November 22, 2025
RA Jainee
SBI Equity Savings Fund details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 26.9981
Quarterly NAV IDCW: Rs 25.5665
Monthly NAV IDCW: Rs 24.7127
Suitable For Which Investors?
Equity-savings funds invest about a third of your money each in equity shares, bonds and arbitrage opportunities, though these proportions may vary a bit depending upon the market outlook of the fund manager. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than fixed income options.
They may also suit those looking for a regular income from their accumulation. The debt and arbitrage portions of these funds can provide a moderate, but steady stream of income. The equity allocation, though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.
Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.
Fund’s Investment Strategy:
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.
Fund Manager:
1) Nidhi Chawla
Education: Ms. Chawla holds BBS degree and has also done MBE and CFA.
Experience: She joined SBI Mutual Fund in May 2007. She has been working as an equity research analyst covering various sectors including Real Estate, Infrastructure and Construction.
2) Mohit Jain
Education: Mr. Jain is B.E (Engineering) & CFA (Level III candidate)
Experience: Prior to joining SBI Mutual Fund, he has worked with Crisil Ltd. as a Research Analyst.
3) Neeraj Kumar
Education: Mr.Kumar is a B.Com(H) and ACA.
Experience: Prior to joining SBI AMC he has worked with SBI Funds Management Pvt. Ltd. and LIC.
4) Vandna Soni
Education: Ms. Soni has done MBA
Experience: Prior to joining SBI MF, she was working with SBICAP Sec. Ltd. ,Antique Stock Broking and CRISIL GR&A
Investment Details
| Min. Investment (₹) | 1,000 |
| Min. Addl Investment (₹) | 1,000 |
| Min. SIP Investment (₹) | 500 |
| Min. Withdrawal (₹) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (₹) | 1,000 |
| Lock-in Period | NA |
| Exit Load | 0.1% for redemption within 15 days |
Basic Details of SBI Equity Savings Fund
| Fund House | SBI Mutual Fund |
| Launch Date | 27-May-15 |
| Return Since Launch | 9.92% |
| Benchmark | NIFTY Equity Savings TRI |
| Riskometer | High |
| Type | Open-ended |
| Assets | ₹ 5,993 Cr |
| (As on 31-Oct-2025) | |
| Expense | 0.98% |
| (As on 31-Oct-2025) | |
| Risk Grade | Average |
| Return Grade | Above Average |
| Turnover | — |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| SBI Equity Savings Dir | 5.69 | -0.40 | 0.63 | 1.55 | 3.77 | 7.17 | 12.12 | 11.37 | 10.86 | 10.12 |
| VR Equity Savings TRI | 8.73 | 0.26 | 1.00 | 3.22 | 5.08 | 9.56 | 11.17 | 11.27 | 10.51 | 9.88 |
| Hybrid: Equity Savings | 6.95 | -0.21 | 0.50 | 2.13 | 4.36 | 8.56 | 11.18 | 10.90 | 10.00 | 9.30 |
| Rank within category | 19 | 22 | 11 | 22 | 14 | 20 | 7 | 9 | 6 | 4 |
| Number of funds in category | 22 | 25 | 25 | 25 | 23 | 22 | 22 | 22 | 18 | 11 |
Peer Comparison of SBI Equity Savings 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 Equity Savings Dir | 3 star | 7.17 | 12.12 | 11.37 | 0.98 | 5,993 | 9.92 | 0.10 (15) | 10Y 5M | 475.00 |
| ICICI Pru Equity Savings Dir | 5 star | 8.96 | 9.53 | 9.85 | 0.50 | 16,994 | 8.68 | 0.25 (7) | 10Y 11M | 41.00 |
| Kotak Equity Savings Dir | 4 star | 10.99 | 13.24 | 12.32 | 0.67 | 9,023 | 10.39 | 1.00 (90) | 11Y 1M | 456.10 |
| DSP Equity Savings Dir | 4 star | 7.19 | 11.18 | 11.23 | 0.55 | 3,841 | 9.93 | — | 9Y 7M | 7.00 |
| Edelweiss Equity Savings Dir | 5 star | 11.15 | 12.49 | 11.69 | 0.61 | 1,028 | 9.97 | 0.25 (30) | 11Y 1M | 80.00 |
Portfolio Analysis of SBI Equity Savings Fund
| Number of Stocks | 97 |
| Number of Bonds | 24 |
| Average Maturity (yrs) | 2.48 |
| Top 10 Holdings | 30.30% |
| Portfolio P/B Ratio | 2.88 |
| Portfolio P/E Ratio | 23.34 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,59,703 | 3,17,433 |
| Giant (%) | 51.45 | 69.56 |
| Large (%) | 16.41 | 16.25 |
| Mid (%) | 23.11 | 11.43 |
| Small (%) | 9.03 | 3.63 |
| Tiny (%) | — | — |
| Fund | Category | |
| Number of Securities | 188 | 123 |
| Macaulay Duration (yrs) | 2.14 | 2.60 |
| Average Maturity (yrs) | 2.48 | 3.56 |
| Yield to Maturity (%) | 7.32 | 6.43 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For SBI Equity Savings Fund
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