Aditya Birla Sun Life Digital India Fund vs SBI Technology Opportunities Fund
Direct Plan, Growth option · Data as on 29-10-2026
Aditya Birla Sun Life Digital India Fund is a Thematic fund and SBI Technology Opportunities Fund is a Thematic fund. In the 3 years to 29-10-2026, Aditya Birla Sun Life Digital India Fund (Direct) returned 6.1% a year and SBI Technology Opportunities Fund (Direct) returned 11.1% a year. Aditya Birla Sun Life Digital India Fund charges 1.06% a year and SBI Technology Opportunities Fund 1.02% (Direct plans). Their portfolios overlap 55.1%: they hold 14 of the same securities.
Aditya Birla Sun Life Digital India Fund
Thematic
- 3 year return
- 6.1%
- Expense ratio
- 1.06%
- NAV
- ₹180.64
SBI Technology Opportunities Fund
Thematic
- 3 year return
- 11.1%
- Expense ratio
- 1.02%
- NAV
- ₹234.99
Which is better, Aditya Birla Sun Life Digital India or SBI Technology Opportunities? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Technology Opportunities returned more over 5 years: 7.3% a year against 4.7%.
- SBI Technology Opportunities returned more over 3 years: 11.1% a year against 6.1%.
- SBI Technology Opportunities costs less: 1.02% a year against 1.06% (Direct plans).
- SBI Technology Opportunities swung less over 3 years: a standard deviation of 15.4% a year against 17.5%.
- SBI Technology Opportunities fell less in its worst fall since 10-01-2013: −29.9% against −34.5%.
- SBI Technology Opportunities holds 13.8% of the fund in foreign stocks; Aditya Birla Sun Life Digital India 3.5%.
- SBI Technology Opportunities is the larger fund: ₹4,155 Cr against ₹3,617 Cr.
- Their portfolios overlap 55.1%: 14 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Digital India Fund | SBI Technology Opportunities Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | SBI Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹3,617 Cr (30-09-2026) | ₹4,155 Cr (30-09-2026) |
| NAV | ₹180.64 (Direct) | ₹234.99 (Direct) |
| Expense ratio (Direct) | 1.06% | 1.02% |
| Expense ratio (Regular) | 2.04% | 1.98% |
| Riskometer | Very High | Not available |
| Benchmark | BSE Teck TRI | Not available |
| Launch date | 15-01-2000 | Not available |
| Minimum investment | ₹1,000 | Not available |
| Lock in | None | Not available |
| Fund managers | Kunal Sangoi | Not available |
| Exit load | Exit load of 1% if redeemed within 30 days. | Not available |
Aditya Birla Sun Life Digital India vs SBI Technology Opportunities: Returns Comparison
Returns as on 29-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Digital India Fund (Direct) | +6.72% | +0.09% | +10.86% | −7.71% | +6.14% | +4.65% | +17.84% |
| SBI Technology Opportunities Fund (Direct) | +7.07% | +0.78% | +9.69% | −8.45% | +11.11% | +7.31% | +17.70% |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 235 Thematic funds, same plan type.
Aditya Birla Sun Life Digital India vs SBI Technology Opportunities: Year-wise Returns
| Year | Aditya Birla Sun Life Digital IndiaAditya Birla Sun Life Digital India | SBI Technology OpportunitiesSBI Technology Opportunities | BSE TECK TRI |
|---|---|---|---|
| 2026to date | −9.52% | −10.22% | −12.44% |
| 2025 | −4.24% | +2.57% | −3.10% |
| 2024 | +19.41% | +31.47% | +24.26% |
| 2023 | +37.31% | +26.25% | +21.11% |
| 2022 | −20.61% | −14.46% | −17.75% |
| 2021 | +72.53% | +68.47% | +51.70% |
Aditya Birla Sun Life Digital India vs SBI Technology Opportunities: Rolling Returns
Every holding period of both funds, against BSE TECK TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 2,662 of them, one for each trading day from 11-01-2016 to 29-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life Digital India Fund (Direct)
SBI Technology Opportunities Fund (Direct)
BSE TECK TRI
to
Nov 2016Sept 2015
to
Sept 2018Jul 2017
to
Jul 2020May 2019
to
May 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Digital India | 0.0 | 2.4 | 15.7 | 24.2 | 19.4 | 7.7 | 30.5 | 19.2% | 16.3% | 3.0% | 46.8% | 100% |
| SBI Technology Opportunities | 0.0 | 4.9 | 11.7 | 27.1 | 17.1 | 13.1 | 26.1 | 18.4% | 16.7% | 0.8% | 42.4% | 99% |
| BSE TECK TRI | 0.2 | 11.6 | 23.7 | 25.7 | 11.1 | 18.4 | 9.2 | 14.0% | 12.2% | −0.5% | 36.2% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is BSE TECK TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 10-01-2013. Past returns do not promise future returns.
