Can I invest in SIP and Lumpsum in SBI Multi Asset Allocation Fund - Direct (IDCW-M) Direct Growth?

Yes, you can invest both lumpsum and SIP in SBI Multi Asset Allocation Fund - Direct (IDCW-M). Minimum lumpsum investment SBI Multi Asset Allocation Fund - Direct (IDCW-M) is ₹5,000 and minimum SIP amount is ₹500 . Lumpsum option is ideal for investors with higher investible corpus and market experience. SIP option is recommended for retail investors who do not have the time or expertise to time the market.

Which are the biggest stock holdings of SBI Multi Asset Allocation Fund - Direct (IDCW-M)?

The 5 biggest stock holdings of SBI Multi Asset Allocation Fund - Direct (IDCW-M) are: HCL Technologies (2.03%), HDFC Bank (1.69%), Reliance Industr (1.47%), VRL Logistics (1.26%), Wipro (1.25%)

What are the top sectors SBI Multi Asset Allocation Fund - Direct (IDCW-M) invests in?

A majority of SBI Multi Asset Allocation Fund - Direct (IDCW-M) 's AUM worth ₹7,007.61 (Cr) is invested in these 3 top sectors: Debt : 43.36% Others : 17.46% Banks : 7.02%

Mutual Funds
SBI Multi Asset Allocation Fund - Direct (IDCW-M)

SBI Multi Asset Allocation Fund - Direct (IDCW-M)

Q: What is the NAV of SBI Multi Asset Allocation Fund - Direct (IDCW-M) Direct Growth?

The latest NAV (Net Asset Value) of SBI Multi Asset Allocation Fund - Direct (IDCW-M) is SBI Multi Asset Allocation Fund - Direct (IDCW-M) is ₹27.27 as on 2025-02-03.

Multi Asset Allocation

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NAV
27.27(-0.11%)
Fund Size (CR)
₹6,983.14
Expense Ratio
0.54
Scheme Type
Active Fund
Value Research

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹500
Minimum Withdrawal
₹500
Exit Load
1% of applicable Net Asset Value - If the amount sought to be redeemed or switch out is invested for a period of up to 3 months from the date of allotment Nil - If the amount, sought to be redeemed or switch out is invested for a period of more than 3 months from the date of allotment
0%
Return Since Launch
12.34%

Absolute Return: -1.40%

Annualized Return: 0%

Basic Details

Scheme Manager

Dinesh Balachandran

Bench Mark

45% S&P BSE 500 TRI+40% Crisil Composite Bond Fund Index+10% Domestic Prices of Gold+5% Domestic Prices of silver

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	27 January 2025	10166.95	1.67%	-	1.67%	67/106
1 Month	3 January 2025	9878.10	-1.22%	-	-2.08%	37/106
3 Month	31 October 2024	9810.83	-1.89%	-	-2.27%	44/100
6 Month	2 August 2024	9967.39	-0.33%	-	-1.03%	43/96
1 Year	2 February 2024	11177.08	11.77%	11.77%	12.28%	52/78
3 Year	3 February 2022	15173.15	51.73%	14.91%	13.85%	18/40
5 Year	3 February 2020	19992.75	99.93%	14.86%	17.45%	15/28
Since Inception	22 February 2013	40186.80	301.87%	12.34%	11.72%	51/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	1 March 2024	1,20,000	194383.87	61.99%	61.99%
3 Year	2 March 2022	3,60,000	720290.10	100.08%	26.01%
5 Year	3 February 2020	6,10,000	1420426.48	132.86%	18.42%
10 Year	2 March 2015	12,00,000	3437879.99	186.49%	11.10%

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Investment type
Scheme based

SIP
Lumpsum

Monthly Investment (₹)

Expected Returns Rate (%)

Time Period (in Years)

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

2.07%

Standard Deviation

0.45%

Beta

1.08%

Sharpe Ratio

0.09%

Treynor's Ratio

5.91%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HCL Technologies	2.03%	780000	142.40	Equity	IT - Software
HDFC Bank	1.69%	721000	118.46	Equity	Banks
Reliance Industr	1.47%	820000	102.68	Equity	Refineries
VRL Logistics	1.26%	1870000	88.32	Equity	Logistics
Wipro	1.25%	3000000	87.80	Equity	IT - Software
LTIMindtree	1.13%	135052	78.84	Equity	IT - Software
GAIL (India)	1.10%	4350297	77.41	Equity	Gas Distribution
Infosys	1.06%	380000	74.09	Equity	IT - Software
ZF Commercial	1.04%	63550	72.87	Equity	Auto Ancillaries
St Bk of India	1.02%	950000	71.60	Equity	Banks

