HDFC Children's Fund vs SBI Children's Fund - Investment Plan
Direct Plan, Growth option · Data as on 30-10-2026
HDFC Children's Fund is a Solution fund and SBI Children's Fund - Investment Plan is a Solution fund. In the 3 years to 30-10-2026, HDFC Children's Fund (Direct) returned 8.0% a year and SBI Children's Fund - Investment Plan (Direct) returned 20.3% a year. HDFC Children's Fund charges 1.03% a year and SBI Children's Fund - Investment Plan 1.06% (Direct plans). Their portfolios overlap 9.7%: they hold 4 of the same securities.
SBI Children's Fund - Investment Plan
Solution
- 3 year return
- 20.3%
- Expense ratio
- 1.06%
- NAV
- ₹51.65
Which is better, HDFC Children's or SBI Children's Fund - Investment Plan? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Children's Fund - Investment Plan returned more over 5 years: 17.9% a year against 9.3%.
- SBI Children's Fund - Investment Plan returned more over 3 years: 20.3% a year against 8.0%.
- HDFC Children's costs less: 1.03% a year against 1.06% (Direct plans).
- HDFC Children's swung less over 3 years: a standard deviation of 9.6% a year against 12.5%.
- HDFC Children's fell less in its worst fall since 07-10-2020: −12.4% against −15.7%.
- SBI Children's Fund - Investment Plan holds 12.3% of the fund in foreign stocks; HDFC Children's 0.0%.
- HDFC Children's holds more in large companies: 36.7% of the fund in large caps against 19.3%.
- HDFC Children's is the larger fund: ₹10,339 Cr against ₹7,949 Cr.
- Their portfolios overlap 9.7%: 4 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 | HDFC Children's Fund | SBI Children's Fund - Investment Plan |
|---|---|---|
| Fund house | HDFC Mutual Fund | SBI Mutual Fund |
| Category | Solution | Solution |
| AUM | ₹10,339 Cr (30-09-2026) | ₹7,949 Cr (30-09-2026) |
| NAV | ₹311.41 (Direct) | ₹51.65 (Direct) |
| Expense ratio (Direct) | 1.03% | 1.06% |
| Expense ratio (Regular) | 1.81% | 1.99% |
| Riskometer | Very High | Very High |
| Benchmark | NIFTY 50 Hybrid Composite Debt 65:35 Index (Total Returns Index) | CRISIL Hybrid 35+65 - Aggressive Index |
| Launch date | 02-03-2001 | 29-09-2020 |
| Minimum investment | ₹100 | ₹5,000 |
| Lock in | 5 years, or until the child turns 18 if earlier | 5 years, or until retirement if earlier |
| Fund managers | Chirag Setalvad, Gopal Agrawal, Anil Bamboli | Lokesh Mallya, R Srinivasan |
| Exit load | (i) For existing investments by investors including SIP / SWAP registrations, etc (until May 22, 2018). In respect of units subject to lockin period: Nil In case of Units not subject to Lock-in Period: -3% if the Units are redeemed / switched-out within one year from the date of allotment. - 2% if the Units are redeemed / switched-out between first and second year of the date of allotment. - 1% if the Units are redeemed / switched-out between second and third year of the date of allotment. - Nil if the Units are redeemed / switched-out after third year from the date of allotment (ii) Fresh investments by investors including SIP/ SWAP registrations, etc (effective May 23, 2018): Nil | Not available |
HDFC Children's vs SBI Children's Fund - Investment Plan: 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 |
|---|---|---|---|---|---|---|---|
| HDFC Children's Fund (Direct) | −1.71% | −3.88% | −0.62% | −6.09% | +7.95% | +9.25% | +12.30% |
| SBI Children's Fund - Investment Plan (Direct) | −3.21% | −3.49% | +4.70% | +6.28% | +20.25% | +17.93% | -- |
HDFC Children's vs SBI Children's Fund - Investment Plan: Year-wise Returns
| Year | HDFC Children'sHDFC Children's | SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan |
|---|---|---|
| 2026to date | −6.11% | +9.10% |
| 2025 | +3.18% | +4.23% |
| 2024 | +17.03% | +40.18% |
| 2023 | +27.95% | +31.47% |
| 2022 | +7.69% | +6.24% |
| 2021 | +27.53% | +80.01% |
HDFC Children's vs SBI Children's Fund - Investment Plan: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 753 of them, one for each trading day from 09-10-2023 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.
