Bajaj Finserv Consumption Fund vs SBI Nifty Consumption ETF
Direct Plan where a fund has one, Growth option · Data as on 30-10-2026
Bajaj Finserv Consumption Fund is a Thematic fund and SBI Nifty Consumption ETF is a mutual fund. In the year to 30-10-2026, Bajaj Finserv Consumption Fund (Direct) returned −10.2% and SBI Nifty Consumption ETF (Regular) returned −10.8%. Bajaj Finserv Consumption Fund charges 1.23% a year and SBI Nifty Consumption ETF 0.32%. Their portfolios overlap 41.1%: they hold 15 of the same securities.
Bajaj Finserv Consumption Fund
Thematic
- 1 year return
- −10.2%
- Expense ratio
- 1.23%
- NAV
- ₹9.07
SBI Nifty Consumption ETF
- 1 year return
- −10.8%
- Expense ratio
- 0.32%
- NAV
- ₹114.62
Which is better, Bajaj Finserv Consumption or SBI Nifty Consumption ETF? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Bajaj Finserv Consumption returned more over 1 year: −10.2% against −10.8%.
- SBI Nifty Consumption ETF costs less: 0.32% a year against 1.23%.
- SBI Nifty Consumption ETF fell less in its worst fall since 03-12-2024: −18.2% against −21.4%.
- SBI Nifty Consumption ETF holds more in large companies: 88.1% of the fund in large caps against 43.6%.
- Bajaj Finserv Consumption is the larger fund: ₹565 Cr against ₹20 Cr.
- Their portfolios overlap 41.1%: 15 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 | Bajaj Finserv Consumption Fund | SBI Nifty Consumption ETF |
|---|---|---|
| Fund house | Bajaj Finserv Mutual Fund | SBI Mutual Fund |
| Category | Thematic | Not available |
| AUM | ₹565 Cr (30-09-2026) | ₹20 Cr (30-09-2026) |
| NAV | ₹9.07 (Direct) | ₹114.62 (Regular) |
| Expense ratio (Direct) | 1.23% | Not available |
| Expense ratio (Regular) | 2.90% | 0.32% |
| Riskometer | Very High | Not available |
| Benchmark | Nifty India Consumption TRI | Not available |
| Launch date | 29-11-2024 | Not available |
| Minimum investment | ₹500 | Not available |
| Lock in | None | Not available |
| Fund managers | Sayan Das Sharma, Kishore Agarwal, Siddharth Chaudhary | Not available |
| Exit load | Exit load of 1%, if redeemed within 3 months. | Not available |
Bajaj Finserv Consumption vs SBI Nifty Consumption ETF: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Bajaj Finserv Consumption Fund (Direct) | −1.54% | −5.86% | +0.43% | −10.22% | -- | -- | -- |
| SBI Nifty Consumption ETF (Regular) | +0.14% | −8.17% | −2.39% | −10.83% | +10.68% | +10.21% | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
Bajaj Finserv Consumption vs SBI Nifty Consumption ETF: Year-wise Returns
| Year | Bajaj Finserv ConsumptionBajaj Finserv Consumption | SBI Nifty Consumption ETFSBI Nifty Consumption ETF | Nifty India Consumption TRI |
|---|---|---|---|
| 2026to date | −5.39% | −9.31% | −9.10% |
| 2025 | −4.52% | +8.89% | +9.22% |
| 2024 | -- | +19.36% | +19.77% |
| 2023 | -- | +27.51% | +27.96% |
| 2022 | -- | +8.09% | +8.53% |
Bajaj Finserv Consumption vs SBI Nifty Consumption ETF: Rolling Returns
Every holding period of both funds, against Nifty India Consumption TRI, the benchmark of both
Rolling returns
Every 1-year holding period, 223 of them, one for each trading day from 03-12-2025 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Bajaj Finserv Consumption Fund (Direct)
SBI Nifty Consumption ETF (Regular)
Nifty India Consumption TRI
to
Dec 2025Feb 2025
to
Feb 2026Apr 2025
to
Apr 2026Jun 2025
to
Jun 2026Aug 2025
to
Aug 2026Oct 2025
to
Oct 2026
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finserv Consumption | 84.8 | 15.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | −3.7% | −3.9% | −12.3% | 4.7% | 21% |
| SBI Nifty Consumption ETF | 42.7 | 27.3 | 22.0 | 7.9 | 0.0 | 0.0 | 0.0 | 1.2% | 0.9% | −14.5% | 14.2% | 0% |
| Nifty India Consumption TRI | 38.1 | 31.4 | 21.5 | 9.0 | 0.0 | 0.0 | 0.0 | 1.5% | 1.2% | −14.2% | 13.4% | -- |
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 Nifty India Consumption 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 03-12-2024. Past returns do not promise future returns.
