SBI PSU 定投收益计算器
测算 SBI PSU 的真实历史定投回报与复利增值。基于官方公开历史净值，回测不同定投金额、持有期限及每年递增投资效果。
基金类别
Sectoral/Thematic (PSU)
资产规模 (AUM)
₹3,870 Cr
管理费率 (Expense Ratio)
0.41%
基金经理
Rohit Shimpi
SBI PSU 历史定投表现及收益矩阵表
基于实际历史复合年化回报率（CAGR）测算的不同月定投金额持有收益。
| 每月定投金额 | 3 年期 @ 17.9% CAGR | 5 年期 @ 21.8% CAGR | 10 年期 @ 13.6% CAGR |
|---|---|---|---|
| ₹1,000/月 | ₹47,906 累计投入: ₹36,000 | ₹1,08,868 累计投入: ₹60,000 | ₹2,55,638 累计投入: ₹1,20,000 |
| ₹2,500/月 | ₹1,19,765 累计投入: ₹90,000 | ₹2,72,169 累计投入: ₹1,50,000 | ₹6,39,096 累计投入: ₹3,00,000 |
| ₹5,000/月 | ₹2,39,530 累计投入: ₹1,80,000 | ₹5,44,338 累计投入: ₹3,00,000 | ₹12,78,192 累计投入: ₹6,00,000 |
| ₹10,000/月 | ₹4,79,060 累计投入: ₹3,60,000 | ₹10,88,676 累计投入: ₹6,00,000 | ₹25,56,383 累计投入: ₹12,00,000 |
| ₹25,000/月 | ₹11,97,650 累计投入: ₹9,00,000 | ₹27,21,689 累计投入: ₹15,00,000 | ₹63,90,958 累计投入: ₹30,00,000 |
* 测算基于实际基金历史年化收益率。基金投资不同于银行存款，实际投资回报随二级市场净值实时波动。
关于 SBI PSU Fund
A thematic equity fund from SBI Mutual Fund investing in Public Sector Undertakings (PSUs) — dominated by public sector banks riding India's government-led capital cycle.
投资策略与运作方式
Invests predominantly in PSU stocks, with public sector banks (SBI, Bank of Baroda, Canara Bank, PNB) making up nearly 85% of the portfolio, complemented by energy and defence PSUs.
核心亮点与产品特征
- One of India's largest PSU-themed funds at ₹6,600+ crore AUM
- Public sector banks are ~85% of the portfolio
- Benchmark: BSE PSU TRI
- Expense ratio: 0.85% (Direct)
历史年化收益表现 (CAGR)
近3年年化
17.9%
近5年年化
21.75%
近10年年化
13.59%
业绩基准
BSE PSU TRI
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
前五大核心持仓与行业分布
根据最新公开披露，SBI PSU 的核心持仓与资产配置如下：
前五大重仓资产
- State Bank of India
- Bank of Baroda
- Canara Bank
- Punjab National Bank
- Union Bank of India
行业板块分布
Extremely bank-heavy — SBI (25%), Bank of Baroda (16%), Canara Bank (13%) and PNB (11%) dominate, with energy and defence PSUs making up the balance.
风险特征与最大回撤
Very high volatility — annualized standard deviation ~20% — as the portfolio is concentrated in a handful of correlated public sector financials.
The fund fell over 45% in the March 2020 crash and suffered extended drawdowns through 2017-2020 when PSUs lagged private banks, before the 2021-26 PSU re-rating.
交易规则与税费说明
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
哪些投资者不适合投资 SBI PSU？
Investors who already own PSU bank stocks, or who want diversified equity exposure rather than a single government-ownership theme.
基金经理简介
Rohit Shimpi has managed the fund for SBI Mutual Fund; he joined SBI after stints at CNBC TV18, JP Morgan's offshore research centre and HDFC Standard Life.
适合哪些投资者？
Suitable for aggressive thematic investors with a 5+ year horizon who want concentrated exposure to the PSU re-rating and government capex theme.
同类别备选基金
- Aditya Birla Sun Life PSU Equity Fund
- Invesco India PSU Equity Fund
- Nippon India Power and Infra Fund
您也可以通过我们的 智能定投主计算器 对比多只基金，在相同定投金额与周期下直观比对历史表现。
更多定投与财务规划实用工具
- 财务自由 (FIRE) 计算器 — 规划您的提前退休与被动收入目标
- 推迟定投成本计算器 — 直观测算推迟开始定投将损失的复利财富
- 定投 vs 还贷 (SIP vs EMI) 计算器 — 科学权衡提前还房贷还是坚持基金定投
常见问题解答 (FAQ) — SBI PSU
SBI PSU 的历史定投回报表现如何？
根据交易所公开历史数据，SBI PSU 近3年年化回报率为 17.9%，近5年年化为 21.75%，近10年年化为 13.59%。 Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
基金定投（SIP）的回报是如何计算的？
定投回报采用扩展内部收益率（XIRR）或基于真实历史月度净值的复利回测计算。在每月设定的扣款日，定投金额会按当天公布的基金份额净值（NAV）申购份额。在市场回调时自动购入更多份额、市场上涨时购入更少份额，通过时间平摊持仓成本并实现复利。
每月定投 ₹5,000，5年后大约能积累多少资产？
按年化复合回报率 21.75% 测算，每月定投 ₹5,000（5年累计投入本金 ₹3,00,000），5年后预期期末总资产约为 ₹5,44,338，预期资产增值收益约为 ₹2,44,338。您可以使用上方计算器输入自定义金额与年份测试。
SBI PSU 的前几大重仓资产包含哪些？
SBI PSU 的核心重仓包括 State Bank of India、Bank of Baroda、Canara Bank 等知名标的。行业配置侧重于 Extremely bank-heavy — SBI (25%), Bank of Baroda (16%), Canara Bank (13%) and PNB (11%) dominate, with energy and defence PSUs making up the balance.。
SBI PSU 的投资风险等级如何？
Very high volatility — annualized standard deviation ~20% — as the portfolio is concentrated in a handful of correlated public sector financials. 本基金可能不适合 Investors who already own PSU bank stocks, or who want diversified equity exposure rather than a single government-ownership theme.
投资该基金有哪些税费或交易成本？
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
数据更新时间: 2026年9月 | 历史净值来自官方公开交易所行情