SBI Automotive Opportunities Fund vs Tata NIFTY Auto Index Fund
Direct Plan, Growth option · Data as on 30-10-2026
SBI Automotive Opportunities Fund is a Thematic fund and Tata NIFTY Auto Index Fund is an Index fund. In the year to 30-10-2026, SBI Automotive Opportunities Fund (Direct) returned 17.4% and Tata NIFTY Auto Index Fund (Direct) returned −4.8%. SBI Automotive Opportunities Fund charges 1.01% a year and Tata NIFTY Auto Index Fund 0.54% (Direct plans). Their portfolios overlap 45.2%: they hold 11 of the same securities.
SBI Automotive Opportunities Fund
Thematic
- 1 year return
- 17.4%
- Expense ratio
- 1.01%
- NAV
- ₹12.90
Tata NIFTY Auto Index Fund
Index
- 1 year return
- −4.8%
- Expense ratio
- 0.54%
- NAV
- ₹11.60
Which is better, SBI Automotive Opportunities or Tata NIFTY Auto Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Automotive Opportunities returned more over 1 year: 17.4% against −4.8%.
- Tata NIFTY Auto Index costs less: 0.54% a year against 1.01% (Direct plans).
- Tata NIFTY Auto Index fell less in its worst fall since 12-06-2024: −28.4% against −29.2%.
- Tata NIFTY Auto Index holds more in large companies: 75.5% of the fund in large caps against 36.9%.
- SBI Automotive Opportunities is the larger fund: ₹6,071 Cr against ₹108 Cr.
- Their portfolios overlap 45.2%: 11 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 | SBI Automotive Opportunities Fund | Tata NIFTY Auto Index Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | Tata Mutual Fund |
| Category | Thematic | Index |
| AUM | ₹6,071 Cr (30-09-2026) | ₹108 Cr (30-09-2026) |
| NAV | ₹12.90 (Direct) | ₹11.60 (Direct) |
| Expense ratio (Direct) | 1.01% | 0.54% |
| Expense ratio (Regular) | 2.00% | 1.08% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty Auto TRI | Nifty Auto TRI |
| Launch date | 05-06-2024 | 26-04-2024 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Tanmaya Desai | Nitin Sharma, Rakesh Prajapati |
| Exit load | Exit load of 1%, if redeemed within 30 days. | Exit Load: 0.25% of the applicable NAV, if redeemed on or before 15 days from the date of allotment. |
SBI Automotive Opportunities vs Tata NIFTY Auto Index: 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 |
|---|---|---|---|---|---|---|---|
| SBI Automotive Opportunities Fund (Direct) | −3.39% | −0.28% | +11.80% | +17.36% | -- | -- | -- |
| Tata NIFTY Auto Index Fund (Direct) | −3.35% | −9.94% | −1.26% | −4.83% | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
SBI Automotive Opportunities vs Tata NIFTY Auto Index: Year-wise Returns
| Year | SBI Automotive OpportunitiesSBI Automotive Opportunities | Tata NIFTY Auto IndexTata NIFTY Auto Index | Nifty Auto TRI |
|---|---|---|---|
| 2026to date | +11.76% | −9.25% | −8.88% |
| 2025 | +22.14% | +23.72% | +24.59% |
SBI Automotive Opportunities vs Tata NIFTY Auto Index: Rolling Returns
Every holding period of both funds, against Nifty Auto TRI, the benchmark of both
Rolling returns
Every 1-year holding period, 346 of them, one for each trading day from 12-06-2025 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.
SBI Automotive Opportunities Fund (Direct)
Tata NIFTY Auto Index Fund (Direct)
Nifty Auto TRI
to
Jul 2025Oct 2024
to
Oct 2025Jan 2025
to
Jan 2026Apr 2025
to
Apr 2026Jun 2025
to
Jun 2026Sept 2025
to
Sept 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SBI Automotive Opportunities | 22.3 | 3.5 | 1.7 | 7.2 | 14.2 | 18.5 | 32.7 | 17.0% | 20.5% | −10.0% | 42.7% | 60% |
| Tata NIFTY Auto Index | 25.2 | 8.2 | 6.2 | 18.2 | 19.9 | 14.4 | 7.9 | 10.7% | 13.3% | −11.0% | 34.8% | 1% |
| Nifty Auto TRI | 22.5 | 9.8 | 6.1 | 16.2 | 21.7 | 14.5 | 9.2 | 11.4% | 14.0% | −10.7% | 38.8% | -- |
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 Auto 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 12-06-2024. Past returns do not promise future returns.
