Should I invest in SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR?

We don't give personal investment advice. SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 27.1%. 5-year CAGR: 12.57%.

SBI

SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH

Latest NAV

₹286.2833

As of

17 Jul 2026

3,340 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.34%	-0.07%	+0.40	41 / 175	Q1
1W	-0.21%	-0.23%	+0.03	93 / 175	Q3
2W	-1.19%	-0.28%	-0.90	169 / 176	Q4
1M	+0.71%	+1.47%	-0.76	134 / 176	Q4
3M	-1.27%	+4.83%	-6.10	157 / 176	Q4
6M	-3.35%	+4.22%	-7.57	150 / 168	Q4
YTD	-6.31%	+2.36%	-8.67	154 / 165	Q4
1Y	-9.23%	+4.18%	-13.42	150 / 155	Q4
2Y	-5.56%	+2.32%	-7.88	102 / 111	Q4
3Y	+6.96%	+13.55%	-6.59	70 / 74	Q4
4Y	+11.27%	+14.92%	-3.65	47 / 55	Q4
5Y	+12.57%	+10.53%	+2.04	24 / 46	Q3
7Y	+15.27%	+16.29%	-1.02	20 / 32	Q3
10Y	+13.08%	+13.68%	-0.60	17 / 23	Q3
Inception	+13.70%	+9.09%	+4.60	58 / 176	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-6.31%	+2.99%	-9.30	154 / 164
2025	-7.16%	+1.66%	-8.82	119 / 133
2024	+22.85%	+21.92%	+0.93	35 / 82
2023	+29.85%	+31.01%	-1.17	30 / 59
2022	+13.86%	+2.36%	+11.50	11 / 52
2021	+33.32%	+31.79%	+1.53	16 / 42
2020	+13.64%	+20.01%	-6.37	17 / 34
2019	+0.43%	+8.53%	-8.10	22 / 28
2018	-2.03%	-6.81%	+4.78	11 / 23
2017	+53.10%	+37.67%	+15.43	4 / 23
2016	+2.33%	+8.37%	-6.05	17 / 23

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+16.51%

153 windows

min -24.7% · max 72.4%

78% positive

3-Year rolling

+16.27%

129 windows

min -3.7% · max 35.8%

96% positive

5-Year rolling

+15.84%

105 windows

min 3.5% · max 29.7%

100% positive

7-Year rolling

+14.61%

80 windows

min 6.6% · max 20.0%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

14.51%

3-year · annualised

Sharpe ratio

0.09

vs risk-free 6.5%

Sortino ratio

0.14

Downside-only deviation

Max drawdown

-27.06%

Sep 2024 → Mar 2026

% positive months

58.3%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC INNOVATION FUND - REGULAR PLAN - GROWTH OPTION	HDFC	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund - Regular Plan- Growth Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Growth	SBI	₹12.2936	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - Growth	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - Growth	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - Growth Option - Regular Plan	Quant	₹21.0071	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - REGULAR PLAN - GROWTH OPTION	Quantum	₹23.1700	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹64.3300	17 Jul 2026
Motilal Oswal Active Momentum Fund- Regular- Growth	Motilal Oswal	₹13.5060	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular Growth	Mirae Asset	₹21.9450	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹286.2833
16 Jul 2026	₹285.3195
15 Jul 2026	₹285.8931
14 Jul 2026	₹284.2127
13 Jul 2026	₹286.2469
10 Jul 2026	₹286.8778
9 Jul 2026	₹286.2760
8 Jul 2026	₹284.3070
7 Jul 2026	₹290.6039
6 Jul 2026	₹291.4304

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH is ₹286.2833. It's a Sectoral/Thematic Fund from SBI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH has NAV history starting from 02 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH is managed by SBI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH has delivered a absolute return of -9.23% — -13.42 pp behind the Sectoral/Thematic Fund category average of 4.18%. The fund ranks #150 of 155 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH has delivered a CAGR of 6.96% — -6.59 pp behind the Sectoral/Thematic Fund category average of 13.55%. The fund ranks #70 of 74 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH has delivered a CAGR of 12.57% — +2.04 pp ahead of the Sectoral/Thematic Fund category average of 10.53%. The fund ranks #24 of 46 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH exactly 10 years ago would be worth approximately ₹341,934 today — a multiplier of 3.42×, based on the 10-year CAGR of 13.08%. The category average over the same window would have grown ₹1 lakh to ₹360,408.

A ₹10,000 monthly SIP in SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹717,357 today. That's an XIRR (money-weighted annualised return) of 7.08%.

A ₹10,000 monthly SIP for 10 years in SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH = ₹1,200,000 invested. It would currently be worth ₹2,332,041 (multiplier 1.94×). XIRR: 12.75%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH ranks #24 out of 46 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 10.53%; this fund delivered 12.57%.

The worst peak-to-trough decline SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH has experienced over the last 5-year window is 27.06% — its NAV fell from a high on 26 Sep 2024 to a low on 23 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH averaged 15.84% (best 29.72%, worst 3.46%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.43 — weak risk-adjusted performance.

In calendar year 2025, SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH returned -7.16% — lagging the Sectoral/Thematic Fund category average of 1.66% by 8.82 pp. It ranked #119 of 133 in its category that year.

SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. SBI CONSUMPTION OPPORTUNITIES FUND - REGULAR - GROWTH is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 27.1%. 5-year CAGR: 12.57%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.