SBI PSU FUND
SBI Mutual Fund · Sectoral/Thematic · Direct plan, growth option
| Period | Scheme | Category median | PSU median |
|---|---|---|---|
| 1 month | -5.5% | -5.4% | -5.2% |
| 3 months | -6.9% | -2.8% | -6.4% |
| 6 months | -2.9% | 8.9% | 0.4% |
| Year to date | -4.1% | -2.0% | -2.9% |
| 1 year | 0.9% | 1.4% | 0.9% |
| 3 years (CAGR) | 17.5% | 13.0% | 17.4% |
| 5 years (CAGR) | 21.4% | 12.0% | 21.1% |
| 7 years (CAGR) | 19.7% | 17.0% | 20.4% |
| 10 years (CAGR) | 13.5% | 14.6% | 14.8% |
| Since first NAV (CAGR) | 11.1% | – | – |
“PSU” is MFIC's grouping of Sectoral/Thematic schemes by the theme or index in their names, not an AMFI category.
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 12.4% | 11.8% |
| 3Y rolling median | 11.0% | 17.5% |
| 3Y rolling worst | -15.3% | 3.0% |
| 3Y periods positive | 85% | 100% |
| 3Y periods ahead of benchmark | 88% | 84% |
| 5Y rolling median | 7.4% | 15.6% |
| 5Y rolling worst | -5.4% | 1.8% |
| 5Y periods ahead of benchmark | 100% | 91% |
Benchmark: Nifty 500 (proxy: Motilal Oswal Nifty 500 Index Fund, price return).
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 22.0% | 16.7% |
| Sharpe ratio | 0.61 | 0.42 |
| Sortino ratio | 1.09 | 0.63 |
| Beta | 1.16 | 0.96 |
| Alpha (ann.) | 9.5% | 3.7% |
| Upside capture | 150.80 | 106.94 |
| Downside capture | 105.62 | 95.17 |
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −47.1% | −23.1% |
| Maximum drawdown, last 10Y | −47.1% | −38.3% |
| Maximum drawdown, last 5Y | −24.1% | −22.3% |
| Current drawdown | −13.0% | −8.3% |
| Recovery time of worst fall | 559 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
This scheme invests mainly in the markets below, which are also close to how many of them are benchmarked. Where those markets stand today:
- P/E 10.4: higher than 36% of days since 2022 (median 11.0)
- 1Y −6.3% · 3Y +15.4% p.a. · 5Y n/a p.a. (index fund NAV, after costs)
- −14.5% from its 52-week high (proxy NAV)
- P/E 11.8: higher than 32% of days since 2022 (median 12.9)
- 1Y −3.7% · 3Y +18.7% p.a. · 5Y +23.9% p.a. (index fund NAV, after costs)
- −18.5% from its 52-week high
- P/E 7.2: higher than 15% of days since 2022 (median 8.1)
- 1Y +6.1% · 3Y +14.9% p.a. · 5Y +26.6% p.a. (index fund NAV, after costs)
- −19.7% from its 52-week high
- P/E 21.6: higher than 4% of days since 2022 (median 23.9)
- 1Y −3.9% · 3Y +8.9% p.a. · 5Y +8.6% p.a. (index fund NAV, after costs)
- −9.3% from its 52-week high
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
The Regular plan's expense ratio is 1.94% a year and the Direct plan's 0.98%, a gap of 0.96%; over the last 3 years the Direct plan returned 1.25 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 ₹22,10,155.
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.
- 24 Sep 2026: TER increased from 0.97% to 0.98% (AMFI TER disclosure)
- 18 Sep 2026: TER reduced from 0.98% to 0.97% (AMFI TER disclosure)
- 15 Sep 2026: TER increased from 0.97% to 0.98% (AMFI TER disclosure)
- 12 Sep 2026: TER increased from 0.96% to 0.97% (AMFI TER disclosure)
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.98% | 1.15% |
| AUM, whole scheme (₹ crore) | 6,354 | 1,272 |
| 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) | 2.0% | 0.9% TRI |
| Return, 3 years (AMFI) | 18.0% | 18.6% TRI |
| Return, 5 years (AMFI) | 21.8% | 22.0% TRI |
| Month-ends above category median (3Y CAGR) | 33% | 53% median |
| Month-ends in category top quartile (3Y) | 32% | 24% median |
| 7Y rolling CAGR, median (monthly windows) | 10.4% | 15.2% median |
Official benchmark: BSE PSU TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Sectoral/Thematic Direct plans; how it is calculated.
