Mutf_In: SBI_Cont_Reg_Us1q75 Performance Explained

Introduction

Are you exploring investment options that go against the grain? A contra mutual fund might be the right choice for you. The SBI Contra Fund is an equity fund designed for investors who understand market trends and are willing to take a different path. This fund operates on a contrarian philosophy, which involves buying assets that are currently out of favor with the majority of investors. The goal is to capitalize on the potential for these undervalued assets to recover and deliver substantial returns over the long term.

Overview of SBI Contra Fund Regular Growth (Mutf_In: Sbi_Cont_Reg_Us1q75)

The SBI Contra Fund Regular Growth, identified by the code Mutf_In: Sbi_Cont_Reg_Us1q75, is a well-known equity fund from the SBI Mutual Fund house. It aims to provide long-term capital appreciation by investing in a mix of stocks using a contrarian approach. This fund is categorized as having a very high risk, making it an option for seasoned investors. To check the returns of the SBI Contra Fund Regular Growth plan, you can visit the official SBI Mutual Fund website or use widely recognized financial portals by searching for the fund using its code Mutf_In: Sbi_Cont_Reg_Us1q75. These platforms will provide historical return data, performance charts, and other relevant fund details to help track its growth.

As an open-ended scheme, it allows you to invest or redeem units on any business day. The fund is also available in a direct growth version, which offers a different expense structure. Let’s examine its features and strategy more closely.

Key Features and Objectives

The primary objective of the SBI Contra Fund is to generate long-term capital growth for you. It achieves this by adopting a contrarian investment strategy, which means it deliberately invests in stocks that are temporarily underperforming but have strong fundamental value. This approach assumes that the market will eventually recognize the true worth of these assets, leading to price appreciation.

A key aspect to understand is the difference between regular and direct plans. While both invest in the same portfolio, regular funds like this one have a slightly higher expense ratio to account for distributor commissions. In contrast, direct plans feature a lower expense ratio, potentially leading to higher returns for the investor.

Here are some core features:

• Investment Objective: Long-term capital appreciation.
• Strategy: Contrarian approach to identify undervalued equity securities.
• Risk Profile: Classified as a “Very High Risk” investment.
• Plan Type: Available in both regular and direct options with different expense structures.

Investment Strategy Explained

So, how does the fund’s contrarian investment strategy work in practice? The fund managers identify stocks that are trading at prices lower than their intrinsic value due to negative market sentiment or short-term industry challenges. The belief is that this herd mentality often leads to mispricing, creating valuable opportunities for those willing to go against the current. Your money is put into assets that the broader market may be overlooking.

The fund builds a diversified portfolio of equity to spread risk across various sectors and companies. While the primary focus is on equities, a small portion of the assets is allocated to fixed income instruments, such as government securities. This provides a layer of stability to the portfolio.

The strategy involves:

• Investing in out-of-favor stocks with strong fundamentals.
• Maintaining a diversified portfolio of equity across market caps.
• Allocating a small percentage to fixed income for stability.
• Aiming to profit from market corrections and sentiment shifts.

Current and Historical NAV Performance

Understanding a mutual fund’s Net Asset Value (NAV) is crucial for tracking its performance. The NAV represents the per-unit market value of all the stocks and bonds held in the portfolio. It is calculated daily, reflecting the gains or losses from the underlying investments. The latest NAV gives you a snapshot of the fund’s current worth.

By examining the historical NAV, you can analyze the fund’s performance trends over different timeframes. This helps you gauge its consistency and growth trajectory. Now, let’s look at the specific NAV details for this fund.

Latest NAV Update

As of August 19, 2025, the latest NAV of the SBI Contra Fund Regular Growth plan was ₹380.8032. This figure indicates the price per unit of the fund on that day. The NAV fluctuates daily based on the performance of the assets in the fund’s portfolio. It’s a key metric for both new investors looking to buy units and existing investors tracking their investment’s value.

For comparison, it’s helpful to understand the structure. The regular plan has a higher expense ratio than the SBI Contra Direct Funds Plan because it includes commissions for mutual fund brokers. A lower expense ratio in direct funds can translate into better returns over time, as less of your investment value is deducted for management fees.

Here is a quick look at the fund’s key metrics:

Annual and Multi-Year NAV Trends

Looking at the fund’s performance over several years provides a clearer picture of its potential. The historical NAV data reveals significant multi-year trends. For instance, the fund has delivered an impressive annualized return of 29.26% over the last five years, outperforming its category average of 24.93%. This indicates a strong growth phase during this period.

Over a three-year horizon, the fund provided an annualized return of 20.63%. Looking at a longer timeframe, the ten-year annualized return stands at 15.27%. While the one-year return shows a negative figure of -3.17%, the long-term performance highlights the fund’s ability to generate wealth. These figures underscore the importance of staying invested for the long term to navigate short-term market volatility and realize the benefits of the contrarian strategy.

Return Analysis for SBI Contra Fund Regular Growth

To truly assess a fund’s performance, you need to look beyond simple returns. Metrics like trailing returns, the Sharpe ratio, and standard deviation offer deeper insights into how the fund has performed relative to the risk it has taken. Trailing returns show you the fund’s historical performance over specific periods ending on the latest date.

Risk-adjusted return metrics help you understand if the returns generated were worth the volatility experienced. Let’s explore these metrics to get a comprehensive view of the fund’s performance profile.

Trailing Returns Metrics

Trailing returns provide a straightforward look at the fund’s performance up to a recent date. For the SBI Contra Fund Regular Growth, these returns paint a mixed picture across different timeframes, emphasizing its nature as a long-term investment. While the one-year return was -2.68%, the long-term numbers are more compelling.

