The SBI Equity Hybrid Fund Regular Growth is a popular Mutual Fund offered by SBI Mutual Fund. It is one of India’s largest and most. In this blog, we are going to learn about the SBI Equity Hybrid Fund Regular Growth, the largest and most trusted asset management company. These funds were launched on January 20, 2005. These funds are an aggressive hybrid fund. In this blog, we will learn about the SBI Equity Hybrid Fund Regular Growth.
What is SBI Equity Hybrid Regular Growth?
The SBI Hybrid Mutual Fund is listed among the SBI Best Fund options, and it aims to provide long-term capital appreciation while offering the liquidity of an open-ended scheme. SBI is one of the largest asset management companies. This fund is classified as an aggressive hybrid fund, meaning it invests in both equity, which is stocks, and debt instruments like bonds, etc. This aims at long-term capital appreciation.
Latest Features
Here are the key features of the SBI Equity Hybrid Fund Regular Growth:
- Current NAV: Around ₹299.99 to ₹301.145 on July 31st, 2025.
- Fund Type: It has an Open-ended scheme with no lock-in period.
- Investment Objective: Its objective is to provide long-term capital appreciation along with liquidity investing in a diversified portfolio of equities, which is appraoximate 70% and debt instruments, approximately 26%.
- Minimum Investment: SIP of ₹100 and lump sum of ₹1000.
- Expense Ratio: This is around 1.38% which is a regular plan.
- Exit Load: 1% if redeemed within 365 days.
- Fund Age: Over an age of 20 years since inception after 19 January 2005.
- Fund Size: The size of the fund is approximately ₹78,708 crore as of mid-2025.
- Fund Manager: The managers of the fund are R. Srinivasan, Rajeev Radhakrishnan, Mansi Sajeja, and Pradeep Kesavan.
Performance Analysis of SBI Equity Hybrid Fund Regular Growth
| Period | SBI Equity Hybrid Fund Regular Growth | Category Average | Nifty Hybrid 50 Index |
|---|---|---|---|
| 1 Year Return | 14.8% | 12.5% | 13.3% |
| 3 Year Return | 14.5% | 13.0% | 14.2% |
| 5 Year Return | 11.7% | 10.3% | 12.0% |
| Since Inception (CAGR) | 13.0% | 12.5% | 12.8% |
Holding Of SBI Hybrid Fund Regular Growth-31st July 2025
| Holding | Sector | Equity/Debt | % of Net Assets |
|---|---|---|---|
| HDFC Bank Ltd. | Financial | Equity | 6.87% |
| Bharti Airtel Ltd. | Communication | Equity | 4.34% |
| Solar Industries India Ltd. | Chemicals | Equity | 4.00% |
| ICICI Bank Ltd. | Financial | Equity | 3.86% |
| Kotak Mahindra Bank Ltd. | Financial | Equity | 3.85% |
| Divi’s Laboratories Ltd. | Healthcare | Equity | 3.20% |
| State Bank of India | Financial | Equity | 3.13% |
| MRF Ltd. | Automobile | Equity | 3.07% |
| Infosys Ltd. | Technology | Equity | 3.05% |
| Bajaj Finance Ltd. | Financial | Equity | 2.97% |
| Shree Cement Ltd. | Construction | Equity | 2.76% |
| Interglobe Aviation Ltd. | Services | Equity | 2.66% |
| Muthoot Finance Ltd. | Financial | Equity | 2.57% |
| Reliance Industries Ltd. | Energy | Equity | 2.48% |
| Larsen & Toubro Ltd. | Construction | Equity | 2.40% |
| Hindalco Industries Ltd. | Metals & Mining | Equity | 2.20% |
| Avenue Supermarts Ltd. | Services | Equity | 1.83% |
| Tata Consultancy Services Ltd. | Technology | Equity | 1.76% |
| Asian Paints Ltd. | Chemicals | Equity | 1.70% |
| Adani Ports and Special Economic Zone Ltd. | Services | Equity | 1.56% |
Returns Over SBI Equity Hybrid Fund Regular Growth
| Period Invested For | ₹10,000 Invested On | Latest Value | Absolute Returns | Annualised Returns | Category Avg | Rank within Category |
|---|---|---|---|---|---|---|
