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List of SBI Mutual Funds India 2023

Watch Now
SBI Mutual Fund AMC was incorporated on 07, Feb 1992, and has an AUM size of Rs. 7,13,542 Cr as on 31, Dec 2022. SBI Mutual Fund has total of 756 schemes. Schemes managed by AMC :
Decizen:- Q: Quality, P: Performance, E: Expenses
Compare Funds

Fund Name
Category

Expense Ratio

NAV (Rs.)
AUM (Cr.)
Returns Since
inception (%)
Returns
Mutual Fund DeciZen

Past

Avg Rolling
Q
P
E
SBI Nifty Smallcap 250 Index Fund
Index Funds - Other 1.00 9.47 164
-10.7
03 Oct' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Nifty Midcap 150 Index Fund
Index Funds - Other 1.00 9.65 128
-7.2
03 Oct' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Multicap Fund
Equity - Multi Cap Fund 1.89 9.93 11,705
-0.7
08 Mar' 22
-2.93
0
0
0
-3.50
0.00
0.00
0.00
Q
P
E
SBI Dividend Yield Fund
Equity - Dividend Yield Fund 0.00 9.96 0
-10.6
14 Mar' 23
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 79 (1130 Days)
Fixed Maturity Plans 0.00 10.07 0
21.6
14 Mar' 23
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 77 (366 Days)
Fixed Maturity Plans 0.00 10.08 253
7.4
14 Feb' 23
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 78 (1170 Days)
Fixed Maturity Plans 0.00 10.09 107
10.1
21 Feb' 23
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 76 (1221 Days)
Fixed Maturity Plans 0.00 10.12 141
7.3
24 Jan' 23
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 74 (1243 Days)
Fixed Maturity Plans 0.00 10.13 134
5.8
03 Jan' 23
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 75 (366 Days)
Fixed Maturity Plans 0.00 10.14 305
6.9
10 Jan' 23
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 73 (1226 Days)
Fixed Maturity Plans 0.00 10.17 171
5.8
08 Dec' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Nifty Next 50 Index Fund
Index Funds - Nifty Next 50 0.84 10.17 423
0.9
19 May' 21
-7.88
0
0
0
-0.39
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 72 (1239 Days)
Fixed Maturity Plans 0.00 10.19 285
5.7
22 Nov' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Long Duration Fund
Debt - Long Duration Fund 0.67 10.23 294
9
21 Dec' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 71 (364 Days)
Fixed Maturity Plans 0.00 10.24 896
6.9
17 Nov' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 69 (367 Days)
Fixed Maturity Plans 0.00 10.28 695
7.2
01 Nov' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 64 (1169 Days)
Fixed Maturity Plans 0.00 10.30 343
5.3
30 Aug' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI CRISIL IBX SDL Index - September 2027 Fund
Debt - Gilt Fund 0.43 10.31 833
6.6
04 Oct' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 63 (372 Days)
Fixed Maturity Plans 0.00 10.31 1,564
5.3
23 Aug' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 65 (367 Days)
Fixed Maturity Plans 0.00 10.31 852
5.7
06 Sep' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 60 (1878 Days)
Fixed Maturity Plans 0.00 10.33 208
3
15 Feb' 22
3.09
0
0
0
2.44
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 68 (1302 Days)
Fixed Maturity Plans 0.00 10.35 164
7
22 Sep' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 57 (1835 Days)
Fixed Maturity Plans 0.00 10.35 216
2.7
13 Dec' 21
3.19
0
0
0
2.42
0.00
0.00
0.00
Q
P
E
SBI CPSE Bond Plus SDL Sep 2026 50:50 Index Fund
Debt - Corporate Bond Fund 0.40 10.35 9,195
3
19 Jan' 22
2.68
0
0
0
2.18
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 61 (1927 Days)
Fixed Maturity Plans 0.00 10.37 282
3.7
22 Mar' 22
3.7
0
0
0
2.78
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 56 (1232 Days)
Fixed Maturity Plans 0.00 10.37 246
2.9
16 Dec' 21
3.18
0
0
0
2.57
0.00
0.00
0.00
Q
P
E
SBI CRISIL IBX Gilt Index - April 2029 Fund
Debt - Gilt Fund 0.45 10.39 653
8.4
04 Oct' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days)
Fixed Maturity Plans 0.00 10.40 24
3.5
31 Jan' 22
2.26
0
0
0
2.18
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 67 (1467 Days)
