The BEST Investment Plan for Your Child's Future SBI Magnum Children's Benefit Fund

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In this video, we take a detailed look at SBI Magnum Children’s Benefit Fund, a mutual fund scheme designed especially for parents who want to build a disciplined, long-term investment corpus for their child’s future—whether it’s higher education, professional studies, or marriage.

I’m Priya and you’re watching ZFunds.

What is SBI Magnum Children’s Benefit Fund?

First, let’s clear a common confusion.
This is not a ULIP, not an insurance plan, and not an “investment-cum-insurance” product.
It is a pure mutual fund scheme, structured specifically with children-centric goals in mind.

In India, there are very few child-focused mutual funds. While a few AMCs like Tata and HDFC offer similar options, SBI Magnum Children’s Benefit Fund is one of the most popular and widely used schemes in this category.

Purpose of the Fund

This fund is designed for parents who want:

Long-term, goal-based investing for their child

Reduced financial pressure in the future

Disciplined savings without emotional, short-term decisions

Lock-in Period Explained

The fund has a lock-in of 5 years or until the child turns 18 years of age, whichever is earlier.
While many investors see lock-in as a negative, for child-related goals it actually works as a discipline tool, preventing panic withdrawals during market corrections.

Compared to insurance investment plans that often have 10–20 year lock-ins, this fund offers relatively better flexibility.

Key Fund Details

Fund Name: SBI Magnum Children’s Benefit Fund – Investment Plan

Category: Hybrid Fund (Equity + Debt)

Expense Ratio: ~0.82%

AUM: ₹5,053 crore

Minimum SIP: ₹500

Minimum Lump Sum: ₹5,000

Risk Level: Very High (due to higher equity exposure)

Performance & Returns

Short-term performance can fluctuate, which is normal for equity-heavy hybrid funds.
However, the fund’s long-term performance has been strong, consistently outperforming its category average over 3-year and 5-year periods. This makes it more suitable for long-term child-related goals rather than short-term investing.

Exit Load Structure

Within 1 year: 3%

After 1 year but within 2 years: 2%

After 2 years but within 3 years: 1%

After 3 years: No exit load

Once the lock-in period ends, exit load rules apply as per the above structure.

Portfolio Overview

Large Cap: ~17%

Mid Cap: ~11%

Small Cap: ~47%

Cash & Cash Equivalents: ~20%

Foreign Equity: ~3%

Total Stocks: 35 (focused portfolio)

Sector Allocation

The fund is diversified across multiple sectors such as Financials, Consumer Discretionary, Consumer Staples, Industrials, Energy, Materials, Technology, and others—helping it manage market volatility better.

Important Note

This fund may not appear easily on some investment apps because it is a children-specific scheme.
For complete and accurate details, always refer to the official SBI Mutual Fund website.

Who Should Consider This Fund?

Parents planning long-term investments for their child

Investors who value discipline over short-term market noise

Those comfortable with high equity exposure and volatility

Always understand your risk profile and financial goals before investing.


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⚠️ Disclaimer: Investing involves risk, and past performance is not indicative of future results. Please seek professional financial advice before making any investment decisions. This video is for informational purposes only.
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