SBI Children's Fund - Investment Plan vs SBI Children's Fund - Savings Plan
Direct Plan, Growth option · Data as on 29-10-2026
SBI Children's Fund - Investment Plan is a Solution fund and SBI Children's Fund - Savings Plan is a Solution fund. In the 3 years to 30-10-2026, SBI Children's Fund - Investment Plan (Direct) returned 20.3% a year and SBI Children's Fund - Savings Plan (Direct) returned 10.7% a year. SBI Children's Fund - Investment Plan charges 1.06% a year and SBI Children's Fund - Savings Plan 0.91% (Direct plans). Their portfolios overlap 12.7%: they hold 13 of the same securities.
SBI Children's Fund - Investment Plan
Solution
- 3 year return
- 20.3%
- Expense ratio
- 1.06%
- NAV
- ₹51.65
SBI Children's Fund - Savings Plan
Solution
- 3 year return
- 10.7%
- Expense ratio
- 0.91%
- NAV
- ₹128.64
Which is better, SBI Children's Fund - Investment Plan or SBI Children's Fund - Savings 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 10.0%.
- SBI Children's Fund - Investment Plan returned more over 3 years: 20.3% a year against 10.7%.
- SBI Children's Fund - Savings Plan costs less: 0.91% a year against 1.06% (Direct plans).
- SBI Children's Fund - Savings Plan swung less over 3 years: a standard deviation of 4.2% a year against 12.5%.
- SBI Children's Fund - Savings Plan fell less in its worst fall since 07-10-2020: −4.7% against −15.7%.
- SBI Children's Fund - Investment Plan holds 12.3% of the fund in foreign stocks; SBI Children's Fund - Savings Plan 0.0%.
- SBI Children's Fund - Investment Plan holds more in large companies: 19.3% of the fund in large caps against 3.2%.
- SBI Children's Fund - Investment Plan is the larger fund: ₹7,949 Cr against ₹152 Cr.
- Their portfolios overlap 12.7%: 13 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 Children's Fund - Investment Plan | SBI Children's Fund - Savings Plan |
|---|---|---|
| Fund house | SBI Mutual Fund | SBI Mutual Fund |
| Category | Solution | Solution |
| AUM | ₹7,949 Cr (30-09-2026) | ₹152 Cr (30-09-2026) |
| NAV | ₹51.65 (Direct) | ₹128.64 (Direct) |
| Expense ratio (Direct) | 1.06% | 0.91% |
| Expense ratio (Regular) | 1.99% | 1.29% |
| Riskometer | Very High | Moderately High |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | Nifty 50 Hybrid Composite Debt 15:85 Conservative Index |
| Launch date | 29-09-2020 | 21-02-2002 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | 5 years, or until retirement if earlier | 5 years, or until retirement if earlier |
| Fund managers | Lokesh Mallya, R Srinivasan | Lokesh Mallya |
| Exit load | Not available | Not available |
SBI Children's Fund - Investment Plan vs SBI Children's Fund - Savings 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 |
|---|---|---|---|---|---|---|---|
| SBI Children's Fund - Investment Plan (Direct) | −3.21% | −3.49% | +4.70% | +6.28% | +20.25% | +17.93% | -- |
| SBI Children's Fund - Savings Plan (Direct) | −2.27% | −0.93% | +4.28% | +6.97% | +10.65% | +9.98% | +10.82% |
SBI Children's Fund - Investment Plan vs SBI Children's Fund - Savings Plan: Year-wise Returns
| Year | InvestmentSBI Children's Fund - Investment Plan | SavingsSBI Children's Fund - Savings Plan |
|---|---|---|
| 2026to date | +9.10% | +6.21% |
| 2025 | +4.23% | +3.60% |
| 2024 | +40.18% | +17.83% |
| 2023 | +31.47% | +17.34% |
| 2022 | +6.24% | +2.33% |
| 2021 | +80.01% | +18.90% |
SBI Children's Fund - Investment Plan vs SBI Children's Fund - Savings Plan: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 763 of them, one for each trading day from 09-10-2023 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.
SBI Children's Fund - Investment Plan (Direct)
SBI Children's Fund - Savings 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% |
| SBI Children's Fund - Savings Plan | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 12.8% | 12.7% | 10.6% | 14.8% |
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. Every fund is measured over the days all of them have, from 07-10-2020. Past returns do not promise future returns.
SBI Children's Fund - Investment Plan vs SBI Children's Fund - Savings 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 07-10-2020 to 29-10-2026: 73 instalments, ₹7,30,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan (Direct) | ₹7,30,000 | ₹14,11,787 | ₹6,81,787 | 21.6% |
| SBI Children's Fund - Savings PlanSBI Children's Fund - Savings Plan (Direct) | ₹7,30,000 | ₹10,03,968 | ₹2,73,968 | 10.4% |
SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan (Direct)
SBI Children's Fund - Savings PlanSBI Children's Fund - Savings 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.
