One of the greatest financial roles of Indian parents is planning the future of a child. The inflation, increased living expenses and increased education costs make long term investing necessary and not optional. The sbi magnum children’s benefit fund- Investment Plan Direct Growth is one of such funds is a One way to meet these needs is by having child specific mutual funds that have been popular over the years.
The aim of this fund is to assist parents in investing in a corpus that will support the education, marriage, or any other long-term goals of their child with the help of formal investments. As a hybrid fund, the risk profile is extremely high, and thus it is a mix of equity growth potential and debt stability; hence, it is a good investment option when the investor has a long-time horizon.
We will discuss about SBI Magnum Children’s Benefit Fund – Nav, direct growth, Pros and Cons,Performance and more
SBI Magnum Children Benefit Fund Overview
SBI Magnum Children Benefit Fund is a mutual fund scheme which is a hybrid children fund and is offered by SBI mutual fund. It is structured such that it produces long term capital growth through investment in equities, debt and money market securities. The fund has a 5-year lock-out period that will guarantee disciplined long-term investment. Considering its high equity exposure, it is included in the category of Very High Risk and is therefore suitable for people who can withstand market volatility and stay in the market during long periods of time.
| Parameter | Details |
| Fund Name | SBI Magnum Children’s Benefit Fund -Investment Plan Direct Growth |
| Fund Category | Hybrid |
| Sub-Category | Children’s Fund |
| Risk Level | Very High |
| Inception Date | 29 September 2020 |
| Fund Age | ~5 Years |
| NAV (12 Dec 2025) | ₹48.21 |
| Expense Ratio | 0.86% |
| AUM | ₹5,052.54 Crore |
| Lock-in Period | 5 Years |
| Exit Load | 1% within 1095 days |
| Fund Managers | R. Srinivasan, Lokesh Mallya |
About SBI Funds Management Ltd
SBI Mutual Fund is one of India’s oldest and most trusted mutual fund houses, known for its robust investment processes and wide investor base.
| Detail | Information |
| AMC Name | SBI Funds Management Ltd |
| Established | 1987 |
| Sponsor | State Bank of India |
| Joint Venture | SBI & Amundi (France) |
| Total AUM | ₹5,04,390.41 Crore |
| Total Schemes | 145 |
| Address | Crescenzo, Mumbai – 400051 |
| Contact | +91 22 6179 3000 |
SBI Magnum Children Benefit NAV and Recent Performance Snapshot
The Net Asset Value (NAV) is the market value on each unit of the fund. An increase in the NAV with time shows creation of wealth to investors. The NAV of SBI Magnum Children Benefit Fund -Direct Growth as of 12 December 2025 is 48.21 which is the long-term growth of its initial NAV of 10.
| Metric | Value |
| Current NAV | ₹48.21 |
| Initial NAV | ₹10 |
| NAV Growth Since Inception | ~4.8x |
| 1-Day Change | +0.15% |
1-Month NAV Trend Table (Latest to Oldest)
| Date | Investment Plan – Regular Growth NAV (₹) | Daily Change (%) | Savings Plan – Direct NAV (₹) | Trend Summary |
| Dec 12, 2025 | 45.1056 | -0.07% | 120.636 | Slight dip, market stabilizing |
| Dec 11, 2025 | 45.1056 | +0.72% | 120.57 | Equity rebound day |
| Dec 10, 2025 | ~45.00 | -0.50% | 120.50 | Mild equity correction |
| Dec 05, 2025 | 44.80 | -1.20% | 120.45 | Short-term volatility peak |
| Nov 28, 2025 | 45.50 | +0.30% | 120.40 | Recovery phase |
| Nov 25, 2025 | 45.91 | -0.80% | 120.35 | Profit booking |
| Nov 20, 2025 | 46.30 | +1.10% | 120.30 | Strong equity up-move |
| Nov 15, 2025 | 45.80 | -0.90% | 120.25 | Market uncertainty |
| Nov 14, 2025 | 45.91 | Baseline | 120.20 | 1-month starting point |
SBI Magnum Children Benefit Lock-in Period Explained
One of the major characteristics of SBI Magnum Children Benefit fund is its compulsory lock-in.
