SBI Automotive Opportunities Fund
Direct · GrowthAI Summary
SBI Automotive Opportunities Fund delivered a 1Y SIP XIRR of 20.76%, well above the category average of 14.1%. Its lump-sum CAGR of 37.73% over 1Y dramatically outpaced the NIFTY 50's -2.9%, with positive alpha across all periods (41.97% at 1Y, 9.96% at 3Y). However, longer-term lump-sum CAGRs of 3.04% over 10Y and 2.02% over 15Y remain modest in absolute terms despite beating the benchmark.
The fund shows a Beta of 1.14 at 1Y and 1.1 over longer periods, indicating slightly higher volatility than the NIFTY 50, with a favorable asymmetry of 128.07% upside capture versus 78.11% downside capture at 1Y. It has experienced 2 drawdown events exceeding 10%, with the maximum drawdown taking 238 days to recover from a 192-day decline. The 1Y Calmar Ratio of 0.54 suggests moderate risk-adjusted efficiency relative to its worst peak-to-trough loss.
The portfolio is heavily concentrated in the automotive theme, with Auto Components at 45.4% and Automobiles at 42.3% of assets across 32 total holdings. Mahindra & Mahindra is the largest position at 15.95% of NAV, followed by Maruti Suzuki (7.42%) and Eicher Motors (7.08%), with the top 10 holdings comprising roughly 59% of the portfolio. This focused approach amplifies both the fund's outperformance potential and its vulnerability to sector-specific downturns.
The fund's 1Y SIP XIRR of 20.76% clearly outpaces the category average of 14.1%, demonstrating strong recent momentum versus sectoral/thematic peers. Calendar year returns show consistency in strong years (21.17% in 2026, 20.98% in 2025) but a -8.98% decline in 2024 highlights cyclicality. As a sector fund, its performance is tied to the auto cycle rather than broad market trends, making category comparisons meaningful only within the thematic universe.
This fund is suitable for investors with high risk tolerance who already hold diversified core equity portfolios and want tactical exposure to the Indian automotive sector. A horizon of at least 5-7 years is advisable given the sector's cyclicality, as evidenced by the 2024 drawdown and long recovery periods. Investors should be comfortable with concentration risk and the possibility of significant underperformance during auto sector downturns.
- 1Y SIP XIRR of 20.76% significantly exceeds the category average of 14.1%
- Consistent positive alpha versus NIFTY 50 across all time periods, from 41.97% at 1Y to 2.44% at 15Y
- Favorable capture asymmetry with 128.07% upside capture versus 78.11% downside capture at 1Y
- Extreme sector concentration with 87.7% of the portfolio in just two sectors (Auto Components and Automobiles)
- Long drawdown recovery periods, with the maximum drawdown taking 238 days to recover and a -8.98% calendar year loss in 2024
Generated on 09-09-2026, 3:35 AM. Verify before investing.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹13.18 L | 20.8% | -17.4% | 49.7% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 20.8% | 14.4% | 14.1% | +6.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 15.8% | 19.6% | -10.0% | 42.7% | 0.63 | 1.55 | 74% | — | — |
Calmar Ratio by Duration
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +41.97 | 1.14 | 128.1% | 78.1% | 37.7% | -2.9% |
| 3 Years | +9.96 | 1.10 | 111.7% | 94.0% | 10.5% | 1.1% |
| 5 Years | +6.12 | 1.10 | 111.7% | 94.0% | 6.2% | 0.6% |
| 7 Years | +4.51 | 1.10 | 111.7% | 94.0% | 4.4% | 0.5% |
| 10 Years | +3.34 | 1.10 | 111.7% | 94.0% | 3.0% | 0.3% |
| 12 Years | +2.88 | 1.10 | 111.7% | 94.0% | 2.5% | 0.3% |
| 15 Years | +2.44 | 1.10 | 111.7% | 94.0% | 2.0% | 0.2% |
| # | Stock | % of NAV |
|---|---|---|
| 1 | Mahindra & Mahindra Ltd. | 15.95% |
| 2 | Maruti Suzuki India Ltd. | 7.42% |
| 3 | Eicher Motors Ltd. | 7.08% |
| 4 | TVS Motor Company Ltd. | 6.00% |
| 5 | Sona Blw Precision Forgings Ltd. | 4.68% |
| 6 | Bharat Forge Ltd. | 4.59% |
| 7 | Samvardhana Motherson International Ltd. | 4.19% |
| 8 | Gabriel India Ltd. | 3.31% |
| 9 | Tata Motors Ltd. | 3.04% |
| 10 | Sansera Engineering Ltd. | 2.91% |