March 23, 2026
RA Jainee
SBI Consumption Opportunities Fund
| Fund at a Glance | |
| NAV Growth (Rs.) | 306.59 |
| NAV Bonus (Rs.) | — |
| NAV IDCW (Rs.) | 215.84 |
| Min. Investment (Rs.) | 5,000 |
| Min. SIP Investment (Rs.) | 500 |
| Min. No of Cheques | 12 |
| Benchmark | NIFTY India Consumption TRI |
| AUM Rs. | 2,970 Cr |
| (As on 28-Feb-2026) | |
| Expense | 0.94% |
| 1 Year Return (%) | -6.65 |
| 3 Year Return (%) | 11.25 |
| 5 Year Return (%) | 15.09 |
| 10 Year Return (%) | 15.10 |
| Return Since Launch | 14.73% |
⚖️ Sahifund Review ✔
PLUS: Stability, track record, cost efficiency
• Strong long-term consistency with ~15%+ returns over 5–10 years, reflecting India’s consumption growth story
• Backed by SBI Mutual Fund’s strong research and experienced fund manager Ashit Desai
• Diversified portfolio (45 stocks) across staples and discretionary consumption segments
• Structural growth tailwinds from rising income, urbanisation and premiumisation
• Balanced portfolio churn (~50%) indicating disciplined management
MINUS: Large AUM, large-cap bias, momentum lag
• Weak short-term performance (-6.65% 1Y) shows clear momentum lag vs peers
• High large-cap allocation (~52%) limits alpha generation in bull phases
• Elevated valuations (P/E ~47.60) restrict near-term upside
• Sector concentration risk (~81% in top 3 sectors)
• Expense ratio (0.94%) higher than some peers
Sahifund View (Decisive Line):
A strong long-term consumption theme fund, but best suited for SIP investors with patience as near-term returns may remain subdued.
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| NFO Guidance |
What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.
Suitable For Which Investors?
Consumption funds are suitable for investors:
1. Seeking exposure in shares of consumer facing companies for high returns
2. Aiming for long term wealth creation
3. With a 5+ year investment horizon
4. Who are at ease with the market’s ups and downs
Note:
• Invest only through SIP
Fund’s Investment Strategy:
The scheme seeks to provide the investor with the opportunity of long-term capital appreciation by investing in a diversified portfolio of equity and equity related securities in Consumption space.
Fund Manager:
1) Ashit Desai
Education: Mr. Desai has done B.Com, PGDM and FRM
Experience: Prior to joining SBI Mutual Fund, he has worked with Emkay Global Financial Services Ltd., SBICAPS Sec. Ltd. and Batlivala & Karani Sec, Ltd.
Investment Details
| Min. Investment (Rs.) | 5,000 |
| Min. Addl Investment (Rs.) | 1,000 |
| Min. SIP Investment (Rs.) | 500 |
| Min. Withdrawal (Rs.) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (Rs.) | 1,000 |
| Lock-in Period | NA |
| Exit Load | 0.1% for redemption within 30 days |
Basic Details of SBI Consumption Opportunities Fund
| Fund House | SBI Mutual Fund |
| Launch Date | 01-Jan-13 |
| Return Since Launch | 14.73% |
| Benchmark | NIFTY India Consumption TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets Rs. | 2,970 Cr |
| (As on 28-Feb-2026) | |
| Expense | 0.94% |
| (As on 28-Feb-2026) | |
| Risk Grade | Above Average |
| Return Grade | Average |
| Turnover | 50.00% |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| SBI Consumption Opportunities Dir | -12.62 | -2.92 | -8.29 | -13.01 | -15.73 | -6.65 | 11.25 | 15.09 | 13.63 | 15.10 |
| BSE 500 TRI | -11.09 | -3.13 | -8.93 | -10.38 | -9.57 | 2.31 | 14.45 | 12.47 | 13.24 | 14.17 |
| Equity: Thematic-Consumption | -13.36 | -3.05 | -9.16 | -12.90 | -15.94 | -2.26 | 13.71 | 13.49 | 13.81 | 15.02 |
| Rank within category | 7 | 8 | 5 | 15 | 12 | 22 | 11 | 2 | 7 | 5 |
| Number of funds in category | 28 | 31 | 31 | 27 | 24 | 24 | 11 | 11 | 10 | 8 |
Peer Comparison of SBI Consumption Opportunities Fund
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| SBI Consumption Opportunities Dir | 3 star | -6.65 | 11.25 | 15.09 | 0.94 | 2,970 | 14.73 | 0.10 (30) | 13Y 2M | 50.00 |
| Mirae Asset Great Consumer Dir | 4 star | -0.63 | 14.57 | 14.67 | 0.44 | 4,473 | 16.16 | 1.00 (365) | 13Y 2M | 48.00 |
| ICICI Pru Bharat Consumption Dir | 5 star | -1.11 | 13.96 | 14.11 | 1.11 | 3,093 | 13.45 | 1.00 (90) | 6Y 11M | 68.00 |
| Nippon India Consumption Dir | 4 star | -3.77 | 13.08 | 15.14 | 0.60 | 2,512 | 12.69 | 1.00 (30) | 13Y 2M | 41.00 |
| Baroda BNP Paribas India Consumption Dir | 4 star | -3.01 | 14.34 | 13.01 | 0.64 | 1,455 | 16.24 | 1.00 (365) | 7Y 6M | 71.00 |
Portfolio Analysis of SBI Consumption Opportunities Fund
| No. of Stocks | 45 |
| Top 10 Stocks | 42.95% |
| Top 5 Stocks | 23.67% |
| Top 3 Sectors | 81.09% |
| Portfolio P/B Ratio | 7.66 |
| Portfolio P/E Ratio | 47.60 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 88,432 | 1,48,158 |
| Giant (%) | — | — |
| Large (%) | 52.70 | 64.53 |
| Mid (%) | 26.83 | 18.79 |
| Small (%) | 20.46 | 20.57 |
| Tiny (%) | — | — |
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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