SBI Quality Fund
Direct · GrowthAI Summary
SBI Quality Fund has outperformed the NIFTY 50 across the 1Y (3.82% vs -9.79%), 3Y (1.26% vs -3.37%), and 5Y (0.75% vs -2.04%) windows, though absolute returns remain modest and alpha narrows over longer horizons, turning marginally negative beyond 7Y (-0.0043% at 7Y, -0.4935% at 10Y). The fund's SIP XIRR data is not available, so a like-for-like comparison against the category's strong SIP XIRR averages (e.g., 17.42% over 5Y) cannot currently be made. Overall, the fund has delivered defensive outperformance versus the benchmark but lacks evidence of compelling absolute or category-leading returns.
The fund shows a low beta of 0.7482 versus the NIFTY 50, meaning it has moved less sharply than the market in both directions. Downside capture of 65.25% versus upside capture of 84.58% indicates it loses less in market declines than it gains in rallies on a relative basis. Risk-adjusted performance is supported by positive 1Y alpha of 9.51%, though alpha decays to negative territory over 10Y and beyond, suggesting the defensive edge has not compounded over long periods.
The 44-stock portfolio is well diversified, with the top position Bajaj Auto at just 5.59% and the top 10 holdings together around 36.85% of NAV. Sector diversification is healthy, led by Automobiles at 10.3%, Banks at 8.1%, and Pharmaceuticals at 7.2%, with no single sector dominating. Holdings such as Nestle India, Marico, Solar Industries, and Hindustan Aeronautics reflect a quality- and defensive-oriented selection consistent with the fund's mandate.
As a Sectoral/Thematic fund, SBI Quality Fund avoids single-sector concentration and instead spreads exposure across quality large-cap names, which lowers typical thematic risk but may lag aggressive peers in strong rallies. Calendar year 2026 returns of 2.29% show modest absolute performance in a weak market. Without published XIRR, its standing versus the category's high SIP XIRR averages (10.54% 1Y to 17.42% 5Y) remains unverified, limiting peer comparison.
This fund suits investors seeking quality-focused, lower-beta market exposure with downside protection, rather than high-growth thematic bets. A medium-to-long horizon of 5+ years is appropriate, given the fading alpha over extended windows. Investors should hold moderate return expectations, as absolute returns have been modest even though drawdown characteristics are favorable, and should monitor the absence of XIRR data when evaluating SIP performance.
- Downside capture of 65.25% versus upside capture of 84.58% indicates superior downside protection relative to the NIFTY 50
- Well-diversified 44-stock portfolio with the largest holding at only 5.59% and top sector at 10.3%, reducing single-stock and single-sector risk
- Positive alpha across the 1Y, 3Y, and 5Y windows (9.51%, 2.14%, and 0.64%) with the fund beating the benchmark CAGR at every window up to 5Y
- Alpha turns negative beyond 7Y (-0.0043% at 7Y and -0.4935% at 10Y), showing limited long-term outperformance
- SIP XIRR data is not available, preventing comparison with category SIP XIRR averages such as 17.42% over 5Y
Generated on 05-11-2026, 3:03 AM. Verify before investing.
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.
Not enough data to compute SIP returns.
Not enough data to compute rolling returns.
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +6.95 | 0.71 | 78.7% | 65.3% | 7.7% | -1.6% |
| 3 Years | +1.01 | 0.71 | 78.7% | 65.3% | 2.5% | -0.5% |
| 5 Years | -0.15 | 0.71 | 78.7% | 65.3% | 1.5% | -0.3% |
| 7 Years | -0.63 | 0.71 | 78.7% | 65.3% | 1.1% | -0.2% |
| 10 Years | -1.00 | 0.71 | 78.7% | 65.3% | 0.7% | -0.2% |
| 12 Years | -1.14 | 0.71 | 78.7% | 65.3% | 0.6% | -0.1% |
| 15 Years | -1.29 | 0.71 | 78.7% | 65.3% | 0.5% | -0.1% |
| # | Stock | % of NAV |
|---|---|---|
| 1 | Bajaj Auto Ltd. | 5.59% |
| 2 | Nestle India Ltd. | 5.16% |
| 3 | Solar Industries India Ltd. | 4.13% |
| 4 | Marico Ltd. | 3.93% |
| 5 | Hindustan Aeronautics Ltd. | 3.75% |
| 6 | Dixon Technologies (India) Ltd. | 3.34% |
| 7 | Hindustan Zinc Ltd. | 2.99% |
| 8 | Pearl Global Industries Ltd. | 2.93% |
| 9 | TVS Motor Company Ltd. | 2.78% |
| 10 | Powerica Ltd. | 2.25% |