SBI Children's Fund - Investment Plan vs SBI MultiCap Fund
Direct Plan, Growth option · Data as on 29-10-2026
SBI Children's Fund - Investment Plan is a Solution fund and SBI MultiCap Fund is a Multi Cap fund. In the 3 years to 30-10-2026, SBI Children's Fund - Investment Plan (Direct) returned 20.3% a year and SBI MultiCap Fund (Direct) returned 11.7% a year. SBI Children's Fund - Investment Plan charges 1.06% a year and SBI MultiCap Fund 1.06% (Direct plans). Their portfolios overlap 17.8%: they hold 12 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, SBI Children's Fund - Investment Plan or SBI MultiCap? 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 3 years: 20.3% a year against 11.7%.
- SBI Children's Fund - Investment Plan returned more over 1 year: 6.3% against −6.8%.
- SBI Children's Fund - Investment Plan swung less over 3 years: a standard deviation of 12.5% a year against 13.1%.
- SBI MultiCap fell less in its worst fall since 15-03-2022: −15.1% against −15.7%.
- SBI Children's Fund - Investment Plan holds 12.3% of the fund in foreign stocks; SBI MultiCap 0.0%.
- SBI MultiCap holds more in large companies: 35.1% of the fund in large caps against 19.3%.
- SBI MultiCap is the larger fund: ₹23,456 Cr against ₹7,949 Cr.
- Their portfolios overlap 17.8%: 12 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 MultiCap Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | SBI Mutual Fund |
| Category | Solution | Multi Cap |
| AUM | ₹7,949 Cr (30-09-2026) | ₹23,456 Cr (30-09-2026) |
| NAV | ₹51.65 (Direct) | ₹16.86 (Direct) |
| Expense ratio (Direct) | 1.06% | 1.06% |
| Expense ratio (Regular) | 1.99% | 1.84% |
| Riskometer | Very High | Very High |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | NIFTY 500 Multicap 50:25:25 Total Return Index |
| Launch date | 29-09-2020 | 08-03-2022 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | 5 years, or until retirement if earlier | None |
| Fund managers | Lokesh Mallya, R Srinivasan | R Srinivasan, Saurabh Pant |
| Exit load | Not available | Exit load of 0.25% if redeemed within 30 days and 0.10% if redeemed after 30 days but on or before 90 days. |
SBI Children's Fund - Investment Plan vs SBI MultiCap: 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 MultiCap Fund (Direct) | −3.15% | −5.73% | −1.62% | −6.77% | +11.73% | -- | -- |
| Multi Cap average | −2.65% | −3.95% | +1.99% | −1.14% | +13.54% | -- | -- |
Category average: the average of the 33 Multi Cap funds, same plan type.
SBI Children's Fund - Investment Plan vs SBI MultiCap: Year-wise Returns
| Year | Children's Fund - Investment PlanSBI Children's Fund - Investment Plan | MultiCapSBI MultiCap |
|---|---|---|
| 2026to date | +9.10% | −4.05% |
| 2025 | +4.23% | +3.83% |
| 2024 | +40.18% | +27.02% |
| 2023 | +31.47% | +23.63% |
| 2022 | +6.24% | -- |
| 2021 | +80.01% | -- |
SBI Children's Fund - Investment Plan vs SBI MultiCap: Rolling Returns
Every holding period of both funds, against Nifty500 Multicap 50:25:25 TRI, the benchmark of SBI MultiCap Fund
Rolling returns
Every 3-year holding period, 407 of them, one for each trading day from 17-03-2025 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 MultiCap Fund (Direct)
Nifty500 Multicap 50:25:25 TRI
to
May 2025Aug 2022
to
Aug 2025Nov 2022
to
Nov 2025Mar 2023
to
Mar 2026Jun 2023
to
Jun 2026Sept 2023
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 Children's Fund - Investment Plan | 0.0 | 0.0 | 0.0 | 0.0 | 3.2 | 81.1 | 15.7 | 23.3% | 23.4% | 18.1% | 27.5% | 100% |
| SBI MultiCap | 0.0 | 0.0 | 0.0 | 18.0 | 70.0 | 12.1 | 0.0 | 17.1% | 17.2% | 10.1% | 23.7% | 26% |
| Nifty500 Multicap 50:25:25 TRI | 0.0 | 0.0 | 0.0 | 20.1 | 63.6 | 15.0 | 1.2 | 17.6% | 17.8% | 10.1% | 25.5% | -- |
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 Nifty500 Multicap 50:25:25 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 15-03-2022. Past returns do not promise future returns.
