{"id":241001,"date":"2026-09-10T13:03:57","date_gmt":"2026-09-10T07:33:57","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/"},"modified":"2026-09-10T13:03:57","modified_gmt":"2026-09-10T07:33:57","slug":"sbi-consumption-opp-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/","title":{"rendered":"SBI Consumption Opp Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-consumption-opp-fund-g-direct-plan\">SBI Consumption Opp Fund Direct Growth Plan<\/a> is an equity fund with a NAV of \u20b9319.4618 as of 09 Sep 2026 and an AUM of \u20b92,826 Cr. Its 1-year, 3-year and 5-year returns are -13.01%, 5.13% and 12.3% respectively. The fund is tagged as High Risk, so our view is that it suits investors who can tolerate sharp swings and are willing to stay invested for long enough to let consumption-led cycles play out.<\/p>\n<p>The recent performance has been weak, but the longer run is more stable, and the portfolio is tilted toward consumer-facing and discretionary names. That mix can support upside when spending trends are healthy, though it also leaves the fund exposed when sentiment turns cautious. Our reading is that this is a fund for patient investors who understand that the return path can differ meaningfully from the benchmark over shorter stretches.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_SBI_Consumption_Opp\" title=\"Should you BUY or HOLD SBI Consumption Opp?\">Should you BUY or HOLD SBI Consumption Opp?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_SBI_Consumption_Opp_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of SBI Consumption Opp Fund Direct Growth Plan?\">What is the current NAV of SBI Consumption Opp Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#How_has_SBI_Consumption_Opp_Fund_Direct_Growth_Plan_performed_over_1_year_3_years_and_5_years\" title=\"How has SBI Consumption Opp Fund Direct Growth Plan performed over 1 year, 3 years and 5 years?\">How has SBI Consumption Opp Fund Direct Growth Plan performed over 1 year, 3 years and 5 years?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#How_does_the_fund_compare_with_the_benchmark\" title=\"How does the fund compare with the benchmark?\">How does the fund compare with the benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#How_does_it_compare_with_the_peer_funds_shown_here\" title=\"How does it compare with the peer funds shown here?\">How does it compare with the peer funds shown here?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_what_is_the_exit_load\" title=\"Who manages the fund and what is the exit load?\">Who manages the fund and what is the exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/sbi-consumption-opp-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b9319.4618 as of 09 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b92,826 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.92%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>High Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Equity<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>0.10% on or before 30D, Nil after 30D<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Ashit Desai<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Ashit Desai.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-6.13%<\/td>\n<td>-4.69%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>0.60%<\/td>\n<td>0.93%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>-13.01%<\/td>\n<td>-7.16%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>5.13%<\/td>\n<td>6.00%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>12.30%<\/td>\n<td>5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund has had a soft stretch recently. The 1-month return is weaker than the benchmark, and the 1-year return is also below the benchmark, which tells us the recent phase has been more difficult for the portfolio than for the broader market proxy.<\/p>\n<p>The longer picture is better. Over 3 years, the fund is still slightly behind the benchmark, but the gap is small, and the 5-year return is well ahead of the benchmark. That pattern suggests the strategy has been able to compound over a fuller cycle, even though shorter windows have been choppy.<\/p>\n<p>The return path itself has not been straight. The fund\u2019s 3-year and 5-year trajectories show meaningful swings along the way, which is consistent with a concentrated thematic equity approach rather than a smooth, defensive profile. That is important for investors because the latest weakness does not by itself define the fund\u2019s longer-run behaviour.<\/p>\n<p>Our view is that the benchmark comparison points to a fund that can diverge from the market for extended periods. When the cycle turns in its favour, the longer-term record improves materially; when the cycle softens, the near-term numbers can slip below the benchmark.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_SBI_Consumption_Opp\"><\/span>Should you BUY or HOLD SBI Consumption Opp?