Fixed Maturity Plans 0.00 10.41 495
6.3
29 Jul' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 55 (1849 Days)
Fixed Maturity Plans 0.00 10.42 214
3.1
23 Nov' 21
3.48
0
0
0
2.57
0.00
0.00
0.00
Q
P
E
SBI CRISIL IBX Gilt Index - June 2036 Fund
Debt - Gilt Fund 0.54 10.42 507
9
04 Oct' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 58 (1842 Days)
Fixed Maturity Plans 0.00 10.43 211
3.5
05 Jan' 22
3.37
0
0
0
2.68
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 54 (1842 Days)
Fixed Maturity Plans 0.00 10.44 32
3.2
08 Nov' 21
3.57
0
0
0
2.54
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) - Series 66 (1361 Days)
Fixed Maturity Plans 0.00 10.45 577
6.6
19 Jul' 22
0
0
0
0
0.00
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 52 (1848 Days)
Fixed Maturity Plans 0.00 10.46 116
3.1
28 Sep' 21
3.36
0
0
0
2.27
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 53 (1839 Days)
Fixed Maturity Plans 0.00 10.46 260
3.2
25 Oct' 21
3.36
0
0
0
2.38
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 51 (1846 Days)
Fixed Maturity Plans 0.00 10.47 252
3.1
16 Sep' 21
3.15
0
0
0
1.99
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 50 (1843 Days)
Fixed Maturity Plans 0.00 10.49 103
3.1
07 Sep' 21
2.94
0
0
0
1.80
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 49 (1823 Days)
Fixed Maturity Plans 0.00 10.59 330
3.7
24 Aug' 21
3.52
0
0
0
2.41
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 48 (1458 Days)
Fixed Maturity Plans 0.00 10.61 40
3.7
04 Aug' 21
3.21
0
0
0
2.18
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 47 (1434 Days)
Fixed Maturity Plans 0.00 10.64 123
3.8
23 Jul' 21
3.1
0
0
0
1.98
0.00
0.00
0.00
Q
P
E
SBI International Access - US Equity FoF
FoFs (Overseas) 1.66 10.74 820
3.6
22 Mar' 21
-10.57
0
0
0
-4.23
0.00
0.00
0.00
Q
P
E
SBI Balanced Advantage Fund
Hybrid - Balanced Advantage 1.64 10.74 21,859
4.7
31 Aug' 21
5.09
0
0
0
5.08
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 45 (1840 Days)
Fixed Maturity Plans 0.00 10.75 191
4.2
17 Jun' 21
3.46
0
0
0
2.39
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 44 (1855 Days)
Fixed Maturity Plans 0.00 10.75 325
4.1
02 Jun' 21
3.27
0
0
0
2.22
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 46 (1850 Days)
Fixed Maturity Plans 0.00 10.75 112
4.3
07 Jul' 21
3.37
0
0
0
2.34
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 43 (1616 Days)
Fixed Maturity Plans 0.00 10.84 101
4.3
29 Apr' 21
3.14
0
0
0
2.23
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 41 (1498 Days)
Fixed Maturity Plans 0.00 10.87 785
4.3
25 Mar' 21
2.84
0
0
0
2.35
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 42 (1857 Days)
Fixed Maturity Plans 0.00 10.91 405
4.5
30 Mar' 21
3.22
0
0
0
2.66
0.00
0.00
0.00
Q
P
E
SBI Floating Rate Debt Fund
Debt - Floater Fund 0.46 11.12 1,604
4.5
27 Oct' 20
4.81
0
0
0
3.92
0.00
0.00
0.00
Q
P
E
SBI Retirement Benefit Fund - Conservative Plan
Solution Oriented - Retirement Fund 1.39 11.38 154
6.3
10 Feb' 21
5.27
0
0
0
5.09
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 34 (3682 Days)
Fixed Maturity Plans 0.00 11.42 23
4.7
05 May' 20
4.2
0
0
0
3.64
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 33 (1128 Days)
Fixed Maturity Plans 0.00 11.53 25
5
28 Apr' 20
4.53
0
0
0
4.18
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 32 (1140 Days)
Fixed Maturity Plans 0.00 11.67 40
5.4
17 Apr' 20
4.57
0
0
0
4.29
0.00
0.00
0.00
Q
P
E
SBI Retirement Benefit Fund - Conservative Hybrid Plan
Solution Oriented - Retirement Fund 1.69 11.82 211
8.2
10 Feb' 21
4.97
0
0
0
6.53
0.00
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 28 (1163 Days)
Fixed Maturity Plans 0.00 12.02 126
6.1
18 Feb' 20
4.8
7.15
0
0
5.02
6.15
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 31 (1160 Days)
Fixed Maturity Plans 0.00 12.09 249
6.5
16 Mar' 20
4.68
6.78
0
0
4.71
5.97
0.00
0.00
Q
P
E
SBI Capital Protection Oriented Fund - Series A - Pl...
