SBI Mutual Fund Returns Last 5 Years

What is SBI Mutual Fund?

SBI Mutual Fund is one of India's largest and most prominent Asset Management Companies (AMCs), managing a vast array of mutual fund schemes across equity, debt, and hybrid categories. It is an integral part of the financial landscape in India, backed by one of the country's most trusted institutions.

SBI Mutual Fund has a history of innovation, being the first Indian mutual fund house to introduce a 'Contra' fund (SBI Contra Fund) and an ESG (Environmental, Social, and Governance) Fund in the country.

Best SBI Mutual Fund Returns Last 5 Years

The best top 10 SBI Mutual Fund Returns for the Last 5 Years are tabulated below:

1. SBI Magnum Children's Benefit Fund - Investment Plan Regular - Growth

   A hybrid mutual fund scheme that seeks to generate long-term capital appreciation by investing predominantly in equity and equity-related securities across sectors and market capitalizations. 

   Parameters	Details
   Fund Name	SBI Children's Fund - Investment Plan Regular-Growth
   NAV	₹ 40.05 (as on 31st March, 2026)
   AUM	₹5,353.52 Crs
   Expense Ratio	1.83%
   Return 5 Years	22.69%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	29th September, 2020
   Asset Allocation	Equity: 84.02%, Debt: 0.18%, Others: 15.8%
   Top Sectors	Energy & Utilities Technology Unspecified Consumer Staples Financial Materials Consumer Discretionary Industrials
   Top Holdings	Repo Net Receivables Alphabet Inc Forgn. Eq (GOOGL) Hatsun Agro Products Ltd Thangamayil Jewellery Ltd Muthoot Finance Ltd State Bank of India Renew Energy Global PLC Forgn. Eq (RNW) Le Travenues Technology Ltd. HDFC Bank Ltd
   Fund Managers	Pradeep Kesavan Lokesh Mallya Rama Iyer Srinivasan
   Fund Type	Open-ended

2. SBI PSU Direct Plan-Growth

   An equity scheme that seeks to provide long-term growth by primarily investing in the equity stocks of Public Sector Undertakings in India. It may also invest in money market and debt instruments issued by PSUs and others.

   Parameters	Details
   Fund Name	SBI PSU Direct Plan-Growth
   NAV	₹ 36.25 (as on 31st March, 2026)
   AUM	₹6,545.08 Crs
   Expense Ratio	0.85%
   Return 5 Years	26.68%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 95.84%, Debt: 0.07%, Others: 4.09%
   Top Sectors	Industrials Energy & Utilities Financial Materials
   Top Holdings	State Bank of India Bharat Electronics Ltd NTPC Ltd Power Grid Corporation of India Ltd GAIL (India) Ltd Bharat Petroleum Corporation Ltd Bank Of Baroda Repo NMDC Ltd Indian Bank
   Fund Managers	NA
   Fund Type	Open-ended

3. SBI Contra Direct Plan - Growth

   An equity scheme that aims for long-term capital appreciation by investing in a diversified portfolio of equity and equity-related securities following a contrarian investment strategy. 

   Parameters	Details
   Fund Name	SBI Contra Direct Plan-Growth
   NAV	₹ 381.03 (as on 31st March, 2026)
   AUM	₹49,111.50 Crs
   Expense Ratio	0.76%
   Return 5 Years	18.74%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 90.83%, Debt: 5.32%, Others: 2.94%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo Nifty Index 28-OCT-25 NIFTY 25500 Put Dec25 Nifty Index 25-11-2025 NIFTY 27-JAN-26 FUT NIFTY 26000 Put Feb26 HDFC Bank Ltd Nifty Index 28-Aug-25 NIFTY 25000 Put Mar26 Reliance Industries Ltd
   Fund Managers	Pradeep Kesavan Dinesh Balachandran
   Fund Type	Open-ended

4. SBI Infrastructure Fund Direct - Growth

   An equity scheme that seeks to provide investors with opportunities for long-term capital appreciation by investing predominantly in the equity and equity-related securities of companies engaged in the infrastructure sector. 

   Parameters	Details
   Fund Name	SBI Infrastructure Fund Direct-Growth
   NAV	₹ 47.14 (as on 31st March, 2026)
   AUM	₹4,645.50 Crs
   Expense Ratio	1.04%
   Return 5 Years	18.38%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 94.07%, Debt: 1.17%, Others: 4.76%
   Top Sectors	Consumer Discretionary Industrials Diversified Energy & Utilities Financial Materials Real Estate Technology Unspecified
   Top Holdings	Larsen & Toubro Ltd Reliance Industries Ltd Repo Shree Cement Ltd Bharti Airtel Ltd HDFC Bank Ltd Torrent Power Ltd Adani Transmission Ltd Adani Ports and Special Economic Zone Ltd Ultratech Cement Ltd
   Fund Managers	Pradeep Kesavan Bhavin Vithlani
   Fund Type	Open-ended

5. SBI Mid Cap Direct Plan - Growth

   An equity scheme that aims to provide investors with opportunities for long-term growth in capital by investing predominantly in a well-diversified basket of equity stocks of Midcap companies.

