SBI Equity Hybrid Fund Regular Growth

SBI Equity Hybrid Fund is an open-ended hybrid fund that strategically allocates its investor's capital in debt markets, equity, and equity-related instruments. This scheme aims to provide investors with growth opportunities to create wealth in the long term.

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SBI Equity Hybrid Fund Facts

SBI Equity Hybrid Fund has been in existence since December 31, 1995. It currently has an AUM of Rs 48,052.42 Crores (as of October 31, 2021).

SBI Equity Hybrid Fund is managed by SBI Funds Management Pvt. Ltd. (SBIFMPL). They have more than 30 years of experience in the asset management business. This AMC is a Joint Venture between AMUNDI (France) and SBI. In SBIFMPL, 63% of the company is owned by SBI and the remaining by Amundi India Holding. 

Amundi India Holding is a wholly-owned subsidiary of AMUNDI Asset Management.

Asset Allocation Pattern of SBI Equity Hybrid Fund

The following table represents the asset allocation pattern of the SBI Equity Hybrid fund:

Investing Instruments

Asset Allocation (% of Net Assets)

Risk Profile

Maximum

Minimum

Equity and equity-related

instruments (including

derivatives)

80%

65%

High Risk

Units issued by InVITs and REITs 

10%

0%

Medium to High Risk

Debt Securities (including securitized debt) and money market instruments

35%

20%

Low to Medium Risk

Regular Growth vs. Direct Growth Plan

Regular Growth

Direct Growth

With a Regular Growth plan, you have to invest in the units of this fund through any mutual fund distributors.

In the case of a Direct-Growth plan, you directly purchase the fund units from the AMC.

Since intermediaries like "mutual fund distributors" are involved, you have to pay commissions to them.

The AMCs charge no commission as there are no intermediaries involved.

These commissions can result in a decrease in overall profit.

Since no commission is needed, it can deliver more returns than a regular plan.

Investment Objective

The fund focuses on investing in a diversified portfolio of equities of high-growth businesses. It further mitigates the risk by investing the rest in debt securities (including securitized debt) and money market instruments. The strategy is followed for the long term to generate wealth for the investors.

Investments in equity and equity-related instruments in the portfolio are managed dynamically and a bottom-up stock selection strategy is used. Equity investments are made all across the market cap in a mix of large-cap, mid-cap, and small-cap companies.

Investments in the debt portion in the portfolio are made based on interest rates, market view, inflation, and credit risk. This portion of the portfolio consists of a strategic mix of government bonds, corporate bonds, and money-market instruments.

Fund Summary

SBI Equity Hybrid Fund Regular Growth:

  • Expense ratio - 1.66% (as of Oct 31, 2021)

  • Exit Load - 1.0%

  • AUM (Fund Size) - ₹ 48,052.42 Crores (As of 31st October 2021)

  • Lock-in period - No Lock-in period

  • Age of the fund – 26 years

  • Benchmark Index - CRISIL Hybrid 35+65 - Aggressive Index

  • Minimum Investment Amount - For SIP: ₹500, Lumpsum: ₹5000

Fund Return Summary

SBI Equity Hybrid Fund Regular Growth (as of November 29, 2021)

Period

Scheme Returns*

1 year

27.71% %

3 years

16.83 %

5 years

14.2 %

10 Years

16.53%

Since Inception

16.04%

*Returns are subject to change. The investment risk in the investment portfolio is borne by the policyholder.

Pros and Cons

Like everything else, here are some pros and cons of the SBI Hybrid Fund (Regular-Growth):

Pros

Cons

The portfolio is a mix of debt and equity instruments, which helps to mitigate the risk.

Not suitable for short-term or very short-term investors.

Exit load of 0 % if you redeem after 365 days from the date of allotment. 

Small-cap stocks are high-risk investments as they are highly vulnerable to market volatility.

There is no lock-in period, which means you can access your investment whenever you want.

Performance risk and you may lose your invested capital.

A bottom-up stock selection strategy is used to select stocks of high-growth businesses.

Liquidity risk is also involved.

No entry load.

SBI Hybrid Fund: Allocation by Sector 

Sector 

% Of Net Assets

Financial Services

30.26%

Pharma

9.3%

IT

7.87%

Oil and Gas

4.63%

Chemicals

4.34%

Consumer Services

4.33%

Sovereign

4.17%

Power

4.11%

Consumer Goods

3.82%

Cement and Cement Products

3.05%

(as of October 31, 2021)

Portfolio Classification by Asset and Rating Class of the SBI Hybrid Fund

Asset Class and Rating Class

% Of Net Assets

Large Cap

58.90%

Mid Cap

11.75 %

Small Cap

2.09 %%

AAA and Equivalent

5.05 %

Below AA

2.54%

(as of October 31, 2021)

Top 10 Holdings of the SBI Hybrid Fund

Stocks

% Of Net Assets

ICICI Bank Ltd.

5.51%

HDFC Bank Ltd.

4.28%

Infosys Ltd.

3.82%

Divi'S Laboratories Ltd.

3.75%

Bajaj Finance Ltd.

3.23%

Bharti Airtel Ltd.

2.89%

State Bank Of India

2.82%

Reliance Industries Ltd.

2.77%

Avenue Supermarts Ltd.

2.77%

Hindalco Industries Ltd.

2.30%

(as of October 31, 2021)

Who Should Invest in SBI Equity Hybrid Fund?

Any person who keeps the following expectations or fulfils criteria can invest in this fund:

  • Exposure to both equity and debt markets

  • Risk mitigation of equity markets through debt and money market security investments

  • Wealth generation through long term investments

FAQ's

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