SBI Mutual Fund is one of the most trusted names when it comes to investing in mutual funds in India. It has a strong track record, investor-friendly plans, and experienced fund managers. Whether you are a beginner or experienced investor, SBI Mutual Fund has options for everyone.
In this SBI mutual Fund Review 2025, we will look at some of the best-performing schemes that offer low risk and good returns. These are perfect for conservative investors who want to grow their money safely.
Let’s dive into the best schemes with low risks and good returns of SBI mutual fund’s 2025.
Why Choose SBI Mutual Fund in 2025?
SBI Mutual Fund is the most trusted name in India when it comes to investment. It is a joint venture between State Bank of India and Amundi Asset Management. As of early 2025, it manages more than ₹7 lakh crore in assets. SBI Mutual Fund is popular for offering many types of mutual fund schemes, expert fund managers, and customer-friendly services.
Key Reasons to Invest in SBI Mutual Funds:
- Strong track record – SBI Mutual Fund has performed well over the years. Many of its funds have done well over the years, giving investors solid returns.
- Low to moderate risk schemes – It offers different types of mutual fund schemes, some with low risk and some with moderate risk. So, you can choose based on how much risk you are comfortable taking.
- Consistent returns over time – Many SBI Mutual Funds have given steady and reliable returns over the long-term. This makes them a good choice for long-term wealth creation.
- Wide distribution network across India – You can invest easily through SBI branches, agents, or online platforms. The wide network makes it simple for people across India to invest.
- SEBI-regulated and trustworthy – SBI mutual Funds is approved and registered by SEBI (Securities and Exchange Board of India). This means it follows all rules and is safe and transparent for investors.
Best SBI Mutual Fund Review 2025 (Low Risk, Good Return)
Looking for mutual funds that offer safety and decent returns? Here are some of the top-performing SBI in 2025 that give you low risk, return, and peace of mind.
1. SBI Bluechip Fund
- Category: Large Cap Fund – Invests in big and well established companies, which are financially strong and more stable during market ups and downs.
- Returns: ~13%-14% in the last 5 years, which is quite good for a stable fund.
- Risk Level: Moderate – which means it’s not too risky but not too completely safe either. It’s a good balance for long-term investing.
- Minimum SIP – You can start investing with a minimum SIP of just ₹500, making it easy for anyone to begin.
- Why Invest?
This fund puts your money into large and trusted companies and usually these companies are leaders in their industries and have strong financial backgrounds. They are more stable during market ups and downs.
- Who Should Choose?
It is great for first-time investors, salaried people, and those planning for retirement.
2. SBI Equity Hybrid Fund
- Category: Hybrid Fund – Means it invests in both equity (stocks) and debt (bonds). So, you get a mix of growth and safety in one fund.
- Returns: ~11% to 12% in the last 5 years, which is quite good for a hybrid fund.
- Risk Level: Moderate – It’s safer than full equity funds but can still give good returns.
- Minimum SIP – You can start a SIP in this fund with just ₹500, which is affordable for most people these days.
- Why Invest?
This fund is a mix of equity (stocks) and debt (bonds). So you get the growth of equity and stability of debt. This mix makes it less risky than investing only in stocks.
- Who Should Choose?
It is ideal for investors who want both safety and good returns. Great for medium-term goals like buying a car, planning a wedding, or saving for a vacation in 3-5 years.
3. SBI Magnum Low Duration Fund
- Category: Debt Fund – Which means, it invests in low-risk, short-term financial instruments like bonds. Since it’s a Low Duration Fund, it focuses on short-term investments.
- Returns: Over the last 3 years, it gave average returns of around 6% to 7% per year (CAGR)
- Risk Level: Low – Which makes it more safer than equity or hybrid funds, as it doesn’t change much during market ups and downs.
- Minimum SIP – You can start investing with a minimum SIP of just ₹500, just like other funds.
- Why Invest?
This fund invests in short-term debt instruments like commercial papers and bonds. It gives regular income and has lower risk compared to equity funds. It is not affected much by interest rate changes.
- Who Should Choose?
This fund is best for short-term investors who want to keep their money safe for 6 months to 3 years. Good for keeping extra money and earning more than what you get in a savings account.
4. SBI Magnum Gilt Fund
- Category: Gilt Fund – Which means it invests in government bonds. These are considered very safe because they are backed by the government.
- Returns: It gave an average return of about 7% per year over the last 3 years.
- Risk Level: Low to Moderate – which means it’s safer than most equity funds, but returns can vary a bit based on interest rate changes.
