SBI CONTRA FUND
SBI Mutual Fund · Contra · Regular plan, growth option
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -5.0% | -5.4% |
| 3 months | -4.2% | -3.9% |
| 6 months | 1.5% | 4.8% |
| Year to date | -10.3% | -7.7% |
| 1 year | -5.3% | -4.4% |
| 3 years (CAGR) | 8.5% | 11.5% |
| 5 years (CAGR) | 12.9% | 11.8% |
| 7 years (CAGR) | 20.0% | 15.7% |
| 10 years (CAGR) | 14.1% | 14.1% |
| Since first NAV (CAGR) | 12.4% | – |
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 11.7% | 11.7% |
| 3Y rolling median | 13.8% | 14.3% |
| 3Y rolling worst | -10.8% | -7.1% |
| 3Y periods positive | 91% | 97% |
| 3Y periods ahead of benchmark | 96% | 95% |
| 5Y rolling median | 13.6% | 14.1% |
| 5Y rolling worst | -5.1% | -0.4% |
| 5Y periods ahead of benchmark | 100% | 100% |
Benchmark: Nifty 500 (proxy: Motilal Oswal Nifty 500 Index Fund, price return).
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 14.3% | 16.0% |
| Sharpe ratio | 0.22 | 0.39 |
| Sortino ratio | 0.31 | 0.56 |
| Beta | 0.89 | 1.01 |
| Alpha (ann.) | 0.0% | 2.9% |
| Upside capture | 89.42 | 111.76 |
| Downside capture | 89.90 | 98.62 |
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −60.2% | −58.3% |
| Maximum drawdown, last 10Y | −45.5% | −38.0% |
| Maximum drawdown, last 5Y | −16.2% | −19.0% |
| Current drawdown | −11.9% | −9.7% |
| Recovery time of worst fall | 708 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
The Regular plan's expense ratio is 1.63% a year and the Direct plan's 0.88%, a gap of 0.75%; over the last 3 years the Direct plan returned 0.94 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹17,72,548.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
- 29 Sep 2026: TER increased from 1.62% to 1.63% (AMFI TER disclosure)
- 28 Sep 2026: TER increased from 1.61% to 1.62% (AMFI TER disclosure)
- 7 Sep 2026: TER increased from 1.60% to 1.61% (AMFI TER disclosure)
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | 1.63% | 2.03% |
| AUM, whole scheme (₹ crore) | 45,068 | 12,347 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | -3.9% | -2.3% TRI |
| Return, 3 years (AMFI) | 8.8% | 9.2% TRI |
| Return, 5 years (AMFI) | 13.1% | 8.9% TRI |
| 7Y rolling CAGR, median (monthly windows) | 13.3% | 14.3% median |
Official benchmark: BSE 500 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Contra Regular plans; how it is calculated.
| Year | Scheme | Nifty 500 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -10.3% | -7.8% | −2.6% |
| 2025 | 6.1% | 7.7% | −1.5% |
| 2024 | 18.8% | 15.6% | +3.2% |
| 2023 | 38.2% | 26.5% | +11.7% |
| 2022 | 12.8% | 3.8% | +9.0% |
| 2021 | 49.9% | 30.6% | +19.3% |
| 2020 | 30.6% | 17.2% | +13.4% |
| 2019 | -1.0% | n/a | – |
| 2018 | -14.3% | n/a | – |
| 2017 | 40.2% | n/a | – |
Benchmark proxy: Motilal Oswal Nifty 500 Index Fund (Direct plan NAV, price return), which carries its own costs. The first year starts from the first 31 December in the scheme's history.
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,12,941 | -10.7% |
| 3 years | ₹3,60,000 | ₹3,56,800 | -0.6% |
| 5 years | ₹6,00,000 | ₹7,50,133 | 8.9% |
| 10 years | ₹12,00,000 | ₹27,20,247 | 15.6% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| BAJAJ FINSERV LARGE CAP FUND | Large Cap | 0.98 | n/a |
| Baroda BNP Paribas Dividend Yield Fund | Dividend Yield | 0.98 | n/a |
| SBI ELSS Tax Saver Fund | ELSS | 0.97 | 11.1% |
| HDFC DIVIDEND YIELD FUND | Dividend Yield | 0.97 | 8.4% |
| Mahindra Manulife Business Cycle Fund | Sectoral/Thematic | 0.97 | 13.9% |
| Bajaj Finserv Large & Mid Cap Fund | Large & Mid Cap | 0.97 | n/a |
- What is the latest NAV of SBI CONTRA FUND?
- The NAV of the Regular plan (growth option) was ₹357.7018 on 1 Oct 2026, as published by AMFI.
- Which category is SBI CONTRA FUND in?
- It is classified as Contra in AMFI's daily NAV file. MFIC compares it with 5 Contra schemes (Regular plans).
- What returns has SBI CONTRA FUND delivered?
- Over one year the NAV changed by -5.3%. The 3-year CAGR is 8.5% (category median 11.5%) and the 5-year CAGR is 12.9% (category median 11.8%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 13.8%, the lowest was -10.8%, and 91% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 96% of those periods.
- What was the largest fall in SBI CONTRA FUND's NAV?
- The largest peak-to-trough fall in its available history was 60.2%; within the last five years it was 16.2% (category median 19.0%).
- How volatile is SBI CONTRA FUND?
- Its annualised standard deviation of monthly returns over the last 36 months is 14.3%, which is below the Contra category median of 16.0%.
- What would a monthly SIP in SBI CONTRA FUND have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,50,133 on 1 Oct 2026, an annualised return (XIRR) of 8.9%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of SBI CONTRA FUND?
- The total expense ratio of the Regular plan is 1.63% a year, as disclosed to AMFI (median of Contra Regular plans: 2.03%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is SBI CONTRA FUND?
- Assets under management of the whole scheme were ₹45,068 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of SBI CONTRA FUND?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of SBI CONTRA FUND and how has it compared?
- Its official benchmark is the BSE 500 TRI. Over 3 years AMFI reports a return of 8.8% for this plan against 9.2% for the benchmark total return index; over 5 years 13.1% against 8.9%. Past performance does not indicate future results.
- What is the minimum investment in SBI CONTRA FUND?
- The minimum application amount is ₹2,000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -4.6% and the Regular plan's by -5.3%. The Regular plan includes the services of a distributor.
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