Performance analysis of SBI Mutual Funds in India: A study

This study assesses the performance of selected SBI mutual funds in India over the period 2014-2024 with a focus on risk and return components. The analysis employs secondary data from various sources and examines five SBI mutual funds: SBI Contra Fund, SBI Long Term Equity Fund, SBI Large and Midcap Fund, SBI Multicap Fund, and SBI Infrastructure Fund. The performance evaluation was based on annual returns, SIP returns, risk ratios, portfolio analysis, and NAV trends. The findings indicate that the SBI Long-Term Equity Fund consistently demonstrates strong performance, achieving the highest annual return of 28% in 2024 and the most favorable long-term 10-year annual growth rate of 14%. The SBI Contra Fund shows significant potential for high returns, recording the highest 5-year and 10-year SIP CAGRs of 92% and 199%, respectively, albeit with higher volatility. The SBI Infrastructure Fund presents a high risk-reward profile, with the highest volatility of 13.54% but strong returns in certain years. Most of the analyzed funds received Crisil ratings of four or five out of five, indicating above-average performance overall. Funds generally maintain defensive beta values below one and exhibit varying levels of diversification in their equity portfolios. These findings provide valuable insights for investors and fund managers to make informed decisions based on their financial goals and risk tolerance. However, past performance does not guarantee future results, and investors should carefully consider market conditions when selecting mutual fund investments.