| 1 Week | 24-Jul-25 | ₹9,859.90 | -1.40% | – | -0.90% | 28/30 |
| 1 Month | 30-Jun-25 | ₹9,770.00 | -2.30% | – | -1.37% | 28/30 |
| 3 Month | 30-Apr-25 | ₹10,391.50 | 3.91% | – | 4.28% | 14/30 |
| 6 Month | 31-Jan-25 | ₹10,914.50 | 9.14% | – | 6.41% | 2/30 |
| YTD | 01-Jan-25 | ₹10,827.20 | 8.27% | – | 2.91% | 1/30 |
| 1 Year | 31-Jul-24 | ₹10,737.70 | 7.38% | 7.38% | 1.66% | 2/30 |
| 2 Year | 31-Jul-23 | ₹13,471.10 | 34.71% | 16.04% | 15.31% | 13/30 |
| 3 Year | 29-Jul-22 | ₹14,921.30 | 49.21% | 14.23% | 15.37% | 16/30 |
| 5 Year | 31-Jul-20 | ₹21,638.30 | 116.38% | 16.68% | 18.04% | 16/28 |
| 10 Year | 31-Jul-15 | ₹30,787.00 | 207.87% | 11.89% | 11.32% | 10/20 |
| Since Inception | 20-Jan-05 | ₹1,75,330.30 | 1653.30% | 14.96% | 13.30% | 8/29 |
How the Fund Invests: Strategy and Sector Exposure
The SBI Equity Hybrid Fund Regular Growth follows an active investment strategy where the fund manager actively selects the stocks and bonds to invest in, as per the market conditions and the fund’s investment objective. The fund also invests primarily in large-cap stocks to provide stability and in mid-cap or small-cap stocks for growth opportunities.
Sector Exposure ( As of 1st August 2025)
- Financials: 27%
- Technology: 20%
- Healthcare: 12%
- Consumer Goods: 10%
- Industrials: 8%
- Telecom: 6%
- Energy: 5%
- Other: 12%
Who Should Invest?
The SBI Equity Hybrid Fund Regular Growth is ideal for different people. These people are:
- Investors with Moderate to high risk tolerance for people who are seeking to participate in the equity markets but prefer the cushion provided by debt instruments.
- Long-term Investors are aiming for higher capital appreciation over the period and are willing to accept short-term market volatility.
- It is for those who are looking for a medium to long-term investment horizon to potentially benefit from market growth.
- Someone who wants to invest with a relatively low minimum investment via SIP of ₹100 or a lump sum.
- Are comfortable with some exposure to equity market volatility, but also want some stability from debt.
- Are tax-aware, considering short-term capital gains taxed at 20% and long-term gains over ₹1.25 lakh taxed at 12.5% after 1 year holding.
Costs and Taxation
Cost
- Expense Ratio: The cost of managing standard plans is approximately 1.38%.
- Exit Load: If you sell within a year, it’s 1%; after that, there’s no charge.
Taxation
If you make money quickly, it’s taxed at 20% if you hold investments for less than a year. Longer gains over ₹1.25 lakh are taxed at 12.5% after one year.
Other Costs
There is no lock-in period, so you can exit, especially after one year, without additional cost, except for the applicable tax.
Platform and Regulatory Update
Given here are the 4 brief points on the Platform and Regularities updates for the SBI Equity Hybrid Fund Regular Growth:
- SEBI Guidelines: The Securities and Exchange Board of India (SEBI) continues to regulate and set standards for mutual funds, ensuring transparency, investor protection, and fair practices across the industry.
- Direct and Regular Plans: The Fund has offered both direct and regular plans. Direct plans have a lower expense ratio since they do not involve intermediaries; on the other hand, regular plans involve distribution and carry higher fees.
- Taxation Updates: The plan is also subject to the latest tax laws, which include short-term capital gains, which are taxed at around 20% for assets held for less than 1 year. This also included a long-term capital plan, which involved a 12.5% tax on gains exceeding 1.2 Lakh after one year.