SBI Children's Fund - Investment Plan vs SBI Children's Fund - Savings Plan: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Children's Fund - Investment Plan (Direct) | SBI Children's Fund - Savings Plan (Direct) |
|---|---|---|
| Return (CAGR) | +6.28% | +6.97% |
| Standard deviation | 12.80% | 4.60% |
| Sharpe ratio | 0.08 | 0.38 |
| Sortino ratio | 0.11 | 0.52 |
| Maximum drawdown | −12.9% (30-03-2026) | −3.5% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 | SBI Children's Fund - Investment Plan (Direct) | SBI Children's Fund - Savings Plan (Direct) |
|---|---|---|
| Return (CAGR) | +20.25% | +10.65% |
| Standard deviation | 12.53% | 4.25% |
| Sharpe ratio | 1.13 | 1.09 |
| Sortino ratio | 1.58 | 1.55 |
| Maximum drawdown | −15.7% (04-03-2025) | −4.5% (04-03-2025) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 | SBI Children's Fund - Investment Plan (Direct) | SBI Children's Fund - Savings Plan (Direct) |
|---|---|---|
| Return (CAGR) | +17.93% | +9.98% |
| Standard deviation | 12.07% | 4.09% |
| Sharpe ratio | 1.01 | 1.02 |
| Sortino ratio | 1.39 | 1.46 |
| Maximum drawdown | −15.7% (04-03-2025) | −4.7% (20-06-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 | SBI Children's Fund - Investment Plan (Direct) | SBI Children's Fund - Savings Plan (Direct) |
|---|---|---|
| Return (CAGR) | +30.90% | +11.78% |
| Standard deviation | 12.55% | 5.34% |
| Sharpe ratio | 2.04 | 1.07 |
| Sortino ratio | 3.03 | 1.53 |
| Maximum drawdown | −15.7% (04-03-2025) | −14.4% (19-08-2013) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 07-10-2020 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.
SBI Children's Fund - Investment Plan (Direct)
SBI Children's Fund - Savings Plan (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Children's Fund - Investment Plan (Direct) | −15.7% | 02-01-2025 | 04-03-2025 | 11-09-2025 | 6 months | −5.5% |
| SBI Children's Fund - Savings Plan (Direct) | −4.7% | 17-01-2022 | 20-06-2022 | 07-09-2022 | 3 months | −2.9% |
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.
SBI Children's Fund - Investment Plan (Direct)
SBI Children's Fund - Savings 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.
SBI Children's Fund - Investment Plan (Direct)
SBI Children's Fund - Savings 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.
SBI Children's Fund - Investment Plan (Direct)
SBI Children's Fund - Savings Plan (Direct)
SBI Children's Fund - Investment Plan vs SBI Children's Fund - Savings Plan: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Children's Fund - Investment Plan, September 2026; SBI Children's Fund - Savings Plan, September 2026
Holdings in common
- Overlap
- 12.7%
- Held by both
- 13
- Only in SBI Children's Fund - Investment Plan
- 22
- Only in SBI Children's Fund - Savings Plan
- 32
| Security | % of SBI Children's Fund - Investment Plan | % of SBI Children's Fund - Savings Plan |
|---|---|---|
| Powerica Ltd. | 2.37% | 2.51% |
| Hatsun Agro Product Ltd. | 3.83% | 1.45% |
| Muthoot Finance Ltd. | 2.65% | 1.26% |
| Sanathan Textiles Ltd. | 1.83% | 1.24% |
| Sona Blw Precision Forgings Ltd. | 3.45% | 1.15% |
| Thangamayil Jewellery Ltd. | 4.46% | 1.10% |
| K.P.R. Mill Ltd. | 1.80% | 1.02% |
| Adani Enterprises Ltd. | 3.65% | 0.96% |
| E.I.D-Parry (India) Ltd. | 2.92% | 0.86% |
| Doms Industries Ltd. | 2.47% | 0.76% |
| Relaxo Footwears Ltd. | 0.54% | 0.28% |
| REC Ltd. | 0.25% | 3.30% |
| Hawkins Cookers Ltd. | 0.03% | 1.21% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 12.7% means 12.7% 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 SBI Children's Fund - Investment Plan
| Security | % of fund |
|---|---|
| State Bank of India | 4.35% |
| Kotak Mahindra Bank Ltd. | 3.67% |
| Aequs Ltd. | 3.52% |
| The Ramco Cements Ltd. | 3.19% |
| Sun TV Network Ltd. | 3.04% |
Largest holdings only in SBI Children's Fund - Savings Plan
| Security | % of fund |
|---|---|
| 7.18% CGL 2033 | 6.62% |
| 6.68% CGL 2040 | 6.23% |
| JSW JFE Kalinga Steel Ltd. | 3.43% |
| Motilal Oswal Financial Services Ltd. | 3.30% |
