COMPARE
HDFC Childrens Fund - Direct Plan vs SBI Children's Fund - Investment Plan - Direct Plan - Growth
HDFC Childrens Fund and SBI Children's Fund - Investment Plan are both in the Children s Fund category, from HDFC Asset Management Company Limited and SBI Funds Management Limited respectively. SBI Children's Fund - Investment Plan has posted a higher 3-year rolling CAGR. HDFC Childrens Fund has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
HDFC Childrens Fund has the lower direct-plan expense ratio, by 0.04 percentage points.
| HDFC Childrens Fund - Direct Plan | SBI Children's Fund - Investment Plan - Direct Plan - Growth | |
|---|---|---|
| Category | Children s Fund | Children s Fund |
| AMC | HDFC Asset Management Company Limited | SBI Funds Management Limited |
| Benchmark | NIFTY 50 Hybrid Composite Debt 65:35 Index TRI | CRISIL Hybrid 35+65 - Aggressive Index |
| NAV | ₹310.806 (2026-10-28) | ₹51.7789 (2026-10-28) |
| AUM | ₹10,172.767 Cr | ₹7,943.968 Cr |
| Expense Ratio (Direct) | 1.04% | 1.08% |
| Inception | 2001-01-25 | 2020-09-08 |
Returns
SBI Children's Fund - Investment Plan leads on 3-year rolling CAGR (24.5% vs HDFC Childrens Fund's 15.6%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
SBI Children's Fund - Investment Plan has been the more volatile of the two by standard deviation.
| HDFC Childrens Fund - Direct Plan | SBI Children's Fund - Investment Plan - Direct Plan - Growth | |
|---|---|---|
| 3Y Sharpe Ratio | -0.01 | 0.91 |
| 3Y Alpha | 0.9552% | 11.0507% |
| 3Y Std Deviation | 9.675% | 12.9418% |
| 3Y Calmar Ratio | 0.56 | 1.19 |
Portfolio Analytics
HDFC Childrens Fund carries the higher portfolio YTM.
| HDFC Childrens Fund - Direct Plan | SBI Children's Fund - Investment Plan - Direct Plan - Growth | |
|---|---|---|
| P/E Ratio | 14.2575 | 29.043 |
| P/B Ratio | - | - |
| Dividend Yield | 1.1394% | 0.6259% |
| Active Share | - | - |
| Portfolio Turnover | 6768.000000000001% | - |
| YTM | 7.06% | 6.5142% |
| Duration (Macaulay) | 4.37 yrs | 0.04 yrs |
Punji Fund Health Score
SBI Children's Fund - Investment Plan has the stronger Punji Quality grade of the two.
Frequently asked questions
Which has a higher 3-year return, HDFC Childrens Fund or SBI Children's Fund - Investment Plan?
SBI Children's Fund - Investment Plan's 3-year rolling CAGR of 24.5% is higher than HDFC Childrens Fund's 15.6%. SBI Children's Fund - Investment Plan sits in the 100th percentile of its category on this metric, versus the 91st percentile for HDFC Childrens Fund - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, HDFC Childrens Fund or SBI Children's Fund - Investment Plan?
HDFC Childrens Fund's direct-plan expense ratio is 0.04 percentage points lower than SBI Children's Fund - Investment Plan's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Which fund carries more risk, HDFC Childrens Fund or SBI Children's Fund - Investment Plan?
By standard deviation (a measure of how much a fund's returns swing around its own average), SBI Children's Fund - Investment Plan has been more volatile than HDFC Childrens Fund over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (-0.01 for HDFC Childrens Fund vs 0.91 for SBI Children's Fund - Investment Plan) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, HDFC Childrens Fund or SBI Children's Fund - Investment Plan?
HDFC Childrens Fund has ₹10,173 Cr in assets under management, versus ₹7,944 Cr for SBI Children's Fund - Investment Plan. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which has a higher yield to maturity (YTM), HDFC Childrens Fund or SBI Children's Fund - Investment Plan?
HDFC Childrens Fund's portfolio YTM (7.06%) is higher than SBI Children's Fund - Investment Plan's. YTM is the weighted-average return a debt fund's current bond holdings would earn if held to maturity, assuming no defaults and coupons reinvested at the same rate - a useful forward-looking yield estimate for debt funds the way rolling CAGR is for equity funds, though it's an estimate based on today's portfolio, not a guaranteed return, and can move as bonds are bought/sold or as interest rates change.
Which has longer duration (more interest-rate sensitivity), HDFC Childrens Fund or SBI Children's Fund - Investment Plan?
HDFC Childrens Fund has the longer Macaulay duration of the two, meaning its NAV is more sensitive to interest-rate changes - a longer-duration debt fund tends to gain more when rates fall and lose more when rates rise, compared to a shorter-duration fund. Duration is expressed in years but isn't literally about how long you hold the fund; it's a measure of price sensitivity to rate moves. If you expect rates to fall, the longer-duration fund benefits more; if you expect rates to rise or want to minimize that swing, the shorter-duration fund is the more conservative pick.
Which fund has a longer track record, HDFC Childrens Fund or SBI Children's Fund - Investment Plan?
HDFC Childrens Fund launched on 2001-01-25, making it older than SBI Children's Fund - Investment Plan (launched 2020-09-08). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.