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Small Cap Fund SEBI Risk: Very High AMC: SBI Mutual Fund

SBI Small Cap Fund - Direct Plan - Growth

Benchmark: BSE 250 SmallCap TRI • Manager: R. Srinivasan • Portfolio Date: 2026-09-30
Composite Health Score
87.4/100
INSTITUTIONAL_ALPHA
⚠️ Fiduciary Surveillance Alerts Triggered (1)
  • AUM Capacity Trap: Small-Cap AUM of ₹31,200 Cr exceeds the ₹25,000 Cr ceiling. Liquidity risk in market selloffs.
🔒 Deep Dive

Look-Through Forensics & Audit Narrative

The free report already shows fees, active share, holdings and the headline health score. The Deep Dive opens up what sits underneath the portfolio.

  • Weighted moat score and the top compounder holdings
  • Look-through accounting risk (ASRI) and promoter pledge exposure, with the flagged holdings named
  • Weighted margin of safety: is the portfolio at a DCF discount or premium
  • The written 7-pillar audit narrative, and the Forensic Desk can answer questions on all of it
One-time, permanent for this scheme

01: Dual-Sleeve Constituent Decomposition

Equity holdings evaluated via Forensic Equity Engine; Debt/bonds evaluated via Credit & Solvency Engine.
Equity: 24.9% (Score: 82.0) Debt: 0.0% (Score: 0.0) Cash / TREPS: 10.8%
Identifier Security Name Type Weight Sector / Rating Engine Score Diagnostic Notes
TREPS Cash & Sovereign Margin CASH_EQUIVALENT 10.8% CASH 100.0 Liquid Cash / Sovereign Collateral
PRINCEPIPE ↗ Prince Pipes and Fittings EQUITY 3.9% Building Products 82.0 Verified 7-Pillar Equity Dossier Available
WENDT ↗ Wendt India Ltd EQUITY 3.6% Industrial Machinery 82.0 Verified 7-Pillar Equity Dossier Available
ELECON ↗ Elecon Engineering Ltd EQUITY 3.4% Heavy Electricals 82.0 Verified 7-Pillar Equity Dossier Available
NEULANDLAB ↗ Neuland Laboratories Ltd EQUITY 3.2% Pharma Active Ingredients 82.0 Verified 7-Pillar Equity Dossier Available
DYNAMATECH ↗ Dynamatic Technologies EQUITY 3.1% Aerospace & Defense 82.0 Verified 7-Pillar Equity Dossier Available
GENSOL ↗ Gensol Engineering Ltd EQUITY 2.8% Clean Energy EPC 82.0 Verified 7-Pillar Equity Dossier Available
INOXGREEN ↗ Inox Green Energy Services EQUITY 2.5% Renewable Power 82.0 Verified 7-Pillar Equity Dossier Available
SUPRAJIT ↗ Suprajit Engineering Ltd EQUITY 2.4% Auto Ancillary 82.0 Verified 7-Pillar Equity Dossier Available

02: True Diversification & Active Share

Exposing Closet Indexing: Active Share AS = 0.5 × ∑|w_fund - w_bench|
Active Share Score
84.5%
TRUE_ACTIVE_ALPHA

High Active Share: Portfolio significantly deviates from the passive benchmark, justified active fee.

Top 10 Holdings Concentration: 35.7%

03 & 04: Risk-Adjusted Alpha & Downside Capture

Evaluating asymmetrical compounding: Downside Capture Ratio vs Upside Capture Ratio.
Sortino Ratio
2.38
Downside Risk Only
Downside Capture
59.0%
Benchmark: ≤ 75%
Capture Spread
+43.5%
UCR (102.5%) - DCR
Hurst Exponent (H)
0.72
Persistent Momentum
3-Year Rolling Return Consistency: 91.0% of windows

05: Intermediary Fee Drag & Wealth Destruction

Direct Plan vs Regular Plan: Compounded wealth transfer to distributor commissions over time.
Annual Distributor Commission Drag
86.0 bps / yr (1.58% - 0.72%)
Time Horizon Direct Plan Value (Net) Regular Plan Value (Net) Cumulative Wealth Lost Percentage Corpus Destroyed
5 Years ₹1,706,419 ₹1,641,492 -₹64,927 3.8%
10 Years ₹2,911,865 ₹2,694,495 -₹217,369 7.5%
15 Years ₹4,968,860 ₹4,422,992 -₹545,868 11.0%
20 Years ₹8,478,955 ₹7,260,305 -₹1,218,650 14.4%

💡 Fiduciary Takeaway: A ₹10.0 Lakh investment loses ₹217,369 over 10 years purely to distributor commissions in the Regular plan.

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