SBI COMMA Fund - REGULAR PLAN - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- Generated +1.8% annualized alpha (excess return) over its benchmark.
- Cost-efficient: expense ratio of 2.31% is lower than category median (2.52%).
- Over 21 years of operational history across different market cycles.
- Experienced a maximum drawdown of -64.9% during severe market crashes.
Key Statistics vs Category Median
Trailing Returns Comparison
| Period | Fund Return | Category Median | Difference |
|---|---|---|---|
| 1 Month | +5.65% | +6.32% | -0.67% |
| 3 Months | -2.13% | -0.20% | -1.93% |
| 6 Months | -0.94% | +5.98% | -6.92% |
| 1 Year | +7.06% | +3.90% | +3.16% |
| 3 Years CAGR | +14.66% | +13.23% | +1.43% |
| 5 Years CAGR | +9.59% | +10.72% | -1.13% |
| 7 Years CAGR | +17.40% | +15.35% | +2.05% |
| 10 Years CAGR | +14.31% | +14.26% | +0.05% |
| Since Inception | +10.58% | - | - |
📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay
See how a regular monthly SIP in SBI COMMA Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.
Calendar Year Returns
| Year | Fund | Category Median | Gap |
|---|---|---|---|
| 2026 | +4.77% | +4.03% | +0.74% |
| 2025 | +12.32% | +1.43% | +10.89% |
| 2024 | +10.48% | +20.41% | -9.93% |
| 2023 | +32.33% | +30.70% | +1.63% |
| 2022 | -6.56% | +1.66% | -8.22% |
| 2021 | +52.00% | +30.31% | +21.69% |
| 2020 | +23.87% | +13.54% | +10.33% |
| 2019 | +11.77% | +7.11% | +4.66% |
| 2018 | -18.74% | -5.94% | -12.80% |
| 2017 | +39.22% | +39.22% | 0.00% |
| 2016 | +32.25% | +4.10% | +28.15% |
| 2015 | -6.14% | +1.85% | -7.99% |
| 2014 | +31.47% | +52.06% | -20.59% |
| 2013 | -13.07% | -4.06% | -9.01% |
| 2012 | +13.90% | +26.60% | -12.70% |
| 2011 | -28.46% | -23.05% | -5.41% |
| 2010 | +9.01% | +18.91% | -9.90% |
| 2009 | +99.00% | +77.75% | +21.25% |
| 2008 | -59.71% | -57.13% | -2.58% |
| 2007 | +86.01% | +66.75% | +19.26% |
Daily Rolling Returns Summary
| Rolling Window | Minimum | Average | Median | Maximum | % Positive | % Beating Proxy |
|---|---|---|---|---|---|---|
| 1-Year Rolling | -60.69% | +15.17% | +8.51% | +118.18% | 62.8% | 61.3% |
| 3-Year Rolling | -15.76% | +11.34% | +13.15% | +34.94% | 86.6% | 59.4% |
| 5-Year Rolling | -6.78% | +10.67% | +11.12% | +30.07% | 88.3% | 88.1% |
Risk Profile & Deepest Drawdowns
Deepest Market Corrections (Depth >= 10%)
| Peak Date | Trough Date | Fall Depth | Months to Bottom | Recovery Period |
|---|---|---|---|---|
| 2008-01-04 | 2008-10-27 | -64.9% | 10 months | 95 months |
| 2018-01-12 | 2020-03-23 | -41.8% | 26 months | 8 months |
| 2006-05-02 | 2006-06-14 | -37.5% | 1 months | 11 months |
Portfolio & Asset Allocation
Statutory Asset Allocation Mandate (SEBI / SID)
| Instrument Category | Permitted Allocation Range |
|---|---|
| Equity and equity related securities of companies engaged in commodity and related companies (including REITs & foreign securities) | 80% - 100% |
| Other equities and equity related instruments | 0% - 20% |
| Units issued by InVIT | 0% - 10% |
| Money Market and other Liquid Instruments including units of domestic mutual funds | 0% - 20% |
| Gold and Silver Instruments | 0% - 20% |
Investment Objective & Strategy
To generate opportunities for growth along with possibility of consistent returns by investing predominantly in a portfolio of stocks of companies engaged in the commodity and commodity related businesses.
ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.
Fund Size Position
Currently managing Rs 1,242 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as comfortable relative to Sectoral / Thematic schemes.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
Equity-oriented schemes: 20% short-term capital gains tax if sold within 12 months; 12.5% long-term capital gains tax on gains exceeding ₹1.25 lakh per financial year when held for more than 12 months.
Closest Sectoral / Thematic Peers by Rank
| Scheme | Score | 3Y Return | Expense | Downside | Fund Size | Compare |
|---|---|---|---|---|---|---|
| quant Quantamental Fund | 5.4 | +13.94% | 2.74% | 101.0% | Rs 1,591 cr | Compare → |
| quant Manufacturing Fund | 4.4 | +14.12% | 2.73% | 123.2% | Rs 710 cr | Compare → |
| Tata Resources & Energy Fund | 5.4 | +14.20% | 2.22% | 85.3% | Rs 1,418 cr | Compare → |
| Mirae Asset Banking and Financial Services Fund | 6.0 | +13.00% | 2.13% | 94.5% | Rs 2,407 cr | Compare → |
| HSBC Infrastructure Fund | 5.8 | +14.63% | 2.12% | 125.0% | Rs 2,374 cr | Compare → |
Frequently Asked Questions about SBI COMMA Fund
What is the expense ratio of SBI COMMA Fund?
SBI COMMA Fund has a total expense ratio (TER) of 2.31% with a base expense ratio of 1.86%, compared to the Sectoral / Thematic category median of 2.52%.
Who manages SBI COMMA Fund?
SBI COMMA Fund is managed by Dinesh Balachandran (tenure: 2.4 years since 2024-06-01).
What are the historical returns of SBI COMMA Fund?
SBI COMMA Fund delivered a 3-year CAGR of 14.66% and a 5-year CAGR of 9.59%. Its 1-year return stands at +7.06%.
How large is SBI COMMA Fund?
SBI COMMA Fund manages assets of Rs 1,242 cr, placing it in the 'comfortable' size band relative to Sectoral / Thematic peers.
How is SBI COMMA Fund scored on MFIQ?
SBI COMMA Fund holds an MFIQ Score of 4.8/10 (Weak), based on a category percentile composite across returns, risk, consistency, and cost.
How risky is SBI COMMA Fund?
SBI COMMA Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 18.04% with a maximum historical drawdown of -64.90%.