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
SBI Multi Asset Allocation Fund - Direct (IDCW-M)	6983.14	-1.22%	-1.89%	-0.33%	11.77%	14.91%
WhiteOak Capital Multi Asset Allocation-Dir (G)	1148.54	0.27%	1.94%	6.97%	19.04%	-
UTI-Multi Asset Allocation Fund - Direct (G)	4962.80	-2.10%	-0.50%	0.18%	16.82%	18.13%
UTI-Multi Asset Allocation Fund - Direct (IDCW)	4962.80	-2.11%	-0.51%	0.17%	16.81%	18.13%
DSP Multi Asset Allocation Fund - Direct (G)	2444.65	-1.58%	-2.39%	2.41%	16.70%	-
DSP Multi Asset Allocation Fund - Direct (IDCW)	2444.65	-1.58%	-2.39%	2.41%	16.70%	-

News

SBI MF announces change in fund manager under its schemes

SBI Mutual Fund has announced change in fund managers under the following schemes, with effect from February 01, 2025.

Change in Fund Management Responsibilities:

Name of the Scheme	Existing Fund Manager	Revised Fund Manager
SBI International Access-US Equity FoF	Mr. Pradeep Kesavan	Mr. Rohit Shimpi
SBI Magnum Gloal Fund	Mr. R. Srinivasan & Mr. Tanmaya Desai (Co-Fund Manager)	Mr. Tanmaya Desai

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SBI MF announces change in Fund Manager of the following schemes

SBI Mutual Fund has announced change in Fund Managers of the following scheme with effect from: 27 December 2024

Change in Fund Managers of the Schemes:

Scheme Name	Existing Fund Manager(s)	New Fund Manager(s)
SBI Liquid Fund	Mr. R. Arun and Mr. Rajeev Radhakrishnan (Co-Fund Manager)	Mr. Rajeev Radhakrishnan
SBI Overnight Fund	Mr. R. Arun	Mr. Ranjana Gupta and Mr. Tejas Soman (Co-Fund Manager)
SBI Savings Fund	Mr. R. Arun and Mr. Rajeev Radhakrishnan (Co-Fund Manager)	Mr. Rajeev Radhakrishnan
SBI Magnum Ultra Short Duration Fund	Mr. R. Arun and Mr. Ardhendhu Bhattacharya (Co-Fund Manager)	Mr. Rajeev Radhakrishnan and Mr. Ardhendhu Bhattacharya (Co-Fund Manager)
SBI Magnum Low Duration Fund	Mr. Rajeev Radhakrishnan and Mr. R. Arun (Co-Fund Manager)	Mr. Rajeev Radhakrishnan
SBI Arbitrage Opportunities Fund	Mr. Neeraj Kumar (Equity Portion) Mr. R. Arun (Debt Portion)	Mr. Neeraj Kumar (Equity Portion) Mr. Ardhendhu Bhattacharya (Debt Portion)

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SBI MF announces change in the Benchmark of Fixed Maturity Plan under its schemes

SBI Mutual Fund has announced change in the benchmark Fixed Maturity Plan of SBI Mutual Fund with effect from January 01, 2025.

Change in name of Benchmark of Fixed Maturity Plan

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Fund House Details & Investment Objective

Date of Incorporation

1 January 2013

Total AUM (Cr)

₹7007.61

SBI Multi Asset Allocation Fund - Direct (IDCW-M) is an Multi Asset Allocation-oriented fund from the renowned AMC, SBI Mutual Fund. Launched in 1 January 2013, this fund is managed by Dinesh Balachandran. With assets under management (AUM) worth ₹7,007.61 (Cr), as of 3 February 2025, SBI Multi Asset Allocation Fund - Direct (IDCW-M) is categorized as a Multi Asset Allocation within its segment. The fund has generated a return of 12.34% since its launch.
The current NAV of SBI Multi Asset Allocation Fund - Direct (IDCW-M) is ₹27.27, as on 3 February 2025. The fund's benchmark index is 45% S&P BSE 500 TRI+40% Crisil Composite Bond Fund Index+10% Domestic Prices of Gold+5% Domestic Prices of silver. You can invest in SBI Multi Asset Allocation Fund - Direct (IDCW-M) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
For exit within 12 months from the date of allotment For 10% of investment - Nil For remaining investment - 1.00% For exit after 12 months from the date of allotment - Nil. The fund has generated 14.91% and 14.86% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 39.76% in Equity, 44.15% in Debt and 16.09% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 43.36% in Debt, 17.46% in Others, 7.02% in Banks, 3.64% in IT-Software, 2.37% in Consumer Durables

FAQs

How to Invest in SBI Multi Asset Allocation Fund - Direct (IDCW-M) Direct Growth?

