Equity Savings ModerateVR Rating
₹5,610 Cr.
None
| Name | 1Y Return | VR Rating | 1Y Rank | 3Y Rank | 5Y Rank | Alpha | NAV(₹) |
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SBI Equity Savings Fund-Reg(G) is an open-ended equity savings fund designed for investors seeking a balanced combination of equity growth, arbitrage income, and debt stability within a single portfolio. Equity savings funds typically invest across unhedged equity, hedged equity/arbitrage positions, and debt instruments, helping investors participate in equity markets with relatively lower volatility than pure equity funds. As per SEBI’s mandate, the fund needs to invest 65% of its total assets in equity and equity related instruments, Net equity exposure-15%-40% of total assets and minimum of 10% allocation to debt..
As of 1 Jun 2026, SBI Equity Savings Fund-Reg(G) manages ₹5610 crore in assets. The fund currently holds 89 stocks, and the top 10 stocks contribute 36.00% of the portfolio, an important “quick check” for how concentrated (or diversified) the fund is.
The investment objective of SBI Equity Savings Fund-Reg(G) is to generate capital appreciation and income by investing in equity and equity-related instruments, arbitrage opportunities, and debt and money market instruments. The scheme aims to provide a smoother investment experience by combining growth assets with hedged and fixed-income exposure. Investors can typically invest and redeem on business days (subject to scheme cut-off timings and applicable exit load).
The current NAV of the scheme is ₹24.66 as on 10 Jul 2026, and the risk level is Moderate.
SBI Equity Savings Fund-Reg(G) was launched on 27 May 2015 and is benchmarked against [NIFTY 50 Equity Savings Index]. The scheme is managed by Nidhi Chawla who has been managing the fund since 1 Jan 2022 and the fund is also managed by Mohit Jain, Neeraj Kumar, Vandna Soni. The exit load of the fund is 0.10% on or before 15D, Nil after 15D
SBI Equity Savings Fund-Reg(G) primarily invests across unhedged equity, hedged equity/arbitrage positions, debt instruments, and cash equivalents. As of 30 Jun 2026, the portfolio is allocated to Corporate Debt (13%), Government Securities (5%), Treasury Bills (2%).
A quick way to read this: unhedged equity allocation drives long-term return potential, arbitrage/hedged equity helps reduce volatility, and debt allocation provides stability and income support.
As of 1 Jun 2026, in terms of the entire equity allocation, the exposure to Large Cap is 58% , Mid Cap is 7% and Small Cap is 1%.
A quick way to read this: higher large-cap exposure generally indicates a more stable and liquid portfolio, while mid/small-cap exposure may add return potential but can also increase volatility.
The top 5 holdings of the fund are 7.10% CGL 2034 (2.3%), Godrej Seeds & Genetics Ltd. (1.8%), National Bank for Agriculture and Rural Development (1.8%), 6.01% CGL 2030 (1.3%), Indostar Capital Finance Ltd. (1.3%)
In equity savings funds, top holdings are usually a mix of large-cap equities, arbitrage positions, treasury instruments, corporate debt, and cash management securities.
The top sector exposures are Sector Allocation (%) "Bank 28% Finance 12% G-Sec 6% Refineries 5% Miscellaneous 5%
Sector allocation mainly reflects the equity and arbitrage portion of the portfolio and can influence short-term performance depending on market conditions and spread opportunities.
SBI Equity Savings Fund-Reg(G)’s recent CAGR returns are 1.9%(1 year), 9.0%(3 years) and 8.4%(5 years). These returns are as of 14 Jul 2026
Against the full Equity Savings Fund peer set, the scheme is ranked 19/22 over 1 year, 5/21 over 3 years, 7/21 over 5 years period.
If you had invested ₹1,00,000 in SBI Equity Savings Fund-Reg(G) then you would have got:
| Duration | Annualized Returns (%) | Current Total Value | Current Total Profit |
|---|---|---|---|
| 1 Year | 1.9% | ₹101900.00 | ₹1900.00 |
| 3 Year | 9.0% | ₹109000.00 | ₹9000.00 |
| 5 Year | 8.4% | ₹108400.00 | ₹8400.00 |
Note: These are historical returns and they may not repeat in the future.
Always check exit load before investing in any fund.
As of 1 Jun 2026 , the fund’s Beta is 1 .
The fund’s Standard Deviation was 1% .
Similarly, Alpha was 0.
Also, Sharpe ratio was 0.
As of 10 Jul 2026 , the fund’s YTM is 8% . A rising YTM often means the portfolio is earning at higher prevailing short-term rates, while a falling YTM can indicate either softer rates or a more conservative portfolio tilt. YTM (Yield to Maturity) is also one of the best forward-looking indicators for what returns may look like going ahead (not a guarantee, but a useful expectation gauge).
The fund’s Modified Duration was 511 years. Modified duration is basically a sensitivity meter: in general, lower duration = lower interest-rate sensitivity.
It may suit investors who want to:
It offers a few practical benefits:diversified exposure across equity, arbitrage, and debt; relatively lower volatility than pure equity funds; potential tax efficiency due to equity-oriented structure;professional asset allocation; and a smoother return experience compared to taking full directional equity exposure.
These funds are relatively balanced but not risk-free. Key things to watch are unhedged equity allocation, arbitrage spread availability, debt portfolio quality, interest-rate sensitivity, sector concentration, and consistency of returns. Returns may be lower than pure equity funds during strong bull markets because part of the portfolio is hedged or allocated to debt.
Since this fund is treated as an equity-oriented fund (Equity > 65%):
Tax rules are subject to change as per regulations.
SBI Equity Savings Fund-Reg(G) is positioned as a balanced investment option that combines equity growth potential, arbitrage-based stability, and debt income within one portfolio.
A simple way to track whether it is doing its job is to follow three indicators:unhedged equity allocation, arbitrage spread capture, and consistency of downside protection during volatile markets. The strength of equity savings funds lies in offering a smoother participation in equity markets rather than maximizing returns in a single market phase.
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To invest a lumpsum amount in SBI Equity Savings Fund-Reg(G) with Ventura: Access the Mutual funds section by logging in to Ventura through your browser/mobile app Select SBI Equity Savings Fund-Reg(G) from the list, the amount to be invested & make the payment.
To start a SIP (Systematic Investment Plan) in SBI Equity Savings Fund-Reg(G) with Ventura: Access the Mutual funds section by logging in to Ventura through your browser/mobile app Select SBI Equity Savings Fund-Reg(G) from the list, the amount to be invested & date of deduction. Pay the first instalment towards your SIP. Set the autopay mandate to enable regular investment of future SIP instalments, directly from your bank account. And you're done. Note: Remember to keep your bank account funded with the amount for regular SIPs for your mutual fund investment in SBI Equity Savings Fund-Reg(G).
It will take up to one trading day for the invested SBI Equity Savings Fund-Reg(G) units to reflect in your portfolio. For example, If you have made the investment in SBI Equity Savings Fund-Reg(G) on Monday before the cut-off time, the units will be allotted to you by Tuesday or the next working day if it is followed by a holiday. The NAV (Net Asset Value) for the units allotted will be as of the day you place your trades.
Yes, mutual funds can be bought or redeemed after market hours through the Ventura web platform or mobile application. However, the execution of these orders depends on the mutual fund's cutoff time for processing transactions.
