SBI Mutual Fund: What You Must Know Before Investing

Introduction

Do you know what is the first choice of every investor whenever they plan to invest? Its SBI Mutual Fund that known for providing consistent results to investors.

It is an Asset Management Company known for its valuable products and delivering results to investors. It is one of the oldest and respected AMC in India started in 1987. The AMC helps investors in portfolio management and generate profit by investing in its profitable schemes. It manages an AUM (Asset Under Management) of approx Rs. 1,119,756 crores. From the last 37 years, the company helped thousands of investors make great returns.

In this article, you will learn about SBI asset management company. How does it work, SBI Mutual Fund Calculator and why you should choose SBI for your investment? So let's get started.

What is the History of SBI Mutual Fund?

The SBI Mutual Fund known as Asset Management Company started in 1987. It is a joint venture between the (SBI Bank) State Bank of India and the European asset management company. The fund house is one of the first mutual fund companies that started when the mutual fund industry was expanding.

In the beginning of the AMC inception, it was only providing a few schemes but as it started growing, the fund house started providing more schemes. As of February 2025, it provides 118 schemes which include 44 equity, 22 debt and 11 hybrid schemes.

There are many achievements Fund House gained after a few years of its inception. In the year 1991, AMC launched its different funds that still making a profit for investors. Recently in 2023, the fund house broke the record of surpassing AUM (Asset Management Company) size of 8 Lakh Crore.

The biggest difference that makes the fund stand out in the market is its investor's trust. When the company started. It has only a small number of investors but over time, it gained the trust of 54 Lakh investors. The fund house able to do it by providing consistent growth and value to investors.

How SBI Mutual Fund Works?

The SBI Investment Company works on a simple strategy of investing for its different schemes. This strategy combines a data-driven process and deep market research. It focuses on selecting quality stocks that have long-term growth potential.

An expert team of fund managers made the process easy to select profitable stocks. They use deep research to analyse stocks and pick the best ones that can generate long-term returns.

It also uses diversification where every scheme spreads its portfolio in different sectors. The reason behind this is to reduce the risk and maintain investment performance. This strategy of investment not only helps to generate profit but also reduces the risk of market fluctuations and volatility.

Which SBI Mutual Fund Gives the Highest Returns?

If you look at the past performance of SBI Fund schemes, you see almost every scheme delivered great returns. Because of this, deciding which is the best scheme is a tough part but do not worry. Here is a list of the best SBI Mutual Fund you can choose to invest for high returns:

1. SBI Gold Fund

The SBI Gold Fund focuses on investing in gold ETF. The fund generated 19.65% returns to investors in past few years. It focus on investors who are looking to make a profit with gold without creating a demat account.

2. SBI International Access Fund

The fund focuses on investing in global markets to gain international market exposure. It delivered 13.68% of returns in past 3 years. The fund is the best choice for investors who are looking to generate wealth by investing in global markets.

3. SBI Savings Fund

This fund is considered a low-risk fund because it focuses on investing in debt funds. It made 6.27% of returns for investors. The fund is a great choice for investors who are looking to generate short-term returns.

4. SBI Floating Rate Debt Fund

As known by its name, the fund focuses on investing in debt instruments. It provided 6.8% of annual returns to investors in past 3 years. The fund targets investors who want stable growth with moderate risk.

5. SBI Magnum Ultra Short-Duration Fund

The fund focuses on investing in debt and money market instruments. If you look at the last 3 year returns, it produced 6.39% of annual returns to investors. The fund is a great choice for investors who want to make high returns by investing in the short-term.

These SBI Funds are the top-performing funds that generated great returns for investors. By understanding your financial goals and risk tolerance, you can choose the best scheme for investment.

How to Start Investing with SBI Mutual Fund?

If you are thinking about investing in SBI Fund scheme then you can easily do it from your home. It has an online platform that makes the investment process easy for investors. Here is a step-by-step process to start the investment:

· Step 1: Start by going to the website of SBI Mutual Fund and create your account to begin investing.

· Step 2: Next step is to complete the KYC (Know Your Customer) by providing a few details like PAN Card, Adhaar and Driving License.

· Step 3: Once you complete the KYC then it will ask you to choose the scheme. You can choose the desired scheme that helps to achieve your financial goals.

· Step 4: The next step is to select the investment type according to your investment strategy. You can choose between Lumpsum or SIP (Systematic Investment Plan).

· Step 5: The last part is to complete the payment using net banking or UPI and your investment is ready to generate returns.

This is the simple process you can follow to start your investment journey with SBI. One thing to keep in mind is before investing, make sure to evaluate the best SBI mutual fund that helps you to achieve your financial goals.

Why Should you Invest in SBI Mutual Fund?

Here are a few factors that show why you should choose SBI Fund House for investment:

1. Strong Investors Trust

As you know, there is a large number of investors' trust in SBI Fund House. This shows how trusted the fund is when it comes to growing wealth in mutual funds. It not only helps to generate returns but also helps to manage losses.

2. Easy SIP Calculation

If you are planning to invest in SBI Fund schemes through SIP (Systematic Investment Plan) then AMC makes it easier for you to calculate your future returns. It provides an SBI Mutual Fund Calculator that will help you to estimate your future returns before investing.

3. Many Investment Options

The fund house provides many schemes to investors to fulfil different financial needs. It helps you to choose the best scheme for your investment that not only makes returns but also shapes your future.

4. Tax-Saving Opportunity

If you are looking to save taxes on your returns then fund gives you the opportunity to do it. It provides ELSS scheme that comes under section 80C of Income Tax. It helps you to claim taxes on your mutual fund returns for up to Rs. 1.5 Lakh in a financial year.

Final Thoughts

To conclude, the SBI Mutual Fund is a great asset management company that value its investors. Whether it is about investing a fixed amount through SIP or growing wealth over time, the AMC fulfils every investor need. This investor-centric approach earned a strong reputation for the fund in the market.

If you are looking for a trust that makes your investment journey easy, then SBI Fund is what you cannot afford to miss. Its investment strategy and strong fund management will give you a path where your investment grows over time.