Aditya Birla Sun Life Digital India vs SBI Technology Opportunities: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 02-01-2013 to 29-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Digital IndiaAditya Birla Sun Life Digital India Fund (Direct) | ₹16,60,000 | ₹55,56,762 | ₹38,96,762 | 16.1% |
| SBI Technology OpportunitiesSBI Technology Opportunities Fund (Direct) | ₹16,60,000 | ₹56,96,097 | ₹40,36,097 | 16.4% |
Aditya Birla Sun Life Digital IndiaAditya Birla Sun Life Digital India Fund (Direct)
SBI Technology OpportunitiesSBI Technology Opportunities Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Digital India vs SBI Technology Opportunities: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Digital India Fund (Direct) | SBI Technology Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | −7.71% | −8.45% |
| Standard deviation | 18.81% | 16.20% |
| Sharpe ratio | -0.69 | -0.84 |
| Sortino ratio | -0.94 | -1.15 |
| Maximum drawdown | −25.7% (30-03-2026) | −24.3% (30-03-2026) |
| Beta | 0.93 | 0.78 |
| Alpha | +0.63% | −2.32% |
From daily NAVs, 29-10-2025 to 29-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Digital India Fund (Direct) | SBI Technology Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.14% | +11.11% |
| Standard deviation | 17.50% | 15.41% |
| Sharpe ratio | 0.01 | 0.33 |
| Sortino ratio | 0.01 | 0.48 |
| Maximum drawdown | −30.6% (30-03-2026) | −24.3% (30-03-2026) |
| Beta | 0.92 | 0.79 |
| Alpha | −0.23% | +4.78% |
From daily NAVs, 27-10-2023 to 29-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Digital India Fund (Direct) | SBI Technology Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +4.65% | +7.31% |
| Standard deviation | 17.88% | 16.15% |
| Sharpe ratio | -0.06 | 0.09 |
| Sortino ratio | -0.09 | 0.13 |
| Maximum drawdown | −30.6% (30-03-2026) | −25.6% (17-06-2022) |
| Beta | 0.93 | 0.82 |
| Alpha | +1.34% | +3.70% |
From daily NAVs, 29-10-2021 to 29-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Digital India Fund (Direct) | SBI Technology Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +18.08% | +18.33% |
| Standard deviation | 17.69% | 17.15% |
| Sharpe ratio | 0.68 | 0.72 |
| Sortino ratio | 0.96 | 1.02 |
| Maximum drawdown | −34.5% (23-03-2020) | −29.9% (23-03-2020) |
| Beta | 0.90 | 0.87 |
| Alpha | +5.11% | +5.70% |
From daily NAVs, 02-01-2013 to 29-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life Digital India Fund (Direct)
SBI Technology Opportunities Fund (Direct)
BSE TECK TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Digital India Fund (Direct) | −34.5% | 14-02-2020 | 23-03-2020 | 20-07-2020 | 4 months | −18.3% |
| SBI Technology Opportunities Fund (Direct) | −29.9% | 17-02-2020 | 23-03-2020 | 16-07-2020 | 4 months | −12.6% |
| BSE TECK TRI | −31.1% | 19-02-2020 | 23-03-2020 | 15-07-2020 | 4 months | −19.2% |
From daily values since 10-01-2013, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Digital India Fund (Direct)
SBI Technology Opportunities Fund (Direct)
BSE TECK TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Digital India Fund (Direct)
SBI Technology Opportunities Fund (Direct)
BSE TECK TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Digital India Fund (Direct)
SBI Technology Opportunities Fund (Direct)
BSE TECK TRI
Against BSE TECK TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Digital India Fund (Direct) | 104% | 86% | 6.46% |
| SBI Technology Opportunities Fund (Direct) | 100% | 80% | 6.26% |
From month-end values since 10-01-2013. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Aditya Birla Sun Life Digital India vs SBI Technology Opportunities: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Digital India Fund, September 2026; SBI Technology Opportunities Fund, September 2026
Holdings in common
- Overlap
- 55.1%
- Held by both
- 14
- Only in Aditya Birla Sun Life Digital India
- 21
- Only in SBI Technology Opportunities
- 8
| Security | % of Aditya Birla Sun Life Digital India | % of SBI Technology Opportunities |
|---|---|---|
| Infosys Ltd. | 9.93% | 8.37% |
| Bharti Airtel Ltd. | 7.18% | 16.92% |
| Tata Consultancy Services Ltd. | 7.20% | 7.01% |
| Eternal Ltd. | 5.93% | 6.93% |
| Coforge Ltd. | 5.10% | 5.05% |
| Swiggy Ltd. | 4.20% | 3.61% |
| LTM Ltd. | 3.35% | 4.00% |
| Persistent Systems Ltd. | 4.92% | 2.80% |
| Firstsource Solutions Ltd. | 2.62% | 3.69% |