   Parameters	Details
   Fund Name	SBI Mid Cap Direct Plan-Growth
   NAV	₹ 233.94 (as on 31st March, 2026)
   AUM	₹23,154.23 Crs
   Expense Ratio	0.86%
   Return 5 Years	15%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 93.78%, Debt: 0.77%, Others: 5.45%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	Repo Torrent Power Ltd Bharat Heavy Electricals Ltd Crisil Ltd Mahindra & Mahindra Financial Services Ltd Sundaram Finance Ltd The Federal Bank Ltd AIA Engineering Ltd Shree Cement Ltd Supreme Industries Ltd
   Fund Managers	Pradeep Kesavan Bhavin Vithlani
   Fund Type	Open-ended

6. SBI ELSS Tax Saver Fund Regular - Growth

   This scheme seeks to provide long-term capital appreciation through an actively managed portfolio of equity and equity-related instruments, with the benefit of tax deduction under Section 80C of the Income Tax Act, 1961. 

   Parameters	Details
   Fund Name	SBI Consumption Opportunities Fund Direct-Growth
   NAV	₹ 299.71 (as on 31st March, 2026)
   AUM	₹2,969.84 Crs
   Expense Ratio	0.95%
   Return 5 Years	14.76%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 97.93%, Debt: 0.1%, Others: 1.97%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Materials Technology
   Top Holdings	Bharti Airtel Ltd Hindustan Unilever Ltd Mahindra & Mahindra Ltd ITC Ltd Maruti Suzuki India Ltd Repo Jubilant FoodWorks Ltd Asian Paints Ltd Eicher Motors Ltd Britannia Industries Ltd
   Fund Managers	Pradeep Kesavan Ashit Desai
   Fund Type	Open-ended

7. SBI Large & Midcap Fund Direct Plan - Growth

   An equity scheme that seeks to provide investors with opportunities for long-term capital appreciation by investing in a diversified portfolio of equity and equity-related securities of Large Cap and Mid Cap companies. It must invest a minimum of 35% of its total assets in each Large Cap and Mid Cap stock.

   Parameters	Details
   Fund Name	SBI ELSS Tax Saver Fund Regular -Growth
   NAV	₹ 391.37 (as on 31st March, 2026)
   AUM	₹32,171.48 Crs
   Expense Ratio	1.6%
   Return 5 Years	16.58%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹500
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 97.81%, Debt: 0.12%, Others: 2.07%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Real Estate Technology
   Top Holdings	HDFC Bank Ltd Repo ICICI Bank Ltd Reliance Industries Ltd State Bank of India Axis Bank Ltd Kotak Mahindra Bank Ltd Tata Steel Ltd Cipla Ltd Mahindra & Mahindra Ltd
   Fund Managers	NA
   Fund Type	Open-ended

8. SBI Banking & Financial Services Fund Regular - Growth

   An equity scheme that aims to generate long-term capital growth from an actively managed portfolio primarily of Equity and Related Securities of companies engaged in the banking & financial services sector. This is a sectoral fund.

   Parameters	Details
   Fund Name	SBI Large & Midcap Fund Direct Plan-Growth
   NAV	₹ 631.65 (as on 31st March, 2026)
   AUM	₹38,765.94 Crs
   Expense Ratio	0.74%
   Return 5 Years	15.94%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	NA
   Asset Allocation	Equity: 91.7%, Debt: 0.73%, Others: 7.57%
   Top Sectors	Consumer Discretionary Industrials Consumer Staples Energy & Utilities Financial Healthcare Materials Technology
   Top Holdings	HDFC Bank Ltd Repo State Bank of India Axis Bank Ltd HDFC Asset Management Company Ltd Reliance Industries Ltd Bharat Forge Ltd Ashok Leyland Ltd ICICI Bank Ltd Asian Paints Ltd
   Fund Managers	Pradeep Kesavan Saurabh Pant
   Fund Type	Open-ended

9. SBI Healthcare Opportunities Fund Direct Plan - Growth

   An equity scheme to provide investors with the opportunity of long-term capital appreciation by investing in a diversified portfolio of equity and equity-related securities in the Healthcare space.