SBI Children's Fund - Investment Plan vs SBI MultiCap: 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 02-03-2022 to 29-10-2026: 56 instalments, ₹5,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan (Direct) | ₹5,60,000 | ₹8,53,050 | ₹2,93,050 | 18.2% |
| SBI MultiCapSBI MultiCap Fund (Direct) | ₹5,60,000 | ₹6,89,053 | ₹1,29,053 | 8.9% |
SBI Children's Fund - Investment PlanSBI Children's Fund - Investment Plan (Direct)
SBI MultiCapSBI MultiCap 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 Children's Fund - Investment Plan vs SBI MultiCap: 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 MultiCap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.28% | −6.77% |
| Standard deviation | 12.80% | 14.08% |
| Sharpe ratio | 0.08 | -0.85 |
| Sortino ratio | 0.11 | -1.13 |
| Maximum drawdown | −12.9% (30-03-2026) | −14.6% (31-03-2026) |
| Beta | -- | 0.90 |
| Alpha | -- | −1.84% |
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 MultiCap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +20.25% | +11.73% |
| Standard deviation | 12.53% | 13.09% |
| Sharpe ratio | 1.13 | 0.44 |
| Sortino ratio | 1.58 | 0.59 |
| Maximum drawdown | −15.7% (04-03-2025) | −15.1% (31-03-2026) |
| Beta | -- | 0.81 |
| Alpha | -- | +1.43% |
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 MultiCap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +30.90% | +11.52% |
| Standard deviation | 12.55% | 12.18% |
| Sharpe ratio | 2.04 | 0.45 |
| Sortino ratio | 3.03 | 0.61 |
| Maximum drawdown | −15.7% (04-03-2025) | −15.1% (31-03-2026) |
| Beta | -- | 0.79 |
| Alpha | -- | +0.26% |
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 MultiCap Fund (Direct)
Nifty500 Multicap 50:25:25 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 MultiCap Fund (Direct) | −15.1% | 23-07-2025 | 31-03-2026 | 20-08-2026 | 5 months | −8.0% |
| Nifty500 Multicap 50:25:25 TRI | −19.8% | 26-09-2024 | 03-03-2025 | 03-08-2026 | 17 months | −8.0% |
From daily values since 15-03-2022, 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 MultiCap Fund (Direct)
Nifty500 Multicap 50:25:25 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 MultiCap Fund (Direct)
Nifty500 Multicap 50:25:25 TRI
Against Nifty500 Multicap 50:25:25 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI Children's Fund - Investment Plan (Direct) | 95% | 54% | 8.13% |
| SBI MultiCap Fund (Direct) | 85% | 77% | 4.93% |
From month-end values since 15-03-2022. 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 MultiCap: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Children's Fund - Investment Plan, September 2026; SBI MultiCap Fund, September 2026
Holdings in common
- Overlap
- 17.8%
- Held by both
- 12
- Only in SBI Children's Fund - Investment Plan
- 23
- Only in SBI MultiCap
- 59
| Security | % of SBI Children's Fund - Investment Plan | % of SBI MultiCap |
|---|---|---|
| Adani Enterprises Ltd. | 3.65% | 3.47% |
| Kotak Mahindra Bank Ltd. | 3.67% | 2.67% |
| ICICI Bank Ltd. | 2.49% | 3.94% |
| Jubilant Foodworks Ltd. | 2.87% | 1.97% |
| K.P.R. Mill Ltd. | 1.80% | 3.06% |
| Sona Blw Precision Forgings Ltd. | 3.45% | 1.77% |
| Muthoot Finance Ltd. | 2.65% | 1.11% |
| Navin Fluorine International Ltd. | 1.22% | 1.05% |
| Amagi Media Labs Ltd. | 2.42% | 0.74% |
| Thangamayil Jewellery Ltd. | 4.46% | 0.54% |
| Brigade Hotel Ventures Ltd. | 0.39% | 0.14% |
| 364 DAY T-BILL 19.11.26 | 0.12% | 0.08% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 17.8% means 17.8% 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% |
| Hatsun Agro Product Ltd. | 3.83% |