| Tech Mahindra Ltd. | 7.85% | 2.57% |
| HCL Technologies Ltd. | 3.55% | 2.37% |
| Hexaware Technologies Ltd. | 2.15% | 2.14% |
| Capillary Technologies India Ltd. | 1.38% | 1.10% |
| PB Fintech Ltd. | 1.03% | 1.56% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 55.1% means 55.1% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Digital India Fund
| Security | % of fund |
|---|---|
| Cyient Ltd. | 3.19% |
| Cyient DLM Ltd. | 2.38% |
| Rategain Travel Technologies Ltd. | 1.89% |
| One 97 Communications Ltd. | 1.64% |
| AFFLE 3I Ltd. | 1.56% |
Largest holdings only in SBI Technology Opportunities Fund
| Security | % of fund |
|---|---|
| Amagi Media Labs Ltd. | 3.97% |
| BlackBuck Ltd. | 3.22% |
| Info Edge (India) Ltd. | 2.05% |
| L&T Technology Services Ltd. | 1.55% |
| FSN E-Commerce Ventures Ltd. | 1.54% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Digital India | SBI Technology Opportunities |
|---|---|---|
| Equity | 95.0% | 96.7% |
| Debt | 0.0% | 0.1% |
| Cash and others | 5.0% | 3.2% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Digital India | SBI Technology Opportunities |
|---|---|---|
| Large Cap | 46.1% | 48.2% |
| Mid Cap | 18.0% | 18.2% |
| Small Cap | 27.4% | 16.6% |
| Foreign stocks | 3.5% | 13.8% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life Digital India | SBI Technology Opportunities |
|---|---|---|
| IT - Software | 57.0% | 43.9% |
| Telecom - Services | 7.8% | 16.9% |
| Retailing | 11.0% | 14.1% |
| IT - Services | 5.8% | 10.8% |
| Commercial Services & Supplies | 4.2% | 3.7% |
| Transport Services | 0.0% | 3.2% |
| Financial Technology (Fintech) | 2.7% | 1.6% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Digital India vs SBI Technology Opportunities: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Digital India Fund | SBI Technology Opportunities Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.06% | 1.02% |
| Base expense ratio (Direct) | 0.77% | 0.80% |
| Total expense ratio (Regular) | 2.04% | 1.98% |
| Base expense ratio (Regular) | 1.62% | 1.62% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare Aditya Birla Sun Life Digital India with
- Aditya Birla Sun Life Digital India vs Nippon India Taiwan Equity
- Aditya Birla Sun Life Digital India vs HDFC Defence
- Aditya Birla Sun Life Digital India vs HDFC Pharma and Healthcare
- Aditya Birla Sun Life Digital India vs SBI Healthcare Opportunities
- Aditya Birla Sun Life Digital India vs Aditya Birla Sun Life International Equity
Compare SBI Technology Opportunities with
Aditya Birla Sun Life Digital India Fund vs SBI Technology Opportunities Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Digital India Fund and SBI Technology Opportunities Fund?
Aditya Birla Sun Life Digital India Fund is a Thematic fund, SBI Technology Opportunities Fund is a Thematic fund, run by Aditya Birla Sun Life Mutual Fund and SBI Mutual Fund. Their portfolios overlap 55.1%. Aditya Birla Sun Life Digital India Fund charges 1.06% a year and SBI Technology Opportunities Fund 1.02%.
Which has given higher returns, Aditya Birla Sun Life Digital India Fund or SBI Technology Opportunities Fund?
Over 1 year: Aditya Birla Sun Life Digital India Fund −7.71%, SBI Technology Opportunities Fund −8.45%. Over 3 years: Aditya Birla Sun Life Digital India Fund +6.14% a year, SBI Technology Opportunities Fund +11.11% a year. Over 5 years: Aditya Birla Sun Life Digital India Fund +4.65% a year, SBI Technology Opportunities Fund +7.31% a year. As on 29-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Digital India Fund or SBI Technology Opportunities Fund?
SBI Technology Opportunities Fund charges less: 1.02% a year against 1.06%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Digital India Fund and SBI Technology Opportunities Fund overlap?
55.1%. They hold 14 of the same securities, the largest shared ones being INFY, BHARTIARTL, TCS. From each fund's latest monthly portfolio.
Which is better for SIP, Aditya Birla Sun Life Digital India Fund or SBI Technology Opportunities Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 29-10-2026 grew to ₹6,89,730 in Aditya Birla Sun Life Digital India Fund (XIRR 4.8% a year) and ₹7,46,772 in SBI Technology Opportunities Fund (XIRR 7.9% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Digital India Fund and SBI Technology Opportunities Fund?
Yes. 55.1% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.