HDFC Children's Fund (Direct)
SBI Children's Fund - Investment Plan (Direct)
to
Jan 2024Jul 2021
to
Jul 2024Jan 2022
to
Jan 2025Jul 2022
to
Jul 2025Feb 2023
to
Feb 2026Aug 2023
to
Aug 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| HDFC Children's | 0.0 | 0.0 | 11.0 | 17.7 | 57.8 | 13.5 | 0.0 | 16.1% | 16.4% | 7.5% | 22.7% |
| SBI Children's Fund - Investment Plan | 0.0 | 0.0 | 0.0 | 0.0 | 4.5 | 52.9 | 42.6 | 26.6% | 24.3% | 18.1% | 44.6% |
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. Every fund is measured over the days all of them have, from 07-10-2020. Past returns do not promise future returns.
HDFC Children's vs SBI Children's Fund - Investment Plan: 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 01-10-2020 to 30-10-2026: 73 instalments, ₹7,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| HDFC Children'sHDFC Children's Fund (Direct) | ₹7,30,000 | ₹9,60,221 | ₹2,30,221 | 8.9% |
| SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan (Direct) | ₹7,30,000 | ₹14,11,787 | ₹6,81,787 | 21.6% |
HDFC Children'sHDFC Children's Fund (Direct)
SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan (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.
HDFC Children's vs SBI Children's Fund - Investment Plan: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | HDFC Children's Fund (Direct) | SBI Children's Fund - Investment Plan (Direct) |
|---|---|---|
| Return (CAGR) | −6.09% | +6.28% |
| Standard deviation | 9.47% | 12.80% |
| Sharpe ratio | -1.20 | 0.08 |
| Sortino ratio | -1.58 | 0.11 |
| Maximum drawdown | −11.1% (30-03-2026) | −12.9% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 | HDFC Children's Fund (Direct) | SBI Children's Fund - Investment Plan (Direct) |
|---|---|---|
| Return (CAGR) | +7.95% | +20.25% |
| Standard deviation | 9.57% | 12.53% |
| Sharpe ratio | 0.20 | 1.13 |
| Sortino ratio | 0.27 | 1.58 |
| Maximum drawdown | −12.4% (03-03-2025) | −15.7% (04-03-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2023 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 | HDFC Children's Fund (Direct) | SBI Children's Fund - Investment Plan (Direct) |
|---|---|---|
| Return (CAGR) | +9.25% | +17.93% |
| Standard deviation | 9.66% | 12.07% |
| Sharpe ratio | 0.36 | 1.01 |
| Sortino ratio | 0.48 | 1.39 |
| Maximum drawdown | −12.4% (03-03-2025) | −15.7% (04-03-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-10-2021 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 | HDFC Children's Fund (Direct) | SBI Children's Fund - Investment Plan (Direct) |
|---|---|---|
| Return (CAGR) | +14.00% | +30.90% |
| Standard deviation | 10.71% | 12.55% |
| Sharpe ratio | 0.74 | 2.04 |
| Sortino ratio | 1.00 | 3.03 |
| Maximum drawdown | −28.9% (23-03-2020) | −15.7% (04-03-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 01-01-2013 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.
HDFC Children's Fund (Direct)
SBI Children's Fund - Investment Plan (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| HDFC Children's Fund (Direct) | −12.4% | 11-12-2024 | 03-03-2025 | 27-10-2025 | 8 months | −6.5% |
| SBI Children's Fund - Investment Plan (Direct) | −15.7% | 02-01-2025 | 04-03-2025 | 11-09-2025 | 6 months | −5.5% |
From daily values since 07-10-2020, 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.
HDFC Children's Fund (Direct)
SBI Children's Fund - Investment Plan (Direct)
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.
HDFC Children's Fund (Direct)
SBI Children's Fund - Investment Plan (Direct)
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.