SBI Multi Asset Allocation Fund - Direct (IDCW-M) is a popular fund in the Multi Asset Allocation segment. The fund has generated a return of 12.34% since inception. Looking to invest in SBI Multi Asset Allocation Fund - Direct (IDCW-M) How about earning 1% extra return? All this is possible with m.Stock! Investing in SBI Multi Asset Allocation Fund - Direct (IDCW-M) is super easy and convenient with m.Stock. Here’s how you can begin:

Login to your m.Stock account. If you do not have an account, open m.Stock Demat account and enjoy 1% extra returns plus Zero Brokerage across products for life.
In the ‘Menu’ section, under ‘Products’, select ‘Mutual Funds’ .
In the search bar, enter the fund name, in this case, SBI Multi Asset Allocation Fund - Direct (IDCW-M)
On the top right corner you’ll see two options – Lumpsum and SIP. You can choose either based on your risk appetite and available investible corpus.
If you choose to invest a Lumpsum: Enter amount, select payment mode (UPI or Netbanking), and click on ‘invest a lumpsum’. Make the payment and your lumpsum investment is complete.
If you choose the SIP route, then enter SIP amount, SIP date, and set up ‘Autopay’ facility.

So, why wait? Invest in SBI Multi Asset Allocation Fund - Direct (IDCW-M) today and reap the benefits of this Multi Asset Allocation fund!

How much returns has SBI Multi Asset Allocation Fund - Direct (IDCW-M) Direct Growth generated?

In the short term, i.e., 1 year, SBI Multi Asset Allocation Fund - Direct (IDCW-M) has generated annualised return of 11.77%. In the long-term, the fund has generated 14.91% and 14.86% in 3 and 5 years respectively. Since its inception, the fund has generated 12.34% returns.

What is the expense ratio of SBI Multi Asset Allocation Fund - Direct (IDCW-M) Direct Growth?

The expense ratio of SBI Multi Asset Allocation Fund - Direct (IDCW-M) Direct Growth is 0.54%. Expense ratio is the fees payable by investors of the scheme towards management, research and overall upkeep of the fund. The higher the expense ratio, the lower is the in-hand return for the investor. Expense ratio for direct plans is lower than regular plans, making them ideal for investors.

What is the AUM of SBI Multi Asset Allocation Fund - Direct (IDCW-M) Fund Direct Growth?

The Assets Under Management (AUM) of SBI Multi Asset Allocation Fund - Direct (IDCW-M) is ₹7,007.61 (Cr) as of 2025-02-03 AUM shows the fund’s popularity and is often indicative of fund strength.

How to redeem or withdraw money from SBI Multi Asset Allocation Fund - Direct (IDCW-M) Direct Growth?

Redeeming or selling units of SBI Multi Asset Allocation Fund - Direct (IDCW-M) is relatively simple. But before you redeem, ensure that the fund has completed the minimum lock-in period else you will be charged an exit load.

To redeem from SBI Multi Asset Allocation Fund - Direct (IDCW-M):

Login to your m.Stock account
In portfolio, your mutual fund investments will be visible under ‘MF’
Select the fund you wish to redeem from (in this case SBI Multi Asset Allocation Fund - Direct (IDCW-M)).
Click on ‘Redeem’ button
You have 2 options – redeem by units and redeem by value (you can only redeem free units)
Select units to be redeemed and click on submit.
Redemption value will be credited to your account in 2-3 working days (as per timelines set by SEBI).

Scheme Name	Existing Benchmark	Revised Benchmark
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days)	CRISIL Long Term Debt Index	CRISIL Long Term Debt A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 6 (3668 Days)	CRISIL Long Term Debt Index	CRISIL Long Term Debt A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days)	CRISIL Long Term Debt Index	CRISIL Long Term Debt A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 42 (1857 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 44 (1855 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 45 (1840 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 46 (1850 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 49 (1823 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 50 (1843 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 51 (1846 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 52 (1848 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 53 (1839 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 54 (1842 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 55 (1849 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 57 (1835 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 57 (1842 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 58 (1835 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 60 (1878 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 61 (1927 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index
SBI Fixed Maturity Plan (FMP) - Series 67 (1467 Days)	CRISIL Medium to Long Term Debt Index	CRISIL Medium to Long Term Debt Index A-111 Index