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding SBI Consumption Opp? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-consumption-opp-fund-g-direct-plan\">SBI Consumption Opp Fund Direct Growth Plan<\/a><\/td>\n<td>-13.01%<\/td>\n<td>5.13%<\/td>\n<td>12.30%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-strategic-metal-and-energy-equity-fof-g-direct-plan\">ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan<\/a><\/td>\n<td>71.49%<\/td>\n<td>36.55%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/motilal-oswal-active-momentum-fund-g-direct-plan\">Motilal Oswal Active Momentum Fund Direct Growth Plan<\/a><\/td>\n<td>30.08%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-healthcare-fund-g-direct-plan\">Kotak Healthcare Fund Direct Growth Plan<\/a><\/td>\n<td>28.85%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-pharma-and-healthcare-fund-g-direct-plan\">HDFC Pharma and Healthcare Fund Direct Growth Plan<\/a><\/td>\n<td>28.60%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/pgim-india-healthcare-fund-g-direct-plan\">PGIM India Healthcare Fund Direct Growth Plan<\/a><\/td>\n<td>27.47%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. The fund\u2019s 1-year return is materially weaker than the peer set shown here, while the 3-year and 5-year figures are more balanced relative to the few peers with longer histories. ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan stands far ahead on both 1-year and 3-year numbers, but several other peers only have 1-year data, so the longer-run comparison is narrower. That makes the short-term gap more obvious than the long-term one.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Mahindra &amp; Mahindra Ltd.<\/td>\n<td>Automobile &amp; Ancillaries<\/td>\n<td>5.22%<\/td>\n<\/tr>\n<tr>\n<td>Asian Paints Ltd.<\/td>\n<td>Chemicals<\/td>\n<td>4.93%<\/td>\n<\/tr>\n<tr>\n<td>Eternal Ltd.<\/td>\n<td>Retailing<\/td>\n<td>4.93%<\/td>\n<\/tr>\n<tr>\n<td>Jubilant Foodworks Ltd.<\/td>\n<td>FMCG<\/td>\n<td>4.63%<\/td>\n<\/tr>\n<tr>\n<td>Berger Paints India Ltd.<\/td>\n<td>Chemicals<\/td>\n<td>3.67%<\/td>\n<\/tr>\n<tr>\n<td>Titan Company Ltd.<\/td>\n<td>Diamond &amp; Jewellery<\/td>\n<td>3.61%<\/td>\n<\/tr>\n<tr>\n<td>United Breweries Ltd.<\/td>\n<td>Alcohol<\/td>\n<td>3.61%<\/td>\n<\/tr>\n<tr>\n<td>Britannia Industries Ltd.<\/td>\n<td>FMCG<\/td>\n<td>3.41%<\/td>\n<\/tr>\n<tr>\n<td>Varun Beverages Ltd.<\/td>\n<td>FMCG<\/td>\n<td>3.31%<\/td>\n<\/tr>\n<tr>\n<td>Page Industries Ltd.<\/td>\n<td>Textile<\/td>\n<td>3.27%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding, Mahindra &amp; Mahindra Ltd., carries a weight of 5.22%, which is large enough to matter but not so dominant that one stock appears to drive the whole portfolio. The drop from the first holding to the tenth is gradual rather than abrupt, moving from 5.22% to 3.27%, so the top names are fairly tightly grouped.<\/p>\n<p>The top 10 holdings account for approximately 40.59% of the portfolio, and the fund discloses 46 holdings overall. That combination suggests a meaningful core position set, but it still leaves room for a longer tail beyond the names shown here. In our view, the portfolio is therefore concentrated enough for the top consumer and discretionary ideas to influence performance, while not being a one- or two-stock bet.<\/p>\n<p>The mix also points to a consumer-oriented style that may behave differently from a broad market fund. Because several of the larger positions sit in consumer-facing businesses, the portfolio could benefit when spending trends are healthy, but those same holdings may also feel pressure when demand or sentiment cools.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/sbi-consumption-opp-fund-g-direct-plan\">SBI Consumption Opp Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund fits investors who can accept High Risk and are comfortable with a return path that may lag the benchmark in weaker stretches. The 1-year result is negative, while the 3-year and 5-year numbers recover, so the horizon matters more here than in a steadier equity fund.<\/p>\n<p>It is more suitable for a long-term allocation than for a short holding period. Investors who want exposure to consumer-led themes and can tolerate swings in performance may find the style understandable, but they need to accept that outcomes can differ sharply from the benchmark over shorter windows. The main trade-off is between thematic upside when the cycle is supportive and the risk of underperforming when it is not.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Exit load: 0.10% if units are sold on or before 30 days; nil after 30 days.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_SBI_Consumption_Opp_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of SBI Consumption Opp Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b9319.4618 as of 09 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_has_SBI_Consumption_Opp_Fund_Direct_Growth_Plan_performed_over_1_year_3_years_and_5_years\"><\/span>How has SBI Consumption Opp Fund Direct Growth Plan performed over 1 year, 3 years and 5 years?