SBI Contra Fund SIP Calculator
Calculate historical returns and project future compounding for SBI Contra. Test different monthly amounts, tenures, and step-up scenarios using real historical NAV performance.
Category
Contra / Value
AUM
₹47,589 Cr
Expense Ratio
0.88%
Fund Manager
Dinesh Balakrishnan & Pradeep Kesavan
SBI Contra Historical SIP Performance & Returns Table
Historical value of standard monthly SIP investments based on actual fund CAGRs.
| Monthly SIP | 3 Years @ 9.8% CAGR | 5 Years @ 14.1% CAGR | 10 Years @ 15.1% CAGR |
|---|---|---|---|
| ₹1,000/mo | ₹42,009 Invested: ₹36,000 | ₹87,469 Invested: ₹60,000 | ₹2,80,727 Invested: ₹1,20,000 |
| ₹2,500/mo | ₹1,05,022 Invested: ₹90,000 | ₹2,18,674 Invested: ₹1,50,000 | ₹7,01,818 Invested: ₹3,00,000 |
| ₹5,000/mo | ₹2,10,043 Invested: ₹1,80,000 | ₹4,37,347 Invested: ₹3,00,000 | ₹14,03,636 Invested: ₹6,00,000 |
| ₹10,000/mo | ₹4,20,087 Invested: ₹3,60,000 | ₹8,74,695 Invested: ₹6,00,000 | ₹28,07,272 Invested: ₹12,00,000 |
| ₹25,000/mo | ₹10,50,217 Invested: ₹9,00,000 | ₹21,86,737 Invested: ₹15,00,000 | ₹70,18,179 Invested: ₹30,00,000 |
* Projections calculated using actual historical 3-year (9.82%), 5-year (14.11%), and 10-year (15.12%) performance data. Actual mutual fund returns fluctuate with market NAV.
About SBI Contra Fund
A contra fund that invests in out-of-favour sectors and companies where the fund manager identifies a turnaround potential. One of the oldest funds in this category in India.
Investment Strategy
Contrarian approach — identifies sectors and companies currently out of favour with the market but with strong fundamentals. Holds positions until market sentiment turns, which may take several years.
Key Facts
- Inception in 1999 — one of India's oldest contra funds
- Contrarian approach provides different return patterns vs growth-oriented funds
- Typically lower overlap with large cap fund portfolios
- Benchmark: Nifty 500 TRI
Historical Returns
3-Year CAGR
9.82%
5-Year CAGR
14.11%
10-Year CAGR
15.12%
Benchmark
Nifty 500 TRI
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
Top Holdings & Sector Allocation
As of September 2026, SBI Contra's portfolio includes:
Top 5 Holdings
- ITC
- NTPC
- Coal India
- Hindustan Zinc
- Vedanta
Sector Allocation
Energy 20%, Materials 18%, Financials 15%, Utilities 12%, Others 35%
Risk & Drawdowns
Moderate-high volatility. Contrarian bets can underperform for 2-3 years before recovering.
Max drawdown -38% in 2008. -28% in March 2020. Recovery can take 2-3 years for contrarian positions.
Tax Treatment
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Who Should NOT Invest in SBI Contra?
Investors who cannot hold through 2-3 year underperformance periods. Growth-oriented investors.
About the Fund Manager
Dinesh Balakrishnan (since 2019) and Pradeep Kesavan (since 2021). Fund has 25+ year track record since 1999.
Who Is This Fund Suitable For?
Suitable for investors who understand and accept contrarian investing principles. Can serve as a satellite holding alongside core large cap or flexi cap funds for portfolio diversification.
More Funds from SBI & Similar Schemes
Similar Funds to Consider
- Kotak India EQ Contra Fund
- UTI Value Opportunities Fund
- ICICI Pru Value Discovery Fund
Or compare side by side using our main SIP calculator — you can test different funds with the same investment amount and dates to see which performed better.
Other Tools for SBI Contra Investors
- FIRE Calculator — Plan your retirement corpus with SBI Contra as part of your portfolio
- Cost of Delay Calculator — See how much delaying your SIP in SBI Contra could cost you
- SIP vs EMI Calculator — Compare investing in SBI Contra vs paying off loans
Frequently Asked Questions About SBI Contra
What is the historical SIP return of SBI Contra?
Based on the latest data, SBI Contra has delivered an annualized return (CAGR) of 9.82% over 3 years, 14.11% over 5 years, and 15.12% over 10 years. Max drawdown -38% in 2008. -28% in March 2020. Recovery can take 2-3 years for contrarian positions.
How is SBI Contra SIP return calculated?
SIP returns are calculated using the XIRR (Extended Internal Rate of Return) method. Each monthly installment buys units at the fund's Net Asset Value (NAV) on that specific day. When markets are down, your SIP buys more units, and when markets are up, it buys fewer units (rupee cost averaging). Our calculator replays this exact process using historical NAV data to compute the precise current value of your accumulated units.
How much return would ₹5,000 monthly SIP in SBI Contra generate over 5 years?
At an estimated annual return rate of 14.11%, a monthly ₹5,000 investment (₹3,00,000 total invested) would grow to approximately ₹4,37,347 in 5 years, yielding an estimated wealth gain of ₹1,37,347. Use our interactive calculator above to test custom amounts with actual historical NAV data.
What are the top holdings in SBI Contra?
SBI Contra's top holdings include ITC, NTPC, Coal India, and Hindustan Zinc. The fund's sector allocation is Energy 20%, Materials 18%, Financials 15%, Utilities 12%, Others 35%.
What is the risk profile of SBI Contra?
Moderate-high volatility. Contrarian bets can underperform for 2-3 years before recovering. This fund may not be suitable for investors who cannot hold through 2-3 year underperformance periods. growth-oriented investors..
What are the tax implications of investing in SBI Contra?
LTCG 12.5% above ₹1.25L/year. STCG 20% if sold within 1 year.
Data last updated: September 2026 | Fund data sourced from AMFI and BSE public APIs
Ready to check SBI Contra returns?
Use our free calculator with real historical NAV data — no sign-up needed.
Open SBI Contra SIP Calculator →