SBI PSU DIRECT PLAN GROWTH
SBI PSU Direct Plan Growth is a thematic equity mutual fund scheme offered by SBI Mutual Fund, focused on investing in Public Sector Undertakings (PSUs) and their subsidiaries. It aims to provide long-term capital appreciation by actively managing investments in a diversified portfolio of PSU stocks and debt instruments. The “Direct Plan” indicates that it’s a plan within the SBI PSU Fund that doesn’t involve distributors, potentially leading to lower expense ratios.
Key features:
Fund Category:
Thematic-PSU, meaning it focuses on companies owned or controlled by the government.
Investment Objective:
To provide long-term capital growth and liquidity through investments in PSU stocks and debt.
Direct Plan:
This plan is designed for investors who choose to invest directly with the fund house, potentially reducing costs associated with distributors.
Growth Option:
This option reinvests any earnings from the fund, potentially leading to higher returns over time, but it also means you don’t receive any payouts.
AUM:
The fund manages assets worth ₹5,258.68 Crore, indicating it’s a medium-sized fund within its category according to ET Money.
Expense Ratio:
0.81%, which is the annual management fee charged for the fund.
NAV:
The latest Net Asset Value (NAV) is ₹35.12, as of June 24, 2025, according to Paytm Money.
Minimum Investment:
₹5,000 for a lump sum investment and ₹1,000 for SIP.
Risk:
High, as it’s an equity fund and investments are subject to market fluctuations.
Exit Load:
0.5% if redeemed within 30 days of investment.
Taxation:
Short-term capital gains (held for less than a year) are taxed at 20%, while long-term capital gains (held for over a year) are taxed at 12.5% on gains exceeding ₹1.25 lakh in a financial year, according to ClearTax.
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📊 Key Fund Details
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Fund Type: Open-ended equity scheme focusing on PSUs
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Launch Date: January 2, 2013
- Benchmark Index: BSE PSU TRI
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Risk Level: Very High
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Minimum Investment: ₹5,000 (lump sum), ₹500 (SIP)
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Exit Load: 0.50% if redeemed within 30 days; nil thereafter
📈 Performance Snapshot
| Period | Absolute Returns | Annualized Returns |
|---|---|---|
| 1 Week | 0.90% | — |
| 1 Month | 6.53% | — |
| 3 Months | 14.89% | — |
| 6 Months | -1.52% | — |
| Year-to-Date | 5.68% | — |
| 1 Year | 4.10% | 4.10% |
| 2 Years | 102.97% | 42.40% |
| 3 Years | 156.18% | 36.79% |
| 5 Years | 311.33% | 32.65% |
| 10 Years | 273.01% | 14.05% |
| Since Inception | 318.84% | 12.21% |
Portfolio Composition
Equity Allocation: 96.3%
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Large Cap: 65.48%
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Mid Cap: 22.12%
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Small Cap: 2.69%
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Debt & Government Securities: 0.1%
Top 5 Holdings:
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State Bank of India
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Power Grid Corporation of India
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GAIL (India) Ltd.
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Bharat Electronics Ltd.
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Bharat Petroleum Corporation Ltd
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💡 Who Is It For?
This fund is best suited for investors who:
- Have a high risk appetite
- Believe in the long-term potential of Indian PSUs
- Are you comfortable with sector-specific volatility
- Want to diversify with a thematic play on government-backed enterprises.
Highlights:
- The SBI PSU Fund boasts a solid long-term track record and a well-diversified portfolio of PSU stocks.
- Aditya Birla Sun Life PSU Equity Fund edges ahead in returns and has a lower expense ratio.
- Quant PSU Fund is more aggressive and volatile, often taking tactical bets.
If you’re looking for lower cost and slightly better returns, Aditya Birla’s fund is worth a look. But if you value consistency and scale, SBI’s offering is a strong contender.