SBI Healthcare Opportunities Fund vs Union Consumption Fund
Direct Plan, Growth option · Data as on 30-10-2026
SBI Healthcare Opportunities Fund is a Thematic fund and Union Consumption Fund is a Thematic fund. SBI Healthcare Opportunities Fund charges 1.01% a year and Union Consumption Fund 1.37% (Direct plans). Their portfolios overlap 2.4%: they hold 2 of the same securities.
SBI Healthcare Opportunities Fund
Thematic
- Expense ratio
- 1.01%
- NAV
- ₹588.16
Which is better, SBI Healthcare Opportunities or Union Consumption? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Healthcare Opportunities costs less: 1.01% a year against 1.37% (Direct plans).
- SBI Healthcare Opportunities fell less in its worst fall since 26-12-2025: −10.3% against −16.8%.
- Union Consumption holds more in large companies: 50.1% of the fund in large caps against 32.3%.
- SBI Healthcare Opportunities is the larger fund: ₹5,870 Cr against ₹314 Cr.
- Their portfolios overlap 2.4%: 2 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 Healthcare Opportunities Fund | Union Consumption Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | Union Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹5,870 Cr (30-09-2026) | ₹314 Cr (30-09-2026) |
| NAV | ₹588.16 (Direct) | ₹9.56 (Direct) |
| Expense ratio (Direct) | 1.01% | 1.37% |
| Expense ratio (Regular) | 1.99% | 2.69% |
| Riskometer | Not available | Very High |
| Benchmark | Not available | Nifty India Consumption TRI |
| Launch date | Not available | 22-12-2025 |
| Minimum investment | Not available | ₹1,000 |
| Lock in | Not available | None |
| Fund managers | Not available | Vinod Malviya, Sanjay Bembalkar |
| Exit load | Not available | Exit load of 1%, if redeemed within 1 Year. |
SBI Healthcare Opportunities vs Union Consumption: 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 Healthcare Opportunities Fund (Direct) | +0.31% | −0.59% | +16.00% | +17.12% | +24.60% | +19.22% | +14.72% |
| Union Consumption Fund (Direct) | +0.42% | −2.65% | +4.14% | -- | -- | -- | -- |
| Thematic average | −2.09% | −4.52% | +0.86% | -- | -- | -- | -- |
Category average: the average of the 235 Thematic funds, same plan type.
SBI Healthcare Opportunities vs Union Consumption: Year-wise Returns
| Year | SBI Healthcare OpportunitiesSBI Healthcare Opportunities | Union ConsumptionUnion Consumption |
|---|---|---|
| 2026to date | +21.31% | −4.69% |
| 2025 | −2.50% | -- |
| 2024 | +43.75% | -- |
| 2023 | +39.72% | -- |
| 2022 | −5.01% | -- |
| 2021 | +21.48% | -- |
SBI Healthcare Opportunities vs Union Consumption: Rolling Returns
Every holding period of both funds, against BSE Healthcare TRI, the benchmark of SBI Healthcare Opportunities Fund
SBI Healthcare Opportunities vs Union Consumption: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Healthcare Opportunities Fund (Direct) | Union Consumption Fund (Direct) |
|---|---|---|
| Return (CAGR) | +17.93% | −5.20% |
| Standard deviation | 15.96% | 15.32% |
| Sharpe ratio | 0.74 | -0.68 |
| Sortino ratio | 1.05 | -0.91 |
| Maximum drawdown | −30.5% (23-03-2020) | −16.8% (30-03-2026) |
| Beta | 0.91 | 0.91 |
| Alpha | +3.97% | +3.54% |
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 Healthcare Opportunities Fund (Direct)
Union Consumption Fund (Direct)
BSE Healthcare TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Healthcare Opportunities Fund (Direct) | −10.3% | 21-09-2026 | 23-10-2026 | Not yet | -- | −3.8% |
| Union Consumption Fund (Direct) | −16.8% | 05-01-2026 | 30-03-2026 | 14-08-2026 | 5 months | −5.6% |
| BSE Healthcare TRI | −9.9% | 23-09-2026 | 23-10-2026 | Not yet | -- | −3.8% |
From daily values since 26-12-2025, the first day every fund has.
