SBI Children's Fund - Investment Plan vs SBI Long Term Advantage Fund - Series IV
Direct Plan, Growth option · Data as on 29-10-2026
SBI Children's Fund - Investment Plan is a Solution fund and SBI Long Term Advantage Fund - Series IV is an ELSS fund. In the 3 years to 30-10-2026, SBI Children's Fund - Investment Plan (Direct) returned 20.3% a year and SBI Long Term Advantage Fund - Series IV (Direct) returned 6.0% a year. SBI Children's Fund - Investment Plan charges 1.06% a year and SBI Long Term Advantage Fund - Series IV 1.23% (Direct plans). Their portfolios overlap 15.7%: they hold 6 of the same securities.
SBI Children's Fund - Investment Plan
Solution
- 3 year return
- 20.3%
- Expense ratio
- 1.06%
- NAV
- ₹51.65
SBI Long Term Advantage Fund - Series IV
ELSS
- 3 year return
- 6.0%
- Expense ratio
- 1.23%
- NAV
- ₹45.36
Which is better, SBI Children's Fund - Investment Plan or SBI Long Term Advantage Fund - Series IV? 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 7.8%.
- SBI Children's Fund - Investment Plan returned more over 3 years: 20.3% a year against 6.0%.
- SBI Children's Fund - Investment Plan costs less: 1.06% a year against 1.23% (Direct plans).
- SBI Children's Fund - Investment Plan swung less over 3 years: a standard deviation of 12.5% a year against 13.6%.
- SBI Children's Fund - Investment Plan fell less in its worst fall since 07-10-2020: −15.7% against −21.0%.
- SBI Children's Fund - Investment Plan holds 12.3% of the fund in foreign stocks; SBI Long Term Advantage Fund - Series IV 0.0%.
- SBI Long Term Advantage Fund - Series IV holds more in large companies: 47.8% of the fund in large caps against 19.3%.
- SBI Children's Fund - Investment Plan is the larger fund: ₹7,949 Cr against ₹181 Cr.
- Their portfolios overlap 15.7%: 6 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 Long Term Advantage Fund - Series IV |
|---|---|---|
| Fund house | SBI Mutual Fund | SBI Mutual Fund |
| Category | Solution | ELSS |
| AUM | ₹7,949 Cr (30-09-2026) | ₹181 Cr (30-09-2026) |
| NAV | ₹51.65 (Direct) | ₹45.36 (Direct) |
| Expense ratio (Direct) | 1.06% | 1.23% |
| Expense ratio (Regular) | 1.99% | 1.43% |
| Riskometer | Very High | Not available |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | Not available |
| Launch date | 29-09-2020 | Not available |
| Minimum investment | ₹5,000 | Not available |
| Lock in | 5 years, or until retirement if earlier | Not available |
| Fund managers | Lokesh Mallya, R Srinivasan | Not available |
| Exit load | Not available | Not available |
SBI Children's Fund - Investment Plan vs SBI Long Term Advantage Fund - Series IV: 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 Long Term Advantage Fund - Series IV (Direct) | −2.56% | −8.81% | −7.36% | −11.16% | +6.01% | +7.77% | -- |
| ELSS average | −2.34% | −5.61% | −1.63% | −5.75% | +10.92% | +10.29% | -- |
Category average: the average of the 50 ELSS funds, same plan type.
SBI Children's Fund - Investment Plan vs SBI Long Term Advantage Fund - Series IV: Year-wise Returns
| Year | Children's Fund - Investment PlanSBI Children's Fund - Investment Plan | Long Term Advantage Fund - Series IVSBI Long Term Advantage Fund - Series IV |
|---|---|---|
| 2026to date | +9.10% | −11.73% |
| 2025 | +4.23% | +4.26% |
| 2024 | +40.18% | +21.06% |
| 2023 | +31.47% | +24.40% |
| 2022 | +6.24% | +6.81% |
| 2021 | +80.01% | +59.30% |
SBI Children's Fund - Investment Plan vs SBI Long Term Advantage Fund - Series IV: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of SBI Long Term Advantage Fund - Series IV
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 Long Term Advantage Fund - Series IV (Direct)
BSE 500 TRI
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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | 100% |
| SBI Long Term Advantage Fund - Series IV | 0.0 | 0.0 | 5.6 | 31.0 | 31.6 | 13.9 | 17.8 | 18.2% | 16.6% | 5.3% | 36.3% | 54% |
| BSE 500 TRI | 0.0 | 0.0 | 3.3 | 27.0 | 53.9 | 15.9 | 0.0 | 16.5% | 16.5% | 8.4% | 23.5% | -- |
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 500 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 07-10-2020. Past returns do not promise future returns.