SBI Automotive Opportunities vs Tata NIFTY Auto Index: 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 12-06-2024 to 30-10-2026: 29 instalments, ₹2,90,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Automotive OpportunitiesSBI Automotive Opportunities Fund (Direct) | ₹2,90,000 | ₹3,52,836 | ₹62,836 | 16.6% |
| Tata NIFTY Auto IndexTata NIFTY Auto Index Fund (Direct) | ₹2,90,000 | ₹2,95,929 | ₹5,929 | 1.6% |
SBI Automotive OpportunitiesSBI Automotive Opportunities Fund (Direct)
Tata NIFTY Auto IndexTata NIFTY Auto Index 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.
SBI Automotive Opportunities vs Tata NIFTY Auto Index: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Automotive Opportunities Fund (Direct) | Tata NIFTY Auto Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +17.36% | −4.83% |
| Standard deviation | 19.22% | 21.07% |
| Sharpe ratio | 0.63 | -0.48 |
| Sortino ratio | 0.90 | -0.65 |
| Maximum drawdown | −13.5% (23-03-2026) | −17.8% (31-03-2026) |
| Beta | 0.85 | 1.00 |
| Alpha | +20.19% | −0.60% |
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 | SBI Automotive Opportunities Fund (Direct) | Tata NIFTY Auto Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.54% | +5.60% |
| Standard deviation | 17.80% | 19.98% |
| Sharpe ratio | 0.21 | -0.01 |
| Sortino ratio | 0.30 | -0.02 |
| Maximum drawdown | −29.2% (07-04-2025) | −28.4% (07-04-2025) |
| Beta | 0.85 | 1.00 |
| Alpha | +7.49% | −0.56% |
From daily NAVs, 12-06-2024 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.
SBI Automotive Opportunities Fund (Direct)
Tata NIFTY Auto Index Fund (Direct)
Nifty Auto TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Automotive Opportunities Fund (Direct) | −29.2% | 27-09-2024 | 07-04-2025 | 01-12-2025 | 8 months | −8.7% |
| Tata NIFTY Auto Index Fund (Direct) | −28.4% | 27-09-2024 | 07-04-2025 | 20-11-2025 | 7 months | −14.3% |
| Nifty Auto TRI | −28.2% | 27-09-2024 | 07-04-2025 | 12-11-2025 | 7 months | −14.3% |
From daily values since 12-06-2024, 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.
SBI Automotive Opportunities Fund (Direct)
Tata NIFTY Auto Index Fund (Direct)
Nifty Auto TRI
Against Nifty Auto TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI Automotive Opportunities Fund (Direct) | 109% | 82% | 7.48% |
| Tata NIFTY Auto Index Fund (Direct) | 98% | 100% | 0.17% |
From month-end values since 12-06-2024. 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.
