SBI Equity Savings Fund
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.
Growthvine rating: 4/5 — ranked #3 of 25 in category.
Fund basics
| Category | Hybrid: Equity Savings |
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| NAV | ₹24.39 (as of 2026-10-23) |
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| AUM | ₹5,413 Cr |
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| Expense ratio | 1.26% |
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| Riskometer | Moderately High |
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| Fund manager | Nidhi Chawla |
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| Exit load | 0.1% for redemption within 15 days |
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Performance & risk
| 5-year annualised return | 7.44% |
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| Sharpe ratio | 0.26 |
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| Standard deviation | 5.20% |
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| Max drawdown | −19.52% |
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| Alpha | 0 |
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| Beta | 0 |
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Over 5 years, captured 111.4% of NIFTY 50 Hybrid Short Duration Debt 25:75 Index's upside and 96.2% of its downside.
Market cap allocation
| Large cap | 83.3% |
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| Mid cap | 14.2% |
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| Small cap | 2.5% |
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Concentration
| Top 5 holdings | 26.3% |
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| Top 10 holdings | 36.1% |
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| Total holdings | 152 |
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Top holdings
- Net Receivable / Payable — 44.9%
- Kotak Mahindra Bank Ltd. — 6.7%
- HDFC Bank Ltd. — 5.8%
- ICICI Bank Ltd. — 5.1%
- Reliance Industries Ltd — 5.0%
- Bharti Airtel Ltd. — 3.6%
- SBI Liquid Fund - DIRECT PLAN -Growth Option — 2.9%
- Cholamandalam Investment & Finance Co. Ltd.Perpetual — 2.7%
- 7.10% CGL 2034 — 2.3%
- LIFE INSURANCE CORPORATION OF INDIA — 2.3%
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | −0.1% | Q2 | #9 of 25 |
| 2025 | 5.0% | Q4 (Bottom) | #19 of 22 |
| 2024 | 12.0% | Q1 (Top) | #6 of 22 |
| 2023 | 17.5% | Q1 (Top) | #1 of 21 |
| 2022 | 1.9% | Q3 | #15 of 19 |