| LIC Housing Finance Ltd. | 3.29% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Children's Fund - Investment Plan | SBI Children's Fund - Savings Plan |
|---|---|---|
| Equity | 86.8% | 22.0% |
| Debt | 0.4% | 71.9% |
| Cash and others | 12.9% | 6.2% |
Market cap of stocks
| Market cap | SBI Children's Fund - Investment Plan | SBI Children's Fund - Savings Plan |
|---|---|---|
| Large Cap | 19.3% | 3.2% |
| Mid Cap | 3.5% | 1.9% |
| Small Cap | 51.7% | 15.2% |
| Foreign stocks | 12.3% | 0.0% |
| Not on AMFI's list | 0.0% | 1.7% |
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 Children's Fund - Investment Plan | SBI Children's Fund - Savings Plan |
|---|---|---|
| Banks | 10.5% | 0.0% |
| Food Products | 7.9% | 2.3% |
| Consumer Durables | 7.0% | 2.6% |
| IT - Services | 5.4% | 0.0% |
| IT - Software | 5.4% | 0.0% |
| Auto Components | 5.3% | 1.1% |
| Power | 3.8% | 2.4% |
| Textiles & Apparels | 3.6% | 3.5% |
| Industrial Manufacturing | 1.7% | 2.7% |
| Electrical Equipment | 2.4% | 2.5% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Children's Fund - Investment Plan vs SBI Children's Fund - Savings Plan: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Children's Fund - Investment Plan | SBI Children's Fund - Savings Plan |
|---|---|---|
| Total expense ratio (Direct) | 1.06% | 0.91% |
| Base expense ratio (Direct) | 0.72% | 0.74% |
| Total expense ratio (Regular) | 1.99% | 1.29% |
| Base expense ratio (Regular) | 1.53% | 1.07% |
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.
SBI Children's Fund - Investment Plan vs SBI Children's Fund - Savings Plan: Frequently Asked Questions
What is the difference between SBI Children's Fund - Investment Plan and SBI Children's Fund - Savings Plan?
SBI Children's Fund - Investment Plan is a Solution fund, SBI Children's Fund - Savings Plan is a Solution fund, run by SBI Mutual Fund. Their portfolios overlap 12.7%. SBI Children's Fund - Investment Plan charges 1.06% a year and SBI Children's Fund - Savings Plan 0.91%.
Which has given higher returns, SBI Children's Fund - Investment Plan or SBI Children's Fund - Savings Plan?
Over 1 year: SBI Children's Fund - Investment Plan +6.28%, SBI Children's Fund - Savings Plan +6.97%. Over 3 years: SBI Children's Fund - Investment Plan +20.25% a year, SBI Children's Fund - Savings Plan +10.65% a year. Over 5 years: SBI Children's Fund - Investment Plan +17.93% a year, SBI Children's Fund - Savings Plan +9.98% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Children's Fund - Investment Plan or SBI Children's Fund - Savings Plan?
SBI Children's Fund - Savings Plan charges less: 0.91% a year against 1.06%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Children's Fund - Investment Plan and SBI Children's Fund - Savings Plan overlap?
12.7%. They hold 13 of the same securities, the largest shared ones being POWERICA, HATSUN, MUTHOOTFIN. From each fund's latest monthly portfolio.
Which is riskier, SBI Children's Fund - Investment Plan or SBI Children's Fund - Savings Plan?
On SEBI's riskometer, SBI Children's Fund - Investment Plan is rated Very High and SBI Children's Fund - Savings Plan Moderately High. Over 3 years, the standard deviation of daily returns was 12.53% and 4.25% a year.
Which is better for SIP, SBI Children's Fund - Investment Plan or SBI Children's Fund - Savings Plan?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 29-10-2026 grew to ₹9,64,842 in SBI Children's Fund - Investment Plan (XIRR 18.1% a year) and ₹7,84,309 in SBI Children's Fund - Savings Plan (XIRR 9.8% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both SBI Children's Fund - Investment Plan and SBI Children's Fund - Savings Plan?
Yes. 12.7% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages SBI Children's Fund - Investment Plan and SBI Children's Fund - Savings Plan?
SBI Children's Fund - Investment Plan: Lokesh Mallya, R Srinivasan. SBI Children's Fund - Savings Plan: Lokesh Mallya.
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.