SBI ESG Exclusionary Strategy Fund vs Tata Housing Opportunities Fund
Direct Plan, Growth option · Data as on 30-10-2026
SBI ESG Exclusionary Strategy Fund is a Thematic fund and Tata Housing Opportunities Fund is a Thematic fund. In the 3 years to 30-10-2026, SBI ESG Exclusionary Strategy Fund (Direct) returned 9.0% a year and Tata Housing Opportunities Fund (Direct) returned 6.5% a year. SBI ESG Exclusionary Strategy Fund charges 1.47% a year and Tata Housing Opportunities Fund 1.06% (Direct plans). Their portfolios overlap 34.3%: they hold 10 of the same securities.
SBI ESG Exclusionary Strategy Fund
Thematic
- 3 year return
- 9.0%
- Expense ratio
- 1.47%
- NAV
- ₹251.86
Tata Housing Opportunities Fund
Thematic
- 3 year return
- 6.5%
- Expense ratio
- 1.06%
- NAV
- ₹14.97
Which is better, SBI ESG Exclusionary Strategy or Tata Housing Opportunities? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI ESG Exclusionary Strategy returned more over 3 years: 9.0% a year against 6.5%.
- SBI ESG Exclusionary Strategy returned more over 1 year: −6.7% against −8.4%.
- Tata Housing Opportunities costs less: 1.06% a year against 1.47% (Direct plans).
- SBI ESG Exclusionary Strategy swung less over 3 years: a standard deviation of 13.2% a year against 15.9%.
- SBI ESG Exclusionary Strategy fell less in its worst fall since 09-09-2022: −16.0% against −24.2%.
- SBI ESG Exclusionary Strategy is the larger fund: ₹4,984 Cr against ₹451 Cr.
- Their portfolios overlap 34.3%: 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 ESG Exclusionary Strategy Fund | Tata Housing Opportunities Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | Tata Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹4,984 Cr (30-09-2026) | ₹451 Cr (30-09-2026) |
| NAV | ₹251.86 (Direct) | ₹14.97 (Direct) |
| Expense ratio (Direct) | 1.47% | 1.06% |
| Expense ratio (Regular) | 2.02% | 2.61% |
| Riskometer | Very High | Very High |
| Benchmark | Nifty 100 ESG TRI | Nifty Housing TRI |
| Launch date | 01-01-1991 | 02-09-2022 |
| Minimum investment | ₹1,000 | ₹5,000 |
| Lock in | None | None |
| Fund managers | Rohit Shimpi | Aditya Bagul, Kapil Malhotra, Hasmukh Vishariya, Murthy Nagarajan |
| Exit load | Exit load of 1% if redeemed within 1 year | Exit load of 1%, if redeemed within 30 days. |
SBI ESG Exclusionary Strategy vs Tata Housing Opportunities: 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 ESG Exclusionary Strategy Fund (Direct) | +0.78% | −5.24% | −0.94% | −6.69% | +8.99% | +6.93% | +11.32% |
| Tata Housing Opportunities Fund (Direct) | −1.69% | −7.20% | −2.57% | −8.38% | +6.50% | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | −1.22% | +13.76% | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
SBI ESG Exclusionary Strategy vs Tata Housing Opportunities: Year-wise Returns
| Year | SBI ESG Exclusionary StrategySBI ESG Exclusionary Strategy | Tata Housing OpportunitiesTata Housing Opportunities |
|---|---|---|
| 2026to date | −6.96% | −5.64% |
| 2025 | +8.06% | −1.97% |
| 2024 | +12.84% | +14.02% |
| 2023 | +25.44% | +41.57% |
| 2022 | −1.68% | -- |
| 2021 | +31.35% | -- |
SBI ESG Exclusionary Strategy vs Tata Housing Opportunities: Rolling Returns
Every holding period of both funds, against NIFTY100 ESG TRI, the benchmark of SBI ESG Exclusionary Strategy Fund
Rolling returns
Every 3-year holding period, 284 of them, one for each trading day from 09-09-2025 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 ESG Exclusionary Strategy Fund (Direct)
Tata Housing Opportunities Fund (Direct)
NIFTY100 ESG TRI
to
Oct 2025Dec 2022
to
Dec 2025Mar 2023
to
Mar 2026May 2023
to
May 2026Jul 2023
to
Jul 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 ESG Exclusionary Strategy | 0.0 | 0.0 | 13.4 | 72.5 | 14.1 | 0.0 | 0.0 | 12.5% | 13.1% | 6.9% | 16.3% | 9% |
| Tata Housing Opportunities | 0.0 | 0.0 | 21.1 | 37.1 | 41.8 | 0.0 | 0.0 | 13.0% | 13.2% | 5.6% | 18.5% | 33% |
| NIFTY100 ESG TRI | 0.0 | 0.0 | 8.5 | 62.0 | 29.6 | 0.0 | 0.0 | 13.7% | 14.3% | 8.1% | 17.6% | -- |
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 NIFTY100 ESG 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 09-09-2022. Past returns do not promise future returns.