Capital Protection 0.00 12.16 45
6.5
11 Feb' 20
3.14
8.58
0
0
6.92
7.10
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan (FMP) Series 27 (1203 Days)
Fixed Maturity Plans 0.00 12.22 148
6.4
09 Jan' 20
4.71
7.2
0
0
5.24
6.23
0.00
0.00
Q
P
E
SBI Capital Protection Oriented Fund - Series A - Pl...
Capital Protection 0.00 12.41 28
7.4
24 Mar' 20
3.24
7.46
0
0
6.74
7.39
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan - Series 14 - 1102 Days
Fixed Maturity Plans 0.00 12.60 22
6.5
30 Jul' 19
5
6.81
0
0
6.00
6.09
0.00
0.00
Q
P
E
SBI Capital Protection Oriented Fund - Series A - Pl...
Capital Protection 0.00 12.63 57
6.9
04 Oct' 19
3.36
9.54
0
0
7.54
7.21
0.00
0.00
Q
P
E
SBI Capital Protection Oriented Fund - Series A - Pl...
Capital Protection 0.00 12.80 143
7.2
13 Sep' 19
3.23
9.72
0
0
7.69
7.38
0.00
0.00
Q
P
E
SBI Retirement Benefit Fund - Aggressive Hybrid Plan
Solution Oriented - Retirement Fund 2.34 12.97 872
13
10 Feb' 21
4.43
0
0
0
11.19
0.00
0.00
0.00
Q
P
E
SBI Capital Protection Oriented Fund - Series A - Pl...
Capital Protection 0.00 13.00 194
7.2
25 Jun' 19
3.17
9.18
0
0
7.69
7.45
0.00
0.00
Q
P
E
SBI Corporate Bond Fund
Debt - Corporate Bond Fund 0.79 13.04 16,552
6.6
01 Feb' 19
3.82
6.19
0
0
6.04
5.98
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 50 (1177 Days)
Fixed Maturity Plans 0.00 13.05 64
6.9
28 Mar' 19
5.41
6.61
0
0
6.54
6.49
0.00
0.00
Q
P
E
SBI Capital Protection Oriented Fund - Series A - Pl...
Capital Protection 0.00 13.06 128
7.2
23 May' 19
3.24
9.05
0
0
7.55
7.38
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 49 (1178 Days)
Fixed Maturity Plans 0.00 13.11 45
7
20 Mar' 19
5.47
6.77
0
0
6.58
6.54
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 46 (1178 Days)
Fixed Maturity Plans 0.00 13.14 52
7
06 Mar' 19
5.37
6.56
0
0
6.38
6.33
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 48 (1177 Days)
Fixed Maturity Plans 0.00 13.17 106
7.1
14 Mar' 19
5.36
6.97
0
0
6.71
6.67
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan - Series 6 - 3668 Days
Fixed Maturity Plans 0.00 13.20 29
7.5
16 May' 19
4.1
6.07
0
0
5.95
5.94
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 38 (1224 Days)
Fixed Maturity Plans 0.00 13.25 67
7
23 Jan' 19
5.41
6.43
0
0
6.50
6.40
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 44 (1175 Days)
Fixed Maturity Plans 0.00 13.28 45
7.2
21 Feb' 19
5.31
6.94
0
0
6.80
6.73
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 43 (1176 Days)
Fixed Maturity Plans 0.00 13.28 80
7.1
14 Feb' 19
5.31
6.77
0
0
6.64
6.57
0.00
0.00
Q
P
E
SBI Retirement Benefit Fund - Aggressive Plan
Solution Oriented - Retirement Fund 2.28 13.35 1,229
14.6
10 Feb' 21
5.12
0
0
0
12.62
0.00
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 35 (1235 Days)
Fixed Maturity Plans 0.00 13.38 53
7.2
08 Jan' 19
5.44
6.81
0
0
6.72
6.63
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 32 (1223 Days)
Fixed Maturity Plans 0.00 13.42 26
7.1
13 Dec' 18
4.76
6.63
0
0
6.75
6.69
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 30 (1228 Days)
Fixed Maturity Plans 0.00 13.49 22
7.2
03 Dec' 18
4.49
6.59
0
0
6.71
6.66
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 28 (1240 Days)
Fixed Maturity Plans 0.00 13.49 28
7.1
19 Nov' 18
4.74
6.37
0
0
6.62
6.50
0.00
0.00
Q
P