Bajaj Finserv Consumption vs SBI Nifty Consumption ETF: 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 03-12-2024 to 30-10-2026: 23 instalments, ₹2,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Bajaj Finserv ConsumptionBajaj Finserv Consumption Fund (Direct) | ₹2,30,000 | ₹2,22,467 | −₹7,533 | −3.3% |
| SBI Nifty Consumption ETFSBI Nifty Consumption ETF (Regular) | ₹2,30,000 | ₹2,23,047 | −₹6,953 | −3.1% |
Bajaj Finserv ConsumptionBajaj Finserv Consumption Fund (Direct)
SBI Nifty Consumption ETFSBI Nifty Consumption ETF (Regular)
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.
Bajaj Finserv Consumption vs SBI Nifty Consumption ETF: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Bajaj Finserv Consumption Fund (Direct) | SBI Nifty Consumption ETF (Regular) |
|---|---|---|
| Return (CAGR) | −10.22% | −10.83% |
| Standard deviation | 15.01% | 15.10% |
| Sharpe ratio | -1.03 | -1.06 |
| Sortino ratio | -1.35 | -1.39 |
| Maximum drawdown | −20.3% (23-03-2026) | −17.3% (31-03-2026) |
| Beta | 0.92 | 1.00 |
| Alpha | −0.87% | −0.26% |
From daily NAVs, 30-10-2025 to 30-10-2026. 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 | Bajaj Finserv Consumption Fund (Direct) | SBI Nifty Consumption ETF (Regular) |
|---|---|---|
| Return (CAGR) | −5.47% | +11.70% |
| Standard deviation | 14.32% | 13.88% |
| Sharpe ratio | -0.77 | 0.43 |
| Sortino ratio | -1.03 | 0.61 |
| Maximum drawdown | −21.4% (23-03-2026) | −22.0% (04-03-2025) |
| Beta | 0.90 | 1.00 |
| Alpha | −4.94% | −0.37% |
From daily NAVs, 03-12-2024 to 30-10-2026. 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.
Bajaj Finserv Consumption Fund (Direct)
SBI Nifty Consumption ETF (Regular)
Nifty India Consumption TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Bajaj Finserv Consumption Fund (Direct) | −21.4% | 02-01-2025 | 23-03-2026 | Not yet | -- | −11.4% |
| SBI Nifty Consumption ETF (Regular) | −18.2% | 20-10-2025 | 31-03-2026 | Not yet | -- | −11.8% |
| Nifty India Consumption TRI | −18.1% | 20-10-2025 | 30-03-2026 | Not yet | -- | −11.6% |
From daily values since 03-12-2024, 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.
Bajaj Finserv Consumption Fund (Direct)
SBI Nifty Consumption ETF (Regular)
Nifty India Consumption TRI
Against Nifty India Consumption TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Bajaj Finserv Consumption Fund (Direct) | 82% | 104% | 5.41% |
| SBI Nifty Consumption ETF (Regular) | 99% | 100% | 0.03% |
From month-end values since 03-12-2024. 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.
