Introduction: Why SBI Mutual Fund is Trusted by Indian Investors
When it comes to mutual fund investments in India, trust plays a huge role. Among dozens of asset management companies, SBI Mutual Fund holds a special place in the hearts of lakhs of Indian investors. Backed by State Bank of India (SBI) – the country’s largest bank – SBI MF combines security with smart wealth creation opportunities.
If you are a first-time investor or someone looking to diversify your portfolio, SBI Mutual Fund offers schemes for every goal – retirement, tax saving, children’s education, wealth creation, or even exposure to global markets.
In this article, we will cover:
- Top SBI Mutual Fund schemes to invest in 2025
- How to check SBI Mutual Fund details online
- The returns of SBI Mutual Funds in 3 years
- How to use a mutual fund calculator to plan investments
- FAQs that every Indian investor asks
Let’s dive in.
What is a Mutual Fund? (Beginner-Friendly)
A mutual fund is a professionally managed pool of money collected from investors and invested in stocks, bonds, or other assets. For beginners, it’s like putting your money in a shared bucket where expert fund managers decide where to invest.
🔹 Benefits of investing in mutual funds:
- Diversification (reduced risk)
- Professional management
- Flexibility (SIP, lumpsum)
- Tax saving (ELSS under Section 80C)
- Transparency (NAV-based pricing)
👉 For detailed basics, you may also check SEBI’s Mutual Fund Investor Education Portal.
SBI Mutual Fund: Overview
Founded in 1987, SBI Mutual Fund is among the top AMCs (Asset Management Companies) in India. It is sponsored by the State Bank of India, which adds credibility and trust. With over ₹8 lakh crore AUM (Assets Under Management) as of 2025, SBI MF serves both retail and institutional investors.
Key Highlights of SBI Mutual Fund
- ✅ Backed by SBI, India’s largest bank
- ✅ Wide variety of funds: equity, debt, hybrid, ETF, international
- ✅ Investor-friendly services (YONO, WhatsApp SmartAssist, online portal)
- ✅ Regularly among top-performing funds in India
Popular SBI Mutual Fund Schemes (2025)
Below is a list of SBI Mutual Fund schemes across categories. Each has different goals and risk profiles.
Equity Funds (For Long-Term Wealth Creation)
- SBI Small Cap Fund
- SBI Contra Fund
- SBI Focused Fund
- SBI Dividend Yield Fund
- SBI Multicap Fund
- SBI Midcap Fund
- SBI Large & Midcap Fund
- SBI Banking and Financial Services Fund
- SBI Technology Opportunities Fund
- SBI ESG Exclusionary Strategy Fund
Index & ETF Funds (Low-Cost, Passive Investing)
- SBI Nifty Index Fund
- SBI Nifty Next 50 Index Fund
- SBI Nifty Midcap 150 Index Fund
- SBI Nifty Smallcap 250 Index Fund
- SBI Silver ETF
- SBI Nifty Consumption ETF
- SBI BSE Sensex Next 50 ETF
- SBI Nifty Private Bank ETF
Hybrid & Solution-Oriented Funds (Balanced Approach)
- SBI Equity Hybrid Fund
- SBI Magnum Children’s Benefit Fund – Investment Plan
- SBI Retirement Benefit Fund Aggressive Plan
- SBI Multi Asset Allocation Fund
International & Thematic Funds
- SBI US Specific Equity Active FoF
- SBI Healthcare Opportunities Fund
- SBI Consumption Opportunities Fund
- SBI Infrastructure Fund
👉 If you are confused about which fund to choose, always match it with your goal, time horizon, and risk appetite.
Which SBI Mutual Fund is Best in 2025?
Investors often ask: Which SBI mutual fund should I invest in?
Here are Top Rated SBI Funds (Direct Plan – Growth Option):
- SBI Small Cap Fund – Best for aggressive long-term wealth creation.