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its 1-year return is -13.01%, its 3-year return is 5.13%, and its 5-year return is 12.3%.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_the_benchmark\"><\/span>How does the fund compare with the benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It trails the Nifty 50 over 1 year and 3 years, but it is ahead of the benchmark over 5 years. The shorter-term pattern has been weaker than the longer-term record.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_the_peer_funds_shown_here\"><\/span>How does it compare with the peer funds shown here?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund\u2019s 1-year return is below the peer figures shown here, while its 3-year and 5-year returns are more competitive among the peers with longer histories. The comparison is mixed because several peers do not have all three horizons available.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b9500.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_what_is_the_exit_load\"><\/span>Who manages the fund and what is the exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Ashit Desai. The exit load is 0.10% if units are sold on or before 30 days, and nil after 30 days.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SBI Consumption Opp Fund Direct Growth Plan looks like a thematic equity fund with a longer-run record that is better than its recent stretch. The 1-year return has been weak, but the 3-year and 5-year figures show that the strategy can recover over a full cycle. Against the benchmark, it is behind in the shorter windows and ahead over 5 years. The portfolio is led by consumer and discretionary names and is therefore likely to move in line with that theme rather than the broad market.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 10 September 2026 at 1:03 PM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"SBI Consumption Opp Fund Direct Growth Plan\",\"identifier\":\"sbi-consumption-opp-fund-g-direct-plan\",\"category\":\"Equity\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":319.4618,\"valueReference\":\"as of 09 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"2826 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.92\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":-13.01},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":5.13},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":12.3},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Ashit Desai\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of SBI Consumption Opp Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b9319.4618 as of 09 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"How has SBI Consumption Opp Fund Direct Growth Plan performed over 1 year, 3 years and 5 years?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its 1-year return is -13.01%, its 3-year return is 5.13%, and its 5-year return is 12.3%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It trails the Nifty 50 over 1 year and 3 years, but it is ahead of the benchmark over 5 years. The shorter-term pattern has been weaker than the longer-term record.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds shown here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year return is below the peer figures shown here, while its 3-year and 5-year returns are more competitive among the peers with longer histories. The comparison is mixed because several peers do not have all three horizons available.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Ashit Desai. The exit load is 0.10% if units are sold on or before 30 days, and nil after 30 days.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>SBI Consumption Opp Fund Direct Growth Plan has a NAV of \u20b9319.4618 as of 09 Sep 2026, AUM of \u20b92,826 Cr, and 1Y\/3Y\/5Y returns of -13.01%, 5.13% and 12.3%.<\/p>\n","protected":false},"author":38,"featured_media":241000,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-241001","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["241000"],"rank_math_title":["SBI Consumption Opp Fund NAV, Returns Review 2026"],"rank_math_description":["SBI Consumption Opp Fund Direct Growth Plan NAV is \u20b9319.4618 as of 09 Sep 2026; 5Y return is 12.3% and 1Y return is -13.01%."],"rank_math_focus_keyword":["SBI Consumption Opp Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/SBI_Consumption_Opp_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241001","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=241001"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241001\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/241000"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=241001"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=241001"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=241001"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}