SBI Jan Nivesh SIP
Have you ever wanted to invest but thought you needed a lot of money?
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SIP Plan Benefits
Start SIP with as low as ₹1000
No hidden charges
Save upto ₹46,800 in Taxunder section 80C^
Zero LTCG Tax¶
Disciplined & worry-free investing
What is Jan Nivesh SIP?
This new Systematic Investment Plan is designed to help more people across India start saving and investing regularly, especially those who are new to investing or have smaller amounts to put aside. It's about making mutual funds easy and affordable for everyone, whether you live in a city or a village. This idea matches what India's market regulator, SEBI, wants to achieve: to encourage good saving habits and make investing accessible to all.
- Insurance Companies
- Mutual Funds
|
Returns |
| Fund Name |
5 Years |
7 Years |
10 Years |
| Max Life |
27.23% |
22.19% |
|
| Tata AIA |
30.96% |
22.84% |
|
| Bajaj Allianz |
23.63% |
13.87% |
|
| HDFC Standard |
25.19% |
15.94% |
|
| Canara HSBC Oriental Bank |
19.43% |
11.22% |
|
| Bharti AXA |
23.07% |
15.89% |
|
| Birla Sun Life |
26.07% |
15.44% |
|
| ICICI Prudential |
23.04% |
14.48% |
|
| LIC |
- |
- |
|
| PNB Metlife |
24.23% |
17.63% |
|
Fund rating powered by
Last updated: Jun 2025
| |
Returns |
| Fund Name |
3 Years |
5 Years |
10 Years |
| QUANT |
23.92% |
31.48% |
|
| PARAG PARIKH |
20.69% |
26.41% |
|
| EDELWEISS |
22.34% |
24.29% |
|
| KOTAK |
24.64% |
25.01% |
|
| MIRAE ASSET |
19.74% |
24.32% |
|
| PGIM INDIA |
14.75% |
23.39% |
|
| DSP |
18.41% |
22.33% |
|
| CANARA ROBECO |
20.05% |
21.80% |
|
| SUNDARAM |
18.27% |
18.22% |
|
How does Jan Nivesh SIP SBI work?
When you invest in SBI Jan Nivesh SIP, your money goes into the SBI Balanced Advantage Fund. This is a smart fund that automatically invests your money in a mix of different things like company shares (equity), bonds (debt), and cash. This mix helps balance risk and potential returns. You can choose to invest ₹250 daily, weekly, or monthly – whatever suits you best!
Why Invest in SBI Jan Nivesh SIP?
The SBI Jan Nivesh SIP offers various benefits, including:
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Easy to Start: You only need ₹250 to begin your investment journey.
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Hassle-Free: It's designed to be simple to open and manage your account.
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Potential for Growth: Your money is invested in a fund aimed at long-term growth. Because interest is added to your investment every three months (compounded quarterly), your money has the opportunity to grow faster over time.
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Long-Term Wealth: Even a small amount like ₹250, when invested regularly and for a long time, can add up to a significant amount. For example, if you consider Jan Nivesh SIP SBI Mutual Fund returns and invest ₹250 monthly and get an average 15% return, you could potentially accumulate over ₹1 crore in 42 years. To quickly estimate how different investment amounts or tenures can help you reach your specific financial goals, you can use a SIP Calculator.
SIP Calculator
Monthly Investment
₹22.4 L
Top Funds with High Returns (Past 7 Years)
18.4%
High Growth Fund
17.46%
Top 200 Fund
14.76%
Accelerator Mid-Cap Fund II
14.81%
Opportunities Fund
10.39%
Equity II Fund
13.52%
Accelerator Fund
14.6%
Growth Opportunities Plus Fund
15.6%
Multiplier
11.66%
Equity Top 250 Fund
13.49%
Future Apex Fund
12.61%
Pension Opportunities Fund
14.22%
Frontline Equity Fund
15.14%
Virtue II
11.01%
Pension Dynamic Equity Fund
11.94%
Equity Fund
10.29%
Blue-Chip Equity Fund
Who Can Invest in SBI Jan Nivesh SIP?
This SBI Jan Nivesh SIP scheme is open to almost all citizens, including:
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Individual citizens (both general and senior citizens)
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People operating accounts alone or jointly
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Minors (through a guardian)
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Various organizations, like clubs, partnerships, companies, local bodies, government departments, and educational institutions.
Key Details SBI Balanced Advantage Fund:
When you put your money into Jan Nivesh SIP SBI, your money is directed into the SBI Balanced Advantage Fund Regular Growth. Here are its key features:
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Fund Type: Hybrid - Dynamic Asset Allocation.
Meaning: It smartly adjusts its investments between stocks (equity) and bonds (debt) based on market conditions, aiming to balance risk and potential returns.
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Launch Date: August 31, 2021
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Risk Level (as per SEBI's Riskometer): Very High
Note: This is a standard disclosure for funds with significant equity exposure, reflecting market volatility.
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Assets Under Management (AUM): Approximately ₹34,895 Crores (as of April 30, 2025)
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Benchmark: NIFTY 50 Hybrid Composite Debt 50:50 Index
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Exit Load: 1% if units are redeemed within 365 days (one year) for investments exceeding 10% of the initial investment. No exit load after 365 days.
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Minimum SIP Investment: ₹250 Perfectly aligns with Jan Nivesh's core offering.
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Minimum Lumpsum Investment: ₹5,000
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Fund Strategy: Dynamically shifts asset allocation between equity and debt to navigate market cycles, aiming for capital appreciation in rising markets and downside protection in falling markets.
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Past Performance (Since Inception): Around 12.03% annualized return (as of May 25, 2025).
Note: Past performance is not indicative of future results
Expense Ratio:
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Meaning: The annual fee charged by the fund for managing your investment.:
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Direct Plan: 0.69% (lower, for those who invest directly with the AMC).
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Regular Plan: 1.57% (higher, typically for those investing through distributors/brokers). The difference (0.88%) is substantial over the long term.
Asset Allocation (as of April 30, 2025):
Performance (Annualised Trailing Returns as of May 24, 2025):
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Holdings: Highest allocation in Financial Services (28.24%), followed by Energy (which includes Oil, Gas, Consumables).The top holdings indicate a degree of concentration in the fund's highest conviction picks.
Conclusion
The SBI Jan Nivesh SIP makes investing accessible to everyone, allowing you to start building wealth with just ₹250 monthly. This scheme leverages quarterly compounding within the SBI Balanced Advantage Fund to help your money grow significantly over time. Ready to take the first step towards your financial goals?
FAQs
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What is the SBI Jan Nivesh SIP?
The SBI Jan Nivesh SIP is a special investment plan from
SBI Mutual Fund that lets you start investing in mutual funds with a very small amount, aiming to encourage more people to save regularly.
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How much can I invest in SBI Jan Nivesh SIP?
You can start investing with as little as ₹250. You can choose to invest this amount daily, weekly, or monthly.
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Which fund does the SBI Jan Nivesh SIP invest in?
Your investments through Jan Nivesh SIP SBI go into the SBI Balanced Advantage Fund, which smartly invests in a mix of stocks, bonds, and cash.
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Who can open an account under SBI Jan Nivesh SIP?
Most resident individuals, including senior citizens, can invest. Various organizations like firms, companies, clubs, and educational institutions are also eligible.
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What are the main benefits of the SBI Jan Nivesh SIP?
It offers a very low starting investment, helps your money grow faster through quarterly compounding (contributing to better Jan Nivesh SIP SBI Mutual Fund returns), and is easy to set up, encouraging a disciplined saving habit.
