SBI schemes : SBI Mutual Fund, the investment arm of India’s largest public sector bank, has established itself as a leader in the mutual fund industry. With over Rs 10 lakh crore in assets under management, it offers more than 120 funds across various risk-return profiles. This article examines the top five SBI Mutual Fund schemes based on their five-year performance, providing insights for potential investors.
Understanding the Top Performers
1. SBI PSU Direct Plan – Growth
This scheme has shown impressive results, with a five-year SIP return of 39.5%. For investors who started a monthly SIP of Rs 10,000 five years ago, their investment would have grown to Rs 15.66 lakh. With a fund size of Rs 4,851.11 crore and a low expense ratio of 0.72%, this plan has proven its worth in the market.
2. SBI Infrastructure Fund Direct-Growth
Coming in second, this fund boasts a five-year SIP return of 37.52%. An investor who began a Rs 10,000 monthly SIP five years ago would now have Rs 14.96 lakh. The fund size stands at Rs 4,790.48 crore, with a 1% expense ratio. Its current NAV is Rs 58.71, indicating steady growth over time.
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3. SBI Contra Direct Plan-Growth
With a five-year SIP return of 36.82%, this plan has transformed a monthly investment of Rs 10,000 into Rs 14.72 lakh over five years. It boasts a substantial fund size of Rs 39,432.5 crore and a competitive expense ratio of 0.57%. The current NAV of Rs 431.49 reflects its strong performance.
4. SBI Long Term Equity Fund Direct Plan-Growth
This fund has delivered a five-year SIP return of 33.63%, growing a Rs 10,000 monthly investment to Rs 13.67 lakh. With a fund size of Rs 28,000.03 crore and an expense ratio of 0.93%, it presents an attractive option for long-term investors. Its current NAV stands at Rs 483.43.
5. SBI Small Cap Fund Direct-Growth
Rounding out the top five is this small-cap fund, with a five-year SIP return of 33.01%. A monthly SIP of Rs 10,000 started five years ago would now be worth Rs 13.47 lakh. The fund manages Rs 33,068.53 crore in assets and maintains a low expense ratio of 0.63%. Its current NAV is Rs 212.19.
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What These Numbers Mean for Investors
The performance of these funds demonstrates SBI Mutual Fund’s strength in various market segments. From PSU-focused and infrastructure funds to contra strategies and small-cap investments, the fund house has proven its ability to generate substantial returns across different categories.
It’s important to note that these impressive returns are based on systematic investment plans (SIPs) over a five-year period. This approach highlights the benefits of disciplined, long-term investing and the power of compounding.
The relatively low expense ratios of these funds, ranging from 0.57% to 1%, are also noteworthy. Lower expenses can contribute to better overall returns for investors over time.
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A Word of Caution
While these funds have performed exceptionally well over the past five years, it’s crucial to remember that past performance doesn’t guarantee future results. The mutual fund industry is subject to market risks, and returns can fluctuate based on various economic and market factors.
Conclusion
SBI Mutual Fund’s top-performing schemes offer a range of options for investors with different risk appetites and investment goals. From the high-flying SBI PSU Direct Plan to the steady growth of the Small Cap Fund, these schemes have demonstrated their potential to generate significant returns over a five-year period.
However, potential investors should conduct thorough research, consider their financial goals, risk tolerance, and investment horizon before making any decisions. Consulting with a qualified financial advisor can provide personalized guidance based on individual circumstances.
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Remember, successful investing is often about finding the right balance between risk and return, and maintaining a long-term perspective. The performance of these SBI Mutual Fund schemes serves as a testament to the potential benefits of patient, disciplined investing in the Indian mutual fund market.