SBI Children's Fund - Investment Plan vs SBI Long Term Advantage Fund - Series IV: 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 Long Term Advantage Fund - Series IVSBI Long Term Advantage Fund - Series IV (Direct) | ₹7,30,000 | ₹9,58,407 | ₹2,28,407 | 8.9% |
SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan (Direct)
SBI Long Term Advantage Fund - Series IVSBI Long Term Advantage Fund - Series IV (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 Long Term Advantage Fund - Series IV: 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 Long Term Advantage Fund - Series IV (Direct) |
|---|---|---|
| Return (CAGR) | +6.28% | −11.16% |
| Standard deviation | 12.80% | 15.11% |
| Sharpe ratio | 0.08 | -1.09 |
| Sortino ratio | 0.11 | -1.43 |
| Maximum drawdown | −12.9% (30-03-2026) | −14.7% (31-03-2026) |
| Beta | -- | 1.01 |
| Alpha | -- | −3.36% |
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 Long Term Advantage Fund - Series IV (Direct) |
|---|---|---|
| Return (CAGR) | +20.25% | +6.01% |
| Standard deviation | 12.53% | 13.64% |
| Sharpe ratio | 1.13 | -0.00 |
| Sortino ratio | 1.58 | -0.00 |
| Maximum drawdown | −15.7% (04-03-2025) | −21.0% (07-04-2025) |
| Beta | -- | 0.87 |
| Alpha | -- | −3.37% |
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 Long Term Advantage Fund - Series IV (Direct) |
|---|---|---|
| Return (CAGR) | +17.93% | +7.77% |
| Standard deviation | 12.07% | 13.15% |
| Sharpe ratio | 1.01 | 0.15 |
| Sortino ratio | 1.39 | 0.20 |
| Maximum drawdown | −15.7% (04-03-2025) | −21.0% (07-04-2025) |
| Beta | -- | 0.82 |
| Alpha | -- | −0.36% |
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 Long Term Advantage Fund - Series IV (Direct) |
|---|---|---|
| Return (CAGR) | +30.90% | +17.11% |
| Standard deviation | 12.55% | 14.97% |
| Sharpe ratio | 2.04 | 0.78 |
| Sortino ratio | 3.03 | 1.06 |
| Maximum drawdown | −15.7% (04-03-2025) | −34.4% (23-03-2020) |
| Beta | -- | 0.81 |
| Alpha | -- | +6.13% |
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 Long Term Advantage Fund - Series IV (Direct)
BSE 500 TRI
| 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 Long Term Advantage Fund - Series IV (Direct) | −21.0% | 23-09-2024 | 07-04-2025 | Not yet | -- | −16.2% |
| BSE 500 TRI | −18.7% | 26-09-2024 | 28-02-2025 | Not yet | -- | −9.4% |
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 Long Term Advantage Fund - Series IV (Direct)
BSE 500 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.
SBI Children's Fund - Investment Plan (Direct)
SBI Long Term Advantage Fund - Series IV (Direct)
BSE 500 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.
