HealthyDirect · GrowthFit for a long SIP
SBI Children's Fund - Investment Plan
SBI Mutual FundSolution Oriented Scheme - Children’s Fund6.1 years
- NAV
- 51.2379
- 31 Oct 2026
- 1Y
- +7.1%
- Trailing CAGR
- AUM
- ₹7,949.28 Cr
- 30 Sept 2026
- Volatility
- Medium
- 12.7% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 31 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 100% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
6.1 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.06% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -15.7%. Ask whether you can hold through a similar fall.
Vs category
Pass
100% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Pass
Top 10 holdings ≈ 49.1% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+7.1%
- 3Y+20.0%
- 5Y+17.7%
- 10Yn/a
- SI+30.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+7.6%
- 3Y+13.4%
- 5Y+17.9%
- 10Yn/a
- Since inception
- +30.7%
- Calendar-day CAGR
- Excess 1Y
- +12.0%
- Category median, same plan and option
- 3Y win rate
- +100%
- Windows beating the median
- 3Y percentile
- 100
- Vs comparable share classes
- SIP 3Y XIRR
- +13.4%
- Simulated monthly SIP
- Worst rolling 3Y
- +18.1%
- 764 daily-ending windows
- Median rolling 3Y
- +24.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 267 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -15.7%
- Worst peak-to-trough
- Current
- -6.3%
- Below last peak
- Current spell
- 64 days
- Days below latest peak
- Time below peak
- +80%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 109 recovered episodes
- Longest recovery
- 191 days
- Trough to prior peak
2 Jan 2025 – 11 Sept 2025
Trough 4 Mar 2025 · recovered in 191 days
-15.7%
17 Jan 2022 – 1 Dec 2022
Trough 20 Jun 2022 · recovered in 164 days
-14.4%
17 Nov 2025 – 27 Apr 2026
Trough 30 Mar 2026 · recovered in 28 days
-12.9%
17 Sept 2024 – 11 Dec 2024
Trough 13 Nov 2024 · recovered in 28 days
-9.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
100
Vs category
100
Consistency
99
Risk-adjusted
100
Drawdown
61
Mean
92
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 100% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
Portfolio
30 Sept 2026 · 40 holdings · top 10 are 49.1%.
- Top 5
- 31.0%
- Top 10
- 49.1%
- Largest holding
- 13.0%
- Effective holdings
- 22.9
Repo
Unspecified
13.0%
Alphabet Inc Forgn. Eq (GOOGL)
Technology
5.4%
Thangamayil Jewellery Ltd
Consumer Discretionary
4.5%
State Bank of India
Financial
4.3%
Hatsun Agro Products Ltd
Consumer Staples
3.8%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
SBI CHILDREN'S FUND - SAVINGS PLAN
SBI Mutual Fund
- 1Y
- +6.9%
- 3Y
- +10.7%
- Vol
- 5.4%
- Max DD
- -14.4%
- Sharpe
- 1.06
- 3Y win
- +54%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
HDFC Children's Fund
HDFC Mutual Fund
- 1Y
- -6.1%
- 3Y
- +7.9%
- Vol
- 10.8%
- Max DD
- -28.9%
- Sharpe
- 0.75
- 3Y win
- +94%
- Lower volatility
- Lower TER
Caveat: Deeper drawdown · Lower trailing returns
Baroda BNP Paribas Children's Fund
Baroda BNP Paribas Mutual Fund
- 1Y
- -3.1%
- 3Y
- n/a
- Vol
- 13.2%
- Max DD
- -12.6%
- Sharpe
- -0.04
- 3Y win
- n/a
- Shallower drawdown
Caveat: Higher volatility · Higher TER · Lower trailing returns
UTI Children's Hybrid Fund
UTI Mutual Fund
- 1Y
- -4.0%
- 3Y
- +6.0%
- Vol
- 7.3%
- Max DD
- -18.7%
- Sharpe
- 0.24
- 3Y win
- +2%
- Lower volatility
Caveat: Deeper drawdown · Higher TER · Lower trailing returns