - Growth	4	47205.42	1.65	0.45	5.29	1.34	20.69
SBI Arbitrage Opportunities Fund - Regular Plan - Growth	4	39217.39	0.58	1.36	2.93	6.61	7.15
SBI Focused Fund - Regular Plan - Growth	4	38916.82	1.84	3.75	9.30	11.36	16.74