SBI ESG Exclusionary Strategy vs Tata Housing Opportunities: 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 01-09-2022 to 30-10-2026: 50 instalments, ₹5,00,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI ESG Exclusionary StrategySBI ESG Exclusionary Strategy Fund (Direct) | ₹5,00,000 | ₹5,59,066 | ₹59,066 | 5.3% |
| Tata Housing OpportunitiesTata Housing Opportunities Fund (Direct) | ₹5,00,000 | ₹5,47,972 | ₹47,972 | 4.4% |
SBI ESG Exclusionary StrategySBI ESG Exclusionary Strategy Fund (Direct)
Tata Housing OpportunitiesTata Housing Opportunities 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 ESG Exclusionary Strategy vs Tata Housing Opportunities: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI ESG Exclusionary Strategy Fund (Direct) | Tata Housing Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | −6.69% | −8.38% |
| Standard deviation | 14.63% | 16.36% |
| Sharpe ratio | -0.82 | -0.83 |
| Sortino ratio | -1.10 | -1.11 |
| Maximum drawdown | −15.5% (31-03-2026) | −17.6% (31-03-2026) |
| Beta | 0.99 | 0.93 |
| Alpha | −1.05% | −2.20% |
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 ESG Exclusionary Strategy Fund (Direct) | Tata Housing Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.99% | +6.50% |
| Standard deviation | 13.24% | 15.86% |
| Sharpe ratio | 0.22 | 0.03 |
| Sortino ratio | 0.31 | 0.04 |
| Maximum drawdown | −16.0% (07-04-2025) | −24.2% (28-02-2025) |
| Beta | 0.92 | 0.86 |
| Alpha | −1.20% | −2.93% |
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 ESG Exclusionary Strategy Fund (Direct) | Tata Housing Opportunities Fund (Direct) |
|---|---|---|
| Return (CAGR) | +12.66% | +10.06% |
| Standard deviation | 15.48% | 14.37% |
| Sharpe ratio | 0.43 | 0.27 |
| Sortino ratio | 0.59 | 0.36 |
| Maximum drawdown | −36.7% (23-03-2020) | −24.2% (28-02-2025) |
| Beta | -- | 0.82 |
| Alpha | -- | +2.23% |
From daily NAVs, 02-01-2013 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 ESG Exclusionary Strategy Fund (Direct)
Tata Housing Opportunities Fund (Direct)
NIFTY100 ESG TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI ESG Exclusionary Strategy Fund (Direct) | −16.0% | 26-09-2024 | 07-04-2025 | 05-12-2025 | 8 months | −8.1% |
| Tata Housing Opportunities Fund (Direct) | −24.2% | 23-09-2024 | 28-02-2025 | Not yet | -- | −15.5% |
| NIFTY100 ESG TRI | −17.5% | 27-09-2024 | 04-03-2025 | 20-11-2025 | 9 months | −8.8% |
From daily values since 09-09-2022, 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 ESG Exclusionary Strategy Fund (Direct)
Tata Housing Opportunities Fund (Direct)
NIFTY100 ESG 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 ESG Exclusionary Strategy Fund (Direct)
Tata Housing Opportunities Fund (Direct)
NIFTY100 ESG TRI
Against NIFTY100 ESG TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI ESG Exclusionary Strategy Fund (Direct) | 91% | 85% | 3.88% |
| Tata Housing Opportunities Fund (Direct) | 99% | 89% | 8.79% |
From month-end values since 09-09-2022. 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 ESG Exclusionary Strategy vs Tata Housing Opportunities: Portfolio Overlap
From each fund's latest monthly portfolio: SBI ESG Exclusionary Strategy Fund, September 2026; Tata Housing Opportunities Fund, September 2026
Holdings in common
- Overlap
- 34.3%
- Held by both
- 10
- Only in SBI ESG Exclusionary Strategy
- 35
- Only in Tata Housing Opportunities
- 20
| Security | % of SBI ESG Exclusionary Strategy | % of Tata Housing Opportunities |
|---|---|---|
| HDFC Bank Ltd. | 7.66% | 9.38% |
| ICICI Bank Ltd. | 8.50% | 7.04% |
| Larsen & Toubro Ltd. | 4.19% | 5.57% |
| JSW Steel Ltd. | 3.09% | 4.86% |
| Asian Paints Ltd. | 2.89% | 3.15% |
| Ultratech Cement Ltd. | 2.79% | 8.45% |
| Kotak Mahindra Bank Ltd. | 4.32% | 2.64% |
| State Bank of India | 3.85% | 1.92% |
| Godrej Properties Ltd. | 1.13% | 1.52% |
| Voltas Ltd. | 0.90% | 2.73% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 34.3% means 34.3% 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 ESG Exclusionary Strategy Fund
| Security | % of fund |
|---|---|
| Bajaj Finance Ltd. | 4.04% |
| Maruti Suzuki India Ltd. | 3.70% |
