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HYBRID SCHEMES

These schemes invest in a mixture of debt and equity securities in different proportions as
prescribed in the Scheme Information Document.

1. SBI MAGNUM BALANCED FUND

Highlights
This Fund invests in a mix of equity and debt investments. It provides a good investment
opportunity to investors who do not wish to be completely exposed to equity markets, but are
looking for relatively higher returns than those provided by debt funds

Investment Objective
To provide investors long term capital appreciation along with the liquidity of an open-ended
scheme by investing in a mix of debt and equity. The scheme will invest in a diversified portfolio
of equities of high growth companies and balance the risk through investing the rest in a
relatively safe portfolio of debt.

Key Benefit
SBI Magnum Balanced Fund invests in a equities across market capitalization money market
instruments.

Min/Additional Investment Amount
Minimum Investment: Rs.5000
Additional Investment: Rs. 1000

This product is suitable for investors who are seeking*:
Long term investment
Investment in a mix of debt and equity through stocks of high growth companies and relatively
safe portfolio of debt to provide both long term capital appreciation and liquidity.
High risk.
2. SBI REGULAR SAVINGS PLAN


Highlights
The portfolio switches actively among government securities and corporate debt and in a limited
way in to money market instruments depending on the market conditions. SBI Regular Savings
Fund invests the equity portion in BSE-100 stocks and aims to optimised returns through a well-
diversified portfolio along with strictly defined internal guidelines.

Investment Objective
The investment objective of the scheme will be to provide attractive returns to the Magnum
holders / Unit holders either through periodic dividends or through capital appreciation through
an actively managed portfolio of debt, equity and money market instruments.

Key Benefit
BI Regular Savings Fund fits in nicely between a bond fund and a balanced fund. SBI Regular
Savings Fund has the advantage of choosing among G Sec, corporate and money market
instruments while the flexibility to invest 20% of the portfolio in equity provides a booster to the
portfolio returns.

Min/Additional Investment Amount
Minimum Investment: Rs.5000
Additional Investment: Rs. 1000

This product is suitable for investors who are seeking*:
Long term capital appreciation and current income
Investment in equity and equity related instruments as well as fixed income securities (debt and
money market securities).
Medium risk.
3. SBI MAGNUM MONTHLY INCOME PLAN
(An Open-ended Income Scheme)


Highlights
SBI Magnum Monthly Income Plan (SBI MMIP) invests in government securities, corporate
debt and money market instruments as well as a small portion in equity. The equity portion is
invested across market stocks.

Investment Objective
The objective of the scheme will be to provide regular income, liquidity and attractive returns to
the investors through an actively managed portfolio of debt, equity and money market
instruments.

Key Benefit
SBI Magnum Monthly Income Plan (SBI MMIP) fits in nicely between a bond fund and a
balanced fund. SBI MMIP has the advantage of choosing among sovereign, corporate and money
market instruments while the flexibility to invest upto 15% of the portfolio in equity.

Min/Additional Investment Amount
Minimum Investment: Rs.5000
Additional Investment: Rs.1000

This product is suitable for investors who are seeking*:
Long term capital appreciation and current income
Investment in equity and equity related instruments as well as fixed income securities (debt and
money market securities).
Medium risk.



4. SBI MAGNUM MONTHLY INCOME PLAN - FLOTER
(An Open-ended Debt Scheme)

Highlights
SBI Magnum Monthly Income Plan (SBI MMIP) - Floater endeavours to provide income by
investing in floating rate securities, money market instruments and fixed rate debt securities. SBI
Magnum Monthly Income Plan (SBI MMIP) - Floater invests the equity portion across market
capitalisation.

Investment Objective
To provide regular income, liquidity and attractive returns to investors in addition to mitigating
the impact of interest rate risk through an actively managed portfolio of floating rate and fixed
rate debt instruments, equity, money market instruments and derivatives.

Key Benefit
BI Magnum Monthly Income Plan (SBI MMIP) - Floater has the advantage of choosing
among Government Securities, corporate bond and money market instruments while the
flexibility to invest upto 15% of the portfolio in equity provides a booster to the portfolio returns.

Min/Additional Investment Amount
Minimum Investment: Rs.5000
Additional Investment: Rs. 1000

This product is suitable for investors who are seeking*:
Long term capital appreciation and current income.
Investment in equity and equity related instruments as well as fixed income securities (debt and
money market securities).
Medium risk.



5. SBI CAPITAL PROTECTION ORIENTED FUND - SERIES I

Highlights
To provide regular income, liquidity and returns to the investors through investments in a
portfolio comprising of debt instruments such as Government Securities, PSU & Corporate
Bonds and Money Market Instruments maturing on or before the maturity of the scheme.

Min/Additional Investment Amount
Minimum Investment: Rs.5000 in multiples of Rs. 1/-

6. SBI CAPITAL PROTECTION ORIENTED FUND SERIES II

Highlights
SCPOF is a Fund whose structure endeavors to protect the capital invested on schemes
maturity
At the same time allows investors to benefit from equity exposure
Structure of the fund protects the capital while performance of Debt and Equity market
determines the returns

Investment Objective
The primary objective of the scheme is to protect the capital invested (face value of Rs. 10 per
unit) on maturity of the scheme through focused investments in equity debt and money market
instruments at the same time also seeking to provide investors with opportunities for long-term
growth in capital.

Min/Additional Investment Amount
Minimum Investment: Rs.5000 in multiples of Rs. 1/-





LIQUID SCHEMES

The strategy for liquid funds include investments in short investment horizon, which includes
'cash' assets such as treasury bills, certificates of deposit and commercial paper.

1. SBI MAGNUM INSTA CASH FUND
(An Open-ended Liquid Fund)



Highlights
SBI Magnum InstaCash Fund is a liquid Category fund and the scheme investments would be
made in securities with a residual maturity less than or equal to 91 days.

