HealthyDirect · GrowthFit for a long SIP
SBI CHILDREN'S FUND - SAVINGS PLAN
SBI Mutual FundSolution Oriented Scheme - Children’s Fund13.8 years
- NAV
- 128.6626
- 31 Oct 2026
- 1Y
- +6.9%
- Trailing CAGR
- AUM
- ₹151.63 Cr
- 30 Sept 2026
- Volatility
- Low
- 5.4% 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 · Three-year return is above the category median.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.91% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -14.4%. Ask whether you can hold through a similar fall.
Vs category
Watch
54% 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 ≈ 40.9% 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+6.9%
- 3Y+10.7%
- 5Y+10.0%
- 10Y+10.8%
- SI+11.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+6.7%
- 3Y+7.7%
- 5Y+9.9%
- 10Y+10.7%
- Since inception
- +11.8%
- Calendar-day CAGR
- Excess 1Y
- +11.6%
- Category median, same plan and option
- 3Y win rate
- +54%
- Windows beating the median
- 3Y percentile
- 75
- Vs comparable share classes
- SIP 3Y XIRR
- +7.7%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.5%
- 2626 daily-ending windows
- Median rolling 3Y
- +12.7%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2143 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -14.4%
- Worst peak-to-trough
- Current
- -2.9%
- Below last peak
- Current spell
- 38 days
- Days below latest peak
- Time below peak
- +77%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 9 days
- 263 recovered episodes
- Longest recovery
- 200 days
- Trough to prior peak
15 Jan 2013 – 7 Mar 2014
Trough 19 Aug 2013 · recovered in 200 days
-14.4%
7 Feb 2020 – 7 Jul 2020
Trough 24 Mar 2020 · recovered in 105 days
-12.6%
2 Apr 2019 – 31 Oct 2019
Trough 5 Aug 2019 · recovered in 87 days
-5.2%
17 Jan 2022 – 7 Sept 2022
Trough 20 Jun 2022 · recovered in 79 days
-4.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
75
Vs category
100
Consistency
54
Risk-adjusted
78
Drawdown
64
Mean
74
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
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 47 holdings · top 10 are 40.9%.
- Top 5
- 24.5%
- Top 10
- 40.9%
- Largest holding
- 6.6%
- Effective holdings
- 30.3
GOI Sec 7.18 14/08/2033
Entities
6.6%
GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100
Entities
6.2%
Repo
Unspecified
4.9%
JSW Kalinga Steel Ltd.
Materials
3.4%
REC LIMITED SR 230-A 7.71 BD 26FB27 FVRS1LAC
Financial
3.3%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
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
- Higher win rate vs category
Caveat: Higher volatility · Higher TER · Lower trailing returns
ICICI Prudential Children's Fund
ICICI Prudential Mutual Fund
- 1Y
- -7.8%
- 3Y
- +11.5%
- Vol
- 12.7%
- Max DD
- -31.1%
- Sharpe
- 0.56
- 3Y win
- +71%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
SBI Children's Fund - Investment Plan
SBI Mutual Fund
- 1Y
- +7.1%
- 3Y
- +20.0%
- Vol
- 12.7%
- Max DD
- -15.7%
- Sharpe
- 1.75
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
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%
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns
Union Children's Fund
Union Mutual Fund
- 1Y
- -5.7%
- 3Y
- n/a
- Vol
- 14.7%
- Max DD
- -17.4%
- Sharpe
- 0.20
- 3Y win
- n/a
- Higher win rate vs category
Caveat: Higher volatility · Deeper drawdown · Higher TER · Lower trailing returns