One of the most well-known value-oriented mutual funds in India is the SBI Contra Fund-Growth, which the SBI Mutual Fund manages. It has a contrarian style of investing, investing in companies that are out of favor in the market, but have strong fundamentals. The method enables investors to enjoy long-term capital gain. On 6th August 2025, the fund has a Net Asset Value (NAV) of Rs 374.81, and it still remains one of the best-performing value-based schemes.
SBI Contra Fund Regular Growth Overview
| Particulars | Details |
|---|---|
| Fund House | SBI Mutual Fund |
| Launch Date | 9 May 2005 |
| Fund Type | Open-ended |
| Investment Category | Equity: Value-Oriented |
| Benchmark | Nifty 500 Value 50 TRI |
| NAV (Aug 6, 2025) | ₹374.81 |
| Return Since Launch | 19.04% |
| Riskometer | Very High |
| Fund Size (AUM) | ₹45,495.71 Cr |
| Expense Ratio | 1.50% |
| Risk Grade | Low |
| Return Grade | High |
Investment Objective
The SBI Mutual Fund scheme aims to offer long-term capital growth by investing in a diversified mix of equity and related instruments across all market capitalizations. Launched on March 8, 2022, it follows the Nifty 500 Multicap 50:25:25 Total Return Index as its benchmark. The scheme carries a very high risk but has delivered a return of 16.85% since launch.
| Detail | Information |
|---|---|
| Fund House | SBI Mutual Fund |
| Launch Date | March 08, 2022 |
| Benchmark | Nifty 500 Multicap 50:25:25 Total Return Index |
| Return Since Launch | 16.85% |
| Riskometer | Very High |
| Type | Open-ended |
| Risk Grade | Below Average |
| Return Grade | Below Average |
What is SBI Contra Fund: mutf_in:sbi_cont_reg_us1q75?
The SBI Contra Fund Regular Plan Growth is a mutual fund scheme launched by SBI Mutual Fund. The code of the SBI Contra Fund Regular Plan Growth is mutf in: sbi cont reg us1 q75.
This equity-oriented fund was launched on May 9, 2005, to achieve long-term capital appreciation, whereby it invests in a diversified portfolio of equity and equity-related securities and specifically seeks to invest in undervalued stocks that the market has ignored.
It is benchmarked against the Nifty 500 Value 50 Total Return Index and has a risk rating of 9 in the SEBI riskometer, which is very high. An expense ratio of about 1.54 percent of the regular plan and a recent NAV of around 374-388 make the fund worth about 39,590 crores as per recent figures. It has a minimum amount of 5,000 lump sum and 500 rupees in SIP (Systematic Investment Plan), and there is a 1% exit load to be charged in case a unit is transferred within one year of investment.
The portfolio of the fund is largely focused on large-cap stocks, where it holds huge stocks in HDFC Bank, Reliance Industries, and ITC Limited in the proportions of 8.54 percent, 6.24 percent, and 3.41 percent, respectively. Its long investment performance records have provided a competitive return on its investors, with a 5-year annualized performance return of more than 30% and a since-inception return of about 19%, which only allows its investors with high knowledge of market trends and the ability to withstand high volatility to potentially meet higher returns.
SBI Mutual Fund
SBI Mutual Fund is an open-ended equity mutual fund scheme that has a contrarian approach to investment, aiming at long-term capital appreciation through a variety of equity and equity securities in the portfolio.
Key Highlights of SBI Contra Fund-Growth
- Current NAV: 374.81 rupees on August 6, 2025.
- Good Returns: It has provided 30.04% returns, which are annualized in 5 years, despite the volatility prevalent in the markets.
- Huge Fund size: Rs 15495.71 crore as of May 31, 2025.
- Competitive Expense Ratio: 1.50 percent of Regular Plan (below average for the category).
- Low Exit Load: 1 percent in case of redemption within 1 year.
- Small SIP Start: The smallest possible amount of a SIP is simply Rs. 500.
SBI Contra Fund-Growth Returns Performance
| Period | Fund Returns (%) | Category Avg (%) | Rank in Category |
|---|---|---|---|
| 1 Month | -3.90 | -4.02 | 15/37 |
| 3 Months | 1.95 | 3.03 | 29/37 |
| 6 Months | 2.22 | 2.47 | 21/35 |
| 1 Year | -1.26 | -2.08 | 13/31 |
| 3 Years | 20.59 | 18.77 | 8/25 |
| 5 Years | 30.04 | 23.24 | 1/20 |
Observation – It has performed better on a medium- and long-run basis than the category averages, with the vastly raised performance being witnessed on the 5-year basis.
