HealthyDirect · GrowthFit for a long SIP
SBI US Specific Equity Active FoF
- NAV
- 24.9837
- 29 Oct 2026
- 1Y
- +15.8%
- Trailing CAGR
- AUM
- ₹1,168.41 Cr
- 30 Sept 2026
- Volatility
- High
- 19.5% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 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 99% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
5.6 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
1.03% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -21.8%. Ask whether you can hold through a similar fall.
Vs category
Pass
99% 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
Watch
Top 10 holdings ≈ 100.0% 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+15.8%
- 3Y+29.2%
- 5Y+15.9%
- 10Yn/a
- SI+17.7%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+11.4%
- 3Y+22.3%
- 5Y+21.5%
- 10Yn/a
- Since inception
- +17.7%
- Calendar-day CAGR
- Excess 1Y
- +3.9%
- Category median, same plan and option
- 3Y win rate
- +99%
- Windows beating the median
- 3Y percentile
- 77
- Vs comparable share classes
- SIP 3Y XIRR
- +22.3%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.8%
- 608 daily-ending windows
- Median rolling 3Y
- +20.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 138 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -21.8%
- Worst peak-to-trough
- Current
- -4.0%
- Below last peak
- Current spell
- 22 days
- Days below latest peak
- Time below peak
- +86%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 12 days
- 79 recovered episodes
- Longest recovery
- 290 days
- Trough to prior peak
23 Jan 2025 – 24 Jun 2025
Trough 8 Apr 2025 · recovered in 77 days
-21.8%
10 Dec 2021 – 17 Jul 2023
Trough 30 Sept 2022 · recovered in 290 days
-20.5%
16 Jul 2024 – 11 Oct 2024
Trough 5 Aug 2024 · recovered in 67 days
-9.4%
1 Sept 2023 – 17 Nov 2023
Trough 27 Oct 2023 · recovered in 21 days
-9.3%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
77
Vs category
74
Consistency
89
Risk-adjusted
60
Drawdown
46
Mean
69
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 99% 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 · 2 holdings · top 10 are 100.0%.
- Top 5
- 100.0%
- Top 10
- 100.0%
- Largest holding
- 97.2%
- Effective holdings
- 1.1
Amundi Funds US Pioneer Fund -I15 USD CAP
Unspecified
97.2%
Repo
Unspecified
3.0%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak US Specific Equity Passive FOF
Kotak Mahindra Mutual Fund
- 1Y
- +21.6%
- 3Y
- +33.0%
- Vol
- 21.3%
- Max DD
- -29.1%
- Sharpe
- 0.77
- 3Y win
- +100%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Navi Total Stock Market US Specific Equity Passive FoF
Navi Mutual Fund
- 1Y
- +21.6%
- 3Y
- +29.5%
- Vol
- 18.1%
- Max DD
- -20.0%
- Sharpe
- 0.79
- 3Y win
- +4%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
Aditya Birla Sun Life US Treasury 1-3 Year Bond ETFs Passive FOF
Aditya Birla Sun Life Mutual Fund
- 1Y
- +10.0%
- 3Y
- n/a
- Vol
- 4.1%
- Max DD
- -2.7%
- Sharpe
- 0.69
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Aditya Birla Sun Life US Treasury 3-10 Year Bond ETFs Passive FOF
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.6%
- 3Y
- n/a
- Vol
- 5.6%
- Max DD
- -3.7%
- Sharpe
- 0.49
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Bandhan US Treasury Bond 0-1 year specific Debt Passive FOF
Bandhan Mutual Fund
- 1Y
- +11.9%
- 3Y
- +9.1%
- Vol
- 3.8%
- Max DD
- -3.4%
- Sharpe
- 0.81
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns