SBI Children's Fund - Savings Plan vs SBI Medium Term Fund
Direct Plan, Growth option · Data as on 30-10-2026
SBI Children's Fund - Savings Plan is a Solution fund and SBI Medium Term Fund is a Medium Duration fund. In the 3 years to 30-10-2026, SBI Children's Fund - Savings Plan (Direct) returned 10.7% a year and SBI Medium Term Fund (Direct) returned 7.4% a year. SBI Children's Fund - Savings Plan charges 0.91% a year and SBI Medium Term Fund 0.72% (Direct plans). Their portfolios overlap 10.6%: they hold 10 of the same securities.
SBI Children's Fund - Savings Plan
Solution
- 3 year return
- 10.7%
- Expense ratio
- 0.91%
- NAV
- ₹128.64
SBI Medium Term Fund
Medium Duration
- 3 year return
- 7.4%
- Expense ratio
- 0.72%
- NAV
- ₹59.40
Which is better, SBI Children's Fund - Savings Plan or SBI Medium Term? 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 - Savings Plan returned more over 5 years: 10.0% a year against 6.7%.
- SBI Children's Fund - Savings Plan returned more over 3 years: 10.7% a year against 7.4%.
- SBI Medium Term costs less: 0.72% a year against 0.91% (Direct plans).
- SBI Medium Term swung less over 3 years: a standard deviation of 1.2% a year against 4.2%.
- SBI Medium Term fell less in its worst fall since 29-01-2013: −7.5% against −13.8%.
- SBI Medium Term is the larger fund: ₹6,419 Cr against ₹152 Cr.
- Their portfolios overlap 10.6%: 10 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 - Savings Plan | SBI Medium Term Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | SBI Mutual Fund |
| Category | Solution | Medium Duration |
| AUM | ₹152 Cr (30-09-2026) | ₹6,419 Cr (30-09-2026) |
| NAV | ₹128.64 (Direct) | ₹59.40 (Direct) |
| Expense ratio (Direct) | 0.91% | 0.72% |
| Expense ratio (Regular) | 1.29% | 1.22% |
| Riskometer | Moderately High | Moderately High |
| Benchmark | Nifty 50 Hybrid Composite Debt 15:85 Conservative Index | NIFTY Medium Duration Debt Index A-III |
| Launch date | 21-02-2002 | 12-11-2003 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | 5 years, or until retirement if earlier | None |
| Fund managers | Lokesh Mallya | Lokesh Mallya, Mohit Jain |
| Exit load | Not available | Exit load of 1%, if redeemed within 3 months. |
SBI Children's Fund - Savings Plan vs SBI Medium Term: 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 - Savings Plan (Direct) | −2.27% | −0.93% | +4.28% | +6.97% | +10.65% | +9.98% | +10.82% |
| SBI Medium Term Fund (Direct) | −0.46% | +0.08% | +2.92% | +5.21% | +7.44% | +6.65% | +7.94% |
| Medium Duration average | −0.34% | −0.09% | +2.51% | +4.72% | +7.66% | +6.88% | +6.78% |
Category average: the average of the 13 Medium Duration funds, same plan type.
SBI Children's Fund - Savings Plan vs SBI Medium Term: Year-wise Returns
| Year | Children's Fund - Savings PlanSBI Children's Fund - Savings Plan | Medium TermSBI Medium Term |
|---|---|---|
| 2026to date | +6.21% | +4.15% |
| 2025 | +3.60% | +8.00% |
| 2024 | +17.83% | +8.69% |
| 2023 | +17.34% | +7.81% |
| 2022 | +2.33% | +3.97% |
| 2021 | +18.90% | +4.41% |
SBI Children's Fund - Savings Plan vs SBI Medium Term: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 2,609 of them, one for each trading day from 29-01-2016 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 Children's Fund - Savings Plan (Direct)
SBI Medium Term Fund (Direct)
to
Dec 2016Oct 2015
to
Oct 2018Aug 2017
to
Aug 2020Jun 2019
to
Jun 2022Mar 2021
to
Mar 2024Dec 2022
to
Dec 2025
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 - Savings Plan | 0.0 | 1.2 | 16.6 | 58.3 | 19.7 | 4.2 | 0.0 | 12.8% | 12.7% | 3.5% | 23.3% |
| SBI Medium Term | 0.0 | 0.0 | 72.0 | 28.0 | 0.0 | 0.0 | 0.0 | 9.0% | 9.3% | 5.3% | 14.1% |
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 29-01-2013. Past returns do not promise future returns.
