Introduction
When you look at the fast-moving world of investing, mutual funds sit near the top, mainly because they are easy for beginners to understand. In India, SBI Mutual Fund shines above many other companies, thanks to its long track record, huge choice of plans, and steady returns. The fund is run by SBI Funds Management Pvt. Ltd., a partnership between Indias State Bank and Frances Amundi, so it blends local know-how with global standards.
In this post well break down everything you should know about SBI Mutual Fund-types, perks, how to get started, its star schemes, and more.
What is SBI Mutual Fund?
SBI Mutual Fund is one of Indias oldest and most respected fund houses, having opened its doors back in 1987. It rolls out a complete menu of plans-equity, debt, hybrid, ELSS for tax savings, and goal-focused options for retirement or your kids school fees.
Thanks to SBI behind it and the worldwide know-how of Amundi, the house mixes deep local insight with the best ideas from other markets.
Key Benefits of Investing in SBI Mutual Fund
1. Strong Brand Trust
Because State Bank of India backs the fund, most people feel safe putting their money here.
Wide Range of Schemes
SBI Mutual Fund has more than 100 plans that fit different levels of risk and goals.
Experienced Fund Managers
A team of pros looks after each fund, basing choices on careful research.
Easy Investment Process
You can put money in online or at a branch, whichever you find easier.
Tax Benefits
Funds such as SBI Long Term Equity Fund, an ELSS option, let you claim relief under Section 80C.
Transparency and Regulation
Every plan is overseen by SEBI, so rules are clear and the process aims to be fair.
Types of SBI Mutual Fund Schemes
1. Equity Mutual Funds
These plans mainly buy stock. They work best if you can stay invested for years.
Popular Equity Funds:
. SBI Bluechip Fund
. SBI Small Cap Fund
. SBI Equity Hybrid Fund
2. Debt Mutual Funds
Here the money goes into bonds, T-bills, and similar notes. Good choice for cautious savers.
Popular Debt Funds:
. SBI Magnum Gilt Fund
. SBI Short Term Debt Fund
3. Hybrid Mutual Funds
These funds split money between stocks and bonds, aiming to soften risk while still growing returns.
Popular Hybrid Funds
– SBI Equity Hybrid Fund
– SBI Multi Asset Allocation Fund
4. ELSS (Tax-Saving Funds)
Equity Linked Saving Schemes lock your money for three years and let you save on taxes.
Top ELSS Fund
– SBI Long Term Equity Fund (Tax Saving)
5. Solution-Oriented Funds
These are made for special goals like retirement or paying for your childs education.
– SBI Retirement Benefit Fund
– SBI Childrens Benefit Fund
Why Choose SIP in SBI Mutual Fund?
SIP, or Systematic Investment Plan, is an easy way to put money into mutual funds without stress. With SBI, you can start an SIP for as little as 500 a month.
Benefits of SIP
• Keeps you on a saving schedule
• Smoothes out market highs and lows
• Lets earnings grow on earnings
• Cheap to start and easy for beginners
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Top SBI Mutual Funds to Watch in 2025
Here are a few SBI Mutual Funds that have stood out until June 2025:
1.SBI Contra Fund (Equity-Contra)
AUM: ₹41,600 cr
5-yr CAGR: ~29.4%
10-yr CAGR: ~14.8%
This equity fund aims for hidden value-it buys beaten-down stocks and, over time, has rewarded investors with solid growth.
2.SBI Small Cap Fund (Equity – Small‑cap)
AUM: ~₹33,000-30,000 Cr
5-Yr SIP CAGR: ~27%
7-Yr CAGR: ~21.9% (Top among 171 equity MFs)
Solid small-cap pick that keeps delivering big growth year after year.
3.SBI Healthcare Opportunities Fund (Equity – Pharma & Healthcare)
AUM: ~₹3,520 Cr
5-Yr CAGR: ~29-30%
10-Yr CAGR: ~13-14%
Theme-driven fund that puts your money in medicines and hospitals.
4.SBI Infrastructure Fund (Equity – Infrastructure)
AUM: ~₹4,867-4,999 Cr
5-Yr SIP CAGR: ~29%
10-Yr CAGR: ~14.2-15%
Value play that rides the wave of roads, railways, and airports.
6.SBI Magnum Midcap Fund (Equity – Mid‑cap)
AUM: ~₹21,200 Cr
5-Yr CAGR: ~27%
10-Yr CAGR: ~14.9%
Well-rounded mid-cap fund with steady returns over the long haul.
7.SBI Large & Midcap Fund (Equity – Large & Mid)
AUM: ~₹28,600 Cr
5-Yr CAGR: ~20%
10-Yr CAGR: ~13.7%
Smart mix of big and medium companies, good fit for 3-5 year goals.
Why These Funds Stand Out
Leadership positions: Big assets, seasoned managers, and niche know-how.
Consistent returns: Several schemes have chalked up over 20% CAGR for 5 years plus.
Thematic diversity: Youll find small-cap, sector, hybrid, and large-cap ideas under one roof.
✅ Where to Use Each Fund
📈 Core Equity: SBI Contra, SBI Large & Mid, SBI Flexicap
🚀 High-Growth: SBI Small Cap, SBI Magnum Midcap
🏥 Focused Themes: SBI Healthcare, SBI Infrastructure, SBI PSU
🛡️ Large-Cap Safety: SBI BlueChip
⚠️ Key Points to Keep in Mind
Just because a fund did well yesterday, dont expect the same tomorrow. Know your comfort with risk, how long you can lock money up, and pick funds that fit your dreams.
Watch out for high fees, the latest tax rules, and whether the fund house keeps its promises.
You might swap ideas and mix one small-or-mid cap fund, a theme, and a big-cap pick for better balance.
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