SBI Mutual Fund
SBI FOCUSED FUND -GROWTH
6.9Q1★★
- NAV
- ₹431.44
- Expense
- —
- AUM
- ₹43.3 K Cr
- 1Y
- +13.8%
- 3Y
- +19.9%
- 5Y
- +16.4%
#1 of 6
Min SIP: ₹500Ideal: 5+ years
HDFC Mutual Fund
HDFC Focused Fund - Growth Option - Direct Plan
3Y returns
20.2%
past performance*
5Y returns
22.5%
past performance*
0.65%Expense ratio
₹27.1K CrFund size
A licensed partner advisor will guide you — free, no PAN or bank details needed now.
*Past performance does not guarantee future returns. Returns are historical and subject to market risk.
NAV₹254.65
1D—
Expense0.65%
AUM₹27.1K Cr
Min SIP₹100
Min Lumpsum₹100
Trailing returns (CAGR)
| 1W | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| -1.66% | +3.32% | -2.69% | -5.51% | +2.24% | +20.19% | +22.52% | +15.75% |
🎯 OnePaisa Verdict
5.2/ 10
Below AverageBreakdown
- Returns5/10
- Consistency6/10
- Risk1/10
- Cost7/10
- Size9/10
- Large, well-established fund (₹27K Cr AUM)
- 5★ Morningstar rating
💡 Ratings are not guarantees. Past performance does not predict future results.
SIP Returns
Simulated ₹10,000/month systematic investment plan, computed from NAV history.
1 Year SIP
-3.90%
₹1.17 L value on ₹1.20 L invested
3 Year SIP
—
Not enough NAV history yet.
5 Year SIP
—
Not enough NAV history yet.
vs Category (Focused)
This fund (1Y)
+2.24%
Rank #4 of 6
Category average (1Y)
+4.05%
Quartile Q3
Beats 33% of focused funds on 1Y return.
Risk Analysis
- Std Deviation (1Y)12.48%Moderate
- Max Drawdown (1Y)-13.98%Moderate
- Sharpe Ratio (1Y)-0.34Poor
- Sortino Ratio (1Y)-0.33Poor
💡 Higher Sharpe = better risk-adjusted returns. Above 1.0 is good, above 2.0 is excellent. Drawdown is the worst peak-to-trough decline.
Calendar Year Returns
+8.52%
2025
-6.04%
2026
💰 What This Fund Costs You
Expense ratio: 0.65%
That is ₹650 per year on every ₹1 lakh invested.
10-year impact on ₹1 lakh (assuming 12% gross return)
Without this expense, ₹1 lakh would have grown to ₹3.11 L.
💡 Index funds typically charge 0.10-0.20%. Compare with index funds →
🎯 Is This Fund Right For You?
- Ideal horizon
- 5+ years
- Minimum: 3 years
- Risk profile
- High
- SIP recommended
- ✅ Yes
- Monthly
Maximum 30 stocks — concentrated portfolio. Higher conviction = higher risk and reward.
Suitable goals
- High-conviction equity allocation
- Alpha-seeking investors
Suitable for
- Investors comfortable with concentration risk
- Those who trust the fund manager
Not suitable for
- Risk-averse investors
- Those wanting broad diversification
🧾 Taxation
This is an Equity Fund.
- Short-term (Less than 1 year)
- 20%
- Long-term (1 year or more)
- 12.5%
- LTCG exemption
- ₹1.25 lakh per financial year
- TDS
- No TDS for resident Indians
💡 Worked example
Invest ₹1,00,000 and gain ₹25,000 over 2 years:
- Tax type: LTCG (12.5% LTCG)
- Taxable gain: ₹0
- Tax owed: ₹0 (within exemption)
- You keep: ₹1,25,000
Applies to all equity funds — large cap, mid cap, small cap, flexi cap, ELSS, index, sectoral — and equity-oriented hybrids with >65% equity.
🚨 Things to Watch
Poor risk-adjusted returns
Sharpe ratio of -0.34 means you’re not being adequately compensated for the risk taken.
📊 SIP Calculator — HDFC Focused Fund Option
Estimated corpus
₹5.57 L
- Total invested
- ₹3.00 L
- Estimated gain
- ₹2.57 L (+86%)
▮ Invested▮ Gains
How it stacks up vs alternatives
- Fixed Deposit (7%)₹3.60 L
- Category average (18.6%)₹4.97 L
- This fund (22.52%)₹5.57 L
⚠️ Projection based on past CAGR. Actual returns may vary. Markets are subject to risk; past performance is not a guarantee of future results.
▶Show Advanced Analysis
📈 Risk vs Return
Return 2.2% · Risk (std dev) 12.5%
SweetGrowthSlowAvoidLow riskHigh risk
Safe but slow
Stable but modest returns — suits capital preservation.
Sharpe ratio of -0.34 confirms poor risk-adjusted returns.
🛡️ Downside Protection
If the broader market falls 20%, this fund is expected to fall about 18.6%.
Based on 1Y max drawdown of -14.0% versus a typical market correction of ~-15%. Historical fall ratio ≈ 0.93× market. Average protection.
⚠️ Estimate, not a guarantee. Actual market falls vary.
💸 Expense Impact (₹10K/month for 20 years at 12% gross)
- This fund — Direct (0.65%)₹91.54 L
- Index fund (0.10%)₹98.57 L
- Regular plan (~1.50%)₹81.76 L
Choosing this Direct plan over a Regular plan saves about ₹9.78 L. Index fund would still beat it by ₹7.03 L thanks to its lower expense ratio.
Fund information
- Scheme category
- Equity Scheme - Focused Fund
- Benchmark
- BSE 500 India TR INR
- Inception
- 2013-01-01
- Lock-in
- None
- Exit load
- 0 - 1 Years : 1.0 %
- Plan
- Direct
- Option
- Growth
Data freshness
- NAV as of: 2026-10-22
- Metrics calculated: 2026-10-23
- Source: mfapi.in, AMFI India
NAV trend
See how a SIP grows in this fund
Use the SIP Calculator with this fund's historical CAGR to project a monthly investment.
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- NAV
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- Expense
- —
- AUM
- ₹14.6 K Cr
- 1Y
- +5.4%
- 3Y
- +22.4%
- 5Y
- +20.0%
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- NAV
- ₹127.31
- Expense
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- 1Y
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- 3Y
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- 5Y
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DSP Focused
3.8Q43
- NAV
- ₹59.4
- Expense
- 0.98%
- AUM
- ₹2.6 K Cr
- 1Y
- -0.1%
- 3Y
- +18.9%
- 5Y
- +13.8%
#5 of 6
Min SIP: ₹100Ideal: 5+ yearsVery High Risk