SBI Comma Fund vs Tata Resources & Energy Fund
Direct Plan, Growth option · Data as on 30-10-2026
SBI Comma Fund is a Thematic fund and Tata Resources & Energy Fund is a Thematic fund. In the 3 years to 30-10-2026, SBI Comma Fund (Direct) returned 13.6% a year and Tata Resources & Energy Fund (Direct) returned 14.9% a year. SBI Comma Fund charges 1.25% a year and Tata Resources & Energy Fund 0.84% (Direct plans). Their portfolios overlap 35.7%: they hold 19 of the same securities.
Tata Resources & Energy Fund
Thematic
- 3 year return
- 14.9%
- Expense ratio
- 0.84%
- NAV
- ₹53.84
Which is better, SBI Comma or Tata Resources & Energy? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Tata Resources & Energy returned more over 5 years: 10.9% a year against 9.2%.
- Tata Resources & Energy returned more over 3 years: 14.9% a year against 13.6%.
- Tata Resources & Energy costs less: 0.84% a year against 1.25% (Direct plans).
- SBI Comma swung less over 3 years: a standard deviation of 17.9% a year against 17.9%.
- Tata Resources & Energy fell less in its worst fall since 29-12-2015: −33.2% against −40.8%.
- Tata Resources & Energy holds more in large companies: 55.6% of the fund in large caps against 36.5%.
- Tata Resources & Energy is the larger fund: ₹1,391 Cr against ₹1,208 Cr.
- Their portfolios overlap 35.7%: 19 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 Comma Fund | Tata Resources & Energy Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | Tata Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹1,208 Cr (30-09-2026) | ₹1,391 Cr (30-09-2026) |
| NAV | ₹117.68 (Direct) | ₹53.84 (Direct) |
| Expense ratio (Direct) | 1.25% | 0.84% |
| Expense ratio (Regular) | 2.30% | 2.22% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty Commodities TRI | Nifty Commodities TRI |
| Launch date | 08-08-2005 | 28-12-2015 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Dinesh Balachandran | Satish Chandra Mishra |
| Exit load | Exit load of 0.50% if redeemed within 30 days. | 0.25% of NAV if redeemed /switched out before 30 days from the date of allotment. |
SBI Comma vs Tata Resources & Energy: 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 Comma Fund (Direct) | −5.23% | −6.39% | −7.86% | −0.87% | +13.61% | +9.21% | +13.91% |
| Tata Resources & Energy Fund (Direct) | −5.03% | −8.19% | −7.26% | −2.16% | +14.90% | +10.90% | +15.18% |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | +11.62% | +13.76% |
Category average: the average of the 235 Thematic funds, same plan type.
SBI Comma vs Tata Resources & Energy: Year-wise Returns
| Year | SBI CommaSBI Comma | Tata Resources & EnergyTata Resources & Energy | Nifty Commodities TRI |
|---|---|---|---|
| 2026to date | −1.71% | −1.53% | −4.85% |
| 2025 | +13.08% | +12.38% | +18.42% |
| 2024 | +11.12% | +14.89% | +6.11% |
| 2023 | +33.02% | +29.73% | +30.65% |
| 2022 | −6.07% | +3.08% | +8.67% |
| 2021 | +52.94% | +49.05% | +49.79% |
SBI Comma vs Tata Resources & Energy: Rolling Returns
Every holding period of both funds, against Nifty Commodities TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 1,939 of them, one for each trading day from 31-12-2018 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 Comma Fund (Direct)
Tata Resources & Energy Fund (Direct)
Nifty Commodities TRI
to
Aug 2019Dec 2017
to
Dec 2020Apr 2019
to
Apr 2022Aug 2020
to
Aug 2023Dec 2021
to
Dec 2024Mar 2023
to
Mar 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 Comma | 3.3 | 8.1 | 12.1 | 12.2 | 25.5 | 24.2 | 14.5 | 16.7% | 17.5% | −8.1% | 35.5% | 56% |
| Tata Resources & Energy | 2.5 | 6.6 | 11.2 | 12.4 | 19.5 | 19.1 | 28.7 | 18.7% | 19.6% | −6.5% | 40.1% | 66% |
| Nifty Commodities TRI | 10.4 | 5.9 | 6.7 | 12.0 | 25.7 | 24.4 | 14.9 | 15.9% | 17.5% | −13.4% | 40.5% | -- |
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 Nifty Commodities 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 29-12-2015. Past returns do not promise future returns.