The fund’s risk-adjusted performance is also noteworthy. With a Sharpe ratio of 1.41, it has demonstrated a better ability to generate returns for the amount of risk taken compared to its category average. Furthermore, its standard deviation is 10.58, which is lower than the category average, suggesting slightly less volatility than its peers over the last three years. This combination points toward efficient management in balancing risk and reward.

Key return figures include:

• 1-Year Return: -2.68%
• 3-Year Annualized Return: 20.27%
• 5-Year Annualized Return: 29.41%
• Sharpe Ratio: 1.41 (Category Avg: 1.31)

SIP Returns and their Impact

A Systematic Investment Plan (SIP) is a popular way to invest in mutual funds by investing a fixed amount regularly. Analyzing SIP returns shows how disciplined investing can average out costs and build wealth over time. For the SBI Contra Fund, the SIP returns have been strong over medium to long horizons.

For example, a monthly SIP of ₹1,000 started five years ago would have grown to a total value of ₹103,019.53 from an investment of ₹60,000. This translates to an impressive annualized return of 21.79%. It’s important to note that these returns are for regular funds, which are typically purchased through a mutual fund broker, and may be subject to an exit load. If you opt for direct options of the funds, your returns could be slightly higher due to the lower expense ratio.

SIP performance highlights include:

• 1-Year SIP: Investment of ₹12,000 grew to ₹12,094.89.
• 3-Year SIP: Investment of ₹36,000 grew to ₹46,017.35.
• 5-Year SIP: Investment of ₹60,000 grew to ₹103,019.53.

Portfolio Composition and Allocation

Do you know where your money is actually invested? Understanding a fund’s portfolio composition and allocation is essential. It tells you which assets the fund holds and how it diversifies across different stocks, sectors, and market caps. The SBI Contra Fund maintains a diversified portfolio of equity to mitigate risk and capture opportunities across the market.

Its allocation strategy provides insight into the fund manager’s convictions and approach. Let’s break down the asset, sector, and market cap distribution to see what’s under the hood.

Asset Allocation Breakdown

The fund’s asset allocation gives a clear view of its investment mix. As of July 31, 2025, the portfolio is predominantly invested in equities, which aligns with its objective of long-term capital growth. The fund also holds a smaller position in debt instruments and cash equivalents to maintain liquidity and provide some cushion against equity market volatility.

Specifically, the fund has about 80.18% of its assets in equity and related instruments. Within this, 77.77% is in domestic equities and 2.41% is in foreign equities. The allocation to debt stands at 4.33%, which is primarily invested in highly secure government securities. The remaining 15.49% is held in other instruments, including cash and equivalents.

The asset allocation is as follows:

• Equity: 80.18%
• Debt: 4.33%
• Others (Cash & Equivalents): 15.49%
• Debt Breakdown: 4% in Government securities and 0.33% in low-risk securities.

Sector and Market Cap Distribution

A closer look at the sector distribution reveals the areas where the fund managers see the most value. The portfolio is diversified across 16 sectors, with a significant concentration in the financial, energy, and consumer staples sectors. The top three sectors account for approximately 46.33% of the holdings, with the financial sector having the highest exposure at 23.57%. Top holdings include established names like HDFC Bank, Reliance Industries, and ITC.

In terms of market cap, the fund invests across the spectrum. The distribution is heavily tilted towards large-cap stocks, which provide stability, along with meaningful allocations to mid and small-cap stocks for higher growth potential. This balanced approach helps manage risk while seeking returns.

The market cap allocation is:

• Large Cap Stocks: 45.15%
• Mid Cap Stocks: 10.12%
• Small Cap Stocks: 4.93%

Comparing SBI Contra Fund Regular Growth With Peers in India

No investment decision should be made in isolation. How does the SBI Contra Fund stack up against its competitors? Comparing it with other contra funds, such as the ICICI Value Discovery Fund and the DSP Black ELSS tax saver fund, gives you a better perspective on its performance, size, and strategy within the category. While some funds like the DSP Black ELSS tax saver fund are mentioned, it’s more relevant to compare against direct peers.

This comparison helps you benchmark its returns and risk metrics against similar options available in the market. Let’s see how it fares against other major players in the contra and value-oriented space.

Performance Against Other Contra Funds

When placed alongside its peers, the SBI Contra Fund shows competitive performance, particularly over the long term. For instance, its five-year annualized return of 29.41% is one of the highest in its category, surpassing prominent funds like the ICICI Prudential Value Discovery Fund. However, in the shorter one-year and three-year periods, its performance has been more moderate compared to some competitors.

It is important to remember that these funds have different expense ratios, which can affect net returns. The SBI Contra Fund’s regular plan has a 1.5% expense ratio, while others in the category may be higher or lower. This table provides a snapshot of its performance against a few peers.

Conclusion

In summary, understanding the performance of the SBI Contra Fund Regular Growth (Mutf_In: Sbi_Cont_Reg_Us1q75) is essential for making informed investment decisions. By reviewing key features, investment strategies, and the historical NAV performance, you can better evaluate its potential for growth. This fund stands out due to its unique approach to asset allocation and sector distribution, allowing investors to gain a diversified portfolio. Furthermore, comparing it with peer funds provides valuable insights into its competitiveness in the market. For those looking to enhance their investment strategies, don’t hesitate to reach out for personalized guidance or a consultation to explore how this fund can fit into your long-term financial goals.