E
SBI Fixed Maturity Plan - Series 1 - 3668 Days
Fixed Maturity Plans 0.00 13.53 40
7.9
28 Mar' 19
4.4
6.38
0
0
6.68
6.63
0.00
0.00
Q
P
E
SBI Debt Fund Series C - 27 (1260 Days)
Fixed Maturity Plans 0.00 13.65 37
7.3
25 Oct' 18
4.6
6.5
0
0
6.89
6.81
0.00
0.00
Q
P
E
SBI Unclaimed Dividend & Redemption Scheme - Growth
Debt - Liquid Fund 0.00 14.32 0
4.7
22 Jun' 15
0
0
0
0
4.58
4.57
4.55
0.00
Q
P
E
SBI PSU Fund
Equity - Thematic Fund - Other 2.49 14.67 505
3.1
07 Jul' 10
11.56
28.34
6.14
7.92
8.39
3.30
3.17
3.39
Q
P
E
SBI Long Term Advantage Fund - Series V
Equity - ELSS 0.00 15.78 278
9.6
27 Mar' 18
-3.55
29.06
0
0
15.55
16.89
9.55
0.00
Q
P
E
SBI Equity Minimum Variance Fund
Equity - Thematic Fund - Other 0.84 15.88 134
12.2
19 Mar' 19
3.99
29.63
0
0
18.33
17.73
0.00
0.00
Q
P
E
SBI Equity Savings Fund
Hybrid - Equity Savings 1.19 17.49 2,264
7.4
27 May' 15
1.39
15.74
7.21
0
8.33
7.67
7.74
0.00
Q
P
E
SBI Long Term Advantage Fund - Series VI
Equity - ELSS 0.00 17.69 222
12.9
17 Jul' 18
3.27
32.82
0
0
18.31
19.55
0.00
0.00
Q
P
E
SBI Gold Fund
FoFs (Domestic / Overseas ) - Gold 0.42 17.99 1,266
5.2
12 Sep' 11
14.22
9.67
12.85
6.77
5.12
5.30
5.15
4.65
Q
P
E
SBI Magnum Children s Benefit Fund - Investment Plan
Solution Oriented - Children's Fund 2.47 23.52 757
41
29 Sep' 20
2.04
0
0
0
43.01
0.00
0.00
0.00
Q
P
E
SBI Banking & Financial Services Fund
Equity - Sectoral Fund - Banks & Financial Services 2.00 24.10 3,748
11.5
26 Feb' 15
4.1
26.95
11.03
0
16.40
13.97
13.61
0.00
Q
P
E
SBI Long Term Advantage Fund - Series I
Equity - ELSS 2.70 25.39 36
12.2
11 Feb' 15
-0.67
41.67
13.74
0
16.56
12.79
11.98
0.00
Q
P
E
SBI Long Term Advantage Fund - Series III
Equity - ELSS 0.00 26.14 57
14.7
31 Mar' 16
-0.49
41.08
14.94
0
18.24
14.85
15.61
0.00
Q
P
E
SBI Long Term Advantage Fund - Series II
Equity - ELSS 2.70 26.55 30
13
01 Apr' 15
-1.26
40.37
14.3
0
18.26
14.08
13.73
0.00
Q
P
E
SBI Short Term Debt Fund
Debt - Short Duration Fund 0.85 27.07 13,290
6.6
26 Jul' 07
4.12
5.86
6.28
7.17
7.47
8.00
7.88
7.85
Q
P
E
SBI Infrastructure Fund
Equity - Sectoral Fund - Infrastructure 2.33 27.20 928
6.6
06 Jul' 07
10.66
38.76
12.55
15.77
15.31
9.66
8.01
8.10
Q
P
E
SBI Arbitrage Opportunities Fund
Hybrid - Arbitrage Fund 0.82 28.73 8,801
6.6
03 Nov' 06
5.39
4.18
4.86
5.74
6.17
6.64
6.83
6.97
Q
P
E
SBI Long Term Advantage Fund - Series IV
Equity - ELSS 0.00 29.44 164
19.8
31 Mar' 17
-0.3
42.71
18.8
0
24.24
23.35
20.65
0.00
Q
P
E
SBI Dynamic Bond Fund
Debt - Dynamic Bond 1.64 29.89 2,408
5.9
13 Jan' 04
5.36
5.42
7.15
7.9
7.71
8.42
8.26
7.20
Q
P
E
SBI Savings Fund
Debt - Money Market Fund 0.76 35.33 19,441
7
14 Jul' 04
4.96
4.88
5.6
6.59
7.02
7.58
7.76
7.84
Q
P
E
*Based on the Fund’s Ranking within its Category
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FAQ's
SIP refers to periodic investment in an MF. In this option, you commit to invest a pre-decided amount, at regular intervals, and you get allotted Units based on an MF’s NAV. E.g. Suppose you do an SIP of Rs. 1,000. If, for the 1st month its NAV is Rs. 15, you get 66.67 units. For the 2nd, the NAV is Rs. 25, so you get 40 units. For the 3rd, the NAV is Rs. 20, you get 50 units. At the end of 3 months, you have invested Rs. 3,000 and received 156.67 units at an average NAV of Rs. 19.2.