Peer Comparison
| Scheme Name | NAV (₹) | AUM (Cr) | 1 Month (%) | 1 Year (%) | 3 years (%) | 5 years (%) |
|---|---|---|---|---|---|---|
| SBI Contra Fund-Growth | 374.81 | 45,495.71 | -3.90 | -1.26 | 20.59 | 30.04 |
| ICICI Prudential Value Fund-Growth | 461.59 | 54,096.42 | -2.80 | 4.31 | 21.41 | 25.80 |
| DSP Value Fund Regular-Growth | 21.14 | 1,041.67 | -2.44 | 5.47 | 17.67 | – |
| Templeton India Value Fund-Growth | 698.35 | 2,298.64 | -4.06 | -5.00 | 18.99 | 27.50 |
Asset Allocation
| Asset Class | Allocation (%) |
|---|---|
| Equity | 89.70 |
| Debt | 6.20 |
| Others | 4.10 |
The fund has a high equity exposure, making it suitable for aggressive investors seeking long-term growth.
Sector Allocation
| Sector | Allocation (%) |
|---|---|
| Financial | 27.76 |
| Energy | 15.57 |
| Technology | 8.29 |
| Healthcare | 7.57 |
| Consumer Staples | 6.81 |
| Others | 34.00 |
Insight—The fund is overweight in Financials and Energy, which have shown resilience in past cycles.
Market Capitalization Allocation
| Market Cap | Allocation (%) |
|---|---|
| Giant Cap | 47.50 |
| Large Cap | 20.85 |
| Mid Cap | 22.73 |
| Small Cap | 8.85 |
| Tiny Cap | 0.06 |
The blend of large and mid-caps ensures stability with growth potential.
Top Stock Holdings (June 2025)
| Company | Sector | Weight (%) | P/E Ratio | EPS-TTM (₹) | 1-Year Return (%) |
|---|---|---|---|---|---|
| HDFC Bank | Financial | 8.54 | 21.68 | 92.04 | 22.29 |
| Nifty 50 | Financial | 7.97 | – | – | – |
| Reliance Industries | Energy | 6.24 | 23.07 | 60.23 | -4.92 |
| Bank Nifty | Financial | 4.17 | – | – | – |
| ITC | Consumer Staples | 3.41 | 14.83 | 27.88 | -16.37 |
| Kotak Mahindra Bank | Financial | 2.92 | 20.68 | 96.31 | 12.71 |
| Punjab National Bank | Financial | 2.34 | 7.24 | 14.46 | -10.44 |
| Biocon | Healthcare | 2.15 | 48.05 | 7.58 | 3.91 |
| GAIL (India) | Energy | 2.09 | 9.58 | 17.70 | -27.24 |
| Torrent Power | Energy | 2.01 | 24.90 | 54.53 | -25.47 |
Expense Ratio & Charges
| Charge Type | Details |
|---|---|
| Expense Ratio | 1.50% |
| Exit Load | 1% if redeemed within 1 year |
| Minimum Investment | ₹5,000 |
| Minimum Additional Investment | ₹1,000 |
| Minimum SIP Investment | ₹500 |
Advantages of Investing in SBI Contra Fund-Growth
- Proven Track Record—A 19.04% return since its inception in 2005.
- Best 5-Year Returns—Came in at 1st in category.
- Contrarian Strategy—Seeks out cheap prospects.
- Healthy Diversification—91+ investments in diverse sectors.
- The liquidity is high- exit and entry into open-ended structures is easy.
Risks & Considerations
- Very High Risk—This is because of high equity exposure.
- Short-Term Volatility—Negative short-term returns may occur.
- Sector Concentration Risk—Big exposure in the financial and energy sectors.
Who should invest?
SBI Contra Fund-Growth is suited to:
- Long-term investors (long-term horizon, 5+ years).
- Investors who do not object to near-term instability.
- Investors who want a contrarian exposure to diversified equity.
- SIP investors who desire high compounding potential.
SIP Illustration
By putting in an average rate of 30% in 5 years with an investment of 10,000/Month, the corpus can balloon up considerably.
| Year | Total Investment (₹) | Expected Value (₹) |
|---|---|---|
| 1 | 120,000 | 140,000 |
| 3 | 360,000 | 600,000 |
| 5 | 600,000 | 1,400,000+ |
Conclusion
SBI Contra Fund-Growth is a good investment that may suit those investors willing to invest long-term and who subscribe to value investing as well. Through its contrarian nature, the fund targets providing unique opportunities in low-priced industries in different areas to generate higher returns in the long run.
Its performance across multiple sectors, solid performance record, and performance leadership in returns across the last 5 years make it a good option for investors who are in search of capital growth. Nonetheless, it is an ideal investment instrument for an investor with a high risk appetite and investment horizon of at least 5 to 7 years due to its very high risk value.
FAQs:
Ans. Yes, if you are willing to stay invested for at least 5 years and handle short-term fluctuations.
Ans. You can start with ₹500 in SIP or ₹5,000 as a lump sum.
Ans. It has delivered 30.04% annualized returns in the past 5 years.
Ans. It is marked as Very High Risk, suitable for aggressive investors.
Ans. Financials, Energy, and Technology sectors.
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