| Aequs Ltd. | 3.52% |
| The Ramco Cements Ltd. | 3.19% |
| Sun TV Network Ltd. | 3.04% |
Largest holdings only in SBI MultiCap Fund
| Security | % of fund |
|---|---|
| Adani Power Ltd. | 3.48% |
| Divi's Laboratories Ltd. | 3.37% |
| HDFC Bank Ltd. | 3.02% |
| Aether Industries Ltd. | 2.61% |
| Paradeep Phosphates Ltd. | 2.30% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Children's Fund - Investment Plan | SBI MultiCap |
|---|---|---|
| Equity | 86.8% | 99.1% |
| Debt | 0.4% | 0.1% |
| Cash and others | 12.9% | 0.8% |
Market cap of stocks
| Market cap | SBI Children's Fund - Investment Plan | SBI MultiCap |
|---|---|---|
| Large Cap | 19.3% | 35.1% |
| Mid Cap | 3.5% | 26.3% |
| Small Cap | 51.7% | 33.5% |
| Foreign stocks | 12.3% | 0.0% |
| Not on AMFI's list | 0.0% | 4.2% |
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 MultiCap |
|---|---|---|
| Banks | 10.5% | 12.3% |
| Consumer Durables | 7.0% | 8.8% |
| Retailing | 0.0% | 8.6% |
| Food Products | 7.9% | 0.0% |
| Auto Components | 5.3% | 7.5% |
| Power | 3.8% | 6.3% |
| Pharmaceuticals & Biotechnology | 0.0% | 6.3% |
| IT - Services | 5.4% | 0.7% |
| IT - Software | 5.4% | 2.0% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Children's Fund - Investment Plan vs SBI MultiCap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Children's Fund - Investment Plan | SBI MultiCap Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.06% | 1.06% |
| Base expense ratio (Direct) | 0.72% | 0.73% |
| Total expense ratio (Regular) | 1.99% | 1.84% |
| Base expense ratio (Regular) | 1.53% | 1.40% |
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
SBI Children's Fund - Investment Plan vs SBI MultiCap Fund: Frequently Asked Questions
What is the difference between SBI Children's Fund - Investment Plan and SBI MultiCap Fund?
SBI Children's Fund - Investment Plan is a Solution fund, SBI MultiCap Fund is a Multi Cap fund, run by SBI Mutual Fund. Their portfolios overlap 17.8%. SBI Children's Fund - Investment Plan charges 1.06% a year and SBI MultiCap Fund 1.06%.
Which has given higher returns, SBI Children's Fund - Investment Plan or SBI MultiCap Fund?
Over 1 year: SBI Children's Fund - Investment Plan +6.28%, SBI MultiCap Fund −6.77%. Over 3 years: SBI Children's Fund - Investment Plan +20.25% a year, SBI MultiCap Fund +11.73% 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 MultiCap Fund?
Both charge 1.06% a year.
How much do SBI Children's Fund - Investment Plan and SBI MultiCap Fund overlap?
17.8%. They hold 12 of the same securities, the largest shared ones being ADANIENT, KOTAKBANK, ICICIBANK. From each fund's latest monthly portfolio.
Which is riskier, SBI Children's Fund - Investment Plan or SBI MultiCap Fund?
On SEBI's riskometer, SBI Children's Fund - Investment Plan is rated Very High and SBI MultiCap Fund Very High. Over 3 years, the standard deviation of daily returns was 12.53% and 13.09% a year.
Which is better for SIP, SBI Children's Fund - Investment Plan or SBI MultiCap Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 29-10-2026 grew to ₹4,59,391 in SBI Children's Fund - Investment Plan (XIRR 14.2% a year) and ₹3,89,595 in SBI MultiCap Fund (XIRR 3.3% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both SBI Children's Fund - Investment Plan and SBI MultiCap Fund?
Yes. 17.8% 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 MultiCap Fund?
SBI Children's Fund - Investment Plan: Lokesh Mallya, R Srinivasan. SBI MultiCap Fund: R Srinivasan, Saurabh Pant.
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.