SBI Automotive Opportunities Fund Direct Growth Review 2026: NAV, Returns, Portfolio & Should You Invest?

SBI Automotive Opportunities Fund Direct Growth Plan has a NAV of ₹13.6974 as of 10 Sep 2026 and a scheme AUM of ₹6,348 Cr. Its 1-year, 3-year and 5-year returns are 27.13%, Data not available and Data not available, while the risk category is High Risk. Our view is that the fund has shown a strong recent run, but its fit is more limited to investors who are comfortable with sharp swings and who want category-specific exposure rather than a broad market substitute.

With a benchmark-linked 1-year pattern that is clearly ahead of the index and a portfolio concentrated in auto and auto-ancillary names, this fund can suit investors who accept sector concentration in exchange for thematic upside. The recent momentum looks better than the shorter-window benchmark behaviour, but the longer record is still too short to lean on for a full cycle assessment.

Quick facts

Particular	Details
NAV	₹13.6974 as of 10 Sep 2026
AUM	₹6,348 Cr
Expense Ratio	0.94%
Launch Date	05 Jun 2024
Min SIP	₹500
Risk Category	High Risk
Benchmark	Nifty 50
Fund Category	Equity
Exit Load	1% on or before 30D, Nil after 30D
Fund Managers	Tanmaya Desai

The fund is managed by Tanmaya Desai.

Source data date: as of 10 Sep 2026

Performance

Period	Fund return	Benchmark return
1M	-0.91%	-4.06%
3M	17.52%	1.37%
1Y	27.13%	-7.31%
3Y	Data not available	Data not available
5Y	Data not available	Data not available

The fund’s short-term track record is constructive. The 1-month return was slightly negative, but it still held up better than the benchmark, which was more weakly placed over the same period. The 3-month return improved sharply, and that strength carried into the 1-year figure, which points to a meaningful recovery phase rather than a flat drift.

What stands out is the gap versus the benchmark at the 1-year mark. The fund stayed positive while the benchmark was in negative territory, which suggests the portfolio has recently been able to capture sector-specific tailwinds and manage drawdowns better than the broad index over that stretch. For a thematic equity fund, that kind of divergence matters because the index is not the same kind of exposure.

At the same time, the short history limits how much one can infer about full-cycle resilience. The provided trend pattern shows periods of recovery and pullback inside a relatively narrow launch window, so our view is that the fund has delivered a strong recent outcome, but it still needs more time before a longer performance pattern becomes visible.

Source data date: as of 10 Sep 2026

Should you BUY or HOLD SBI Automotive Opportunities?

A fund's past returns alone don't tell you whether you should buy it today or continue holding it.

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.

Already holding SBI Automotive Opportunities? Thinking of investing now?

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Peer comparison

Fund	1Y return	3Y return	5Y return
SBI Automotive Opportunities Fund Direct Growth Plan	27.13%	Data not available	Data not available
ICICI Pru Strategic Metal and Energy Equity FoF Direct Growth Plan	73.94%	37.12%	Data not available
Motilal Oswal Active Momentum Fund Direct Growth Plan	29.94%	Data not available	Data not available
Kotak Healthcare Fund Direct Growth Plan	29.26%	Data not available	Data not available
HDFC Pharma and Healthcare Fund Direct Growth Plan	28.3%	Data not available	Data not available

This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639. On the 1-year measure, the fund trails a few of the peer returns shown here, even though it is still comfortably ahead of the benchmark. The peer set also shows that the strongest recent outcomes have come from a different thematic pocket, which means the comparison is useful for context but not for treating all sector funds as interchangeable.

On 3-year and 5-year figures, the comparison is limited because the fund itself does not yet have those numbers available. That creates a different picture from the shorter window: the current fund can be assessed on its recent momentum, but longer-horizon relative judgment cannot be made on the same basis yet. For readers comparing theme funds, the short-term gap versus some peers is visible, but the benchmark-beating 1-year outcome still keeps this fund in a credible recent-performance position.