SBI Children's Fund - Investment Plan (Direct)
SBI Long Term Advantage Fund - Series IV (Direct)
BSE 500 TRI
Against BSE 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI Children's Fund - Investment Plan (Direct) | 117% | 43% | 11.63% |
| SBI Long Term Advantage Fund - Series IV (Direct) | 104% | 82% | 9.20% |
From month-end values since 07-10-2020. 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 Children's Fund - Investment Plan vs SBI Long Term Advantage Fund - Series IV: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Children's Fund - Investment Plan, September 2026; SBI Long Term Advantage Fund - Series IV, September 2026
Holdings in common
- Overlap
- 15.7%
- Held by both
- 6
- Only in SBI Children's Fund - Investment Plan
- 29
- Only in SBI Long Term Advantage Fund - Series IV
- 23
| Security | % of SBI Children's Fund - Investment Plan | % of SBI Long Term Advantage Fund - Series IV |
|---|---|---|
| Kotak Mahindra Bank Ltd. | 3.67% | 3.68% |
| State Bank of India | 4.35% | 3.18% |
| Muthoot Finance Ltd. | 2.65% | 2.57% |
| Bajaj Finance Ltd. | 2.53% | 7.41% |
| ICICI Bank Ltd. | 2.49% | 7.66% |
| Navin Fluorine International Ltd. | 1.22% | 4.09% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 15.7% means 15.7% 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 |
|---|---|
| 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% |
Largest holdings only in SBI Long Term Advantage Fund - Series IV
| Security | % of fund |
|---|---|
| Eicher Motors Ltd. | 4.73% |
| Tata Motors Ltd. | 3.95% |
| HDFC Bank Ltd. | 3.91% |
| Delhivery Ltd. | 3.84% |
| Sun Pharmaceutical Industries Ltd. | 3.51% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Children's Fund - Investment Plan | SBI Long Term Advantage Fund - Series IV |
|---|---|---|
| Equity | 86.8% | 94.0% |
| Debt | 0.4% | 0.0% |
| Cash and others | 12.9% | 6.0% |
Market cap of stocks
| Market cap | SBI Children's Fund - Investment Plan | SBI Long Term Advantage Fund - Series IV |
|---|---|---|
| Large Cap | 19.3% | 47.8% |
| Mid Cap | 3.5% | 15.2% |
| Small Cap | 51.7% | 27.7% |
| Foreign stocks | 12.3% | 0.0% |
| Not on AMFI's list | 0.0% | 3.3% |
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 Long Term Advantage Fund - Series IV |
|---|---|---|
| Finance | 5.3% | 20.5% |
| Banks | 10.5% | 18.4% |
| Food Products | 7.9% | 0.0% |
| Consumer Durables | 7.0% | 2.0% |
| Transport Services | 0.0% | 6.8% |
| Automobiles | 0.0% | 6.7% |
| Agricultural, Commercial & Construction Vehicles | 2.8% | 6.1% |
| IT - Services | 5.4% | 0.0% |
| IT - Software | 5.4% | 2.1% |
| Auto Components | 5.3% | 3.3% |
| Construction | 0.0% | 5.3% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Children's Fund - Investment Plan vs SBI Long Term Advantage Fund - Series IV: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Children's Fund - Investment Plan | SBI Long Term Advantage Fund - Series IV |
|---|---|---|
| Total expense ratio (Direct) | 1.06% | 1.23% |
| Base expense ratio (Direct) | 0.72% | 0.83% |
| Total expense ratio (Regular) | 1.99% | 1.43% |
| Base expense ratio (Regular) | 1.53% | 1.00% |
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
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SBI Children's Fund - Investment Plan vs SBI Long Term Advantage Fund - Series IV: Frequently Asked Questions
What is the difference between SBI Children's Fund - Investment Plan and SBI Long Term Advantage Fund - Series IV?
SBI Children's Fund - Investment Plan is a Solution fund, SBI Long Term Advantage Fund - Series IV is an ELSS fund, run by SBI Mutual Fund. Their portfolios overlap 15.7%. SBI Children's Fund - Investment Plan charges 1.06% a year and SBI Long Term Advantage Fund - Series IV 1.23%.
Which has given higher returns, SBI Children's Fund - Investment Plan or SBI Long Term Advantage Fund - Series IV?
Over 1 year: SBI Children's Fund - Investment Plan +6.28%, SBI Long Term Advantage Fund - Series IV −11.16%. Over 3 years: SBI Children's Fund - Investment Plan +20.25% a year, SBI Long Term Advantage Fund - Series IV +6.01% a year. Over 5 years: SBI Children's Fund - Investment Plan +17.93% a year, SBI Long Term Advantage Fund - Series IV +7.77% 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 Long Term Advantage Fund - Series IV?
SBI Children's Fund - Investment Plan charges less: 1.06% a year against 1.23%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Children's Fund - Investment Plan and SBI Long Term Advantage Fund - Series IV overlap?
15.7%. They hold 6 of the same securities, the largest shared ones being KOTAKBANK, SBIN, MUTHOOTFIN. From each fund's latest monthly portfolio.
Which is better for SIP, SBI Children's Fund - Investment Plan or SBI Long Term Advantage Fund - Series IV?
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 ₹6,96,966 in SBI Long Term Advantage Fund - Series IV (XIRR 5.2% 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 Long Term Advantage Fund - Series IV?
Yes. 15.7% of each fund's money sits in the same holdings, so some 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.