SBI Small Cap Fund SIP Calculator
Calculate historical returns and project future compounding for SBI Small Cap. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Small Cap
AUM
₹42,631 Cr
Expense Ratio
0.8%
Fund Manager
Rama Srinivasan & Suranjana Borthakur
SBI Small Cap Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 11.2% CAGR | 5 Years @ 13.6% CAGR | 10 Years @ 18.3% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹42,957 Invested: ₹36,000 | ₹86,160 Invested: ₹60,000 | ₹3,43,622 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹1,07,392 Invested: ₹90,000 | ₹2,15,399 Invested: ₹1,50,000 | ₹8,59,056 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹2,14,785 Invested: ₹1,80,000 | ₹4,30,799 Invested: ₹3,00,000 | ₹17,18,111 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹4,29,569 Invested: ₹3,60,000 | ₹8,61,598 Invested: ₹6,00,000 | ₹34,36,223 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹10,73,924 Invested: ₹9,00,000 | ₹21,53,995 Invested: ₹15,00,000 | ₹85,90,557 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (11.21%), 5-year (13.57%), and 10-year (18.34%) performance data. Actual mutual fund returns fluctuate with market NAV.
Expert Editorial Analysis & Investment Review
Independent, data-driven assessment of SBI Small Cap Fund covering strategy, benchmark tracking, risk metrics, and suitability for long-term SIP portfolios.
Fund Overview
SBI Small Cap Fund is a well-regarded small cap fund managed by SBI Funds Management, one of India’s largest and most trusted AMCs. The fund invests in companies ranked 251 and below by market capitalisation, with a focus on identifying high-quality small cap businesses with sustainable growth potential.
The fund benefits from SBI’s extensive research platform and distribution network. Its approach to small cap investing emphasises bottom-up stock selection, focusing on companies with strong fundamentals, competent management, and reasonable valuations relative to their growth potential.
Who Should Invest
This fund suits aggressive investors with a 10+ year horizon who want small cap exposure as part of a diversified portfolio. It works as a satellite holding (10-20% of equity allocation) alongside core large cap or flexi cap funds.
Small cap investing requires significant patience and conviction — the category can experience 40-50% drawdowns, and recovery periods can take 2-3 years. Only investors who can tolerate this volatility should consider this fund.
Key Strengths
- SBI AMC backing — Access to one of India’s largest fund houses with extensive research resources
- Long small cap track record — Experienced in navigating small cap market cycles
- Disciplined stock selection — Focus on quality small caps with sustainable competitive advantages
- Diversified portfolio — Maintains diversified holdings across sectors to manage small cap volatility
Risks to Consider
- Extreme volatility — Small cap funds can fall 40-50% in severe bear markets
- Liquidity risk — Small cap stocks can become highly illiquid during market stress
- Category timing — Small cap performance is cyclical; periods of strong outperformance are often followed by multi-year consolidations
- Long recovery periods — Small cap funds can take 2-3 years to recover from major drawdowns
How It Compares
Within the small cap category, SBI Small Cap competes with Nippon India Small Cap and HDFC Small Cap. Its SBI AMC backing provides credibility and research depth, though its size may limit agility versus smaller small cap funds.
The fund’s performance has been competitive within the category, with particular strength during recovery phases after small cap corrections.
Performance Context
Small cap funds experienced a severe 40-50% drawdown during the 2018 small cap crash. SBI Small Cap Fund’s diversified portfolio helped manage this decline. SIP investors who continued investing during this period accumulated units at deeply discounted prices and were rewarded during the 2019-2021 recovery.
During the 2020 COVID crash, the fund fell approximately 40%, recovering strongly in the subsequent rally. This pattern demonstrates both the risks and rewards of small cap SIP investing.
Use Our SIP Calculator with This Fund
To see how a monthly SIP in SBI Small Cap Fund would have performed through the 2018 crash and 2020 recovery, use our SIP calculator. The real NAV data shows the actual impact of staying invested through volatility.
About SBI Small Cap Fund
A small cap fund investing in emerging companies with high growth potential. Managed by SBI Mutual Fund, one of India's largest asset management companies.
Investment Strategy
Bottom-up stock picking in the small cap space. Focuses on companies with strong business models, growing market share, and capable management teams. Maintains a diversified portfolio of 60-80 stocks.
Key Facts
- Diversified portfolio of 60-80 small cap stocks
- Backed by SBI's extensive research team
- Higher volatility typical of small cap category
- Benchmark: Nifty Smallcap 250 TRI
Historical Returns
3-Year CAGR
11.21%
5-Year CAGR
13.57%
10-Year CAGR
18.34%
Benchmark
Nifty Smallcap 250 TRI
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
Top Holdings & Sector Allocation
As of September 2026, SBI Small Cap's portfolio includes:
Top 5 Holdings
- C.E. Info Systems
- Affle India
- Newgen Software
- Home First Finance
- Cygnet Industries
Sector Allocation
Financials 17%, IT 16%, Industrial 14%, Consumer 13%, Others 40%
Risk & Drawdowns
High volatility. Standard deviation ~21%. Small cap category risk.
Max drawdown -48% in 2008. -42% in March 2020. Recovery time 18-24 months.
Tax Treatment
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Who Should NOT Invest in SBI Small Cap?
Conservative investors, those with < 10 year horizon, or anyone who cannot tolerate 40%+ declines.
About the Fund Manager
Rama Srinivasan and Suranjana Borthakur. SBI's small cap team has extensive research resources.
Who Is This Fund Suitable For?
Suitable for aggressive investors with a 10+ year horizon. Expect higher volatility but potentially higher returns than large cap funds.
More Funds from SBI & Similar Schemes
Similar Funds to Consider
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for SBI Small Cap Investors
- FIRE Calculator — Plan your retirement corpus with SBI Small Cap as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in SBI Small Cap could cost you
- SIP vs EMI Calculator — Compare investing in SBI Small Cap vs paying off loans
Frequently Asked Questions About SBI Small Cap
What is the historical SIP return of SBI Small Cap?
Based on the latest data, SBI Small Cap has delivered an annualized return (CAGR) of 11.21% over 3 years, 13.57% over 5 years, and 18.34% over 10 years. Max drawdown -48% in 2008. -42% in March 2020. Recovery time 18-24 months.
How is SBI Small Cap SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ₹5,000 monthly SIP in SBI Small Cap generate over 5 years?
At an estimated annual return rate of 13.57%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹4,30,799 in 5 years, yielding an estimated wealth gain of ₹1,30,799. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in SBI Small Cap?
SBI Small Cap's top holdings include C.E. Info Systems, Affle India, Newgen Software, and Home First Finance. The fund's sector allocation is Financials 17%, IT 16%, Industrial 14%, Consumer 13%, Others 40%.
What is the risk profile of SBI Small Cap?
High volatility. Standard deviation ~21%. Small cap category risk. This fund may not be suitable for conservative investors, those with < 10 year horizon, or anyone who cannot tolerate 40%+ declines..
What are the tax implications of investing in SBI Small Cap?
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
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