A Direct Plan means you investing directly thru' an AMC/MF website. As there is no Distributor involved, returns generated by this plan will be higher by the percentage fees paid to a Distributor. We, at MoneyWorks4me, encourage investors to invest in Direct Plans.
Regular Plan is when you invest in an MF scheme through a Distributor or Broker. This means you will end up paying some fees to the Distributor. The fees are directly paid by the AMC to a Distributor. For you as an investor, it is reflected in the lower NAV values, and higher Expense Ratio than a Direct Plan
It is the Fund House or the company responsible for managing investors’ money, and in turn, all the MF schemes.
The money collected by an MF Scheme is invested across asset classes like stocks, debt Funds, gold and cash. The market value of these investments at any given time minus the MF’s liabilities is known as the Fund’s AUM. (E.g. If a Fund’s value of investments is Rs. 100 Cr and liabilities Rs 5 Cr., then AUM is Rs. 95 Cr.) Though, a large AUM denotes a Fund’s popularity and success, it also means restrictions on investing (Fund will have to invest mainly in large companies) and difficulty in replicating past high return performance.
It is the price per unit of the MF scheme. On any given day, NAV is the price at which any investor invests in an MF scheme. NAV = [the market value of all the securities held by the scheme minus its liabilities] ÷ the number of units. Since, market value of securities changes every day, NAV of a scheme also changes every day. Similar to a stock price, a high or low NAV does not affect our investment decision.
A Benchmark is a popular index like the SENSEX, NIFTY or BSE 100, against which a Fund’s performance is gauged. A Fund is supposed to choose a Benchmark based upon the market-section it invests in. E.g. a Mid-Cap Fund may use NSE Midcap Index as its Benchmark. It makes sense to invest in an MF, only if it has consistently beaten its Benchmark performance over a 3-5 year period.
The Expense Ratio is the fee charged by a Mutual Fund for managing its investors’ money. It is shown as a percentage of the Assets Under Management (AUM). E.g. if you invest Rs. 10,000 in a Fund with an Expense Ratio of 1.5%, then you are paying the Fund Rs. 150 to manage your money. As a general rule, you are told to avoid Funds with high Expense Ratio. However, it can also turn to be a good investment, if it consistently generates excess returns (Alpha) over its Expense Ratio.
Load is the fees charged for buying (i.e. Entry load) and selling (i.e. Exit load) MF units. SEBI has scrapped the Entry load wef August 1, 2009. Some Funds may charge Investors an Exit load only on early exit (e.g. within a year of investment) to encourage long-term investment behaviour.
Rolling Returns consider performance on every day or week (or any specified frequency) of a defined period, and hence, tell you how you would have fared regardless of when you chose to invest. E.g. A monthly five-year Rolling Return is return from 1-Jan-2013 to 1-Jan-2018, 1-Feb-2013 to 1Feb-2018, subsequently for all months. For 3-yr or 2-yr rolling, the year changes respectively. We advise our users to look at Rolling Alpha, because it allows you to evaluate the consistency of a Fund’s performance over time - including the ups and downs of market cycles.
Choosing growth option means you will not receive extra units for Dividend declared by the Fund. Instead, the amount will stay invested in the Fund, thereby compounding your returns. Choose this option, if you prefer capital appreciation over regular income from your investment.
An Open-ended Fund or Scheme is one that is available for subscription and re-purchase on a continuous basis. These schemes do not have a fixed maturity period. Investors can conveniently buy and sell units at Net Asset Value (NAV) related prices which are declared on a daily basis. The key feature of open-end schemes is liquidity. The opposite is closed ended where the fund cannot be sold very easily.
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