- The investments are fixed over 5 years of the date of allotment or.
- The later of the age of 18 years and the age of the child.
- The long term Financial discipline is imposed due to the inability to redeem or switch units during this lock-in period of time.
Exceptions
Early redemption can only be made in special situations like:
- Death of the unit holder
- Gifting investment to a different child (documented)
SBI Magnum Children Benefit Returns Since Inception
Children’s funds highly rely on long-term returns because the investment period of children funds is usually more than 10 years. This fund has since provided good annualized returns since inception which is supported by equity exposure.
Return Performance
| Period | Returns |
| Since Inception (p.a.) | 35.31% |
| 3-Year CAGR | 24.14% |
| 1-Year Return | 7.30% |
| 6-Month Return | 10.47% |
| 3-Month Return | 3.56% |
| 1-Month Return | -0.72% |
| 1-Week Return | -0.09% |
Short-term volatility is normal due to equity exposure, while long-term performance remains strong.
SBI Magnum Children Benefit SIP Returns Illustration
Systematic Investment Plans (SIPs) are ideal for child-focused funds as they promote disciplined investing and reduce timing risk. The SIP illustration below demonstrates the power of compounding over long periods.
SIP Illustration (Example)
| Parameter | Value |
| Monthly SIP Amount | ₹4,000 |
| Investment Period | 20 Years |
| Total Investment | ₹9.6 Lakhs |
| Estimated Returns | ₹14.64 Lakhs |
| Final Value | ₹14.73 Lakhs |
| Absolute Return | 152.45% |
Note: Returns are indicative and not guaranteed.
SBI Magnum Children Benefit Risk Profile and Suitability
Child-centered funds need to be run using Systematic Investment Plans (SIPs) because they encourage discipline in investment and they minimize timing risk. The SIP figure below shows the power of compounding in the long run. This fund is classified in the category of Very High Risk, and the main reason is that it is highly allocated in equities. Although this adds volatility in the short run, this adds potential in long-term returns.
Who Should Invest?
- Parents anticipating the long term child goals (10 years and above).
- High risk investors.
- Investors of SIP who want to create wealth.
- Those who are at ease with the market fluctuations.
Who Should Avoid?
- Short-term investors
- Capital-protection-oriented or conservative investor.
- Individuals who might require liquidity within a time period of less than 5 years.
SBI Magnum Children Benefit Expense Ratio and Exit Load
The cost percentage has a direct relationship with net returns to the long-term investors. The expense ratio of SBI Magnum Children Benefit Fund is fair to a hybrid fund.
| Cost Component | Details |
| Expense Ratio | 0.86% |
| Exit Load | 1% if redeemed within 1095 days |
| Lock-in Period | 5 Years |
SBI Magnum Children Benefit Taxation Rules
Understanding taxation is crucial when investing in mutual funds. Since this fund has equity exposure above 65%, it follows equity taxation rules.
Tax Treatment
| Tax Type | Rule |
| Short-Term Capital Gains (STCG) | 20% if redeemed within 1 year |
| Long-Term Capital Gains (LTCG) | 12.5% on gains above ₹1.25 lakh after 1 year |
SBI Magnum Children Benefit Portfolio Allocation – Top Holdings
The fund invests across equity, debt, and money market instruments. Its diversified portfolio reduces concentration risk while maintaining growth potential.
Top Holdings
| Holding Name | Allocation (%) |
| TREPS | 20.54% |
| Hatsun Agro Product Ltd | 5.20% |
| Muthoot Finance Ltd | 5.19% |
| Thangamayil Jewellery Ltd | 4.78% |
| State Bank of India | 4.07% |
Sector Allocation Overview
Sector diversification helps manage risk and improve consistency of returns.
