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SBI Mutual Fund

SBI Multi Asset Allocation Fund

SBI Mutual Fund · Direct plan · Growth

3-year returns
14.8%
a year
NAV
₹74.64
▲ 0.58% · 18 Sept 2026
Fund size
₹20,935 Cr
Expense ratio
0.68%
a year
Minimum SIP
₹500

Figures are for the Direct plan. The Regular plan, bought through a distributor, is at ₹66.70 and has returned 13.86% a year over 3 years.

Returns, and where it stands

Against the average multi asset allocation fund, and its place among them. Anything longer than a year is a yearly rate.

PeriodThis fundCategoryRank
1 year10.2%9.4%ahead15 of 30
3 years14.8%14.5%ahead6 of 13
5 years13.5%13.8%behind4 of 8
10 years12.1%13.4%behind3 of 6
Every period, and the Regular plan →
PeriodDirectRegular
1 month-0.9%-1%
3 months0.4%0.2%
6 months3.3%2.9%
1 year10.2%9.3%
2 yearsp.a.9.6%8.7%
3 yearsp.a.14.8%13.9%
5 yearsp.a.13.5%12.5%
7 yearsp.a.14.4%13.5%
10 yearsp.a.12.1%11.1%

Figures are for the Direct plan, and the rank compares it against the same plan of its peers, best first. Based on NAV history from Sept 2016.

Plan

NAV history

▲ 10.17% in the last 1Y

67.371.575.718 Sept 202518 Mar 202618 Sept 2026

Hover or tap the chart for the NAV on any date. Past NAVs are adjusted for unit splits.

If you had invested in this fund

Investment type
years
Total invested
₹1,80,000
Gain
₹35,200
XIRR (per year)
11.99%
Value today
₹2,15,200

36 monthly instalments from 22 Sept 2023, valued at the latest NAV. Past returns do not guarantee future returns.

What this fund holds

As on 31 August 2026

  • Equity47.2%
  • Debt31.1%
  • Other funds10.6%
  • Cash6.66%
  • Other4.47%

Top holdings

The ten largest holdings and their share of the fund
SBI Gold ETFMutual Fund/ETF6.76%
SBI Silver ETFMutual Fund/ETF3.81%
Brookfield India Real Estate TrustRealty2.48%
Embassy Office Parks ReitRealty1.99%
GAIL (India) LtdGas1.98%
Delhivery LtdTransport Services1.88%
National Bank for Agriculture and Rural Development[ICRA]AAA1.88%
HDFC Bank LtdBanks1.78%
Mahindra & Mahindra Financial Services LtdFinance1.65%
ICICI Bank LtdBanks1.61%

and 114 more holdings.

Where the equity sits

  • Banks9.59%
  • Pharmaceuticals & Biotechnology3.48%
  • Finance2.73%
  • Transport Services2.61%
  • Auto Components2.38%
  • Power2.13%
  • Gas1.98%
  • Oil1.84%

and 24 more sectors.

From the monthly portfolio SBI Mutual Fund publishes for this scheme, as required by SEBI. Cash covers bank balances, treasury bills lent overnight and money due to the scheme, which carry no ISIN and so are shown as the remainder.Original disclosure

What the ride has been like

Worked out from this fund's own NAV history, not a rating.

How bumpy
8% a year
2% less than the category average — the steadier side
Worst fall so far
−17.6%
Feb 2020 to Mar 2020, against −12.9% for the category.
Years that made money
99.5%
Of every one-year stretch it has been through.
Over any three years
1.3% to 21.6%
A year, at worst and at best. Typically 13.3%.

Fund details

Minimum lumpsum
₹5,000
Minimum top-up
₹1,000
Lock-in
None
Plan started
19 Mar 2013
Expense ratio
0.68%
as of 31 Jul 2026

Managed by Dinesh Balachandran, Mansi Sajeja, Vandna Soni

Direct plan figures, last checked on 20 Sept 2026. Exit load and the scheme's benchmark are in thescheme document.

How it compares

SBI Multi Asset Allocation Fund against other funds in the Multi Asset Allocation Fund category
Fund1Y3Y5YExpenseFund size
Quant Multi Asset Allocation Fund16.29%22.25%19.9%1.21%₹6,528 Cr
Nippon India Multi Asset Allocation Fund11.5%18.77%15.65%0.48%₹17,984 Cr
WhiteOak Capital Multi Asset Allocation Fund11.45%16.69%0.65%₹8,778 Cr
Aditya Birla Sun Life Multi Asset Allocation Fund11.65%15.98%0.5%₹7,618 Cr
UTI Multi Asset Allocation Fund3.19%14.89%13.1%0.78%₹7,063 Cr
SBI Multi Asset Allocation Fund10.17%14.84%13.47%0.68%₹20,935 Cr
Baroda BNP Paribas Multi Asset Fund6.44%14.22%0.88%₹1,486 Cr

About SBI Multi Asset Allocation Fund

SBI Multi Asset Allocation Fund is a multi asset allocation fund managed by SBI Mutual Fund. Invest at least 10% each in three or more asset classes, such as equity, debt and gold or silver.

To provide the investors an opportunity to invest in an actively managed portfolio of multiple asset classes.

The scheme's stated objective, as published by SBI Mutual Fund.

The NAV (net asset value) is the price of one unit of the fund. It is published by the fund house every business day and changes with the value of the fund's holdings. The Growth option reinvests all gains, so its NAV reflects the fund's total return.

Tax on your gains

How gains are taxed depends on how much equity the scheme holds. At 65% equity or more it follows equity rules — 12.5% on long-term gains above ₹1.25 lakh; below that, gains are usually taxed at your slab rate. The scheme document states which applies.

Work out what you would owe with the capital gains tax calculator.

Every plan and option, with scheme codes
PlanOptionNAVScheme code
DirectGrowth₹74.6389119843
DirectIDCW₹42.5241119840
DirectIDCW₹33.514119841
DirectIDCW₹35.4527119842
RegularGrowth₹66.6995103408
RegularIDCW₹29.8253103400
RegularIDCW₹29.7963103401
RegularIDCW₹37.7174103409

Frequently asked questions

What is the NAV of SBI Multi Asset Allocation Fund today?

The NAV of SBI Multi Asset Allocation Fund (Direct plan, Growth) is ₹74.6389 and the Regular plan NAV is ₹66.6995, as of 18 Sept 2026.

What returns has SBI Multi Asset Allocation Fund given?

Over the last year the Direct plan returned 10.17%, and 14.84% a year over 3 years and 13.47% a year over 5 years. That places it 6 of 13 funds in its category over 3 years. Past returns do not guarantee future returns.

What is the expense ratio of SBI Multi Asset Allocation Fund?

The Direct plan charges 0.68% a year, as disclosed on 31 Jul 2026. The fee is already taken out of the NAV, so the returns above are what you keep.

What is the minimum SIP amount in SBI Multi Asset Allocation Fund?

You can start a monthly SIP with ₹500, or invest a lump sum of ₹5,000 or more.

How much has SBI Multi Asset Allocation Fund fallen in the past?

Its deepest fall was 17.6% from 20 Feb 2020 to 23 Mar 2020. Of every one-year stretch in its history, 99% ended in a gain.

What does SBI Multi Asset Allocation Fund invest in?

As on 31 Aug 2026 it held 124 positions, the largest being SBI Gold ETF (6.8%), SBI Silver ETF (3.8%), Brookfield India Real Estate Trust (2.5%). Its biggest sector was banks at 9.6% of the fund. Portfolios change every month.

Which category does SBI Multi Asset Allocation Fund belong to?

It is a Multi Asset Allocation Fund from SBI Mutual Fund. Invest at least 10% each in three or more asset classes, such as equity, debt and gold or silver.

What is the difference between the Direct and Regular plan?

Both invest in the same portfolio. The Direct plan is bought straight from the fund house or a direct platform and has a lower expense ratio because no distributor commission is paid, so its NAV grows slightly faster over time.

How are gains from SBI Multi Asset Allocation Fund taxed?

How gains are taxed depends on how much equity the scheme holds. At 65% equity or more it follows equity rules — 12.5% on long-term gains above ₹1.25 lakh; below that, gains are usually taxed at your slab rate. The scheme document states which applies.

Source: NAVs published by the fund house through AMFI. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns. This page is for information only and is not a recommendation to buy or sell.