SBI Technology Opportunities Fund vs Tata Digital India Fund
Direct Plan, Growth option · Data as on 29-10-2026
SBI Technology Opportunities Fund is a Thematic fund and Tata Digital India Fund is a Thematic fund. In the 3 years to 30-10-2026, SBI Technology Opportunities Fund (Direct) returned 11.1% a year and Tata Digital India Fund (Direct) returned 6.9% a year. SBI Technology Opportunities Fund charges 1.02% a year and Tata Digital India Fund 0.67% (Direct plans). Their portfolios overlap 47.0%: they hold 17 of the same securities.
SBI Technology Opportunities Fund
Thematic
- 3 year return
- 11.1%
- Expense ratio
- 1.02%
- NAV
- ₹234.99
Tata Digital India Fund
Thematic
- 3 year return
- 6.9%
- Expense ratio
- 0.67%
- NAV
- ₹49.21
Which is better, SBI Technology Opportunities or Tata Digital India? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Technology Opportunities returned more over 5 years: 7.3% a year against 3.8%.
- SBI Technology Opportunities returned more over 3 years: 11.1% a year against 6.9%.
- Tata Digital India costs less: 0.67% a year against 1.02% (Direct plans).
- SBI Technology Opportunities swung less over 3 years: a standard deviation of 15.4% a year against 18.2%.
- SBI Technology Opportunities fell less in its worst fall since 29-12-2015: −29.9% against −33.3%.
- SBI Technology Opportunities holds 13.8% of the fund in foreign stocks; Tata Digital India 0.0%.
- Tata Digital India is the larger fund: ₹9,276 Cr against ₹4,155 Cr.
- Their portfolios overlap 47.0%: 17 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 Technology Opportunities Fund | Tata Digital India Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | Tata Mutual Fund |
| Category | Thematic | Thematic |
| AUM | ₹4,155 Cr (30-09-2026) | ₹9,276 Cr (30-09-2026) |
| NAV | ₹234.99 (Direct) | ₹49.21 (Direct) |
| Expense ratio (Direct) | 1.02% | 0.67% |
| Expense ratio (Regular) | 1.98% | 1.75% |
| Riskometer | Not available | Very High |
| Benchmark | Not available | Nifty IT TRI |
| Launch date | Not available | 28-12-2015 |
| Minimum investment | Not available | ₹5,000 |
| Lock in | Not available | None |
| Fund managers | Not available | Meeta Shetty, Hasmukh Vishariya |
| Exit load | Not available | 0.25% of NAV if redeemed /switched out before 30 days from the date of allotment. |
SBI Technology Opportunities vs Tata Digital India: 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 Technology Opportunities Fund (Direct) | +7.07% | +0.78% | +9.69% | −8.45% | +11.11% | +7.31% | +17.70% |
| Tata Digital India Fund (Direct) | +7.99% | −1.60% | +7.01% | −11.13% | +6.90% | +3.78% | +18.14% |
| 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 Technology Opportunities vs Tata Digital India: Year-wise Returns
| Year | SBI Technology OpportunitiesSBI Technology Opportunities | Tata Digital IndiaTata Digital India |
|---|---|---|
| 2026to date | −10.22% | −13.72% |
| 2025 | +2.57% | −8.60% |
| 2024 | +31.47% | +32.37% |
| 2023 | +26.25% | +33.81% |
| 2022 | −14.46% | −22.00% |
| 2021 | +68.47% | +77.28% |
SBI Technology Opportunities vs Tata Digital India: Rolling Returns
Every holding period of both funds, against BSE TECK TRI, the benchmark of SBI Technology Opportunities Fund
Rolling returns
Every 3-year holding period, 1,940 of them, one for each trading day from 31-12-2018 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 Technology Opportunities Fund (Direct)
Tata Digital India Fund (Direct)
BSE TECK 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 Technology Opportunities | 0.0 | 0.1 | 5.5 | 26.2 | 20.0 | 14.4 | 33.9 | 21.1% | 19.4% | 4.4% | 42.4% | 100% |
| Tata Digital India | 0.0 | 1.5 | 9.0 | 13.2 | 25.8 | 10.9 | 39.6 | 22.1% | 20.2% | 2.9% | 46.6% | 100% |
| BSE TECK TRI | 0.0 | 4.2 | 17.2 | 31.9 | 11.6 | 22.5 | 12.6 | 16.1% | 14.3% | 0.7% | 36.2% | -- |
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 BSE TECK 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 Technology Opportunities vs Tata Digital India: 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 29-10-2026: 131 instalments, ₹13,10,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Technology OpportunitiesSBI Technology Opportunities Fund (Direct) | ₹13,10,000 | ₹34,01,070 | ₹20,91,070 | 16.5% |