- SBI Long Term Equity Fund (ELSS Tax Saver) – Best for tax-saving under Section 80C.
- SBI Equity Hybrid Fund – Balanced risk-return option.
- SBI Large & Midcap Fund – For moderate risk investors.
- SBI Banking & Financial Services Fund – Thematic, high growth potential.
- SBI Multi Asset Allocation Fund – Diversified asset exposure.
- SBI Magnum Midcap Fund – Consistent midcap performer.
⚠️ Note: Past performance is not a guarantee of future returns. Always check the latest NAV and fact sheet.
SBI Mutual Fund 3-Year Returns (2022–2025)
Here’s how some SBI funds performed over the last 3 years:
| Fund Name | Category | 3-Year CAGR (Approx.) |
|---|---|---|
| SBI PSU Fund | Equity – PSU | 29.76% |
| SBI Long Term Equity Fund | ELSS | 23.80% |
| SBI Infrastructure Fund | Thematic | 22.71% |
| SBI Small Cap Fund | Equity | 27.50% |
| SBI Banking & Financial Services Fund | Thematic | 25.40% |
📌 Source: SBI Mutual Fund Fact Sheet (2025).
How to Check SBI Mutual Fund Details
Indian investors can easily track their SBI MF portfolio using these methods:
- YONO SBI App → Go to “Investments” → View Mutual Fund holdings.
- SBI Mutual Fund Website → Login with PAN & Folio number → Generate statements.
- WhatsApp SmartAssist → Send “Hi” to SBI MF WhatsApp number → Get instant details.
- CAMS/KFinTech Website → Enter registered email/folio → Get consolidated statements.
👉 Pro Tip: Always download account statements regularly to track performance and capital gains.
How to Use SBI Mutual Fund Calculator
A mutual fund calculator helps estimate how much wealth you can create through SIP or lump sum investments.
For example:
- If you invest ₹10,000 per month via SIP in an equity fund with 12% expected annual return, in 10 years you will have approx. ₹23 lakh corpus.
- Using a lump sum of ₹5 lakh at the same return rate over 10 years can grow to ₹15.5 lakh.
👉 You can try free tools like StockAdda Mutual Fund Calculator
Risks in SBI Mutual Funds
Every investment carries some risk. SBI funds too have risk depending on the category.
- Equity funds → High risk, high return (best for long-term).
- Debt funds → Low risk, stable returns (suitable for conservative investors).
- Hybrid funds → Moderate risk, balanced approach.
- Thematic funds → High risk, cyclical returns.
📌 Always match your risk appetite with the right fund type.
Conclusion
SBI Mutual Fund remains one of the most trusted investment choices for Indians in 2025. With a wide range of equity, debt, hybrid, and international schemes, it offers something for every investor – whether your goal is wealth creation, retirement planning, or tax saving.
Before investing, use a mutual fund calculator to plan SIP or lumpsum, and always track your portfolio through SBI’s online platforms. Remember: long-term discipline and goal-based investing are the true keys to wealth.
FAQs on SBI Mutual Fund
Q1. Which SBI mutual fund is best for beginners?
👉 The SBI Equity Hybrid Fund is a safe choice for first-time investors.
Q2. Can I save tax with SBI Mutual Fund?
👉 Yes, the SBI Long Term Equity Fund (ELSS) offers tax deduction under Section 80C.
Q3. How do I calculate my returns?
👉 Use the SBI mutual fund calculator for SIP/lumpsum projections.
Q4. What is the minimum SIP amount in SBI MF?
👉 Most funds allow SIP starting from just ₹500 per month.
Q5. Is SBI Mutual Fund safe?
👉 While no equity fund is risk-free, SBI MF is regulated by SEBI and backed by SBI, making it one of the most reliable AMCs in India.
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If you found this guide useful, share it with friends and family who are exploring SBI mutual funds. You can also check our Mutual Fund SIP Calculator (internal link) to plan your investments smartly.