SBI Comma vs Tata Resources & Energy: 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 01-12-2015 to 30-10-2026: 131 instalments, ₹13,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI CommaSBI Comma Fund (Direct) | ₹13,10,000 | ₹30,47,693 | ₹17,37,693 | 14.7% |
| Tata Resources & EnergyTata Resources & Energy Fund (Direct) | ₹13,10,000 | ₹33,17,979 | ₹20,07,979 | 16.1% |
SBI CommaSBI Comma Fund (Direct)
Tata Resources & EnergyTata Resources & Energy 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 Comma vs Tata Resources & Energy: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Comma Fund (Direct) | Tata Resources & Energy Fund (Direct) |
|---|---|---|
| Return (CAGR) | −0.87% | −2.16% |
| Standard deviation | 14.79% | 16.40% |
| Sharpe ratio | -0.41 | -0.45 |
| Sortino ratio | -0.54 | -0.59 |
| Maximum drawdown | −10.8% (23-10-2026) | −11.5% (23-10-2026) |
| Beta | 0.86 | 0.98 |
| Alpha | +2.28% | +2.10% |
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 Comma Fund (Direct) | Tata Resources & Energy Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.61% | +14.90% |
| Standard deviation | 17.91% | 17.91% |
| Sharpe ratio | 0.42 | 0.50 |
| Sortino ratio | 0.56 | 0.65 |
| Maximum drawdown | −21.9% (28-02-2025) | −20.1% (28-02-2025) |
| Beta | 0.93 | 0.95 |
| Alpha | +0.30% | +1.42% |
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 Comma Fund (Direct) | Tata Resources & Energy Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.21% | +10.90% |
| Standard deviation | 17.69% | 17.89% |
| Sharpe ratio | 0.19 | 0.29 |
| Sortino ratio | 0.25 | 0.37 |
| Maximum drawdown | −26.3% (20-06-2022) | −23.5% (20-06-2022) |
| Beta | 0.91 | 0.95 |
| Alpha | −1.00% | +0.51% |
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 Comma Fund (Direct) | Tata Resources & Energy Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.00% | +16.78% |
| Standard deviation | 18.22% | 18.04% |
| Sharpe ratio | 0.38 | 0.63 |
| Sortino ratio | 0.52 | 0.85 |
| Maximum drawdown | −40.8% (23-03-2020) | −33.2% (23-03-2020) |
| Beta | 0.87 | 0.88 |
| Alpha | +2.34% | +3.11% |
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 Comma Fund (Direct)
Tata Resources & Energy Fund (Direct)
Nifty Commodities TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Comma Fund (Direct) | −40.8% | 12-01-2018 | 23-03-2020 | 17-11-2020 | 8 months | −9.9% |
| Tata Resources & Energy Fund (Direct) | −33.2% | 15-01-2018 | 23-03-2020 | 21-07-2020 | 4 months | −9.9% |
| Nifty Commodities TRI | −47.3% | 09-01-2018 | 23-03-2020 | 07-01-2021 | 10 months | −14.1% |
From daily values since 29-12-2015, 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 Comma Fund (Direct)
Tata Resources & Energy Fund (Direct)
Nifty Commodities 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 Comma Fund (Direct)
Tata Resources & Energy Fund (Direct)
Nifty Commodities 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 Comma Fund (Direct)
Tata Resources & Energy Fund (Direct)
Nifty Commodities TRI
Against Nifty Commodities TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI Comma Fund (Direct) | 90% | 77% | 7.54% |
| Tata Resources & Energy Fund (Direct) | 91% | 78% | 6.50% |
From month-end values since 29-12-2015. 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 Comma vs Tata Resources & Energy: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Comma Fund, September 2026; Tata Resources & Energy Fund, September 2026
Holdings in common
- Overlap
- 35.7%
- Held by both
- 19
- Only in SBI Comma
- 22
- Only in Tata Resources & Energy
- 25
| Security | % of SBI Comma | % of Tata Resources & Energy |
|---|---|---|
| Tata Steel Ltd. | 6.52% | 4.37% |
| Oil & Natural Gas Corporation Ltd. | 4.24% | 3.57% |
| Ultratech Cement Ltd. | 3.08% | 5.51% |
| Vedanta Aluminium Metal Ltd. | 2.96% | 5.05% |
| JSW Steel Ltd. | 5.19% | 2.70% |
| Coal India Ltd. | 2.29% | 1.83% |
| Reliance Industries Ltd. | 1.80% | 3.58% |
| Hindustan Zinc Ltd. | 1.73% | 2.44% |
| Hindustan Petroleum Corporation Ltd. | 1.74% | 1.64% |
| NHPC Ltd. | 1.63% | 1.83% |
| NMDC Ltd. | 2.62% | 1.38% |
| Nuvoco Vistas Corporation Ltd. | 1.68% | 1.33% |