| Tata Digital IndiaTata Digital India Fund (Direct) | ₹13,10,000 | ₹32,03,311 | ₹18,93,311 | 15.5% |
SBI Technology OpportunitiesSBI Technology Opportunities Fund (Direct)
Tata Digital IndiaTata Digital India 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 Technology Opportunities vs Tata Digital India: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Technology Opportunities Fund (Direct) | Tata Digital India Fund (Direct) |
|---|---|---|
| Return (CAGR) | −8.45% | −11.13% |
| Standard deviation | 16.20% | 18.78% |
| Sharpe ratio | -0.84 | -0.87 |
| Sortino ratio | -1.15 | -1.18 |
| Maximum drawdown | −24.3% (30-03-2026) | −25.5% (31-03-2026) |
| Beta | 0.78 | 0.67 |
| Alpha | −2.32% | −7.77% |
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 Technology Opportunities Fund (Direct) | Tata Digital India Fund (Direct) |
|---|---|---|
| Return (CAGR) | +11.11% | +6.90% |
| Standard deviation | 15.41% | 18.23% |
| Sharpe ratio | 0.33 | 0.05 |
| Sortino ratio | 0.48 | 0.07 |
| Maximum drawdown | −24.3% (30-03-2026) | −33.3% (31-03-2026) |
| Beta | 0.79 | 0.76 |
| Alpha | +4.78% | +2.26% |
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 Technology Opportunities Fund (Direct) | Tata Digital India Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.31% | +3.78% |
| Standard deviation | 16.15% | 18.26% |
| Sharpe ratio | 0.09 | -0.11 |
| Sortino ratio | 0.13 | -0.16 |
| Maximum drawdown | −25.6% (17-06-2022) | −33.3% (31-03-2026) |
| Beta | 0.82 | 0.79 |
| Alpha | +3.70% | +1.83% |
From daily NAVs, 29-10-2021 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 Technology Opportunities Fund (Direct) | Tata Digital India Fund (Direct) |
|---|---|---|
| Return (CAGR) | +18.33% | +15.84% |
| Standard deviation | 17.15% | 18.46% |
| Sharpe ratio | 0.72 | 0.56 |
| Sortino ratio | 1.02 | 0.80 |
| Maximum drawdown | −29.9% (23-03-2020) | −33.3% (31-03-2026) |
| Beta | 0.87 | 0.82 |
| Alpha | +5.70% | +4.50% |
From daily NAVs, 10-01-2013 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 Technology Opportunities Fund (Direct)
Tata Digital India Fund (Direct)
BSE TECK TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Technology Opportunities Fund (Direct) | −29.9% | 17-02-2020 | 23-03-2020 | 16-07-2020 | 4 months | −12.6% |
| Tata Digital India Fund (Direct) | −33.3% | 13-12-2024 | 31-03-2026 | Not yet | -- | −25.1% |
| BSE TECK TRI | −31.1% | 19-02-2020 | 23-03-2020 | 15-07-2020 | 4 months | −19.2% |
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 Technology Opportunities Fund (Direct)
Tata Digital India Fund (Direct)
BSE TECK 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 Technology Opportunities Fund (Direct)
Tata Digital India Fund (Direct)
BSE TECK 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 Technology Opportunities Fund (Direct)
Tata Digital India Fund (Direct)
BSE TECK TRI
Against BSE TECK TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI Technology Opportunities Fund (Direct) | 96% | 75% | 6.39% |
| Tata Digital India Fund (Direct) | 106% | 88% | 6.92% |
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 Technology Opportunities vs Tata Digital India: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Technology Opportunities Fund, September 2026; Tata Digital India Fund, September 2026
Holdings in common
- Overlap
- 47.0%
- Held by both
- 17
- Only in SBI Technology Opportunities
- 5
- Only in Tata Digital India
- 34
| Security | % of SBI Technology Opportunities | % of Tata Digital India |
|---|---|---|
| Infosys Ltd. | 8.37% | 16.30% |
| Tata Consultancy Services Ltd. | 7.01% | 9.75% |
| Eternal Ltd. | 6.93% | 7.62% |
| Bharti Airtel Ltd. | 16.92% | 5.06% |
| Persistent Systems Ltd. | 2.80% | 3.89% |
| Tech Mahindra Ltd. | 2.57% | 8.32% |
| HCL Technologies Ltd. | 2.37% | 3.56% |
| Firstsource Solutions Ltd. | 3.69% | 2.08% |
| Coforge Ltd. | 5.05% | 1.63% |
| LTM Ltd. | 4.00% | 1.57% |
| PB Fintech Ltd. | 1.56% | 2.68% |
| Swiggy Ltd. | 3.61% | 1.35% |
| TBO Tek Ltd. | 1.22% | 1.49% |
| Amagi Media Labs Ltd. | 3.97% | 0.77% |
| Info Edge (India) Ltd. | 2.05% | 0.64% |
| Hexaware Technologies Ltd. | 2.14% | 0.54% |
| L&T Technology Services Ltd. | 1.55% | 0.53% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 47.0% means 47.0% 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 Technology Opportunities Fund
| Security | % of fund |
|---|---|
| BlackBuck Ltd. | 3.22% |
| FSN E-Commerce Ventures Ltd. | 1.54% |
| Indegene Ltd. | 1.27% |
| Capillary Technologies India Ltd. | 1.10% |
| 364 DAY T-BILL 19.11.26 | 0.07% |
Largest holdings only in Tata Digital India Fund
| Security | % of fund |
|---|---|
| CYIENT LTD | 1.96% |
| DIXON TECHNOLOGIES (INDIA) LTD | 1.83% |
| CARTRADE TECH LTD | 1.74% |
| SONATA SOFTWARE LTD | 1.45% |
| MPHASIS LTD | 1.38% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Technology Opportunities | Tata Digital India |
|---|---|---|
| Equity | 96.7% | 95.0% |
| Debt | 0.1% | 0.0% |
| Cash and others | 3.2% | 5.0% |
Market cap of stocks
| Market cap | SBI Technology Opportunities | Tata Digital India |
|---|---|---|
| Large Cap | 48.2% | 57.4% |
| Mid Cap | 18.2% | 17.5% |
| Small Cap | 16.6% | 19.9% |
| Foreign stocks | 13.8% | 0.0% |
| Not on AMFI's list | 0.0% | 0.3% |
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 Technology Opportunities | Tata Digital India |
|---|---|---|
| IT - Software | 43.9% | 53.6% |
| Telecom - Services | 16.9% | 6.0% |
| Retailing | 14.1% | 11.9% |
| IT - Services | 10.8% | 4.9% |
| Financial Technology (Fintech) | 1.6% | 4.4% |
| Commercial Services & Supplies | 3.7% | 3.5% |
| Transport Services | 3.2% | 0.7% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Technology Opportunities vs Tata Digital India: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Technology Opportunities Fund | Tata Digital India Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.02% | 0.67% |
| Base expense ratio (Direct) | 0.80% | 0.49% |
| Total expense ratio (Regular) | 1.98% | 1.75% |
| Base expense ratio (Regular) | 1.62% | 1.49% |
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 Technology Opportunities with
SBI Technology Opportunities Fund vs Tata Digital India Fund: Frequently Asked Questions
What is the difference between SBI Technology Opportunities Fund and Tata Digital India Fund?
SBI Technology Opportunities Fund is a Thematic fund, Tata Digital India Fund is a Thematic fund, run by SBI Mutual Fund and Tata Mutual Fund. Their portfolios overlap 47.0%. SBI Technology Opportunities Fund charges 1.02% a year and Tata Digital India Fund 0.67%.
Which has given higher returns, SBI Technology Opportunities Fund or Tata Digital India Fund?
Over 1 year: SBI Technology Opportunities Fund −8.45%, Tata Digital India Fund −11.13%. Over 3 years: SBI Technology Opportunities Fund +11.11% a year, Tata Digital India Fund +6.90% a year. Over 5 years: SBI Technology Opportunities Fund +7.31% a year, Tata Digital India Fund +3.78% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Technology Opportunities Fund or Tata Digital India Fund?
Tata Digital India Fund charges less: 0.67% a year against 1.02%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Technology Opportunities Fund and Tata Digital India Fund overlap?
47.0%. They hold 17 of the same securities, the largest shared ones being INFY, TCS, ETERNAL. From each fund's latest monthly portfolio.
Which is better for SIP, SBI Technology Opportunities Fund or Tata Digital India Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 29-10-2026 grew to ₹7,46,772 in SBI Technology Opportunities Fund (XIRR 7.9% a year) and ₹6,69,243 in Tata Digital India Fund (XIRR 3.6% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both SBI Technology Opportunities Fund and Tata Digital India Fund?
Yes. 47.0% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
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.