Investing in mutual funds is one of the smartest ways to grow your money over time. If you’ve been researching mutual funds, you may have come across the term mutf_in: sbi_mult_reg_12tgkd2. This is the code for a specific mutual fund — SBI Multicap Fund – Regular Plan – Growth Option. In this article, we’ll explain what this fund is, how it works, and whether it’s a good choice for your investment goals.
What is mutf_in: sbi_mult_reg_12tgkd2?
It is a unique identifier used on platforms like Google Finance or Moneycontrol to track a particular mutual fund. It refers to the SBI Multicap Fund Regular Growth Plan, which is offered by SBI Mutual Fund, one of India’s largest asset management companies.
This fund is a multi-cap equity mutual fund. That means it invests in large-cap, mid-cap, and small-cap companies across different sectors. The goal is to offer long-term capital growth by balancing risk and return across the market.
Why Do People Search for mutf_in: sbi_mult_reg_12tgkd2?
People look up it when they want detailed information about this fund, including:
- NAV (Net Asset Value)
- Fund performance
- Portfolio breakdown
- Historical returns
- Risk level
- Investment objective
These details help investors decide whether they should invest in this specific mutual fund or look for other options.
Fund Overview
Let’s take a closer look at what makes it different from other mutual funds.
- Fund Name: SBI Multicap Fund – Regular Plan – Growth
- Fund House: SBI Mutual Fund
- Launch Date: March 8, 2022
- Category: Multi-cap equity
- Benchmark: Nifty 500 Multicap 50:25:25 TRI
- Minimum Investment: ₹5,000 (lump sum) or ₹500 (SIP)
- Exit Load: 1% if redeemed within 1 year
- Expense Ratio: Around 1.68% (subject to change)
This fund aims to create wealth over the long term. It does this by investing in a mix of high-quality companies from different sectors and of different sizes.
Asset Allocation of mutf_in: sbi_mult_reg_12tgkd2
The fund managers behind it carefully select stocks from all three market caps:
- Large Cap Stocks: Stable companies with a large market presence
- Mid Cap Stocks: Growing companies with potential for higher returns
- Small Cap Stocks: Riskier companies, but can give high returns if they perform well
Sample Asset Allocation:
- Large Cap: 37.15%
- Mid Cap: 13.9%
- Small Cap: 9.3%
- Others (cash, debt): 31.6%
This mix helps reduce the overall risk while aiming for attractive returns.
Top Holdings in mutf_in: sbi_mult_reg_12tgkd2
As of the latest data, the top holdings in mutf_in: sbi_mult_reg_12tgkd2 include:
- Kotak Mahindra Bank
- HDFC Bank
- ICICI Bank
- Jubilant Foodworks
- K.P.R. Mill Ltd.
These companies are well-established and known for delivering steady performance over time.
Sector Allocation
The SBI Multicap Fund represented by mutf_in: sbi_mult_reg_12tgkd2 spreads its investments across many industries:
- Banking and Financial Services
- Textiles
- Consumer Goods
- IT Services
- Pharmaceuticals
This broad exposure helps protect investors from sector-specific risks.
NAV Performance
NAV or Net Asset Value shows the per-unit value of a mutual fund. The current NAV of mutf_in: sbi_mult_reg_12tgkd2 is around ₹16.57 (as of May 30, 2025).
Since launch, the fund has shown healthy returns of nearly 17%, depending on the market conditions. For a new fund, this is a promising performance.
Should You Invest in mutf_in: sbi_mult_reg_12tgkd2?
That depends on your goals. Here are a few things to consider:
You Should Invest If:
- You want long-term wealth creation
- You are comfortable with high-risk, high-return investments
- You are planning to stay invested for 5+ years
- You want exposure to a variety of companies across sectors
You Should Reconsider If:
- You want guaranteed returns
- You need your money in the short term (less than 1 year)
- You are not comfortable with market ups and downs
How Does SIP Work with mutf_in: sbi_mult_reg_12tgkd2?
A Systematic Investment Plan (SIP) is a great way to invest in it. SIP allows you to invest a fixed amount every month, like ₹500 or ₹1,000.
