Best SBI Mutual Funds to Invest in 2025: SBI Mutual Fund is one of the most trusted and largest asset management companies (AMCs) in India, offering a variety of mutual fund schemes suited for different types of investors. Whether you are looking for high returns, tax savings, or stable income, SBI Mutual Funds provide diverse investment options.
In this detailed guide, we will explore the best SBI mutual funds for 2025, their performance, risk factors, investment process, and FAQs to help you make an informed decision.
1. Why Invest in SBI Mutual Funds?
a) Trusted Brand
SBI Mutual Fund is backed by the State Bank of India (SBI), one of India’s most reputed financial institutions.
b) Wide Range of Funds
They offer equity, debt, hybrid, and tax-saving funds, catering to different financial goals.
c) Strong Fund Management
Experienced fund managers use proven investment strategies to maximize returns.
d) Consistent Performance
Many SBI mutual funds have delivered higher-than-average market returns over time.
2. Best SBI Mutual Funds to Invest in 2025
Top SBI Mutual Funds Based on Investment Goals
| Fund Name | Category | 5-Year Returns | Best For |
|---|---|---|---|
| SBI Bluechip Fund | Large-Cap Equity | 14.5% | Long-term wealth creation |
| SBI Small Cap Fund | Small-Cap Equity | 20.8% | High-risk, high-return investors |
| SBI Magnum Midcap Fund | Mid-Cap Equity | 18.2% | Investors looking for growth in mid-sized companies |
| SBI Equity Hybrid Fund | Hybrid (Equity + Debt) | 12.3% | Balanced investors with moderate risk |
| SBI Magnum Gilt Fund | Debt (Government Bonds) | 8.6% | Low-risk investors seeking stable returns |
| SBI Banking & Financial Services Fund | Sectoral Equity | 15.9% | Investors interested in the BFSI sector |
| SBI ELSS Tax Saver Fund | Tax-Saving (ELSS) | 16.5% | Investors looking to save tax under Section 80C |
Note: Returns are subject to market conditions. Past performance does not guarantee future returns.
3. Best SBI Mutual Funds for SIP Investment
If you prefer investing in small amounts regularly, Systematic Investment Plans (SIP) in these SBI mutual funds can be a great option:
- SBI Small Cap Fund – Best for aggressive investors with long-term goals.
- SBI Bluechip Fund – Suitable for low-risk, steady-growth investors.
- SBI Equity Hybrid Fund – Good for balanced portfolio allocation.
- SBI ELSS Tax Saver Fund – Ideal for tax-saving investments.
4. How to Invest in SBI Mutual Funds?
Step 1: Define Your Investment Goal
Decide whether you are investing for wealth creation, retirement, tax savings, or short-term needs.
Step 2: Select the Right Fund
Choose an SBI mutual fund based on risk appetite and investment horizon.
Step 3: Open an Investment Account
You can invest via:
- SBI Mutual Fund Website – https://www.sbimf.com/
- Mutual Fund Platforms – Groww, Zerodha Coin, Paytm Money, ET Money
- Banks & Brokers – Directly through SBI branches or financial advisors
Step 4: Complete KYC Verification
To invest, you need:
- PAN Card
- Aadhaar Card
- Bank Account Details
Step 5: Choose Investment Mode
- Lump Sum – One-time investment
- SIP (Systematic Investment Plan) – Monthly/quarterly investments
Step 6: Track & Rebalance
Monitor your fund performance regularly and rebalance if needed.
5. Taxation on SBI Mutual Funds
- Equity Mutual Funds (More than 65% stocks):
- Short-Term (<1 Year): 15% tax on capital gains
- Long-Term (>1 Year): 10% tax on gains above ₹1 lakh
- Debt Mutual Funds:
- Short-Term (<3 Years): Taxed as per your income tax slab
- Long-Term (>3 Years): 20% tax with indexation benefits
- ELSS Funds (Tax-Saving):
- Get tax benefits up to ₹1.5 lakh under Section 80C
6. Risks of Investing in SBI Mutual Funds
🔴 Market Risk – Equity funds fluctuate based on stock market performance.
🔴 Interest Rate Risk – Debt funds may be affected by interest rate changes.
🔴 Sectoral Risks – Sector-based funds depend on industry performance.
🔴 Liquidity Risk – Some funds have lock-in periods (e.g., ELSS).
Tip: Diversify your investments to manage risks effectively.
7. Important Links for SBI Mutual Fund Investment
🔹 SBI Mutual Fund Official Website – https://www.sbimf.com/
🔹 SBI Mutual Fund Login – https://www.sbimf.com/investor/sign-in
🔹 Groww SBI Mutual Fund Page – https://groww.in/mutual-funds/amc/sbi-mutual-fund
🔹 SBI Mutual Fund Customer Support – https://www.sbimf.com/contact-us
8. FAQs on SBI Mutual Funds
Q1: Which is the best SBI mutual fund for high returns?
SBI Small Cap Fund and SBI Magnum Midcap Fund have historically given high returns but come with higher risk.
Q2: Is it safe to invest in SBI Mutual Funds?
Yes, SBI Mutual Funds are regulated by SEBI and managed by expert fund managers. However, returns are market-dependent.
Q3: How much should I invest in SBI mutual funds?
You can start with ₹100 per month in SIP or a lump sum of ₹5,000 in most SBI mutual funds.
Q4: Can I withdraw my SBI Mutual Fund investment anytime?
Yes, except for ELSS funds (3-year lock-in) and close-ended schemes. Equity and debt funds can be withdrawn anytime.
Q5: How can I check my SBI Mutual Fund performance?
Visit https://www.sbimf.com/ or use mutual fund tracking apps like Groww and Coin by Zerodha.
9. Conclusion
SBI Mutual Funds offer a variety of options for different investment needs. Whether you seek long-term growth, tax benefits, or stable income, there’s an SBI mutual fund for you.
🚀 Best Picks for 2025:
✅ SBI Bluechip Fund – Large-cap stability
✅ SBI Small Cap Fund – High-risk, high-return
✅ SBI Equity Hybrid Fund – Balanced growth
✅ SBI ELSS Tax Saver Fund – Tax savings + wealth creation
Start investing in SBI Mutual Funds today and let your money grow! 🌱