Should I invest in SBI Equity Savings Fund?

We don't give personal investment advice. SBI Equity Savings Fund - Regular Plan - 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: 7.3%. 5-year CAGR: 8.18%.

SBI

SBI Equity Savings Fund - Regular Plan - Growth

Latest NAV

₹24.2934

As of

3 Jun 2026

2,718 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	-0.04%	+0.01%	-0.05	12 / 17	Q3
1W	-0.40%	-0.57%	+0.17	4 / 17	Q1
2W	-0.12%	-0.10%	-0.03	9 / 17	Q3
1M	-0.52%	-0.33%	-0.19	10 / 17	Q3
3M	-0.24%	+0.25%	-0.49	10 / 17	Q3
6M	-0.58%	-0.36%	-0.22	9 / 17	Q3
YTD	-0.52%	-0.55%	+0.03	7 / 17	Q2
1Y	+2.54%	+3.35%	-0.82	11 / 16	Q3
2Y	+5.36%	+5.32%	+0.04	8 / 14	Q3
3Y	+9.56%	+8.99%	+0.57	5 / 14	Q2
4Y	+9.37%	+8.75%	+0.62	4 / 12	Q2
5Y	+8.18%	+7.68%	+0.50	5 / 12	Q2
7Y	+9.05%	+8.38%	+0.67	4 / 12	Q2
10Y	+8.46%	+8.27%	+0.18	2 / 5	Q2
Inception	+8.44%	+7.88%	+0.56	6 / 17	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	-0.52%	-0.55%	+0.03	7 / 17
2025	+4.89%	+5.91%	-1.02	11 / 14
2024	+11.82%	+11.76%	+0.06	5 / 14
2023	+17.52%	+14.19%	+3.33	1 / 13
2022	+1.86%	+2.56%	-0.70	8 / 12
2021	+12.66%	+12.08%	+0.59	6 / 12
2020	+11.88%	+11.06%	+0.82	5 / 12
2019	+9.31%	+7.86%	+1.45	2 / 10
2018	-0.26%	+1.07%	-1.33	4 / 7
2017	+14.19%	+14.84%	-0.66	5 / 6
2016	+6.04%	+5.57%	+0.47	3 / 4

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

+9.14%

122 windows

min -11.3% · max 35.7%

93% positive

3-Year rolling

+8.99%

98 windows

min -0.2% · max 14.7%

99% positive

5-Year rolling

+9.27%

74 windows

min 5.1% · max 13.5%

100% positive

7-Year rolling

+8.96%

49 windows

min 7.2% · max 10.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

5.21%

3-year · annualised

Sharpe ratio

0.54

vs risk-free 6.5%

Sortino ratio

1.01

Downside-only deviation

Max drawdown

-6.50%

Dec 2024 → Mar 2025

% positive months

75.0%

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 Equity Savings Fund

Scheme	Fund house	NAV	As of
Invesco India Equity Savings Fund - Regular Plan - Growth	Invesco	₹16.2486	3 Jun 2026
quant Equity Savings Fund - Growth Option - Regular Plan	Quant	₹10.3257	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Regular Plan - Growth	Aditya Birla Sun Life	₹22.7900	3 Jun 2026
Mirae Asset Equity Savings Fund- Regular Plan- Growth	Mirae Asset	₹20.6870	3 Jun 2026
Kotak Equity Savings Fund - Regular - Growth	Kotak	₹26.8722	3 Jun 2026
Edelweiss Equity Savings Fund - Regular Plan - Growth Option	Edelweiss	₹26.3259	3 Jun 2026
DSP Equity Savings Fund - Regular Plan - Growth	DSP	₹21.9000	3 Jun 2026
HSBC Equity Savings Fund - Regular Growth	HSBC	₹35.9580	3 Jun 2026
Baroda BNP Paribas Equity Savings Fund - Regular Plan - Growth	Baroda BNP Paribas	₹16.8998	3 Jun 2026
UTI Equity Savings Fund - Regular Plan - Growth Option	UTI	₹18.5504	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹24.2934
2 Jun 2026	₹24.2951
1 Jun 2026	₹24.3048
31 May 2026	₹24.2842
29 May 2026	₹24.2836
27 May 2026	₹24.3652
26 May 2026	₹24.3926
25 May 2026	₹24.3997
22 May 2026	₹24.3295
21 May 2026	₹24.3320

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 03 Jun 2026, the NAV of SBI Equity Savings Fund - Regular Plan - Growth is ₹24.2934. It's a Equity Savings Fund from SBI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Equity Savings Fund - Regular Plan - Growth has NAV history starting from 03 Jun 2015, a track record of about 11 years. 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 Equity Savings Fund - Regular Plan - Growth is managed by SBI. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Equity Savings Fund - Regular Plan - Growth has delivered a absolute return of 2.54% — -0.82 pp behind the Equity Savings Fund category average of 3.35%. The fund ranks #11 of 16 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Equity Savings Fund - Regular Plan - Growth has delivered a CAGR of 9.56% — +0.57 pp ahead of the Equity Savings Fund category average of 8.99%. The fund ranks #5 of 14 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Equity Savings Fund - Regular Plan - Growth has delivered a CAGR of 8.18% — +0.5 pp ahead of the Equity Savings Fund category average of 7.68%. The fund ranks #5 of 12 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Equity Savings Fund - Regular Plan - Growth exactly 10 years ago would be worth approximately ₹225,235 today — a multiplier of 2.25×, based on the 10-year CAGR of 8.46%. The category average over the same window would have grown ₹1 lakh to ₹221,441.

A ₹10,000 monthly SIP in SBI Equity Savings Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹730,376 today. That's an XIRR (money-weighted annualised return) of 7.79%.

A ₹10,000 monthly SIP for 10 years in SBI Equity Savings Fund - Regular Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,883,468 (multiplier 1.57×). XIRR: 8.72%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Equity Savings Fund - Regular Plan - Growth ranks #5 out of 12 funds in the Equity Savings Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 7.68%; this fund delivered 8.18%.

The worst peak-to-trough decline SBI Equity Savings Fund - Regular Plan - Growth has experienced over the last 5-year window is 7.29% — its NAV fell from a high on 17 Jan 2022 to a low on 20 Jun 2022. 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 Equity Savings Fund - Regular Plan - Growth averaged 9.27% (best 13.54%, worst 5.08%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.30 — weak risk-adjusted performance.

In calendar year 2025, SBI Equity Savings Fund - Regular Plan - Growth returned 4.89% — lagging the Equity Savings Fund category average of 5.91% by 1.02 pp. It ranked #11 of 14 in its category that year.

SBI Equity Savings Fund - Regular Plan - 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 Equity Savings Fund - Regular Plan - 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: 7.3%. 5-year CAGR: 8.18%.

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