Benefits of SIP:
- Lowers investment risk with rupee cost averaging
- Builds a habit of regular saving
- Great for first-time investors
mutf_in: sbi_mult_reg_12tgkd2 vs Other Multicap Funds
There are many multi-cap mutual funds in India. So how does mutf_in: sbi_mult_reg_12tgkd2 compare?
| Feature | mutf_in: sbi_mult_reg_12tgkd2 | Other Multi-cap Funds |
| Fund House Reputation | Very High | Varies |
| Diversification | High | Medium to High |
| Expense Ratio | 1.68% | ~1.5% – 2.5% |
| Portfolio Size | Moderate | Small to Large |
| Risk | Very High | High |
SBI Mutual Fund is one of the most trusted names, which gives mutf_in: sbi_mult_reg_12tgkd2 an advantage.
Tax Benefits and Considerations
Returns from mutf_in: sbi_mult_reg_12tgkd2 are taxed like other equity mutual funds:
- Short-Term Capital Gain (less than 1 year): 15%
- Long-Term Capital Gain (more than 1 year): 10% after ₹1 lakh
There are no tax deductions (like ELSS), but the long-term capital growth may make up for it.
Real Investor Stories: Why People Choose mutf_in: sbi_mult_reg_12tgkd2
Many young investors are choosing it because they want growth without putting all their money in one type of company. The mix of large, mid, and small-cap stocks gives them peace of mind and growth potential.
“I started a ₹1,000 SIP in mutf_in: sbi_mult_reg_12tgkd2 last year. Even though the markets were up and down, my investments are now up 14%. I’m glad I trusted this fund,” says Ankur, a 28-year-old software engineer from Bangalore.
Expert Tips for Investing in mutf_in: sbi_mult_reg_12tgkd2
- Invest early and stay long: The longer you stay invested, the more compounding works in your favor.
- Use SIP: Regular investment beats lump sum timing.
- Review every 6 months: Check the fund performance and rebalance if needed.
- Avoid panic-selling: The market goes up and down — that’s normal.
- Don’t invest blindly: Understand why you’re investing and match it to your goals.
Frequently Asked Questions
What is mutf_in: sbi_mult_reg_12tgkd2?
It is the unique code for SBI Multicap Fund – Regular Plan – Growth Option, used on platforms like Google Finance or Moneycontrol to track this mutual fund.
Is mutf_in: sbi_mult_reg_12tgkd2 a good investment for beginners?
Yes, it can be a good choice for beginners seeking long-term growth through diversified equity investments across large, mid, and small-cap stocks.
What type of mutual fund is mutf_in: sbi_mult_reg_12tgkd2?
It is a multi-cap equity mutual fund that invests across different market capitalizations and sectors.
What is the minimum investment required in mutf_in: sbi_mult_reg_12tgkd2?
The minimum lump sum investment is ₹5,000, and for SIP (Systematic Investment Plan), it’s ₹500 per installment.
What is the current NAV of mutf_in: sbi_mult_reg_12tgkd2?
As of May 30, 2025, the NAV is approximately ₹16.57. However, it changes daily based on market performance.
How risky is mutf_in: sbi_mult_reg_12tgkd2?
It is a high-risk fund due to its exposure to equities, especially in mid and small-cap companies. Suitable for investors with a higher risk appetite.
Can I do SIP in mutf_in: sbi_mult_reg_12tgkd2?
Yes, you can start an SIP with just ₹500 per month and invest regularly for long-term growth.
What is the exit load for mutf_in: sbi_mult_reg_12tgkd2?
There is an exit load of 1% if the investment is redeemed within 1 year of the purchase date.
Who manages mutf_in: sbi_mult_reg_12tgkd2?
This fund is managed by experienced fund managers from SBI Mutual Fund, which is one of India’s top AMCs.
Is mutf_in: sbi_mult_reg_12tgkd2 suitable for long-term investment?
Yes, it is designed for long-term capital appreciation and works best when held for 5 years or more.
Final Thoughts
In today’s ever-changing market, having a fund like mutf_in: sbi_mult_reg_12tgkd2 in your portfolio can bring balance, growth, and professional management. This SBI Multicap Fund lets you invest in big companies and growing businesses at the same time.
Whether you’re a first-time investor or someone adding diversity to your portfolio, it is worth considering — especially if you’re aiming for long-term capital growth.
Remember, every investment comes with risk. But with proper planning and patience,it can help you on your financial journey.