   Parameters	Details
   Fund Name	SBI Banking & Financial Services Fund Regular-Growth
   NAV	₹ 39.40 (as on 31st March, 2026)
   AUM	₹10,724.55 Crs
   Expense Ratio	1.77%
   Return 5 Years	11.97%
   Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
   Risk Level	Principal at very high risk
   Launch Date	26th February, 2015
   Asset Allocation	Equity: 97.71%, Debt: 0.04%, Others: 2.25%
   Top Sectors	Industrials Financial
   Top Holdings	HDFC Bank Ltd ICICI Bank Ltd State Bank of India Axis Bank Ltd Kotak Mahindra Bank Ltd Bajaj Finserv Ltd SBI Life Insurance Company Ltd Muthoot Finance Ltd HDFC Life Insurance Co Ltd Repo
   Fund Managers	Pradeep Kesavan Milind Agrawal
   Fund Type	Open-ended

10. SBI Consumption Opportunities Fund Direct - Growth

    An equity scheme that aims for long-term capital appreciation by investing in a diversified portfolio of equity and equity-related securities in the Consumption space. This includes companies involved in consumer durables, non-durables, retail, automobiles, etc. 

    Parameters	Details
    Fund Name	SBI Healthcare Opportunities Fund Direct Plan-Growth
    NAV	₹ 479.21 (as on 31st March, 2026)
    AUM	₹4,076.67 Crs
    Expense Ratio	0.92%
    Return 5 Years	17.55%
    Minimum Investment	SIP ₹1000 & Lumpsum ₹5,000
    Risk Level	Principal at very high risk
    Launch Date	NA
    Asset Allocation	Equity: 97%, Debt: 0.07%, Others: 2.93%
    Top Sectors	Healthcare Materials
    Top Holdings	Sun Pharmaceutical Industries Ltd Divi's Laboratories Ltd Max Healthcare Institute Ltd Apollo Hospitals Enterprise Ltd Ami Organics Ltd Lupin Ltd Cipla Ltd Repo Torrent Pharmaceuticals Ltd Lonza Group Ag
    Fund Managers	Pradeep Kesavan Tanmaya Desai
    Fund Type	Open-ended

Documents Required for SBI Mutual Fund Investment (KYC)

KYC is mandatory for all investors. The documents required for SBI Mutual funds are categorized below: 

• PAN Card 
• Passport
• Driving License
• Proof of possession of Aadhaar Number
• Voter's Identity Card 
• Job Card 
• Letter issued by the National Population Register 
• Utility Bill, which is not more than two months old 
• Property or Municipal Tax receipt.
• Pension or family pension payment orders (PPOs)
• Letter of allotment of accommodation

How to Invest in SBI Mutual Fund?

There are two ways of investing in SBI Mutual Funds: online and offline. Follow the steps to know more:

1. Online Investment

   To invest directly through the SBI Mutual Fund website or app, you typically need to meet these conditions:

   • Existing Bank Account Holder: You should have an account with the bank
   • KYC Compliance: Your KYC process must be complete and verified.
   • Account Status: Should preferably have a Single or Either/Survivor operating status for seamless online transactions.
   • Signatures: Must have signed the relevant account opening or modification forms.

   Once the prerequisites are met, you can proceed with selecting a scheme, choosing between a lump sum or SIP, and making a payment.

2. Offline Investment

   The traditional method involves submitting a physical application:

   • Application Form: You must fill out the Application Form.
   • Submission: Submit the form along with a cheque and necessary KYC documents at any SBI Mutual Fund branch or a Registrar and Transfer Agent (RTA) service centre.

Benefits of Top SBI Mutual Funds 

Here are some advantages of the top SBI Mutual funds with high returns in the last 5 years:

1. Trusted Brand

   As part of the SBI group, it's one of the largest and most established fund houses in India, instilling confidence in its management and stability.

2. Professional Management

   Your money is managed by experienced fund managers who conduct in-depth research to select securities, which is key to long-term wealth creation.

3. Wide Range of Schemes

   They offer a diverse portfolio, including Equity, Debt, Hybrid, and Solution-Oriented funds, allowing you to choose a scheme that matches your risk profile and financial goals.

4. Diversification

   Each fund invests in a basket of stocks or bonds, which helps reduce risk compared to investing in a single stock.

5. Systematic Investment Plan (SIP)

   SBI offers SIPs, allowing you to invest a fixed, small amount regularly, which leverages Rupee Cost Averaging and the power of compounding.

Wrapping Up

SBI Mutual Fund offers a range of professionally managed schemes. Investing is flexible, available online and offline. The core benefits include diversification, professional management, and the ability to leverage SIPs for long-term growth. Historically, schemes in categories like Contra and Infrastructure have shown high SBI Mutual Fund Returns Last 5 Years. However, investors must always be mindful of the associated market risks.