SBI Small Cap Fund Regular Plan Growth and mutf_in: sbi_smal_cap_my8974 is an equity mutual fund with a primary focus on small-cap companies. This fund started on September 9, 2009. Its performance is benchmarked against the BSE 250 SmallCap Total Return Index. The fund aims to generate wealth over time through investments in the stocks of smaller companies with high growth potential. The fund is classified as “very high” risk on SEBI’s riskometer, which makes this fund suited for only those who have a higher risk appetite while being able to invest for the long term.
Latest Features and Key Details
- Net Asset Value (NAV) as of July 31, 2025: ₹156.72.
- The total amount of money under management: ₹35,696.19 crore.
- The fee for managing the fund (Regular Plan) is: 1.57%.
- The minimum amount you can invest all at once: ₹1,000.
- The minimum amount you can invest more in the future: ₹1,000.
- The minimum amount you can invest regularly every month (SIP): ₹1,000.
- If you take back your money within one year, as it is a lock-in period, you have to pay 1% of your investment as a fee. Otherwise, there is no fee.
- Breakdown of the fund: 91.8% is in equities, 0.16% in fixed income, and 8.04% in cash, other investments, or other situations.
SBI Small Cap Fund Regular Plan Growth Performance Analysis
SBI Small Cap Fund has shown good performance over the long term, even though there have been some ups and downs in the small-cap market.
| Period | Investment Date | Amount Invested | Current Valur (₹) | Absolute Return |
|---|---|---|---|---|
| 1 Year | 31-Jul-24 | ₹10,000 | ₹9,392.10 | -6.08% |
| 2 Years | 31-Jul-23 | ₹10,000 | ₹13,266.10 | 32.66% |
| 3 Years | 29-Jul-22 | ₹10,000 | ₹16,560.90 | 65.61% |
| 5 Years | 31-Jul-20 | ₹10,000 | ₹33,979.60 | 239.80% |
| 10 Years | 31-Jul-15 | ₹10,000 | ₹52,466.90 | 424.67% |
SIP Returns
| Period | SIP Start Date | Total Investment (₹) | Current Value (₹) | Absolute Return |
|---|---|---|---|---|
| 1 Year | 31-Jul-24 | ₹12,000 | ₹12,123.15 | 1.03% |
| 2 Years | 31-Jul-23 | ₹24,000 | ₹26,387.25 | 9.95% |
| 3 Years | 29-Jul-22 | ₹36,000 | ₹44,692.28 | 24.15% |
| 5 Years | 31-Jul-20 | ₹60,000 | ₹95,082.91 | 58.47% |
The fund did very well during periods when the market was rising, but may not perform as well when the market is falling or swinging a lot.
How the Fund Invests: Strategy and Sector Exposure
The fund picks stocks based on the company’s fundamentals, looking for strong small companies, growing quickly, and having good potential before they become widely known. The fund spreads its investments across 50 to 60 different stocks, and it limits how much it invests in any one industry or single company to reduce risk.
Top 10 Holdings (as of July 2025):
| EID-Parry (India) Ltd. | Other Agricultural Products |
| SBFC Finance Ltd. | NBFC |
| Kalpataru Power Transmission Ltd. | Civil Construction |
| City Union Bank Ltd. | Private Sector Bank |
| Deepak Fertilisers & Petrochemicals Corp. Ltd. | Commodity Chemicals |
| Chalet Hotels Ltd. | Hotels & Resorts |
| K.P. R. Mill Ltd. | Textiles |
| Cholamandalam Financial Holdings Ltd. | Investment Company |
| Doms Industries Ltd. | Stationery |
| Krishna Institute of Medical Sciences Ltd. | Hospital Services |
The fund invests in various sectors, with a big focus on financial services, manufacturing, agriculture-related businesses, and healthcare. More than 91% of the fund’s money is in stocks, while the remaining is in cash, short-term investments, and debt.
Who Should Invest in SBI Small Cap Fund Regular Plan Growth?
Here are the details for whom this plan is best suited:
- Those who are rooting for a bigger investment and seek long-term capital appreciation.
- Investors who are willing to keep their money invested for at least 7 to 10 years and can handle short-term ups and downs in the market.
- People who are comfortable taking on higher risk, as the fund is exposed to small-cap stocks, which are more volatile.
- Those who want to invest regularly through a SIP to spread out the impact of market fluctuations over time.
Costs and Taxation
Costs:
- Expense Ratio: 1.57% for the regular plan, which is close to the average for similar funds.
- Exit Load: A 1% fee is charged if you sell the units before holding them for a full year; otherwise, there is no exit load.
Taxation:
- If the investment is held for less than 12 months, any gains are considered short-term capital gains.
- Gains above ₹1 lakh in a year are taxed at 10%, plus additional charges, which bring the effective tax rate to around 11-12%.
Platform and Regulatory Update
- The fund can be invested in through all major investment platforms and follows the latest rules and guidelines set by SEBI, including risk ratings and disclosures.
- SBI Mutual Fund updates the fund’s portfolio, performance, and risk level every month to keep investors informed.
- As of 2025, the SBI Small Cap Fund is still categorized as “Very High” risk, meaning it has the potential for high returns but also for steep drops in value.
SBI Small Cap Fund Regular Plan Growth: Advantages and Disadvantages
Such a growth plan can have its own pros and cons and involves both benefits and risks of its own:
| Advantages | Disadvantages |
|---|---|
| Strong long-term performance | Very high short-term risk/volatility |
| Well-diversified across 50+ small caps | Can underperform in bearish markets |
| Managed by SBI’s experienced AMC | Not for conservative/short-term investors |
| Suitable for SIP & rupee-cost averaging | Liquidity can dry up in extreme downturns |
| Transparent, updated disclosures | Requires patience and risk tolerance |
Alternatives to SBI Small Cap Fund Regular Plan Growth
| Fund Name | AUM (₹ Cr) | 1-Year Return | 5-Year CAGR | Expense Ratio (Reg.) | Risk |
|---|---|---|---|---|---|
| SBI Small Cap Fund | 35,820 | -4.00% | 27.50% | 1.56% | Very High |
| Nippon India Small Cap Fund | 66,600 | -5.20% | 26.90% | 1.68% | Very High |
| HDFC Small Cap Fund | 35,780 | 2.30% | 25.40% | 1.66% | Very High |
| Axis Small Cap Fund | 26,380 | 3.10% | 27.20% | 1.61% | Very High |
| Quant Small Cap Fund | 29,630 | -6.50% | 32.50% | 2.14% | Very High |
| Kotak Small Cap Fund | 13,950 | -5.10% | 25.90% | 1.59% | Very High |
Conclusion
SBI Small Cap Fund Regular Plan Growth is an excellent option for investors looking to take advantage of the exciting growth potential in the small-cap market in India. The fund has displayed good performance in the past, but is fairly volatile over the short and medium term. This fund is best suited for investors who can be patient and stay invested in this fund for seven to ten years as they deal with fluctuations and volatility. Should you wish to invest in this fund, it is better to invest through regular SIPs. The fund already has a strong history, disciplined processes, and exposure to growth companies. This fund is a strong option for your portfolio, but only if you are comfortable with the risk and can demonstrate patient investing.
You can also Read about:
