SBI Consumption Opportunities Fund is a Thematic fund run by SBI Mutual Fund. On 30-09-2026, it managed ₹2,642 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 3.8% a year and its Regular plan returned 2.7% a year. Its benchmark, Nifty India Consumption TRI, returned 11.0% a year over the same 3 years.
NAV (Direct plan)
₹299.44
▼ 0.64% · 30-10-2026
NAV (Regular plan)
₹259.02
▼ 0.65% · 30-10-2026
Expense ratio
1.17%Direct2.17%Regular
1.17%
A year
Riskometer
Very High
Set by the fund house
3 year return
3.8%Direct2.7%Regular
3.8%
A year
SBI Consumption Opportunities Fund NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹299.44 (down 0.64% that day); Regular Plan Growth ₹259.02 (down 0.65% that day).
This fund (Direct plan)
₹299.4417
SBI Consumption Opportunities Fund Returns vs Nifty India Consumption TRI
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−3.58%
−11.30%
−9.89%
−16.80%
+3.80%
+9.36%
+12.93%
This fund (Regular)
−3.66%
−11.52%
−10.34%
−17.65%
+2.71%
+8.20%
+11.73%
Nifty India Consumption TRI
+0.16%
−8.10%
−2.24%
−10.58%
+11.02%
+10.59%
+12.37%
Thematic average
−2.09%
−4.52%
+0.86%
−1.22%
+13.76%
+11.62%
+13.76%
Best in Thematic
+11.54%
+11.27%
+22.16%
+75.71%
+54.78%
+21.14%
+19.31%
Worst in Thematic
−16.05%
−11.74%
−13.97%
−22.44%
−4.46%
+3.65%
+7.72%
Rank in Thematic
167/235
229/232
223/232
213/215
131/133
66/96
39/63
Category rows compare the Direct plans of 235 Thematic funds. Rank 1 is the highest return.
SBI Consumption Opportunities Fund Year-wise Returns
Return of each calendar year
Year
Direct
Regular
Nifty India Consumption TRI
2026to date
−14.65%
−15.37%
−9.10%
2025
−5.31%
−6.30%
+9.22%
2024
+24.17%
+22.82%
+19.77%
2023
+31.34%
+29.92%
+27.96%
2022
+15.06%
+13.86%
+8.53%
2021
+37.03%
+35.57%
+20.82%
SBI Consumption Opportunities Fund Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 2,671 periods, one for each trading day from 08-01-2016 to 30-10-2026.
−10%0%10%20%30%40%
SBI Consumption Opportunities Fund (Direct)
Nifty India Consumption TRI
Nov 2013 to Nov 2016Sept 2015 to Sept 2018Jul 2017 to Jul 2020May 2019 to May 2022Mar 2021 to Mar 2024Dec 2022 to Dec 2025
SBI Consumption Opportunities Fund (Direct)Nifty India Consumption TRI
3%
0%
Below 0%
6%
5%
0-5%
9%
13%
5-10%
17%
32%
10-15%
38%
37%
15-20%
13%
13%
20-25%
15%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
3,159
16.0%
−31.0%
79.8%
22%
13.0%
55%
2 years
2,917
18.4%
−16.6%
54.3%
10%
16.1%
62%
3 years
2,671
17.4%
−3.3%
38.5%
3%
15.0%
69%
5 years
2,178
16.3%
3.4%
31.4%
0%
14.0%
90%
7 years
1,689
15.9%
7.3%
21.4%
0%
13.5%
90%
10 years
945
16.7%
12.7%
19.5%
0%
14.3%
100%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
154
16.2%
−45.4%
75.7%
22%
14.9%
50%
2 years
142
18.5%
−27.4%
46.6%
14%
14.8%
63%
3 years
130
17.4%
−17.1%
35.1%
9%
15.7%
73%
5 years
106
18.6%
−3.9%
33.1%
3%
13.9%
79%
7 years
82
18.0%
2.1%
26.3%
0%
14.3%
85%
10 years
46
17.7%
12.1%
22.4%
0%
14.9%
100%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than Nifty India Consumption TRI over the same days. Past returns do not promise future returns.
SBI Consumption Opportunities Fund Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
SBI Consumption Opportunities Fund (Direct)This fund
Nifty India Consumption TRI
Return (CAGR)
−16.80%
−10.58%
Standard deviation
14.23%
15.06%
Sharpe ratio
-1.55
-1.05
Sortino ratio
-2.00
-1.38
Maximum drawdown
−18.8%
(23-10-2026)
−17.3%
(30-03-2026)
Beta
0.88
1.00
Alpha
−8.08%
0.00%
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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
SBI Consumption Opportunities Fund (Direct)This fund
Nifty India Consumption TRI
Return (CAGR)
+3.80%
+11.02%
Standard deviation
13.16%
13.92%
Sharpe ratio
-0.17
0.36
Sortino ratio
-0.23
0.51
Maximum drawdown
−27.4%
(23-10-2026)
−21.9%
(04-03-2025)
Beta
0.84
1.00
Alpha
−6.44%
0.00%
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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
SBI Consumption Opportunities Fund (Direct)This fund
Nifty India Consumption TRI
Return (CAGR)
+9.36%
+10.59%
Standard deviation
13.06%
13.94%
Sharpe ratio
0.27
0.34
Sortino ratio
0.37
0.48
Maximum drawdown
−27.4%
(23-10-2026)
−21.9%
(04-03-2025)
Beta
0.82
1.00
Alpha
−0.35%
0.00%
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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
SBI Consumption Opportunities Fund (Direct)This fund
Nifty India Consumption TRI
Return (CAGR)
+12.93%
+12.37%
Standard deviation
14.52%
15.40%
Sharpe ratio
0.52
0.45
Sortino ratio
0.70
0.63
Maximum drawdown
−35.4%
(24-03-2020)
−31.2%
(23-03-2020)
Beta
0.79
1.00
Alpha
+2.03%
0.00%
From daily NAVs, 28-10-2016 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
SBI Consumption Opportunities Fund (Direct)This fund
Nifty India Consumption TRI
Return (CAGR)
+13.85%
+13.01%
Standard deviation
14.66%
15.14%
Sharpe ratio
0.53
0.46
Sortino ratio
0.72
0.64
Maximum drawdown
−35.4%
(24-03-2020)
−31.2%
(23-03-2020)
Beta
0.78
1.00
Alpha
+2.34%
0.00%
From daily NAVs, 08-01-2013 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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
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.
−40%−30%−20%−10%0%
SBI Consumption Opportunities Fund (Direct)
Nifty India Consumption TRI
2014201620182020202220242026
SBI Consumption Opportunities Fund (Direct)Nifty India Consumption TRI
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
SBI Consumption Opportunities Fund (Direct)
−35.4%
31-08-2018
24-03-2020
07-12-2020
8 months
−25.6%
Nifty India Consumption TRI
−31.2%
28-08-2018
23-03-2020
12-11-2020
8 months
−13.4%
From the Direct plan's daily NAV since 08-01-2013, adjusted for unit splits, and Nifty India Consumption TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
SBI Consumption Opportunities Fund vs Other Thematic Funds
The five Thematic funds with the best three year return, and this fund. Direct plans.
AUM is each fund's size at the end of its last reported month, from its own portfolio file. We calculate the risk ratios from daily NAVs over the last three years. The risk-free return is what NSE's overnight rate index earned over the same years. Alpha and beta compare each fund with its own benchmark's TRI. "--" means we have no figure: for alpha and beta, no daily series for that benchmark.
SBI Consumption Opportunities Fund Expense Ratio and Costs
What each plan charges a year, in force from 22-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Thematic median
Cost rank (1 = cheapest)
Direct
0.84%
0.04%
0.00%
0.29%
1.17%
1.18%
116/235
Regular
1.71%
0.04%
0.00%
0.42%
2.17%
2.41%
63/235
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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file. Cost rank: where this plan comes when the Thematic funds' plans of the same type are sorted from the lowest total expense ratio to the highest.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
−17.65%
−16.80%
0.85%
₹82,350
₹83,200
3 years
2.71%
3.80%
1.09% a year
₹1,08,352
₹1,11,839
5 years
8.20%
9.36%
1.16% a year
₹1,48,298
₹1,56,420
10 years
11.73%
12.93%
1.20% a year
₹3,03,178
₹3,37,360
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
SBI Consumption Opportunities Fund SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 08-01-2013 to 30-10-2026: 166 instalments, ₹16,60,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planSBI Consumption Opportunities Fund (Direct)
₹16,60,000
₹42,86,509
₹26,26,509
12.8%
Regular planSBI Consumption Opportunities Fund (Regular)
Direct planSBI Consumption Opportunities Fund (Direct)Regular planSBI Consumption Opportunities Fund (Regular)Nifty India Consumption TRICategory averageCategory average, 235 Thematic fundsAmount invested
From each plan's published NAV (Growth option), the benchmark's TRI and the category average, 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 Consumption Opportunities Fund Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
95.9%Equity
Asset
Fund
Category
Equity
95.9%
94.5%
Cash and others
4.0%
4.0%
Debt
0.1%
1.5%
Market cap of stocks
Market cap
Fund
Category
Large Cap
45.6%
45.7%
Mid Cap
20.2%
19.6%
Small Cap
27.7%
24.1%
Not on AMFI's list
2.4%
2.3%
Share of the whole fund. Category: the average of the Thematic funds that hold stocks. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
SBI Consumption Opportunities Fund Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Consumer Durables22.8%
Retailing15.7%
Automobiles12.9%
Leisure Services9.3%
Beverages7.7%
Textiles & Apparels6.8%
Household Products5.0%
Food Products4.4%
Personal Products3.2%
Telecom - Services3.2%
The ten largest of 13 sectors. The other 3 add up to 5.1%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Consumer Durables
22.8%
23.4%
22.8%
0.0%
Retailing
13.2%
14.7%
15.7%
+2.5%
Automobiles
15.5%
15.6%
12.9%
−2.6%
Leisure Services
8.4%
9.0%
9.3%
+1.0%
Beverages
7.7%
7.3%
7.7%
0.0%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
SBI Consumption Opportunities Fund Portfolio Holdings
As on 30-09-2026 · 50 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
Eternal Ltd.
Retailing
5.75%
+11.8%
Asian Paints Ltd.
Consumer Durables
4.78%
0.0%
Jubilant Foodworks Ltd.
Leisure Services
4.57%
0.0%
Mahindra & Mahindra Ltd.
Automobiles
3.91%
−22.2%
Varun Beverages Ltd.
Beverages
3.82%
0.0%
Berger Paints India Ltd.
Consumer Durables
3.60%
0.0%
Page Industries Ltd.
Textiles & Apparels
3.56%
0.0%
Titan Company Ltd.
Consumer Durables
3.47%
0.0%
United Breweries Ltd.
Beverages
3.42%
0.0%
Britannia Industries Ltd.
Food Products
3.36%
0.0%
Colgate Palmolive (India) Ltd.
Personal Products
3.17%
0.0%
Bharti Airtel Ltd.
Telecom - Services
3.16%
0.0%
Hindustan Unilever Ltd.
Diversified FMCG
3.02%
0.0%
Eicher Motors Ltd.
Automobiles
2.98%
0.0%
Maruti Suzuki India Ltd.
Automobiles
2.94%
0.0%
TVS Motor Company Ltd.
Automobiles
2.72%
0.0%
Doms Industries Ltd.
Household Products
2.54%
0.0%
EIH Ltd.
Leisure Services
2.41%
0.0%
Ganesha Ecosphere Ltd.
Textiles & Apparels
2.08%
0.0%
Voltas Ltd.
Consumer Durables
2.03%
0.0%
Swiggy Ltd.
Retailing
1.89%
0.0%
Avenue Supermarts Ltd.
Retailing
1.87%
0.0%
Hawkins Cookers Ltd.
Consumer Durables
1.86%
0.0%
Trent Ltd.
Retailing
1.49%
−16.7%
Flair Writing Industries Ltd.
Household Products
1.35%
0.0%
Urban Company Ltd.
Retailing
1.31%
0.0%
Whirlpool of India Ltd.
Consumer Durables
1.30%
0.0%
Tata Motors Ltd.
Agricultural, Commercial & Construction Vehicles
1.28%
−20.0%
Westlife Foodworld Ltd.
Leisure Services
1.25%
0.0%
Havells India Ltd.
Consumer Durables
1.25%
0.0%
SS Retail Ltd.
Retailing
1.24%
New
Brainbees Solutions Ltd.
Retailing
1.16%
0.0%
Kusumgar Ltd.
Textiles & Apparels
1.14%
0.0%
Nestle India Ltd.
Food Products
1.07%
0.0%
Bosch Home Comfort India Ltd.
Consumer Durables
1.07%
0.0%
Jyothy Labs Ltd.
Household Products
1.06%
0.0%
Kansai Nerolac Paints Ltd.
Consumer Durables
1.00%
0.0%
Lemon Tree Hotels Ltd.
Leisure Services
0.99%
0.0%
Vishal Mega Mart Ltd.
Retailing
0.96%
0.0%
V-Guard Industries Ltd.
Consumer Durables
0.91%
0.0%
Tenneco Clean Air India Ltd.
Auto Components
0.81%
0.0%
Sheela Foam Ltd.
Consumer Durables
0.72%
0.0%
Sula Vineyards Ltd.
Beverages
0.41%
0.0%
Campus Activewear Ltd.
Consumer Durables
0.36%
−43.8%
Hero MotoCorp Ltd.
Automobiles
0.34%
−77.1%
Relaxo Footwears Ltd.
Consumer Durables
0.32%
0.0%
Brigade Hotel Ventures Ltd.
Leisure Services
0.13%
−38.2%
364 DAY T-BILL 19.11.26 · Treasury bill
Sovereign
0.11%
TTK Prestige Ltd.
Consumer Durables
0.09%
0.0%
Manpasand Beverages Ltd.
Beverages
0.00%
0.0%
SBI Consumption Opportunities Fund Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
Eternal Ltd.
↑Added
+11.8%
5.75%
Mahindra & Mahindra Ltd.
↓Reduced
−22.2%
3.91%
Trent Ltd.
↓Reduced
−16.7%
1.49%
Tata Motors Ltd.
↓Reduced
−20.0%
1.28%
Godrej Consumer Products Ltd.
↓Sold out
−100%
was 1.55%
Hero MotoCorp Ltd.
↓Reduced
−77.1%
0.34%
SS Retail Ltd.
↑New
New
1.24%
Meesho Ltd.
↓Sold out
−100%
was 0.73%
Campus Activewear Ltd.
↓Reduced
−43.8%
0.36%
Brigade Hotel Ventures Ltd.
↓Reduced
−38.2%
0.13%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
SBI Consumption Opportunities Fund Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
1.17%
Expense ratio (Regular)
2.17%
Category
Thematic
Risk
Very High
Benchmark
Nifty India Consumption TRI
Launch date
05-07-1999
Minimum investment
₹5,000
Minimum additional investment
₹1,000
AUM
₹2,641.51 Cr (30-09-2026)
Lock in
None
Scheme code (Direct)
120575
ISIN (Direct)
INF200K01RM5
Scheme code (Regular)
120576
ISIN (Regular)
INF200K01VR6
NAV history
From 08-01-2013, 13.8 years
Exit load
Exit load of 0.10% if redeemed within 30 days.
Tax on SBI Consumption Opportunities Fund returns
SBI Consumption Opportunities Fund is taxed as an equity fund: 65% or more of it is in Indian stocks.
Units sold within 1 year: the gain is taxed at 20%.
Units held longer: gains above ₹1.25 lakh in a financial year, across all your equity funds and shares, are taxed at 12.5%.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹299.4417
30-10-2026
direct
IDCW
₹210.8039
30-10-2026
regular
Growth
₹259.0162
30-10-2026
regular
IDCW
₹155.9456
30-10-2026
About SBI Consumption Opportunities Fund
SBI Consumption Opportunities Fund is a mutual fund from SBI Mutual Fund. Its category is Thematic. It was launched on 05-07-1999. Its benchmark is Nifty India Consumption TRI. At the end of September 2026 it held 50 securities.
Fund Manager
Ashit Desai
Fund manager of SBI Consumption Opportunities Fund, since 02-04-2024
Frequently Asked Questions for SBI Consumption Opportunities Fund
What is the current NAV of SBI Consumption Opportunities Fund?
The Direct plan NAV is ₹299.4417. The Regular plan NAV is ₹259.0162, as on 30-10-2026.
What are the returns of SBI Consumption Opportunities Fund?
The Direct plan returned −16.80% in 1 year, +3.80% a year over 3 years, +9.36% a year over 5 years. The Regular plan returned −17.65% in 1 year, +2.71% a year over 3 years, +8.20% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of SBI Consumption Opportunities Fund?
The Direct plan charges 1.17% a year. The Regular plan charges 2.17% a year. This is the figure the fund house reported to AMFI, in force from 22-10-2026.
What is the AUM of SBI Consumption Opportunities Fund?
SBI Consumption Opportunities Fund managed ₹2,641.51 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of SBI Consumption Opportunities Fund?
At the end of September 2026 the largest holdings were ETERNAL (5.75%), ASIANPAINT (4.78%), JUBLFOOD (4.57%), M&M (3.91%), VBL (3.82%). The fund held 50 securities in all.
What did SBI Consumption Opportunities Fund buy and sell in September 2026?
It bought 1 new stock: SS Retail Ltd. It sold out of 2: Meesho Ltd, Godrej Consumer Products Ltd. It added shares in 1. It reduced 6.
How do I invest in SBI Consumption Opportunities Fund?
Through SBI Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.
Who is the fund manager of SBI Consumption Opportunities Fund?
Ashit Desai (since 02-04-2024).
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
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.
Track SBI Consumption Opportunities Fund in WealthGamma
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