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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Hybrid • Multi Asset Allocation Fund • CRISIL Composite Bond Index
SBI Multi Asset Allocation Fund(G)-Direct Plan
1 Finance Rank:
01
011 Finance Score:
77100
Sharpe Score
50
Sortino Score
75
Jensen's Score
93
Treynor Score
75
Yield To Maturity Score
94
Quality & Diversification Score
61
Modified Duration Score
73
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 16,149 Cr(As on 31-Mar-2026)NAV
₹ 72.9394(As on 24-Apr-2026)Drawdown
6.2%Crash Recovery
210 daysNo. of Stocks
63(As on 31-Mar-2026)Expense Ratio
0.59%(As on 31-Mar-2026)
01
Hybrid • Multi Asset Allocation Fund • CRISIL Composite Bond Index
SBI Multi Asset Allocation Fund(G)-Direct Plan
This fund ranks 1st out of 28 funds in its category.
AUM₹ 16,149 Cr(As on 31-Mar-2026)
NAV₹ 72.9394(As on 24-Apr-2026)
Drawdown
6.2%
Crash Recovery
210 days
No. of Stocks63(As on 31-Mar-2026)
Expense Ratio0.59%(As on 31-Mar-2026)
1 Finance Score: 77/100
Sharpe Score
50
Sortino Score
75
Jensen's Score
93
Treynor Score
75
Yield To Maturity Score
94
Quality & Diversification Score
61
Modified Duration Score
73
Rolling Returns
| Avg. Rolling Returns | 1 year | 3 year | 5 year | 7 year |
|---|
| Avg. Rolling Returns |
|---|
| 1 Years |
| 3 Years |
| 5 Years |
| 7 Years |
“80% of mutual fund schemes lose 25% or more value due to commissions in 10 years.” Source: 1 Finance Research
Fundamental Ratios
Score Trend
1000
Equity Scheme Ratios
Sharpe Ratio
0.15Sortino Ratio
0.24Treynor Ratio
0.06Jensen's Alpha
0.052%Information Ratio
0.13P/E ratio
33P/B ratio
6Fund Age
12 yearsR-Squared
5%Debt Ratios
Modified Duration
2.56 yearsAverage Maturity
3.47 yearsYield To Maturity
7.12%Standard Deviation
0.43%*Most top-ranked mutual funds won't hold their rank for long. Source: 1 Finance Research
Portfolio summary
Asset Allocation
Equity
Debt
Others
39.41%
35.45%
25.14%
Market Capitalisation
Large Cap
14.68%
Mid Cap
12.54%
Small Cap
11.99%
Others
60.8%
Sector Allocation
Finance
19.32%
Bank
12.43%
G-Sec
8.84%
IT
6.22%
Others
40.08%
Credit Rating
Others
100.00%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| Tri-Party Repo (TREPS) | 8.43% |
| SBI Silver ETF | 7.38% |
| Brookfield India Real Estate Trust REIT | 3.86% |
| SBI Gold ETF | 3.25% |
| 06.68% GOI - 07-Jul-2040 | 2.61% |
*Most active equity funds don't beat their own benchmark over the long run. Source: 1 Finance Research
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Ability to significantly outperform benchmark returns.
Under the debt allocation, the fund has potential for higher returns due to its high Net Yield to Maturity (YTM).
Cons
High expense ratio compared to its category average.
The fund has low historical risk adjusted returns.
During periods of market volatility, this fund's risk management strategy falls short of providing adequate protection to investors.
Under debt allocation, the fund has a high modified duration indicating it is more sensitive to changes in market interest rates, suggesting higher risk for the fund.
Under debt allocation, the fund holds low quality bonds and securities or maintains a concentrated portfolio.
Should you invest?
Invest if you are :
- Investors with a lower risk appetite who seek diversification across multiple asset classes, such as equity, debt, gold, etc, should contemplate this fund as a suitable option
Avoid if you are :
- Investors who prefer to focus solely on one type of asset class should avoid this fund..
*Most financial mistakes aren't about money — they're about personality. Find yours with MoneySign®
Taxation
Debt Oriented Fund
If sold before 2 year
- Taxed as per your income tax slab
If sold after 2 year
- long-term capital gains above ₹1.25 lakh taxed at 12.5%.
Scheme Details
Scheme Objective
- To provide the investors an opportunity to invest in anactively managed portfolio of multiple asset classes.
Exit Load
- Nil for 10% of investment and 1% for remaining Investment on or before 12M, Nil after 12M
Minimum investment amount
Lumpsum
₹ 5000 (open for subscription)
Other details
Founded In2013
Email Addresscustomer.delight@sbimf.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Dinesh Balachandran | 2 | 12.92 |
About SBI MF
- One of India’s largest and most trusted AMCs, SBI Mutual Fund combines the nationwide reach of State Bank of India with global expertise, offering a wide spectrum of equity, debt, and hybrid funds.
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Frequently Asked Questions
If hybrid mutual funds are meant to manage risk, why avoid them?
Because risk management should match your financial personality, not a template, Hybrid mutual funds rebalance based on their mandate, not as per your changing life goals or market views. Effective risk management needs customization, not a one-size-fits-all product.
Can hybrid mutual funds create portfolio overlap?
Yes, very easily. Most investors already own equity and debt funds in their portfolios. Adding a hybrid fund means you are unknowingly buying more of what you already have. That muddies your real asset allocation and makes it harder to track performance or rebalance intelligently. You can check for duplicate schemes in your portfolio with a Mutual Fund Overlap Calculator.
Are hybrid funds tax-efficient?
Not necessarily. Their tax treatment depends on how much their equity allocation is. Since different assets are taxed differently, it may be difficult to clearly track which part is driving your tax income. When you invest separately in equity, debt, and gold, you get cleaner, more predictable tax control. Hybrid funds blur that line and often limit your ability to make tax-smart moves.
Do hybrid funds suit any type of investor?
They suit investors who prioritise convenience over optimisation. If someone doesn’t want to think about asset allocation at all and accepts higher costs, hybrid mutual funds can work. But for anyone seeking clarity, lower fees, and alignment with personal financial goals, a customised multi-fund approach is superior.
Is it difficult to manage separate equity, debt, and gold funds, as compared to hybrid mutual funds?
No. Modern platforms make this straightforward. You choose allocations based on your goals, and a Qualified Financial Advisor (QFA) can help you set a rebalancing strategy. You get the same outcome hybrid funds promise, only cheaper, clearer, and more personalized.
Why does 1 Finance avoid recommending hybrid mutual funds?
We believe asset allocation should be personalized rather than generic, as every investor has unique needs. Hybrid mutual funds can dilute transparency, add avoidable costs, limit flexibility, and create overlaps. A personalized mix of equity, debt, and gold funds gives stronger control over risk, tax, and long-term outcomes, something hybrid funds simply can't match.
Should I consult a professional before skipping or exiting a hybrid mutual fund?
Yes. Asset allocation affects your entire financial journey. It must be personalized based on life goals that may evolve with time. A Qualified Financial Advisor (QFA) can help you evaluate your current portfolio, understand tax implications, and design the right allocation for your financial personality and long-term goals.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more