Investment Objective
To provide the investors an investment opportunity to earn returns through investment in debt &
money market securities, while having the benefit of a very high degree of liquidity.

Min/Additional Investment Amount
Minimum Investment: Rs. 10,000/-
Additional Investment: Rs. 500/-

This product is suitable for investors who are seeking*:
Regular income for short term
Investment in Debt and Money Market securities
Low risk.










2. SBI MAGNUM INSTA CASH FUND - LIQUID FLOATER
(An Open-ended Liquid Fund)



Highlights
SBI Magnum InstaCash Fund - Liquid Floater Fund (SBI MICF- LFP) is a open ended liquid
scheme and the investments would be made in securities with maturity less than or equal to 91
days. The investments in the scheme would be made only in debt/ money market securities.

Investment Objective
To mitigate interest rate risk and generate opportunities for regular income through a portfolio
investing predominantly in floating rate securities and money market instruments.

Min/Additional Investment Amount
Minimum Investment: Rs. 5,000/-
Additional Investment: Rs. 10000/-

This product is suitable for investors who are seeking*:
Regular income for short term
Investment in Debt and Money Market securities
Low risk.








3. SBI PREMIER LIQUID FUND
(An Open-ended Liquid Fund)


Highlights
SBI Premier Liquid Fund (SPLF) is a liquid fund and the scheme investments would be made in
securities with maturity less than or equal to 91 days. The investments in the scheme would be
made only in debt/ money market securities.

Investment Objective
To provide attractive returns to the Magnum holders either through periodic dividends or through
capital appreciation through an actively managed portfolio of debt and money market
instruments.

Key Benefit
SBI Premier Liquid Fund (SPLF) would seek to generate returns with minimal volatility and
provide investors with a high degree of liquidity.

Min/Additional Investment Amount
Minimum Investment: Rs. 50000/-and in multiple of Rs. 1 thereafter
Additional Investment: Rs. 10000/-and in multiple of Rs. 1 thereafter

This product is suitable for investors who are seeking*:
regular income for short term
Investment in Debt and Money Market securities.
Low risk





FUND OF FUNDS SCHEMES

A "Fund of Funds Scheme" means a mutual fund scheme that invests primarily in other schemes
of the same mutual fund or other mutual funds.

SBI GOLD FUND

The scheme will predominantly invest in units of SBI GETS which is registered with SEBI and /
or permitted by SEBI from time to time. The investments could be made either directly with the
underlying fund or through the secondary market. The scheme will also invest in money market
instruments. The investment strategy would largely be active in nature. The AMC shall endeavor
that the returns of SBI Gold Fund will replicate the returns generated by the underlying ETF.

Investment Objective
The investment objective of the Scheme is to seek to provide returns that closely correspond to
returns provided by SBI Gold Exchange Traded Scheme (SBI GETS).

Key Benefit
No need to hold or open a DEMAT account.
Liquidity.
Cost Effective.
Assured Purity & Security.
Systematic Investment Plan (SIP) available.

Min/Additional Investment Amount
Minimum Investment: Rs. 5000 & in multiples of Rs. 1 thereafter.
Additional Investment: Rs. 1000 & in multiples of Rs. 1 thereafter.

This product is suitable for investors who are seeking*:
Long term capital growth
Investments in SBI Gold Exchange Traded Scheme and High risk.
EXCHANGE TRADED SCHEMES

Exchange Traded Funds/ Schemes (ETFs) are a basket of securities that are traded on the stock
exchange.

1. SBI GOLD EXCHANGE TRADED SCHEME


The scheme invests in gold and gold bullion. The main endeavor of the scheme is to track price
of the gold. Units of the scheme can be bought or sold through the National Stock Exchange, just
like a stock.

Investment Objective
The investment objective of the fund is to seek to provide returns that closely correspond to
returns provided by price of gold through investment in physical Gold. However the performance
of the scheme may differ from that of the underlying asset due to tracking error.

Key Benefit
The investment objective of the fund is to seek to provide returns that closely correspond to
returns provided by price of gold through investment in physical Gold.

This product is suitable for investors who are seeking*:
It is ideal for investors who would like to invest in Gold but doesnt like the hassles and costs of
storing and safeguarding physical gold. As the unit price would closely resemble price of gold in
the market an investor can easily encash his holding by selling his units on the stock exchange.
Thus the fund offers an ideal way to invest in Gold and Gold bullion.



2. SBI SENSEX ETF

SBI Sensex ETF is an exchange traded fund that has a passive investment strategy. The
investments objective of the scheme is to provide returns that, before expenses, closely
correspond to the total returns of the securities as represented bt BSE SENSEX by holding BSE
SENSEX sticks in same proportion. However, the performance of the scheme may differ from
that of the underlying index due to tracking error. This scheme is eligible under Rajiv Gandhi
Equity Savings Scheme (RGESS) for tax deduction under section 80CCG as announced in the
Union Budget 2012-13.

Key Benefit
Low cost SBI SENSEX ETF is with low expense ratio compared to the open ended mutual
fund schemes.
Provides Efficient diversification The companies are spread across wide spectrum of sectors
and are beneficial for an investor who is interested in building in a well diversified investment
portfolio. Also these companies are core to the India Growth story.
Easy to invest and sell Investors wishing to invest & sell can do so anytime during the
market hours as SBI SENSEX ETF is listed on the stock exchange.
RGESS eligible scheme - Investment in SBI SENSEX ETF is eligible for tax benefits under
RGESS (Section 80CCG of the Income tax Act) for eligible investors.

This product is suitable for investors who are seeking*:
First time investors
Investors who have a view on the stock market
Other retail investors for passive asset allocation
RGESS eligible investors.