Source data date: as of 10 Sep 2026

Portfolio: where your money goes

Holding	Sector	Weight
Mahindra & Mahindra Ltd.	Automobile & Ancillaries	12.92%
Eicher Motors Ltd.	Automobile & Ancillaries	5.64%
TVS Motor Company Ltd.	Automobile & Ancillaries	4.92%
Sona BLW Precision Forgings Ltd.	Automobile & Ancillaries	4.48%
Samvardhana Motherson International Ltd.	Automobile & Ancillaries	4.3%
Maruti Suzuki India Ltd.	Automobile & Ancillaries	4.27%
Bharat Forge Ltd.	Automobile & Ancillaries	3.98%
Dhoot Transmission Ltd.	Domestic Equities	3.81%
Tata Motors Ltd.	Domestic Equities	3.71%
Happy Forgings Ltd.	Automobile & Ancillaries	3.55%

The largest holding, Mahindra & Mahindra Ltd., carries a weight of 12.92%, which is large enough to be a meaningful single-name influence. The drop from the first holding to the tenth is not extreme in the later rows, but the top position is noticeably heavier than the rest, which can increase the fund’s sensitivity to that stock’s performance.

The top 10 holdings account for approximately 51.58% of the portfolio, and the fund discloses 33 holdings overall. That combination suggests a fairly focused portfolio with a longer tail below the visible names, rather than a very wide spread across many equally sized positions. In our view, the structure may amplify both upside and downside when the auto cycle moves in the fund’s favour or against it.

Because the visible book is concentrated in automobile and ancillary names, the portfolio is likely to have greater influence from sector sentiment than a diversified large-cap equity fund. That does not automatically make it unstable, but it does mean the stock selection and the sector environment may matter more than broad market trends for near-term outcomes.

To see all holdings, visit the SBI Automotive Opportunities Fund Direct Growth Plan page

Source data date: as of 10 Sep 2026

Who should invest

This fund may suit investors who can tolerate High Risk equity swings and who are comfortable with a theme-led portfolio. The recent 1-year result is stronger than the benchmark, but the available history is still short, so a longer investment horizon is more appropriate than a short trading-style view.

It can fit investors who want automotive exposure and are prepared for periods when thematic returns may move differently from the broad market. The main trade-off is clear: stronger sector-linked upside may come with sharper volatility and a heavier dependence on a narrow set of businesses.

Tax and exit load

Holding period	Tax rate	Description
Units held less than 1 year	20%	Short-term capital gains tax
Units held more than 1 year	12.5%	Long-term capital gains tax

Exit load: 1% if units are sold on or before 30 days. No exit load after the holding period.

Source data date: as of 10 Sep 2026

Frequently asked questions

What is the current NAV of SBI Automotive Opportunities Fund Direct Growth Plan?

The current NAV is ₹13.6974 as of 10 Sep 2026.

What are the 1-year, 3-year and 5-year returns?

The 1-year return is 27.13%, while the 3-year and 5-year returns are Data not available.

How has the fund performed versus the benchmark?

It has done better than the benchmark over the 1-month, 3-month and 1-year periods shown. The 1-year fund return is 27.13% versus -7.31% for the benchmark.

How does the fund compare with the peer funds shown here?

Its 1-year return of 27.13% is below several of the peer returns shown, while its 3-year and 5-year figures are not available. That means the comparison is most useful for recent performance rather than long-horizon contrast.

What is the minimum SIP amount?

The minimum SIP amount is ₹500.

Who manages the fund and what is the exit load?

The fund is managed by Tanmaya Desai. The exit load is 1% if units are sold on or before 30 days, and nil after the holding period.

Bottom line

SBI Automotive Opportunities Fund Direct Growth Plan has shown a stronger recent run than its benchmark, but the fund’s short history means the longer story is still developing. Compared with the peer returns shown, the 1-year figure is respectable but not the strongest in that group. The High Risk profile and the concentrated auto-and-ancillary portfolio make it most relevant for investors who want thematic equity exposure and can accept sharper swings in return behaviour.

Published on 11 September 2026 at 1:51 PM IST

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RIA disclosure

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.