| Year | Scheme | Nifty 500 proxy | Difference |
|---|---|---|---|
| 2026 YTD | -4.1% | -7.8% | +3.6% |
| 2025 | 12.4% | 7.7% | +4.8% |
| 2024 | 24.9% | 15.6% | +9.2% |
| 2023 | 55.7% | 26.5% | +29.2% |
| 2022 | 30.4% | 3.8% | +26.6% |
| 2021 | 33.8% | 30.6% | +3.1% |
| 2020 | -9.4% | 17.2% | −26.7% |
| 2019 | 6.5% | n/a | – |
| 2018 | -22.9% | n/a | – |
| 2017 | 22.6% | 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 | ₹1,13,408 | -10.0% |
| 3 years | ₹3,60,000 | ₹3,87,478 | 4.8% |
| 5 years | ₹6,00,000 | ₹9,47,990 | 18.3% |
| 10 years | ₹12,00,000 | ₹29,69,360 | 17.2% |
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 |
|---|---|---|---|
| Aditya Birla Sun Life PSU Equity Fund | Sectoral/Thematic | 0.98 | 16.9% |
| ICICI PRUDENTIAL PSU EQUITY FUND | Sectoral/Thematic | 0.95 | 18.3% |
| Invesco India PSU Equity Fund | Sectoral/Thematic | 0.94 | 17.2% |
| ICICI PRUDENTIAL ENERGY OPPORTUNITIES FUND | Sectoral/Thematic | 0.92 | n/a |
| Franklin Build India Fund | Sectoral/Thematic | 0.90 | 14.2% |
| Mahindra Manulife Business Cycle Fund | Sectoral/Thematic | 0.90 | 15.8% |
- What is the latest NAV of SBI PSU FUND?
- The NAV of the Direct plan (growth option) was ₹35.9446 on 1 Oct 2026, as published by AMFI.
- Which category is SBI PSU FUND in?
- It is classified as Sectoral/Thematic in AMFI's daily NAV file; a Sectoral/Thematic scheme invests at least 80% in one sector or theme. MFIC compares it with 253 Sectoral/Thematic schemes (Direct plans).
- What returns has SBI PSU FUND delivered?
- Over one year the NAV changed by 0.9%. The 3-year CAGR is 17.5% (category median 13.0%) and the 5-year CAGR is 21.4% (category median 12.0%). 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 11.0%, the lowest was -15.3%, and 85% of 3-year periods ended with a gain. It was ahead of Nifty 500 (index-fund proxy) in 88% of those periods.
- What was the largest fall in SBI PSU FUND's NAV?
- The largest peak-to-trough fall in its available history was 47.1%; within the last five years it was 24.1% (category median 22.3%).
- How volatile is SBI PSU FUND?
- Its annualised standard deviation of monthly returns over the last 36 months is 22.0%, which is above the Sectoral/Thematic category median of 16.7%.
- What would a monthly SIP in SBI PSU 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 ₹9,47,990 on 1 Oct 2026, an annualised return (XIRR) of 18.3%. This uses the Direct 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 PSU FUND?
- The total expense ratio of the Direct plan is 0.98% a year, as disclosed to AMFI (median of Sectoral/Thematic Direct plans: 1.15%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is SBI PSU FUND?
- Assets under management of the whole scheme were ₹6,354 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of SBI PSU 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 PSU FUND and how has it compared?
- Its official benchmark is the BSE PSU TRI. Over 3 years AMFI reports a return of 18.0% for this plan against 18.6% for the benchmark total return index; over 5 years 21.8% against 22.0%. Past performance does not indicate future results.
- How often has SBI PSU FUND beaten its category?
- At 33% of the 120 month-ends compared over the last 10 years, its 3-year return was above the median of Sectoral/Thematic schemes (Direct plans); it was in the top quarter at 32% of them. A typical scheme would show about 50%.
- What is the minimum investment in SBI PSU FUND?
- The minimum application amount is ₹5,000.
- 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 0.9% and the Regular plan's by -0.1%. The Regular plan includes the services of a distributor.
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