Fund Ka Overview
SBI Long Term Equity Fund ek ELSS (Equity Linked Savings Scheme) mutual fund hai jo aapko ₹1.5 lakh tak ka tax benefit deta hai u/s 80C. Yeh ek 3 saal lock-in ke sath aata hai, jiska objective hai equity shares ke portfolio se long-term capital growth generate karna.
📊 Past Performance
| Year | Fund Return (%) | Benchmark (%) |
|---|---|---|
| 2020 | 18.87% | 17.92% |
| 2021 | 31.04% | 29.11% |
| 2022 | 6.93% | 5.67% |
| 2023 | 40.00% | 24.48% |
| 2024 | 27.74% | 14.72% |
| 2025 (YTD) | -1.88% | 0.46% |
- 3-Year CAGR: 27.86%
- 5-Year CAGR: 29.29%
📈 Risk & Return Measures
- Alpha: 8.27
- Beta: 0.95
- Sharpe Ratio: 1.14
- Std Deviation: 14.43
SBI Long Term Equity Fund ne market ke mukable zyada return diya hai, wo bhi controlled risk ke saath.
🧳 Portfolio Allocation
- Equity: 90.86%
- Cash: 9.14%
- Bonds/Others: 0%
🏢 Market Cap Allocation
- Giant Cap: 48.55%
- Large Cap: 37.78%
- Mid & Small Cap: 13.66%
🏆 Top 10 Holdings in SBI Long Term Equity Fund
| Company | Sector | % Holding |
|---|---|---|
| HDFC Bank Ltd | Financial Services | 9.65% |
| Reliance Industries Ltd | Energy | 5.56% |
| ICICI Bank Ltd | Financial Services | 3.71% |
| ITC Ltd | Consumer Defensive | 3.20% |
| Tata Steel Ltd | Basic Materials | 3.05% |
| Torrent Power Ltd | Utilities | 3.03% |
| Axis Bank Ltd | Financial Services | 2.69% |
| Mahindra & Mahindra Ltd | Consumer Cyclical | 2.58% |
| State Bank of India | Financial Services | 2.58% |
| Cipla Ltd | Healthcare | 2.56% |
🟢 Top 10 = 38.62% of total portfolio
🏭 Sector Allocation
| Sector | Allocation |
|---|---|
| Financial Services | 30.81% |
| Energy | 10.78% |
| Technology | 10.73% |
| Consumer Cyclical | 8.92% |
| Healthcare | 7.91% |
| Basic Materials | 8.60% |
| Utilities | 5.27% |
| Consumer Defensive | 5.51% |
| Industrials | 8.43% |
| Real Estate | 0.83% |
📄 Fund Details
| Parameter | Info |
|---|---|
| Fund Manager | Dinesh Balachandran (2016) |
| Launch Date | 31 March 1993 |
| NAV (13 May 2025) | ₹420.87 |
| AUM | ₹2.85 Lakh Cr+ |
| Expense Ratio | 1.59% |
| Minimum Investment | ₹500 |
| Lock-in | 3 Years |
| Exit Load | NIL |
🤔 Kya Yeh Fund Aapke Liye Suitable Hai?
YES, agar:
- Aap long-term investor hain,
- Tax saving chahte hain,
- Equity market ka growth potential samajhte hain,
- SIP discipline se invest kar sakte hain.
Toh yeh fund aapke liye ek solid ELSS choice ban sakta hai.
✅ Final Thoughts
SBI Long Term Equity Fund ne performance, consistency aur portfolio quality ke basis pe apne aap ko top ELSS fund prove kiya hai. Agar aap tax saving ke saath wealth creation chahte hain, toh is fund mein ₹500/month se SIP start karna ek smart decision ho sakta hai.
Pro Tip: Financial year ke end ka wait na karein, early investment se aapko maximum compounding benefit milega.
🧠 MCQs – Test Your Knowledge!
- SBI Long Term Equity Fund kis section ke under tax benefit provide karta hai?
a) 24B
b) 80C
c) 10(10D)
d) 80G
✅ Correct: b) 80C - Is fund ka lock-in period kitna hota hai?
a) 1 year
b) 2 years
c) 3 years
d) 5 years
✅ Correct: c) 3 years - 2025 mein fund ka NAV kya tha (approx)?
a) ₹500
b) ₹380
c) ₹420
d) ₹460
✅ Correct: c) ₹420 - Top holding company kaun hai is fund mein?
a) ICICI Bank
b) ITC
c) Reliance
d) HDFC Bank
✅ Correct: d) HDFC Bank - Fund ka average 5-year return kya tha?
a) 20%
b) 25%
c) 29%
d) 15%
✅ Correct: c) 29% - Fund ka expense ratio kya hai?
a) 0.75%
b) 1.00%
c) 1.59%
d) 2.25%
✅ Correct: c) 1.59% - SBI Long Term Equity Fund kis type ka fund hai?
a) Debt
b) ELSS
c) Hybrid
d) Liquid
✅ Correct: b) ELSS - Fund ka largest sector exposure kis mein hai?
a) Energy
b) Healthcare
c) Financial Services
d) Technology
✅ Correct: c) Financial Services - Minimum investment kitni hai?
a) ₹100
b) ₹500
c) ₹1000
d) ₹1500
✅ Correct: b) ₹500 - Is fund mein foreign equity exposure hai kya?
a) Haan
b) Nahi
✅ Correct: b) Nahi
SIP Calculator – Mutual Fund Returns Kitna Milega?”
“Aap SIP Calculator ke through apne expected returns calculate kar sakte hain.
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