SBI Children's Fund - Savings Plan vs SBI Medium Term: 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 07-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Children's Fund - Savings PlanSBI Children's Fund - Savings Plan (Direct) | ₹16,60,000 | ₹39,02,056 | ₹22,42,056 | 11.6% |
| SBI Medium TermSBI Medium Term Fund (Direct) | ₹16,60,000 | ₹29,93,011 | ₹13,33,011 | 8.1% |
SBI Children's Fund - Savings PlanSBI Children's Fund - Savings Plan (Direct)
SBI Medium TermSBI Medium Term 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 - Savings Plan vs SBI Medium Term: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Children's Fund - Savings Plan (Direct) | SBI Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.97% | +5.21% |
| Standard deviation | 4.60% | 1.48% |
| Sharpe ratio | 0.38 | -0.02 |
| Sortino ratio | 0.52 | -0.03 |
| Maximum drawdown | −3.5% (23-10-2026) | −0.9% (23-10-2026) |
| 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 | SBI Children's Fund - Savings Plan (Direct) | SBI Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.65% | +7.44% |
| Standard deviation | 4.25% | 1.22% |
| Sharpe ratio | 1.09 | 1.17 |
| Sortino ratio | 1.55 | 1.72 |
| Maximum drawdown | −4.5% (04-03-2025) | −0.9% (23-10-2026) |
| 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 | SBI Children's Fund - Savings Plan (Direct) | SBI Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.98% | +6.65% |
| Standard deviation | 4.09% | 1.36% |
| Sharpe ratio | 1.02 | 0.62 |
| Sortino ratio | 1.46 | 0.84 |
| Maximum drawdown | −4.7% (20-06-2022) | −1.7% (06-05-2022) |
| 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 | SBI Children's Fund - Savings Plan (Direct) | SBI Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +11.78% | +8.67% |
| Standard deviation | 5.34% | 2.48% |
| Sharpe ratio | 1.07 | 1.06 |
| Sortino ratio | 1.53 | 1.54 |
| Maximum drawdown | −14.4% (19-08-2013) | −7.5% (28-08-2013) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 07-01-2013 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.
SBI Children's Fund - Savings Plan (Direct)
SBI Medium Term Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Children's Fund - Savings Plan (Direct) | −13.8% | 17-05-2013 | 19-08-2013 | 01-01-2014 | 4 months | −2.9% |
| SBI Medium Term Fund (Direct) | −7.5% | 17-05-2013 | 28-08-2013 | 15-01-2014 | 5 months | −0.8% |
From daily values since 29-01-2013, 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 - Savings Plan (Direct)
SBI Medium Term Fund (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 - Savings Plan (Direct)
SBI Medium Term Fund (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 - Savings Plan (Direct)
SBI Medium Term Fund (Direct)
SBI Children's Fund - Savings Plan vs SBI Medium Term: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Children's Fund - Savings Plan, September 2026; SBI Medium Term Fund, September 2026
Holdings in common
- Overlap
- 10.6%
- Held by both
- 10
- Only in SBI Children's Fund - Savings Plan
- 35
- Only in SBI Medium Term
- 56
| Security | % of SBI Children's Fund - Savings Plan | % of SBI Medium Term |
|---|---|---|
| JSW JFE Kalinga Steel Ltd. | 3.43% | 4.38% |
| 6.48% CGL 2035 | 3.15% | 2.16% |
| 7.64% State Government of Rajasthan 2036 | 3.24% | 1.76% |
| Cholamandalam Investment & Finance Co. Ltd.Perpetual | 3.23% | 0.76% |
| Motilal Oswal Financial Services Ltd. | 3.30% | 0.70% |
| 7.73% State Government of Tamil Nadu 2036 | 3.27% | 0.70% |
| 7.66% State Government of Bihar 2041 | 3.22% | 0.38% |
| Lodha Developers Ltd. | 2.83% | 0.27% |
| Small Industries Development Bank of India | 3.27% | 0.23% |
| Raajmarg Infra Investment Trust | 0.21% | 0.89% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 10.6% means 10.6% 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 - Savings Plan