- RBI Interest Rate Impact: The Reserve Bank of India’s monetary policy can influence bond yields and debt instruments in the fund, affecting overall returns, especially during periods of rising interest rates.
Pros & Cons Of SBI Hybrid Fund Regular Growth
The following are the pros and cons of SBI Hybrid Funds’ regular growth option.
Pros
- It has a diversified portfolio with approximately 70 to 80% in equities and 20 to 26% in debt instruments. That means it balances growth and risk.
- Its strategy is combined with bottom-up stock selection, with dynamic debt allocation for risk management with this investment.
- It does not require any lock-in period, which allows liquidity whenever needed.
- It has an Exit Load of 1% only if redeemed within 365 days, else no exit load.
- No entry load, which reduced the upfront investment cost.
- Historically decent returns: approximately 14-16% annualised over the long term.
- Managed by experienced fund managers with a long track record.
- Suitable for moderate to aggressive investors seeking medium to long-term capital appreciation.
Cons
- Because around 20–30% of the investment money is put into things like bonds, which usually make less money than stocks, gains might be smaller when investments are only in stocks are doing great.
- It is not a good choice for people who want to invest for a short time because market problems can hurt gains quickly; the way the fund invests is better for investments held for a longer time.
- Even with different kinds of investments, the fund’s investment in stocks, especially in medium- and small-sized companies, can be greatly hurt by market problems, especially when the economy is bad or markets quickly drop.
- Because of higher costs for managing and selling, having to pay an expense ratio all the time (which is now about 1.38% for the normal plan) means smaller overall gains when compared to investing directly in other mutual funds.
- When interest rates keep going up, putting money in bonds may also lower gains because the value of bonds goes down.
Alternative Options of SBI Hybrid Fund Regular Growth
| Scheme Name | Crisil Rank | Asset Size (Cr) | 1M | 3M | 6M | 1Y | 3Y |
|---|---|---|---|---|---|---|---|
| Motilal Oswal Asset Allocation Passive Fund of Fund – Aggressive – Growth | NA | 86.05 | 0.35 | 6.89 | 8.04 | 8.93 | 16.3 |
| Bandhan Aggressive Hybrid Fund – Regular Plan – Growth | 3 | 988.65 | 0.15 | 6.23 | 9.99 | 7.07 | 15.84 |
| PGIM India Aggressive Hybrid Equity Fund – Growth | 5 | 219.74 | -0.52 | 3.57 | 5.85 | 5.48 | 13.77 |
| DSP Aggressive Hybrid Fund – Regular Plan – Growth | 4 | 11417.61 | -1.3 | 1.86 | 6.7 | 5.28 | 16.42 |
| ICICI Prudential Equity & Debt Fund – Growth | 4 | 44552.28 | -1.02 | 2.64 | 8.07 | 4.09 | 20.02 |
| Invesco India Aggressive Hybrid Fund – Growth | 5 | 741.62 | -1.84 | 3.96 | 4.16 | 3.72 | 17.24 |
| HDFC Hybrid Equity Fund – Growth | 3 | 24854.06 | -1.23 | 3.48 | 6.52 | 2.77 | 14.19 |
| Edelweiss Aggressive Hybrid Fund – Growth | 5 | 2925.62 | -1.98 | 3.76 | 6.52 | 2.63 | 18.19 |
| Nippon India Aggressive Hybrid Fund – Growth | 3 | 3987.84 | -1.11 | 3.61 | 6.79 | 2.53 | 16.34 |
| Union Aggressive Hybrid Fund – Regular Plan – Growth | 2 | 669.76 | -1.48 | 4.29 | 7.02 | 2.45 | 13.75 |
Conclusion
The SBI Equity Hybrid Fund Regular Growth stands out as a solid option for investors who are seeking a blend of growth and stability. With its diversified portfolio of equities and debt instruments, it offers long-term capital appreciation while managing the risk. The fund has been around for over 20 years, demonstrating a consistent track record of returns, making it a reliable choice for those with a moderate to high risk tolerance. Its open-ended structure, no lock-in period, and low minimum investment requirement make it accessible to a wide range of investors.
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