Looking to invest in the safe and best SBI mutual funds in 2025? SBI Mutual Fund has a variety of fund schemes for both new and experienced investors to select from. Whether your goal is long-term wealth creation or consistent short-term growth, these funds can help you make better investing decisions.
There are 81 main schemes offered by SBI Mutual Fund. Of these, 44 equity funds, 22 debt schemes, 11 hybrid schemes, and 4 additional schemes are offered by the SBI AMC.
Some top SBI mutual funds for 2025 will be discussed in this article, along with their most recent NAV, historical performance, SIP choices, and major risks.
Top SBI Mutual Funds to Invest
The 3 top mutual fund schemes for 2025, as per ET Money, are discussed below-
1. SBI PSU Fund Direct-Growth
SBI PSU Fund Overview
As of 11 Sep 2025, SBI PSU Fund Direct-Growth has a NAV of Rs. 34.74 and its fund manager is Rohit Shimpi. SBI PSU Fund Direct-Growth has an AUM of Rs. 5179 Cr.
|
Return or Risk |
Return Outperformance |
Exit Load |
|
Performing poorly in its category. |
Over the past 5 years, this fund has produced the highest return amongst Thematic-PSU funds. |
0.50% if redeemed within one month. |
SBI PSU Fund Key Details
|
Fund House |
SBI Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.84% as of Aug 31, 2025 |
|
Benchmark |
BSE PSU TRI |
|
Min. Investment |
SIP- Rs. 500 and Lumpsum- Rs. 5000 |
|
Risk |
Very High |
|
5-Year Returns |
295.91% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs. 1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
96.24% |
|
Debt |
0.1% |
|
Other |
3.66% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
State Bank of India |
15.38% |
|
Bharat Electronics Ltd. |
9.25% |
|
NTPC Ltd. |
9.2% |
2. SBI ELSS Tax Saver Fund Direct-Growth
SBI ELSS Tax Saver Fund Overview
As of 11 Sep, 2025, SBI ELSS Tax Saver Fund Direct-Growth has a NAV of Rs. 472.64.
|
Return or Risk |
Volatility Protection |
Return Outperformance |
|
20% more returns for every unit. |
Among the best in protecting against volatility in its category. |
Produced the highest return over the previous 10 years among ELSS funds. |
SBI ELSS Tax Saver Fund - Key Details
|
Fund House |
SBI Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.95% as of Aug 31, 2025 |
|
Benchmark |
BSE 500 TRI |
|
Min. Investment |
SIP- Rs. 500 and Lumpsum- Rs. 1000 |
|
Risk |
Very High |
|
5-Year Returns |
215.23% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs. 1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
94.21% |
|
Debt |
0.13% |
|
Other |
5.66% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
HDFC Bank Ltd. |
9.09% |
|
Reliance Industries Ltd. |
5.11% |
|
ICICI Bank Ltd. |
3.46% |
Explore Tata Mutual Fund.
3. SBI Healthcare Opportunities Fund Direct-Growth
SBI Healthcare Opportunities Fund Overview
As of 11 Sep, 2025, SBI Healthcare Opportunities Fund Direct-Growth has a NAV of Rs. 499.06.
|
Return or Risk |
Return Outperformance |
Chance |
|
Performing poorly in its category. |
Over the past 10 years, this fund has produced the highest return in Sectoral-Pharma funds. |
In 70% of cases, investors who have held this fund for at least 5 years have seen an annual return of 10.4%. |
SBI Healthcare Opportunities Fund- Key Details
|
Fund House |
SBI Mutual Fund |
|
Launch Date |
01 Jan 2013 |
|
Expense Ratio |
0.91% as of Aug 31, 2025 |
|
Benchmark |
BSE Healthcare TRI |
|
Min. Investment |
Lump- Rs. 5000 and SIP- Rs. 500 |
|
Risk |
Very High |
|
5-Year Returns |
170.72% |
|
Short Term Capital Gains (STCG) |
20% if redeemed earlier than 12 months |
|
Long Term Capital Gains (LTCG) |
After 12 months, 12.5% tax on gains of Rs. 1.25 lac + in a financial year |
Asset Allocation of Equity
|
Asset |
Percentage (%) |
|
Equity |
96.19% |
|
Debt |
0.07% |
|
Other |
3.74% |
Top 3 Stock Holdings
|
Company |
Holdings |
|
Sun Pharmaceutical Industries Ltd. |
10.86% |
|
Divi's Laboratories Ltd. |
6.81% |
|
Max Healthcare Institute Ltd. |
6.12% |
Conclusion
With solid NAV performance and dependable SIP choices, investing in the best SBI mutual funds for 2025 might assist you in striking a balance between risk and rewards. Different funds, be it PSU and ELSS to healthcare-focused plans, have a unique risk profile. Besides providing immediate advantages, the varied portfolio of SBI Mutual Funds may help you make better plans and build wealth over time.
Disclaimer:
Not a buy or sell recommendation. Future returns are not guaranteed by past returns. This Mutual Funds analysis is only for educational purposes and is NOT investment advice. Always conduct research and talk with a financial advisor before investing.
Faqs
1. Which SBI mutual fund has the highest return?
SBI Gold Fund Direct (G) has produced returns of 27.57% in 3 years.
2. What is the AUM of SBI Healthcare Opportunities Fund?
The SBI Healthcare Opportunities Fund currently has AUM of approximately 3,963 Cr as of Aug 31, 2025.
3. What is the full form of NAV?
NAV stands for Net Asset Value.
4. Is there any lock-in period in SBI PSU mutual fund?/h3>
No, this fund doesn't have any lock-in.
