Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 56/100 · Average
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)8.17%
- Expense ratio (20%)1.49%
- AUM (15%)₹5,558 Cr
Not investment advice — an analytical read of public fund data. Methodology →
SBI Mutual Fund · Hybrid · Equity Savings
₹27.42
AUM: ₹5,557 Cr
NAV updated 26 days ago
Plan
Regular
Option
Idcw
Risk
High
Expense Ratio
1.49%
Exit Load
Exit load of 0.10% if redeemed within 15 days.
Fund Manager
Ruchit Mehta, Neeraj Kumar
Inception
May 2015
Benchmark
NIFTY Equity Savings Total Return Index
Sharpe Ratio
-0.55
Std Dev (1Y)
0.5%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.12%
3m
+1.87%
6m
+1.77%
1y
+4.21%
3y
+8.17%
5y
+8.3%
10y
+9.06%
since inception
+2.77%
TopFund's Take on SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) sits in the middle of the pack for Equity Savings funds, currently carrying a 3-star rating. It has delivered steady, if unspectacular, returns over a full market cycle. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 56/100.
Cost: At 1.49%, the expense ratio runs 22% above the Equity Savings category average of 1.22%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.55 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 0.5% is on the lower side for a Equity Savings fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Hybrid fund. The High risk rating means near-term volatility should be expected — this isn't a fund to check daily.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
Similar Funds
Edelweiss Emerging Markets Opportunities Equity Offshore Fund - Direct Plan - Growth Option
Edelweiss Mutual Fund
HSBC Equity Savings Fund - Direct Growth
HSBC Mutual Fund
Edelweiss Equity Savings Fund - Direct Plan - Growth Option
Edelweiss Mutual Fund
Kotak Savings Fund -Growth
Kotak Mahindra Mutual Fund
Kotak Equity Savings Fund - Direct - Monthly Payout of Income Distribution cum capital withdrawal option
Kotak Mahindra Mutual Fund
UTI Equity Savings Fund - Direct Plan - Growth Option
UTI Mutual Fund
Tools & Guides for This Fund
Frequently Asked Questions about SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹27.42. NAV is updated every business day after market close by AMFI.
1Y: 4.21% · 3Y CAGR: 8.17% · 5Y CAGR: 8.3%
The expense ratio of SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is 1.49% per annum. This is the annual fee charged by the fund to manage your investment.
SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Ruchit Mehta, Neeraj Kumar at SBI Mutual Fund.
SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is classified as a High risk fund. It is suitable for investors with a long-term horizon of 3+ years.
Yes, SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is an equity fund, making it suitable for SIP investments. Regular monthly SIPs help average out market volatility through rupee-cost averaging.
You can start a SIP in SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹5,558 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
Discussion
User-generated content — not investment advice, and not verified or endorsed by TopFund.
No comments yet — start the discussion.