| Security | % of fund |
|---|---|
| 7.18% CGL 2033 | 6.62% |
| 6.68% CGL 2040 | 6.23% |
| REC Ltd. | 3.30% |
| LIC Housing Finance Ltd. | 3.29% |
| National Bank for Agriculture and Rural Development | 3.28% |
Largest holdings only in SBI Medium Term Fund
| Security | % of fund |
|---|---|
| 6.94% CGL 2036 | 6.90% |
| Godrej Properties Ltd. | 4.69% |
| 7.06% CGL 2041 | 4.54% |
| Aditya Birla Real Estate Ltd. | 3.43% |
| Renew Solar Energy (Jharkhand Five) Pvt. Ltd. | 3.36% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Children's Fund - Savings Plan | SBI Medium Term |
|---|---|---|
| Equity | 22.0% | 0.0% |
| Debt | 71.9% | 87.3% |
| Cash and others | 6.2% | 12.7% |
Market cap of stocks
| Market cap | SBI Children's Fund - Savings Plan | SBI Medium Term |
|---|---|---|
| Large Cap | 3.2% | -- |
| Mid Cap | 1.9% | -- |
| Small Cap | 15.2% | -- |
| Not on AMFI's list | 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 - Savings Plan | SBI Medium Term |
|---|---|---|
| Textiles & Apparels | 3.5% | 0.0% |
| Industrial Manufacturing | 2.7% | 0.0% |
| Consumer Durables | 2.6% | 0.0% |
| Electrical Equipment | 2.5% | 0.0% |
| Power | 2.4% | 0.0% |
| Food Products | 2.3% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Children's Fund - Savings Plan vs SBI Medium Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Children's Fund - Savings Plan | SBI Medium Term Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.91% | 0.72% |
| Base expense ratio (Direct) | 0.74% | 0.61% |
| Total expense ratio (Regular) | 1.29% | 1.22% |
| Base expense ratio (Regular) | 1.07% | 1.04% |
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 - Savings Plan vs SBI Medium Term Fund: Frequently Asked Questions
What is the difference between SBI Children's Fund - Savings Plan and SBI Medium Term Fund?
SBI Children's Fund - Savings Plan is a Solution fund, SBI Medium Term Fund is a Medium Duration fund, run by SBI Mutual Fund. Their portfolios overlap 10.6%. SBI Children's Fund - Savings Plan charges 0.91% a year and SBI Medium Term Fund 0.72%.
Which has given higher returns, SBI Children's Fund - Savings Plan or SBI Medium Term Fund?
Over 1 year: SBI Children's Fund - Savings Plan +6.97%, SBI Medium Term Fund +5.21%. Over 3 years: SBI Children's Fund - Savings Plan +10.65% a year, SBI Medium Term Fund +7.44% a year. Over 5 years: SBI Children's Fund - Savings Plan +9.98% a year, SBI Medium Term Fund +6.65% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Children's Fund - Savings Plan or SBI Medium Term Fund?
SBI Medium Term Fund charges less: 0.72% a year against 0.91%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Children's Fund - Savings Plan and SBI Medium Term Fund overlap?
10.6%. They hold 10 of the same securities, the largest shared ones being JSW JFE Kalinga Steel Ltd., 6.48% CGL 2035, 7.64% State Government of Rajasthan 2036. From each fund's latest monthly portfolio.
Which is riskier, SBI Children's Fund - Savings Plan or SBI Medium Term Fund?
On SEBI's riskometer, SBI Children's Fund - Savings Plan is rated Moderately High and SBI Medium Term Fund Moderately High. Over 3 years, the standard deviation of daily returns was 4.25% and 1.22% a year.
Which is better for SIP, SBI Children's Fund - Savings Plan or SBI Medium Term Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,84,309 in SBI Children's Fund - Savings Plan (XIRR 9.8% a year) and ₹7,29,190 in SBI Medium Term Fund (XIRR 7.0% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both SBI Children's Fund - Savings Plan and SBI Medium Term Fund?
Yes. 10.6% 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 - Savings Plan and SBI Medium Term Fund?
SBI Children's Fund - Savings Plan: Lokesh Mallya. SBI Medium Term Fund: Lokesh Mallya, Mohit Jain.
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.