SBI Consumption Opportunities Fund, one of the oldest funds from the SBI Mutual Fund house, has been a consistent performer over various periods like 3, 5, 10, 20 and 25 years. Launched in July 1999, the scheme has delivered an impressive 15.5% annualised return over the last nearly 26 years.
Previously known as SBI FMCG Fund, this fund follows the NIFTY India Consumption TRI benchmark, which tracks the performance of the country’s leading consumption-based companies.
Launched on 5 July 1999, the objective of this fund is to achieve long-term capital growth by investing in consumer goods and services. As of 31 May 2025, the AUM of this fund has reached Rs 3,028 crore, and the expense ratio of the scheme is 1.98%, which is slightly on the higher side.
SBI Consumption Opportunities Fund’s performance over 1, 3, 5 and 10 years
The fund’s performance has varied over time, but over the long term, it has delivered good returns to investors:
Over 1 year, SBI Consumption Opportunities Fund has delivered a return of 4.16%, while the benchmark is 9.23% and the category is 6.55%.
But over 3 years and 5 years, the fund has performed exceptionally well, outperforming both the benchmark and sector category with CAGR returns of 19.21% and 26.38%, respectively.
Over 10 years, the fund has delivered an average annual return of 15.88%, which is better than the category average (14.65%) and BSE 500 TRI (14.41%).
Fund’s performance over 25 years – SIP and Lump sum returns
SBI Consumption Opportunities Fund has delivered an 18.25% CAGR over the last 202 years and a 15.50% CAGR since its launch in July 1999.
With this rate of return, a lump sum investment of Rs 1 lakh in the SBI Consumption Opportunities Fund made 25 years ago would be worth now more than Rs 42 lakh.
The thematic fund’s SIP returns have been 18.45% CAGR over the last 26 years. An SIP of Rs 1,000 started 26 years ago would have turned into a whopping Rs 57.52 lakh now.
Who should invest in SBI Consumption Opportunities Fund?
This fund is especially suitable for investors who want to put their money in companies with consumer products and services and have investment horizon of at least 5 years or more. These investors must be prepared to bear the volatility of the market in the short and long term.
Where does this SBI Consumption Opportunities Fund invest?
The strategy of this fund is clear and that is to invest in companies that drive consumer demand. Its top holdings include:
Bharti Airtel (5.11%) – a telecom giant
Maruti Suzuki (5.06%) – India’s largest carmaker
Jubilant Foodworks (5.05%) – operates QSR brands like Domino’s
Britannia Industries (4.38%) – a leading player in the packaged food segment
Ganesha Ecospire (4.33%) – a leading name in recycled polyester.
Sectoral allocation of SBI Consumption Opportunities Fund
About 46% of this fund is invested in consumer discretionary sectors—such as automobiles, retail and luxury products. This is followed by 32.78% in consumer staples, and the rest in industrials (8.41%), technology (5.11%) and materials (4.22%).
If you are a long-term investor and believe in India’s growing consumer market, then SBI Consumption Opportunities Fund can prove to be a great option for you. Creating wealth worth Rs 57.5 lakh with a SIP of as little as Rs 1,000 is not a dream – this fund has made it a reality.
Investors must note here that past returns can never be indicative of future performance. Always consult a SEBI-registered financial advisor before making an investment decision.