Major Sector Exposure
- Financial Services
- Consumer Goods
- Jewellery & Retail
- Banking
- Money Market Instruments
SBI Magnum Children Benefit Peer Comparison
Comparing similar funds helps investors evaluate relative performance, size, and risk.
Peer Funds Comparison
| Fund Name | AUM (₹ Cr) | NAV | Risk Level |
| SBI Magnum Children’s Benefit Fund | ₹5,052 | ₹48.21 | Very High |
| SBI Multi Asset Allocation Fund | ₹12,012 | ₹72.11 | High |
| ICICI Prudential Multi-Asset Fund | ₹75,067 | ₹897.75 | Very High |
| Kotak Multi Asset Omni Fund | ₹2,177 | ₹273.53 | Very High |
| Axis Multi Asset Allocation Fund | ₹1,786 | ₹50.96 | Very High |
SBI Magnum Children Benefit Fund Management Team
The performance of any mutual fund depends significantly on the expertise of its fund managers.
Fund Managers
| Name | Experience |
| R. Srinivasan | Senior fund manager with equity expertise |
| Lokesh Mallya | Specialist in hybrid & asset allocation |
How to Invest in SBI Magnum Children’s Benefit Fund
The investors are able to invest online and offline.
Online Method
Open platforms like the SBI Mutual Fund website, Groww, Paytm Money, Zerodha Coin, or Upstox Choose Direct or Regular plan then Select SIP or lump sum and Type child and guardian details then Complete payment through UPI or net banking.
Offline Method
- Send physical application form to SBI branches.
- Present child birth certificate, guardian PAN and KYC documents.
- NRIs have a chance to invest in platforms such as SBNRI, on a case-by-case basis.
Investing Through Upstox
Commission-free investing in the Investment Plan Direct Growth variant is available with Upstox.
- Current NAV: ~₹48.21
- Expense Ratio: 0.86%
- Minimum SIP: 500 -1000 (depending on platform)
This is a very easy procedure, which includes searching the fund, the type of investment to make, and paying UPI.
SBI Magnum Children Benefit Goal Planning: Calculators
SIP and lump sum calculators help parents estimate the corpus they will need in the future. SBI Children Education Calculator assists in planning an investment based on goals. SIP calculators estimate returns on a monthly basis on the basis of anticipated CAGR. The growth of Lumpsum calculators is calculated by making use of compound interest formulas which, using the assumptions of a conservative rate of return (12 to 15 percent) are more realistic.
SBI Magnum Children Benefit Pros and Cons
| Advantages | Limitations |
| Strong long-term return potential due to equity exposure | Very high risk profile, not suitable for risk-averse investors |
| Specifically designed for children’s future goals like education | Mandatory 5-year lock-in period limits liquidity |
| SIP-friendly with low minimum investment amount | Short-term volatility possible because of market movements |
| Backed by the trusted SBI Mutual Fund brand | Returns are not 100% guaranteed return its depend only on market performance |
Is SBI Magnum Children’s Benefit Fund Worth Investing?
This fund can be excellent in case you want to create long-term wealth of your child and you can hold on to it during both positive and negative market cycles. Its growth approach, which is based on equity considerations and sound asset allocation makes it fit the 10 20 year long education and marriage planning objectives.
The investors should however be at ease with the volatility and they are not supposed to make early withdrawals because of the lock-in period.
Conclusion
SBI Magnum Children Benefit Fund Investment Plan Direct Growth is a highly designed hybrid fund, which targets the planning of child financial goals, which are long-term in nature. Having a good performance in the past, diversified holdings and the credibility of SBI mutual fund, this is a safe choice to parents who would be willing to take calculated risk in order to get higher returns. This fund can contribute effectively to the securing of the financial future of a child when used together with disciplined SIP investing and a long investment horizon.
FAQs
Yes, the fund has a lock-in of 5 years that is mandatory.
₹1,000 per month.
Yes it is rated as Highly Risky.
Yes, the minimum lump sum investment will be 5,000.
Yes, it perfectly aligns with the long-term objectives related to children.
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