SBI Automotive Opportunities vs Tata NIFTY Auto Index: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Automotive Opportunities Fund, September 2026; Tata NIFTY Auto Index Fund, September 2026
Holdings in common
- Overlap
- 45.2%
- Held by both
- 11
- Only in SBI Automotive Opportunities
- 25
- Only in Tata NIFTY Auto Index
- 4
| Security | % of SBI Automotive Opportunities | % of Tata NIFTY Auto Index |
|---|---|---|
| Mahindra & Mahindra Ltd. | 12.15% | 22.28% |
| TVS Motor Company Ltd. | 4.87% | 8.15% |
| Eicher Motors Ltd. | 4.71% | 8.34% |
| Samvardhana Motherson International Ltd. | 4.30% | 6.10% |
| Maruti Suzuki India Ltd. | 3.84% | 13.15% |
| Bharat Forge Ltd. | 3.81% | 4.52% |
| Bosch Ltd. | 3.49% | 3.45% |
| Sona Blw Precision Forgings Ltd. | 4.79% | 3.15% |
| Hyundai Motor India Ltd. | 2.51% | 2.44% |
| UNO Minda Ltd. | 2.54% | 1.80% |
| Bajaj Auto Ltd. | 0.72% | 10.03% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 45.2% means 45.2% 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 SBI Automotive Opportunities Fund
| Security | % of fund |
|---|---|
| Tata Motors Ltd. | 3.75% |
| Sansera Engineering Ltd. | 3.59% |
| Dhoot Transmission Ltd. | 3.43% |
| Sedemac Mechatronics Ltd. | 3.11% |
| Ather Energy Ltd. | 3.00% |
Largest holdings only in Tata NIFTY Auto Index Fund
| Security | % of fund |
|---|---|
| HERO MOTOCORP LTD | 5.75% |
| TATA MOTORS PASSENGER VEHICLES LTD | 5.01% |
| ASHOK LEYLAND LTD | 3.73% |
| TUBE INVESTMENTS OF INDIA LTD | 2.14% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Automotive Opportunities | Tata NIFTY Auto Index |
|---|---|---|
| Equity | 97.0% | 100.0% |
| Debt | 0.1% | 0.0% |
| Cash and others | 2.9% | -0.0% |
Market cap of stocks
| Market cap | SBI Automotive Opportunities | Tata NIFTY Auto Index |
|---|---|---|
| Large Cap | 36.9% | 75.5% |
| Mid Cap | 19.4% | 24.5% |
| Small Cap | 37.4% | 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 | SBI Automotive Opportunities | Tata NIFTY Auto Index |
|---|---|---|
| Automobiles | 31.8% | 75.2% |
| Auto Components | 54.7% | 21.2% |
| Industrial Products | 6.8% | 0.0% |
| Agricultural, Commercial & Construction Vehicles | 3.8% | 3.7% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Automotive Opportunities vs Tata NIFTY Auto Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Automotive Opportunities Fund | Tata NIFTY Auto Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.01% | 0.54% |
| Base expense ratio (Direct) | 0.72% | 0.40% |
| Total expense ratio (Regular) | 2.00% | 1.08% |
| Base expense ratio (Regular) | 1.58% | 0.90% |
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 SBI Automotive Opportunities with
SBI Automotive Opportunities Fund vs Tata NIFTY Auto Index Fund: Frequently Asked Questions
What is the difference between SBI Automotive Opportunities Fund and Tata NIFTY Auto Index Fund?
SBI Automotive Opportunities Fund is a Thematic fund, Tata NIFTY Auto Index Fund is an Index fund, run by SBI Mutual Fund and Tata Mutual Fund. Their portfolios overlap 45.2%. SBI Automotive Opportunities Fund charges 1.01% a year and Tata NIFTY Auto Index Fund 0.54%.
Which has given higher returns, SBI Automotive Opportunities Fund or Tata NIFTY Auto Index Fund?
Over 1 year: SBI Automotive Opportunities Fund +17.36%, Tata NIFTY Auto Index Fund −4.83%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Automotive Opportunities Fund or Tata NIFTY Auto Index Fund?
Tata NIFTY Auto Index Fund charges less: 0.54% a year against 1.01%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Automotive Opportunities Fund and Tata NIFTY Auto Index Fund overlap?
45.2%. They hold 11 of the same securities, the largest shared ones being M&M, TVSMOTOR, EICHERMOT. From each fund's latest monthly portfolio.
Which is riskier, SBI Automotive Opportunities Fund or Tata NIFTY Auto Index Fund?
On SEBI's riskometer, SBI Automotive Opportunities Fund is rated Very High and Tata NIFTY Auto Index Fund Very High. Over 1 years, the standard deviation of daily returns was 19.22% and 21.07% a year.
Can I invest in both SBI Automotive Opportunities Fund and Tata NIFTY Auto Index Fund?
Yes. 45.2% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages SBI Automotive Opportunities Fund and Tata NIFTY Auto Index Fund?
SBI Automotive Opportunities Fund: Tanmaya Desai. Tata NIFTY Auto Index Fund: Nitin Sharma, Rakesh Prajapati.
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.