HDFC Children's Fund (Direct)
SBI Children's Fund - Investment Plan (Direct)
HDFC Children's vs SBI Children's Fund - Investment Plan: Portfolio Overlap
From each fund's latest monthly portfolio: HDFC Children's Fund, September 2026; SBI Children's Fund - Investment Plan, September 2026
Holdings in common
- Overlap
- 9.7%
- Held by both
- 4
- Only in HDFC Children's
- 104
- Only in SBI Children's Fund - Investment Plan
- 31
| Security | % of HDFC Children's | % of SBI Children's Fund - Investment Plan |
|---|---|---|
| State Bank of India | 3.25% | 4.35% |
| Kotak Mahindra Bank Limited | 3.00% | 3.67% |
| ICICI Bank Ltd. | 6.62% | 2.49% |
| Bajaj Finance Ltd. | 0.93% | 2.53% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 9.7% means 9.7% 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 HDFC Children's Fund
| Security | % of fund |
|---|---|
| HDFC Bank Ltd. | 6.19% |
| 7.18% GOI MAT 140833 | 3.74% |
| Larsen and Toubro Ltd. | 3.58% |
| 7.1% GOI MAT 080434 | 2.99% |
| Reliance Industries Ltd. | 2.85% |
Largest holdings only in SBI Children's Fund - Investment Plan
| Security | % of fund |
|---|---|
| Thangamayil Jewellery Ltd. | 4.46% |
| Hatsun Agro Product Ltd. | 3.83% |
| Adani Enterprises Ltd. | 3.65% |
| Aequs Ltd. | 3.52% |
| Sona Blw Precision Forgings Ltd. | 3.45% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | HDFC Children's | SBI Children's Fund - Investment Plan |
|---|---|---|
| Equity | 70.5% | 86.8% |
| Debt | 26.4% | 0.4% |
| Cash and others | 3.2% | 12.9% |
Market cap of stocks
| Market cap | HDFC Children's | SBI Children's Fund - Investment Plan |
|---|---|---|
| Large Cap | 36.7% | 19.3% |
| Mid Cap | 6.5% | 3.5% |
| Small Cap | 25.6% | 51.7% |
| Foreign stocks | 0.0% | 12.3% |
| Not on AMFI's list | 1.6% | 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 | HDFC Children's | SBI Children's Fund - Investment Plan |
|---|---|---|
| Banks | 21.3% | 10.5% |
| Food Products | 0.0% | 7.9% |
| Consumer Durables | 1.8% | 7.0% |
| Industrial Products | 5.8% | 0.0% |
| IT - Services | 0.6% | 5.4% |
| IT - Software | 2.9% | 5.4% |
| Auto Components | 3.4% | 5.3% |
| Construction | 3.8% | 0.0% |
| Retailing | 3.5% | 0.0% |
| Petroleum Products | 3.4% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
HDFC Children's vs SBI Children's Fund - Investment Plan: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | HDFC Children's Fund | SBI Children's Fund - Investment Plan |
|---|---|---|
| Total expense ratio (Direct) | 1.03% | 1.06% |
| Base expense ratio (Direct) | 0.84% | 0.72% |
| Total expense ratio (Regular) | 1.81% | 1.99% |
| Base expense ratio (Regular) | 1.50% | 1.53% |
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.
HDFC Children's Fund vs SBI Children's Fund - Investment Plan: Frequently Asked Questions
What is the difference between HDFC Children's Fund and SBI Children's Fund - Investment Plan?
HDFC Children's Fund is a Solution fund, SBI Children's Fund - Investment Plan is a Solution fund, run by HDFC Mutual Fund and SBI Mutual Fund. Their portfolios overlap 9.7%. HDFC Children's Fund charges 1.03% a year and SBI Children's Fund - Investment Plan 1.06%.
Which has given higher returns, HDFC Children's Fund or SBI Children's Fund - Investment Plan?
Over 1 year: HDFC Children's Fund −6.09%, SBI Children's Fund - Investment Plan +6.28%. Over 3 years: HDFC Children's Fund +7.95% a year, SBI Children's Fund - Investment Plan +20.25% a year. Over 5 years: HDFC Children's Fund +9.25% a year, SBI Children's Fund - Investment Plan +17.93% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, HDFC Children's Fund or SBI Children's Fund - Investment Plan?
HDFC Children's Fund charges less: 1.03% a year against 1.06%. These are the Direct plans' total expense ratios reported to AMFI.
How much do HDFC Children's Fund and SBI Children's Fund - Investment Plan overlap?
9.7%. They hold 4 of the same securities, the largest shared ones being SBIN, KOTAKBANK, ICICIBANK. From each fund's latest monthly portfolio.
Which is riskier, HDFC Children's Fund or SBI Children's Fund - Investment Plan?
On SEBI's riskometer, HDFC Children's Fund is rated Very High and SBI Children's Fund - Investment Plan Very High. Over 3 years, the standard deviation of daily returns was 9.57% and 12.53% a year.
Which is better for SIP, HDFC Children's Fund or SBI Children's Fund - Investment Plan?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,31,165 in HDFC Children's Fund (XIRR 7.1% a year) and ₹9,64,842 in SBI Children's Fund - Investment Plan (XIRR 18.1% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both HDFC Children's Fund and SBI Children's Fund - Investment Plan?
Yes. 9.7% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages HDFC Children's Fund and SBI Children's Fund - Investment Plan?
HDFC Children's Fund: Chirag Setalvad, Gopal Agrawal, Anil Bamboli. SBI Children's Fund - Investment Plan: Lokesh Mallya, R Srinivasan.
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.