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This SBI Mutual Fund scheme turned ₹5,000 monthly SIP into ₹5.27 lakh in 5 years: 5 things to know
5 min read | Updated on July 14, 2026, 18:00 IST
SUMMARY
SBI PSU Fund touched a 52-week high NAV (Net Asset Value) of 41.33 on February 26, 2026, and a 52-week low NAV of 33.41 on August 31, 2025. As of July 13, 2026, the scheme’s NAV was 38.50.
Launched on January 2, 2013, the scheme is currently managed by Rohit Shimpi.
Before reading further, please note this exercise is for educational and informational purposes only and is not intended as a recommendation to invest in any of the schemes mentioned below.
What is SBI PSU Fund?
Launched on January 2, 2013, the scheme is currently managed by Rohit Shimpi and is benchmarked against the BSE PSU - TRI. As of June 30, 2026, the scheme's AUM was Rs 6683.53 crore.
What does the scheme's portfolio look like?
SBI PSU Fund's portfolio till June 30, 2026, included 78.46% allocation towards large-cap stocks, 12.14% towards midcap companies, 5.93% towards small-cap stocks and 3.46% in others.
The top 10 stocks in the scheme's portfolio were the following:
| Name | (%) |
|---|---|
| State Bank Of India | 16.64 |
| GAIL (India) | 9.90 |
| Bharat Electronics | 8.74 |
| Power Grid Corpn. | 8.54 |
| NTPC | 8.24 |
| Bank Of Baroda | 5.85 |
| ONGC | 5.15 |
| Bharat PetroleumCorp | 4.41 |
| Bharat Heavy Elect. | 4.03 |
| NMDC | 3.55 |
How has this scheme performed?
SBI PSU Fund touched a 52-week high NAV (Net Asset Value) of 41.33 on February 26, 2026, and a 52-week low NAV of 33.41 on August 31, 2025. As of July 13, 2026, the scheme's NAV was 38.50.
The scheme currently ranks No. 1 in its category in terms of five-year performance. The SBI PSU Fund's returns relative to the benchmark, along with its rank over periods ranging from three months to since inception, is as follows:
| Period | Returns | Benchmark | Rank |
|---|---|---|---|
| 3 Months | -1.24 | -1.93 | 119/120 |
| 6 Months | 2.55 | 0.41 | 66/115 |
| 1 Year | 8.75 | 5.30 | 38/104 |
| 3 Years | 27.14 | 23.83 | 2/51 |
| 5 Years | 24.44 | 21.72 | 1/33 |
| Since Inception | 11.87 | 73/121 |
How has the scheme helped an investor with ₹5000 monthly SIP?
Here's how a monthly ₹5000 SIP in SBI PSU Fund grew over different periods:
| Period | Total investment (₹) | Scheme (₹) | Benchmark |
|---|---|---|---|
| 1 Year | 60,000 | 62,005 | 0 |
| 3 Years | 1,80,000 | 2,16,150 | 1,20,857 |
| 5 Years | 3,00,000 | 5,27,364 | 4,00,628 |
| 10 Years | 6,00,000 | 16,19,167 | 14,35,710 |
What is the key risk investors should know?
A thematic fund typically performs well when market conditions favour the theme it tracks. However, it can undergo sharp corrections when the theme falls out of favour. Such corrections may last for short periods or extend over longer periods.
For instance, SBI PSU Fund has seen a negative return of 1.24% over the past three months. However, its one-year return stands at 8.75%. Over longer periods, the scheme generated a return of 116% between June 2, 2023, and June 3, 2024. But it also recorded a negative return of 32.58% between February 20, 2020, and March 23, 2020 (See tables below).
| Period | Date range | Fund (%) | Benchmark (%) |
|---|---|---|---|
| Month | 06-05-14 to 06-06-14 | 30.01 | 36.63 |
| Quarter | 21-02-14 to 23-05-14 | 48.84 | 57.29 |
| Year | 02-06-23 to 03-06-24 | 116.01 | 123.35 |
| Period | Date range | Fund (%) | Benchmark (%) |
|---|---|---|---|
| Month | 20-02-20 to 23-03-20 | -32.58 | -34.79 |
| Quarter | 24-12-19 to 24-03-20 | -32.73 | -38.22 |
| Year | 22-03-19 to 24-03-20 | -30.95 | -41.90 |
When investing in a thematic fund, investors should avoid going by past returns and invest only if it suits their long-term goals and risk appetite. Moreover, it is also important to consult a SEBI-approved financial advisor for guidance before investing in thematic or any other equity mutual fund scheme.
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