| Hindalco Industries Ltd. | 1.70% | 1.32% |
| CESC Ltd. | 3.51% | 1.15% |
| Power Grid Corporation of India Ltd. | 2.01% | 1.12% |
| Indian Oil Corporation Ltd. | 1.68% | 1.07% |
| Oil India Ltd. | 2.92% | 1.03% |
| Ambuja Cements Ltd. | 1.01% | 3.76% |
| Jindal Stainless Ltd. | 1.96% | 0.94% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 35.7% means 35.7% 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 Comma Fund
| Security | % of fund |
|---|---|
| Sudeep Pharma Ltd. | 6.86% |
| Arvind Ltd. | 3.40% |
| Gokaldas Exports Ltd. | 3.32% |
| Clean Science & Technology Ltd. | 2.59% |
| UPL Ltd. | 2.41% |
Largest holdings only in Tata Resources & Energy Fund
| Security | % of fund |
|---|---|
| ADANI ENERGY SOLUTIONS LTD | 4.62% |
| ADANI POWER LTD | 3.67% |
| BHARAT PETROLEUM CORPORATION LTD | 3.27% |
| NTPC LTD | 3.25% |
| JINDAL STEEL LTD | 2.94% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Comma | Tata Resources & Energy |
|---|---|---|
| Equity | 91.0% | 95.4% |
| Debt | 0.3% | 0.0% |
| Cash and others | 8.7% | 4.6% |
Market cap of stocks
| Market cap | SBI Comma | Tata Resources & Energy |
|---|---|---|
| Large Cap | 36.5% | 55.6% |
| Mid Cap | 15.9% | 10.0% |
| Small Cap | 37.3% | 27.8% |
| Not on AMFI's list | 1.4% | 2.1% |
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 Comma | Tata Resources & Energy |
|---|---|---|
| Power | 8.6% | 15.6% |
| Ferrous Metals | 14.5% | 10.9% |
| Cement & Cement Products | 8.3% | 13.0% |
| Chemicals & Petrochemicals | 11.3% | 6.3% |
| Petroleum Products | 5.2% | 11.0% |
| Non - Ferrous Metals | 6.4% | 8.8% |
| Textiles & Apparels | 8.1% | 2.9% |
| Oil | 7.2% | 4.6% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Comma vs Tata Resources & Energy: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Comma Fund | Tata Resources & Energy Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.25% | 0.84% |
| Base expense ratio (Direct) | 0.96% | 0.60% |
| Total expense ratio (Regular) | 2.30% | 2.22% |
| Base expense ratio (Regular) | 1.88% | 1.84% |
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 Comma with
Compare Tata Resources & Energy with
SBI Comma Fund vs Tata Resources & Energy Fund: Frequently Asked Questions
What is the difference between SBI Comma Fund and Tata Resources & Energy Fund?
SBI Comma Fund is a Thematic fund, Tata Resources & Energy Fund is a Thematic fund, run by SBI Mutual Fund and Tata Mutual Fund. Their portfolios overlap 35.7%. SBI Comma Fund charges 1.25% a year and Tata Resources & Energy Fund 0.84%.
Which has given higher returns, SBI Comma Fund or Tata Resources & Energy Fund?
Over 1 year: SBI Comma Fund −0.87%, Tata Resources & Energy Fund −2.16%. Over 3 years: SBI Comma Fund +13.61% a year, Tata Resources & Energy Fund +14.90% a year. Over 5 years: SBI Comma Fund +9.21% a year, Tata Resources & Energy Fund +10.90% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Comma Fund or Tata Resources & Energy Fund?
Tata Resources & Energy Fund charges less: 0.84% a year against 1.25%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Comma Fund and Tata Resources & Energy Fund overlap?
35.7%. They hold 19 of the same securities, the largest shared ones being TATASTEEL, ONGC, ULTRACEMCO. From each fund's latest monthly portfolio.
Which is riskier, SBI Comma Fund or Tata Resources & Energy Fund?
On SEBI's riskometer, SBI Comma Fund is rated Very High and Tata Resources & Energy Fund Very High. Over 3 years, the standard deviation of daily returns was 17.91% and 17.91% a year.
Which is better for SIP, SBI Comma Fund or Tata Resources & Energy Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,88,681 in SBI Comma Fund (XIRR 10.1% a year) and ₹8,02,106 in Tata Resources & Energy Fund (XIRR 10.7% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both SBI Comma Fund and Tata Resources & Energy Fund?
Yes. 35.7% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages SBI Comma Fund and Tata Resources & Energy Fund?
SBI Comma Fund: Dinesh Balachandran. Tata Resources & Energy Fund: Satish Chandra Mishra.
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.