- Minimum SIP – Like others, you can begin with just a ₹500 SIP, making it budget-friendly for everyone.
- Why Invest?
This fund invests only in government bonds, which are very safe because the government guarantees the returns. It works well when interest rates are falling, as bond prices go up.
- Who Should Choose?
This fund is best for safe investors, especially senior citizens or people who are close to their retirement. It offers capital protection with stable returns, better than fixed deposits over the long term.
5. SBI Savings Fund
- Category: Ultra Short Duration Fund – WHich means it invests for a very short time, just a few weeks to few months.
- Returns: This fund gave around 6% in 2025, which is better than regular savings accounts.
- Risk Level: Very Low – which gives you quick access to your money when needed.
- Minimum SIP – You can start investing with a minimum SIP of just ₹500, it is easy to get started and affordable for everyone too.
- Why Invest?
This fund gives you very low risk and quick access to your money. Returns are higher than most bank savings accounts or short-term FDs. It is almost like keeping cash but with better returns.
- Who Should Choose?
Best for those who want to keep emergency funds or save for very short-term needs like upcoming bills, travel, or a temporary cash reserve.
Expert Tips to Invest in SBI Mutual Funds Wisely
- Start with SIP: Begin with a Systematic Investment Plan (SIP). It helps you invest a fixed amount regularly and takes advantage of market ups and downs over time.
- Choose as per your goals: Don’t invest randomly. Pick SBI Mutual Funds that match your financial goals like saving for a house, retirement, or your children’s education.
- Review annually: Check how your mutual fund is performing at least once every year. This helps you stay on track and motivated.
- Understand the risk: All mutual funds, even the low-risk ones, can go up or down with the market. So know the risks before you invest.
- Use official platforms: Always invest through SBI Mutual Fund’s website, mobile apps, or trusted brokers to stay safe and avoid fraud.
Is SBI Mutual Fund Good for Beginners?
Yes, absolutely! If you are new to mutual fund investing, then SBI Mutual Funds are a great choice because:
- They have reliable customer service to help you and resolve your problems.
- The KYC (Know Your Customer) process is easy and quick.
- You can use a SIP calculator and other tools on their website, which can be pretty helpful for you.
- You can start with a low investment like SIPs, which begins from a low amount from just ₹500, which makes it affordable for everyone.
How to Invest in SBI Mutual Funds Online?
You can invest in SBI Mutual Funds easily and quickly by using these three sources:
- You can easily go to their official website – www.sbimf.com
- You can also use some popular mutual fund apps like Groww, Zerodha Coin, and ET Money.
- Or you can invest through net banking and for SBI customers, use the SBI YONO App.
Conclusion
SBI Mutual Funds in 2025 is still a safe and trusted way for Indians to grow their money. It offers different schemes based on your risk level and goals, so you can easily choose one that suits you better.
Let’s conclude the SBI Mutual Fund review for 2025 using a easy performance summary table:
| Scheme Name | Risk Level | Expected Return (2025) | Ideal For |
| SBI Bluechip Fund | Moderate | 13–14% CAGR | Long-term stable growth |
| SBI Equity Hybrid Fund | Moderate | 11–12% CAGR | Balanced risk and return |
| SBI Magnum Low Duration | Low | 6–7% CAGR | Short-term, low-risk goals |
| SBI Magnum Gilt Fund | Low to Moderate | Around 7% CAGR | Capital preservation |
| SBI Savings Fund | Very Low | About 6% Annually | Emergency or short-term needs |
FAQs
Which SBI Mutual Fund is best for low risk in 2025?
If you want low risk in 2025, SBI Savings Fund and SBI Magnum Low Duration Fund are good choices. They give steady returns of around 6–7% per year.
Is SBI Bluechip Fund good for long-term investment?
Yes, it is great for long-term investment. It invests in big, trusted companies and gives stable returns with less ups and downs.
Can I start SIP in SBI Mutual Fund with ₹500?
Yes! You can start a SIP in SBI Mutual Fund with just ₹500 per month. It is a good way to begin investing.
Is it safe to invest in SBI Mutual Funds?
Yes, it is safe to invest in SBI Mutual Fund. It is approved by SEBI and managed by SBI, India’s biggest government bank, which makes it one of the most trusted fund houses.
How do I redeem SBI Mutual Fund units?
To redeem SBI Mutual Fund units, go to the SBI Mutual Fund website or use platforms like Groww, Paytm Money, or Zerodha Coin. It’s quick and simple.