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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 Regular Growth
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 |
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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. |
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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.
People Also Read: Nifty Midcap 150
Fund Summary
SBI Equity Hybrid Fund Regular Growth:
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Expense ratio - 1.66% (as of Oct 31, 2021)
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Exit Load - 1.0%
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AUM (Fund Size) - ₹ 48,052.42 Crores (As of 31st October 2021)
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Lock-in period - No Lock-in period
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Age of the fund – 26 years
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Benchmark Index - CRISIL Hybrid 35+65 - Aggressive Index
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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):
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Pros |
Cons |
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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. |
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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. |
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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. |
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A bottom-up stock selection strategy is used to select stocks of high-growth businesses. |
Liquidity risk is also involved. |
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No entry load. |
People Also Read: ICICI Prudential Nifty Midcap 150
SBI Hybrid Fund: Allocation by Sector
|
Sector |
% Of Net Assets |
|
Financial Services |
30.26% |
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Pharma |
9.3% |
|
IT |
7.87% |
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Oil and Gas |
4.63% |
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Chemicals |
4.34% |
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Consumer Services |
4.33% |
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Sovereign |
4.17% |
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Power |
4.11% |
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Consumer Goods |
3.82% |
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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% |
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HDFC Bank Ltd. |
4.28% |
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Infosys Ltd. |
3.82% |
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Divi'S Laboratories Ltd. |
3.75% |
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Bajaj Finance Ltd. |
3.23% |
|
Bharti Airtel Ltd. |
2.89% |
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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:
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Exposure to both equity and debt markets
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Risk mitigation of equity markets through debt and money market security investments
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Wealth generation through long term investments
FAQ's
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Q. How to invest in a regular growth mutual fund scheme?
A. To invest in a regular growth plan, you can contact the fund's agents or distributors. They will give you an application form. Fill that form and deposit money through the agent or distributor. You can also invest through banks. -
Q. Are the returns guaranteed in a mutual fund scheme?
A. No, returns are not guaranteed because the returns depend on how the stock market or the debt market will perform in the future. Since these markets are volatile, you cannot predict their potential returns. -
Q. What is a benchmark index?
A. A benchmark index is a group of assets used to measure the performance of other assets and funds. -
Q. What is the CAGR return of mutual funds?
A. CAGR stands for Compound Annual Growth Rate. It is the average return of any stock or fund over a specified period longer than a year. -
Q. What are ELSS funds?
A. ELLS or equity-linked savings schemes help investors claim a tax rebate of up to Rs 1,50,000 a year.
*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
^^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.
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