SBI Healthcare Opportunities vs Union Consumption: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Healthcare Opportunities Fund, September 2026; Union Consumption Fund, September 2026
Holdings in common
- Overlap
- 2.4%
- Held by both
- 2
- Only in SBI Healthcare Opportunities
- 34
- Only in Union Consumption
- 46
| Security | % of SBI Healthcare Opportunities | % of Union Consumption |
|---|---|---|
| Dr. Lal Path labs Ltd. | 1.62% | 2.15% |
| Corona Remedies Ltd. | 2.43% | 0.75% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 2.4% means 2.4% 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 Healthcare Opportunities Fund
| Security | % of fund |
|---|---|
| Sun Pharmaceutical Industries Ltd. | 11.14% |
| Divi's Laboratories Ltd. | 7.91% |
| Acutaas Chemicals Ltd. | 5.03% |
| Apollo Hospitals Enterprise Ltd. | 4.45% |
| Torrent Pharmaceuticals Ltd. | 4.42% |
Largest holdings only in Union Consumption Fund
| Security | % of fund |
|---|---|
| Eternal Ltd. | 7.22% |
| Bharti Airtel Ltd. | 7.05% |
| Mahindra & Mahindra Ltd. | 5.27% |
| Maruti Suzuki India Ltd. | 4.78% |
| Varun Beverages Ltd. | 3.79% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Healthcare Opportunities | Union Consumption |
|---|---|---|
| Equity | 95.5% | 98.7% |
| Debt | 0.1% | 0.1% |
| Cash and others | 4.4% | 1.2% |
Market cap of stocks
| Market cap | SBI Healthcare Opportunities | Union Consumption |
|---|---|---|
| Large Cap | 32.3% | 50.1% |
| Mid Cap | 25.7% | 25.4% |
| Small Cap | 35.4% | 20.4% |
| Not on AMFI's list | 2.2% | 2.8% |
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 Healthcare Opportunities | Union Consumption |
|---|---|---|
| Pharmaceuticals & Biotechnology | 63.1% | 0.8% |
| Healthcare Services | 25.6% | 2.1% |
| Retailing | 0.0% | 19.9% |
| Automobiles | 0.0% | 15.2% |
| Consumer Durables | 0.0% | 13.0% |
| Beverages | 0.0% | 7.1% |
| Telecom - Services | 0.0% | 7.0% |
| Chemicals & Petrochemicals | 5.0% | 2.0% |
| Agricultural Food & other Products | 0.0% | 4.8% |
| Healthcare Equipment & Supplies | 1.8% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Healthcare Opportunities vs Union Consumption: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Healthcare Opportunities Fund | Union Consumption Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.01% | 1.37% |
| Base expense ratio (Direct) | 0.74% | 0.94% |
| Total expense ratio (Regular) | 1.99% | 2.69% |
| Base expense ratio (Regular) | 1.58% | 2.10% |
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 Healthcare Opportunities with
SBI Healthcare Opportunities Fund vs Union Consumption Fund: Frequently Asked Questions
What is the difference between SBI Healthcare Opportunities Fund and Union Consumption Fund?
SBI Healthcare Opportunities Fund is a Thematic fund, Union Consumption Fund is a Thematic fund, run by SBI Mutual Fund and Union Mutual Fund. Their portfolios overlap 2.4%. SBI Healthcare Opportunities Fund charges 1.01% a year and Union Consumption Fund 1.37%.
Which has the lower expense ratio, SBI Healthcare Opportunities Fund or Union Consumption Fund?
SBI Healthcare Opportunities Fund charges less: 1.01% a year against 1.37%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Healthcare Opportunities Fund and Union Consumption Fund overlap?
2.4%. They hold 2 of the same securities, the largest shared ones being LALPATHLAB, CORONA. From each fund's latest monthly portfolio.
Can I invest in both SBI Healthcare Opportunities Fund and Union Consumption Fund?
Yes. 2.4% of each fund's money sits in the same holdings, so the two hold mostly different investments.
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.