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SBI Children's Gift Fund
SBI Children's Gift Fund or Children’s Fund - Investment Plan is a solution-oriented scheme from SBI Mutual Fund, built to grow a corpus for a child's future needs. Launched in September 2020, the fund has assets under management worth ₹7,780.53 crore with a NAV of ₹49.8219 as on September 23, 2026.
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Children's Gift Mutual Funds
- SBI Children's Gift Fund
Highlights of SBI Children's Gift Fund
- Direct and Regular Options: The plan comes with 2 investment options, direct and regular. The direct and regular plan has given 33.1% and 31.45% returns since inception, respectively.
- Tiered Exit Load: Units not under lock-in and held under three years attract a stepped exit load. Redemption fees will be 3% in the first year, 2% in the second year and 1% in the third year.
- Top Holdings: Alphabet Inc Class A is the largest holding, followed by SBI, Thangamayil Jewellery, Adani Enterprises and Kotak Mahindra Bank.
- Portfolio Approach: The scheme is strongly equity-oriented and invests in equity and equity related instruments, debt, money market instruments, including derivatives, and carries a ‘Very High Risk’ rating.
Key Information About SBI Children's Gift Fund
| Detail | Information |
| Fund House | SBI Mutual Fund |
| Date of Launch | 29 September 2020 |
| Fund Age | 5 years 11 months |
| Total AUM | ₹7,780.53 Cr as on 22nd Sep, 2026 |
| Fund Category | Solutions Oriented Scheme - Children's |
| Fund Benchmark | CRISIL Hybrid 35+65 Aggressive Index |
| Min. Investment | SIP ₹500 and Lumpsum ₹5,000 |
| Risk Level | Very High |
| Return Grade | High |
| Suggested Horizon | Over 3 years |
| Fund Managers | Rama Iyer Srinivasan, Lokesh Mallya |
| Investment Objective | The scheme seeks to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies across sectors and market capitalisations. The scheme will also invest in debt and money market instruments with an endeavour to generate income. |
Performance of SBI Children's Gift Fund
| Period | 1Y | 3Y | 5Y | Since Launch |
| Returns - Regular | 19.67% | 20.74% | 20.4% | 31.45% |
| Returns - Direct | 20.84% | 22.05% | 21.82% | 33.1% |
The fund has beaten its category across every measured period. The table below shows the gap against the category average. Anyone shortlisting from the children's gift fund category will find few schemes with a comparable record across this many periods.
Top 10 Holdings of SBI Children's Gift Fund
| Company Name | Portfolio Weight (%) |
| Cash, Cash Equivalents and Others | 6.61 |
| Alphabet Inc | 5.42 |
| State Bank of India | 4.91 |
| Thangamayil Jewellery | 4.88 |
| Hatsun Agro Product Ltd. | 4.25 |
| ReNew Energy Global | 3.81 |
| Kotak Mahindra Bank | 3.78 |
| Life Insurance Corporation of India | 3.77 |
| Adani Enterprise Ltd. | 3.68 |
| E.I.D-Parry (India) Ltd. | 3.48 |
| Sona BLW Precision Forgings | 3.46 |
Sector Allocation of SBI Children's Gift Fund
| Sector | Allocation (%) |
| Financial Services | 21.42 |
| Fast Moving Consumer Goods | 11.66 |
| Information Technology | 11.31 |
| Capital Goods | 8.72 |
| Consumer Durables | 7.94 |
| Cash, Cash Equivalent and Others | 6.61 |
| Automobile and Auto Components | 5.35 |
| Consumer Services | 5.07 |
| Chemicals | 3.89 |
| Power | 3.81 |
| Metals & Mining | 3.68 |
| Textiles | 3.63 |
| Media, Entertainment & Publication | 2.40% |
| Realty | 2.00% |
| Construction Materials | 1.77% |
| Healthcare | 0.35% |
| Forest Materials | 0.26% |
| Sovereign | 0.13% |
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Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child
Standard T&C Apply *
Expense Ratio, Exit Load and Taxation of SBI Children's Gift Fund
| Category | Details |
| Expense Ratio | 2.02% - Regular (as on 31 August 2026)
1.11% - Direct (as on 31st August 2026) |
| Exit Load (within 1 year) | 3% |
| Exit Load (1 to 2 years) | 2% |
| Exit Load (2 to 3 years) | 1% |
| Exit Load (3 years and above) | Nil |
| Short Term Capital Gains (STCG) | Taxed at 20% if redeemed within 1 year |
| Long Term Capital Gains (LTCG) | Gains above ₹1.25 lakh in a financial year taxed at 12.5% after 1 year |
FAQs
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What is SBI Children's Gift Fund?
SBI Children's Fund Investment Plan is an open-ended fund for investment for children from SBI Mutual Fund. It aims to generate long-term capital appreciation by investing predominantly in equity and equity-related securities of companies across sectors and market capitalisations. -
Does the fund hold overseas stocks?
The scheme mandate allows investing across sectors and market capitalisations. Alphabet Inc Class A at 5.42% is the largest holding, and ReNew Energy Global Plc at 3.81%. -
What is the minimum investment amount?
The minimum lump sum is ₹5,000 with additional investments from ₹1,000. The minimum SIP is ₹500. The suggested investment horizon is over three years, which also aligns with the point at which the exit load disappears. Investors can also check minimum investment options with different mutual fund child plans to suit one that suits their investment goals. -
Can SBI Children's Gift Fund be used to plan for a child's education?
The plan has been designed with long-term financial requirements of the children in mind, and could even be used for purposes like further studies. Investors can also look at a child education plan and compare options based on their financial objectives and horizon.
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˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.