Are you looking for mutual fund or Systematic Invesment Plan that’s give you risk free return on your investment. SBI Hybrid Fund gives your better return than the Fixed Deposits.
This SBI Mutual Fund invest in Equity & Debt Fund to give you balanced investment option for new or conservative investor.
SBI Hybrid Funds are Mutual Fund scheme where you will get the mix investment of Equity & Debt instruments. This fund gives you opportunity for growth through equity and stability through debt. Please check the following details as below:
Stocks for long-term growth
Bonds & fixed income for stability and regular returns
This combo helps reduce risk compared to pure equity funds, yet offers better returns than bank FDs.
Types of SBI Hybrid Funds
| Fund Name | Category | Equity Exposure | Risk Level |
|---|---|---|---|
| SBI Balanced Advantage Fund | Dynamic Asset Allocation | Varies (0–100%) | Moderate |
| SBI Equity Hybrid Fund | Aggressive Hybrid | 65–80% | High |
| SBI Multi Asset Allocation Fund | Multi-Asset | 30–65% | Moderate |
Advantages of SBI Hybrid Fund
Disadvantage of SBI Mutual Fund
SBI Hybrid Fund Returns
- Balanced Advantage Fund: 12.5% CAGR (last 5 years)
- Equity Hybrid Fund: 13.8% CAGR (last 5 years)
- Multi Asset Fund: 11.2% CAGR (last 5 years)
Who Should Invest?
Bridging the Gap : This Hybrid fund offer you a moderate returns on your investment. Those who want higher returns than pure debt funds but are not comfortable with the higher volatility of pure equity funds.
Risk Mitigation : The Debt component helps to cushion the impact of market, providing a degree of stability to the portfolio.
Convenience : Instead of investing separately in equity and Debt funds, a hybrid fund offers diversification within a single scheme, making portfolio.
Asset Allocation : Fund Managers actively manage the allocation between equity and Debt, potentially taking advantage of market opportunities and managing risk.
📦 Where Does Your Money Go? (Fund Allocation Explained)
When you invest in an SBI Hybrid Fund, your money doesn’t go into just one basket. It is carefully divided to balance growth and safety.
Here’s a typical example of how your money might be allocated in a hybrid fund like SBI Equity Hybrid Fund:
| Asset Type | Allocation (%) | Purpose |
|---|---|---|
| Equity (Stocks) | 60% – 75% | Long-term capital growth |
| Debt (Bonds, Govt Securities) | 20% – 35% | Stability and income |
| Cash & Others | 0% – 5% | Liquidity buffer |
📌 Note: The allocation can vary slightly depending on the fund manager’s strategy and market conditions. For example, a Balanced Advantage Fund may dynamically shift between equity and debt based on market trends.
This smart mix is what helps SBI Hybrid Funds give you the best of both worlds—growth from equity + stability from debt.
📊 Diversification of Funds & Stock Holdings
📁 What Does Diversification Look Like?
- ✔️ Investments in 30–60+ companies
- ✔️ Across multiple sectors like Banking, IT, Pharma, Auto, FMCG
- ✔️ Combination of large-cap, mid-cap, and sometimes small-cap stocks
- ✔️ Debt portion includes corporate bonds, government securities, and liquid assets
Top Equity Holdings in SBI Equity Hybrid Fund (as of 2024)
| Company Name | Sector | % of Portfolio |
|---|---|---|
| HDFC Bank | Banking | 7.2% |
| Infosys | IT Services | 5.9% |
| ICICI Bank | Banking | 5.1% |
| Reliance Industries | Energy | 4.6% |
| Bharti Airtel | Telecom | 3.5% |
- ✔️ Government Securities (G-Secs)
- ✔️ Corporate Bonds (AAA-rated)
- ✔️ Treasury Bills or Cash Equivalents
💡 Example: ₹2,000 SIP in SBI Hybrid Fund
💰 Investing ₹2,000/month for 10 years can grow into ₹4.2 to ₹4.8 lakhs, depending on the fund and market conditions. That’s the power of hybrid investing!
🛒 How to Start Your SIP
- Visit sbimf.com
- Or use a trusted platform:
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📚 Related Reads
🧮 SIP Return Calculator
Want to customize your SIP results? Try this official tool:
SBI Mutual Fund SIP Calculator📝 Final Thoughts
SBI Hybrid Fund brings balance to your portfolio — combining equity for returns and debt for protection. If you’re starting your investment journey or looking for steady growth, this is one fund to seriously consider.
Don’t wait for the “right time” — the best time to invest was yesterday, the next best time is now.
👉 Also read: Best SIP Mutual Funds to Invest in 2025
🚀 Ready to Begin?
Start small with an SBI Hybrid Fund and grow your wealth steadily. The best time to invest was yesterday. The next best time is now.
🧮 Try SIP Calculator