SBI Long Term Equity Fund Direct Growth
Very High Risk
Elss
5 Star
₹465.84
0.32%1D Change
16.79%p.a.
Very High Risk
Elss
5 Star
₹465.84
0.32%1D Change
16.79%p.a.
SBI Long Term Equity Fund Direct Growth
₹465.84
0.32%1D
16.79%p.a.
Save up to Rs 46,800 in taxes every year.
Highest returns compared to other 80C investments.
Lowest lock-in of 3 years
| Tax Saving FD | PPF | ELSS | |
|---|---|---|---|
| Average Annualised Returns i | 6% | 8% | 12% |
| Tax rates i | 30% | Not taxable | 10%* |
| Returns after tax i | 4.2% | 8.00% | 10.80% |
| Current rate of Inflation i | 4% | 4% | 4% |
| Real Rate of Return i | 0.2% | 4.00% | 6.80% |
| Lock-in Period i | 5 years | 15 years | 3 years |
Returns calculator
Investment Type
Fund overview
- Rating5 Star
- Expense ratio0.94%
- Exit Load0% within 0 days
- AUM (Fund size)₹28,506.07 Crore
- Lock-in period3 years
- Age12 yrs since Jan 01, 2013
- Min. investmentSIP ₹500 & Lump. ₹500
- RiskVery High
- Short-term capital gains (STCG)Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains (LTCG)After 1 year, pay tax of 12.5% on returns of ₹1.25 lakh+ in a financial year
Fund Distribution
| Holding Name | Assets (%) |
|---|---|
| HDFC Bank Ltd | 9.65% |
| Treps | 9.07% |
| Reliance Industries Ltd | 5.56% |
| ICICI Bank Ltd | 3.71% |
| ITC Ltd | 3.2% |
Peer Comparison
| Fund Name | AUM (In Crs.) | NAV | Risk |
|---|---|---|---|
| DSP ELSS Tax Saver Fund D... | ₹ 12,086 Cr | ₹104.46 | 0.83% | Very High |
| Motilal Oswal ELSS Tax Sa... | ₹ 4,360 Cr | ₹59.16 | 0.33% | Very High |
| ICICI Prudential ELSS Tax... | ₹ 14,121 Cr | ₹1011.91 | 0.33% | Very High |
| Axis ELSS Tax Saver Fund ... | ₹ 34,950 Cr | ₹107.07 | 0.50% | Very High |
NAV History - SBI Long Term Equity Fund - Direct Plan - Growth
FUND | SBI Long Term Equity Fund - Direct Plan - Growth |
|---|---|
| NAV (Jun 04, 2025) | ₹465.84 |
| Class | ELSS | ELSS (Tax Savings) |
| Inception Date | Jan 01, 2013 |
| Fund Manager | Dinesh Balachandran |
FUND | SBI Long Term Equity Fund - Direct Plan - Growth |
|---|---|
| Initial Price | ₹10 |
| Min. Investment Amount | SIP ₹500 and Lump. ₹500 |
| Exit Load | 0% within 0 days |
Returns | 1W | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|
| SBI Long Term Equity | -0.39% | 3.1% | 11.65% | -1.31% | 6.46% | 27.69% |
About SBI Funds Management Ltd
SBI Mutual Fund was launched as a joint venture between State Bank of India (SBI) and AMUNDI of France which is an asset management company, way back in 1987. You will find State Bank of India as the sponsor and SBI Mutual Fund Trustee Company Private Limited as the trustee of the SBI Mutual Fund.
SBI Funds Management Ltd Details
- No. of schemes144
- Total AUM₹504,390.41 Crore
- AddressSBI Funds Management Private Limited, 9th Floor, Crescenzo, Mumbai, 400 051
- Phone+91 22 61793000
Pros & Cons
Strong Long-Term Performance
The fund has delivered a 5-year CAGR of approximately 20.25% as of April 2025, outperforming its benchmark (CRISIL Hybrid 35+65 Aggressive Index) and the category average (19.76–20.68%), making it a solid choice for long-term investors.
Diversified Hybrid Portfolio
The fund allocates 70.20–70.94% to equities (47.33% large-cap, 8.32% mid-cap, 5.15% small-cap) and 25.67–28.21% to debt, with top holdings like HDFC Bank (4.3%), ICICI Bank (4.05%), and Bharti Airtel (3.9%), balancing growth and stability across Financials, Technology, and Communication sectors.
Low Expense Ratio
The Direct Plan’s expense ratio is 0.74–0.80%, significantly lower than the Regular Plan (1.39–2.01%) and the category average, enhancing net returns for investors.
Moderate Volatility
The fund’s standard deviation of 9.80–10.97 indicates moderate volatility compared to pure equity funds, due to its hybrid nature, but it’s still riskier than conservative hybrid or debt funds.
Short-Term Underperformance
The 1-year return ranges from 9.83–14.67% as of April/May 2025, lagging behind the category average (7.47–8.24%) and some peers like Canara Robeco Equity Hybrid Fund, reflecting weaker recent performance.
Exit Load Constraint
A 1% exit load applies for redemptions exceeding 10% of the investment within 365 days, limiting short-term flexibility for investors.
Frequently Asked Questions
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(as per historical returns)