Bajaj Finserv Consumption vs SBI Nifty Consumption ETF: Portfolio Overlap
From each fund's latest monthly portfolio: Bajaj Finserv Consumption Fund, September 2026; SBI Nifty Consumption ETF, September 2026
Holdings in common
- Overlap
- 41.1%
- Held by both
- 15
- Only in Bajaj Finserv Consumption
- 39
- Only in SBI Nifty Consumption ETF
- 15
| Security | % of Bajaj Finserv Consumption | % of SBI Nifty Consumption ETF |
|---|---|---|
| Eternal Limited | 7.51% | 7.21% |
| Mahindra & Mahindra Limited | 4.86% | 8.19% |
| Bharti Airtel Limited | 4.67% | 10.14% |
| Bajaj Auto Limited | 3.83% | 3.69% |
| Hindustan Unilever Limited | 3.10% | 5.18% |
| Trent Limited | 2.54% | 2.71% |
| TVS Motor Company Limited | 2.49% | 3.00% |
| Titan Company Limited | 2.39% | 5.89% |
| Asian Paints Limited | 2.17% | 3.37% |
| ITC Limited | 1.94% | 7.87% |
| Varun Beverages Limited | 1.53% | 1.84% |
| Tata Consumer Products Limited | 1.51% | 1.92% |
| Nestle India Limited | 1.37% | 2.92% |
| United Spirits Limited | 1.08% | 1.24% |
| Apollo Hospitals Enterprise Limited | 0.52% | 2.61% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 41.1% means 41.1% 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 Bajaj Finserv Consumption Fund
| Security | % of fund |
|---|---|
| Zydus Wellness Limited | 4.13% |
| PVR INOX Limited | 2.90% |
| Safari Industries (India) Limited | 2.75% |
| Samvardhana Motherson International Limited | 2.25% |
| Rentomojo Limited | 2.24% |
Largest holdings only in SBI Nifty Consumption ETF
| Security | % of fund |
|---|---|
| Maruti Suzuki India Ltd. | 4.83% |
| Interglobe Aviation Ltd. | 3.51% |
| Eicher Motors Ltd. | 3.06% |
| Torrent Pharmaceuticals Ltd. | 2.19% |
| Max Healthcare Institute Ltd. | 2.15% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Bajaj Finserv Consumption | SBI Nifty Consumption ETF |
|---|---|---|
| Equity | 94.0% | 100.0% |
| Debt | 0.0% | 0.0% |
| Cash and others | 6.0% | 0.0% |
Market cap of stocks
| Market cap | Bajaj Finserv Consumption | SBI Nifty Consumption ETF |
|---|---|---|
| Large Cap | 43.6% | 88.1% |
| Mid Cap | 7.6% | 11.9% |
| Small Cap | 39.3% | 0.0% |
| Not on AMFI's list | 3.4% | 0.0% |
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 | Bajaj Finserv Consumption | SBI Nifty Consumption ETF |
|---|---|---|
| Automobiles | 11.2% | 24.9% |
| Consumer Durables | 22.2% | 10.9% |
| Retailing | 12.6% | 13.3% |
| Diversified FMCG | 5.0% | 13.1% |
| Telecom - Services | 4.7% | 10.1% |
| Auto Components | 6.7% | 0.0% |
| Food Products | 6.5% | 4.7% |
| Healthcare Services | 0.5% | 6.0% |
The six largest sectors of each fund's stocks, % of the fund.
Bajaj Finserv Consumption vs SBI Nifty Consumption ETF: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Bajaj Finserv Consumption Fund | SBI Nifty Consumption ETF |
|---|---|---|
| Total expense ratio (Direct) | 1.23% | Not available |
| Base expense ratio (Direct) | 0.66% | 0.00% |
| Total expense ratio (Regular) | 2.90% | 0.32% |
| Base expense ratio (Regular) | 2.08% | 0.25% |
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 Bajaj Finserv Consumption with
Bajaj Finserv Consumption Fund vs SBI Nifty Consumption ETF: Frequently Asked Questions
What is the difference between Bajaj Finserv Consumption Fund and SBI Nifty Consumption ETF?
Bajaj Finserv Consumption Fund is a Thematic fund, SBI Nifty Consumption ETF is a mutual fund, run by Bajaj Finserv Mutual Fund and SBI Mutual Fund. Their portfolios overlap 41.1%. Bajaj Finserv Consumption Fund charges 1.23% a year and SBI Nifty Consumption ETF 0.32%.
Which has given higher returns, Bajaj Finserv Consumption Fund or SBI Nifty Consumption ETF?
Over 1 year: Bajaj Finserv Consumption Fund −10.22%, SBI Nifty Consumption ETF −10.83%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Bajaj Finserv Consumption Fund or SBI Nifty Consumption ETF?
SBI Nifty Consumption ETF charges less: 0.32% a year against 1.23%. These are the total expense ratios reported to AMFI.
How much do Bajaj Finserv Consumption Fund and SBI Nifty Consumption ETF overlap?
41.1%. They hold 15 of the same securities, the largest shared ones being ETERNAL, M&M, BHARTIARTL. From each fund's latest monthly portfolio.
Can I invest in both Bajaj Finserv Consumption Fund and SBI Nifty Consumption ETF?
Yes. 41.1% 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.