| Tech Mahindra Ltd. | 3.23% |
| TVS Motor Company Ltd. | 3.20% |
| Divi's Laboratories Ltd. | 2.42% |
Largest holdings only in Tata Housing Opportunities Fund
| Security | % of fund |
|---|---|
| NTPC LTD | 5.44% |
| PRESTIGE ESTATES PROJECTS LTD | 5.09% |
| VENUS PIPES & TUBES LTD | 4.70% |
| PETRONET LNG LTD | 3.79% |
| AMBUJA CEMENTS LTD | 3.37% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI ESG Exclusionary Strategy | Tata Housing Opportunities |
|---|---|---|
| Equity | 98.8% | 95.8% |
| Debt | 0.1% | 0.0% |
| Cash and others | 1.1% | 4.2% |
Market cap of stocks
| Market cap | SBI ESG Exclusionary Strategy | Tata Housing Opportunities |
|---|---|---|
| Large Cap | 65.7% | 56.8% |
| Mid Cap | 20.3% | 16.1% |
| Small Cap | 12.8% | 22.9% |
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 ESG Exclusionary Strategy | Tata Housing Opportunities |
|---|---|---|
| Banks | 24.3% | 22.8% |
| Consumer Durables | 4.8% | 15.1% |
| Cement & Cement Products | 4.6% | 12.8% |
| Realty | 3.7% | 9.4% |
| Automobiles | 9.0% | 0.0% |
| Ferrous Metals | 3.1% | 7.8% |
| Power | 0.0% | 7.5% |
| IT - Software | 6.5% | 0.0% |
| Electrical Equipment | 5.4% | 2.4% |
| Pharmaceuticals & Biotechnology | 4.7% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
SBI ESG Exclusionary Strategy vs Tata Housing Opportunities: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI ESG Exclusionary Strategy Fund | Tata Housing Opportunities Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.47% | 1.06% |
| Base expense ratio (Direct) | 1.13% | 0.75% |
| Total expense ratio (Regular) | 2.02% | 2.61% |
| Base expense ratio (Regular) | 1.60% | 2.09% |
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 ESG Exclusionary Strategy with
Compare Tata Housing Opportunities with
SBI ESG Exclusionary Strategy Fund vs Tata Housing Opportunities Fund: Frequently Asked Questions
What is the difference between SBI ESG Exclusionary Strategy Fund and Tata Housing Opportunities Fund?
SBI ESG Exclusionary Strategy Fund is a Thematic fund, Tata Housing Opportunities Fund is a Thematic fund, run by SBI Mutual Fund and Tata Mutual Fund. Their portfolios overlap 34.3%. SBI ESG Exclusionary Strategy Fund charges 1.47% a year and Tata Housing Opportunities Fund 1.06%.
Which has given higher returns, SBI ESG Exclusionary Strategy Fund or Tata Housing Opportunities Fund?
Over 1 year: SBI ESG Exclusionary Strategy Fund −6.69%, Tata Housing Opportunities Fund −8.38%. Over 3 years: SBI ESG Exclusionary Strategy Fund +8.99% a year, Tata Housing Opportunities Fund +6.50% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI ESG Exclusionary Strategy Fund or Tata Housing Opportunities Fund?
Tata Housing Opportunities Fund charges less: 1.06% a year against 1.47%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI ESG Exclusionary Strategy Fund and Tata Housing Opportunities Fund overlap?
34.3%. They hold 10 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, LT. From each fund's latest monthly portfolio.
Which is riskier, SBI ESG Exclusionary Strategy Fund or Tata Housing Opportunities Fund?
On SEBI's riskometer, SBI ESG Exclusionary Strategy Fund is rated Very High and Tata Housing Opportunities Fund Very High. Over 3 years, the standard deviation of daily returns was 13.24% and 15.86% a year.
Which is better for SIP, SBI ESG Exclusionary Strategy Fund or Tata Housing Opportunities Fund?
Over the last 3 years, a monthly SIP of ₹10,000 from 03-10-2023 to 30-10-2026 grew to ₹3,78,198 in SBI ESG Exclusionary Strategy Fund (XIRR 1.4% a year) and ₹3,63,958 in Tata Housing Opportunities Fund (XIRR -1.0% a year). Both received 37 instalments. Past returns do not promise future returns.
Can I invest in both SBI ESG Exclusionary Strategy Fund and Tata Housing Opportunities Fund?
Yes. 34.3% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages SBI ESG Exclusionary Strategy Fund and Tata Housing Opportunities Fund?
SBI ESG Exclusionary Strategy Fund: Rohit Shimpi. Tata Housing Opportunities Fund: Aditya Bagul, Kapil Malhotra, Hasmukh Vishariya, Murthy Nagarajan.
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.