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Reliance Pharma Fund vs SBI Pharma Fund: Which is a Better Investment Option?

Which is better for you: Nippon India Pharma Fund or SBI Healthcare Opportunities Fund?

Your goals won’t wait, begin your SIP today with just Rs. 100 and start building your future

Published July 7, 2025 Sep 25, 2025 · 4 Min Read

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Article 1

Investing in sector-specific mutual fund schemes, particularly in the healthcare and pharmaceutical sectors, can offer significant growth opportunities, but it’s important to choose the right fund based on key metrics such as performance, risk, and cost. Let's dive deeper into a comparison between the Nippon India Pharma Fund - Direct Plan - Growth Plan and the SBI Healthcare Opportunities Fund Direct Growth.

Overview of both funds

The Nippon India Pharma Fund and SBI Healthcare Opportunities Fund are both well-established, having been in existence for over 11 years. These funds primarily invest in companies in the healthcare and pharmaceutical sectors, offering investors exposure to this growing industry. Before moving on to the comparative analysis, here are some highlights of these funds:

  • The SBI Healthcare Opportunities Fund has seen substantial growth, with a 1-year return of 51.2% and a 5-year return of 31.42%. The fund size stands at Rs. 3,202.66 crore with a current NAV of Rs. 476.21 as of September 26, 2024.
  • The Nippon India Pharma Fund has also shown impressive growth with a 1-year return of 48.62% and a 5-year return of 30.25%. It has a larger fund size at Rs. 8,647.95 crore with a current NAV of Rs. 579.49 as of September 27, 2024.

Key takeaways

  • Performance: The two funds have delivered sound performances; however, over the last few years, SBI Healthcare Opportunities Fund has marginally outperformed and can be attractive to long-term investors.
  • Cost of investment: Nippon India Pharma Fund offers a much lower SIP entry price with just Rs. 100 as compared to SBI Healthcare Opportunities Fund at Rs. 500, making it accessible for all small investors.
  • Risk and returns: SBI Healthcare Opportunities Fund shows a better Sharpe and Alpha ratio, meaning more efficient risk-adjusted returns.

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Top 10 holdings

Both funds have diversified investments, with the Nippon India Pharma Fund focusing heavily on pharmaceutical companies such as Sun Pharmaceutical Industries Ltd., which holds the highest weight in the portfolio, followed by Lupin Ltd., Divi's Laboratories Ltd., and Cipla Ltd. Meanwhile, the SBI Healthcare Opportunities Fund also has significant investments in companies like Sun Pharmaceutical Industries Ltd., Divi's Laboratories Ltd., and Max Healthcare Institute Ltd. This overlap indicates their shared focus on leading firms within the healthcare and pharmaceutical sector.

Also read: Section 111A of Income Tax Act

Detailed comparison tables

Basic fund information

Criteria

Nippon India Pharma Fund

SBI Healthcare Opportunities Fund

Category

Equity, Sector - Healthcare

Equity, Sector - Healthcare

Fund Age

11 Years

11 Years

Fund Size

Rs. 8,647.95 Crores

Rs. 3,202.66 Crores

Minimum SIP Investment

Rs. 100

Rs. 500

Minimum Lump sum Investment

Rs. 5,000

Rs. 5,000

Expense Ratio

0.91%

0.89%

Exit Load

1% if redeemed within 1 month

0.50% if redeemed within 15 days

Benchmark Index

S&P BSE Healthcare PR

S&P BSE Healthcare PR

 

Returns Comparison (CAGR %)

Time Period

Nippon India Pharma Fund

SBI Healthcare Opportunities Fund

1 Month

3.12%

5.2%

3 Months

17.81%

18.58%

6 Months

23.35%

24.83%

1 Year

53.62%

53.87%

3 Years

19.85%

22.8%

5 Years

30.62%

31.84%

 

Risk and ratios comparison

Ratio

Nippon India Pharma Fund

SBI Healthcare Opportunities Fund

Sharpe Ratio

0.86

1.02

Alpha

1.55

4.04

Beta

0.92

0.88

Standard Deviation

15.36

14.86

Information Ratio

0.25

0.84

 

Fund management and background

Details

Nippon India Pharma Fund

SBI Healthcare Opportunities Fund

Fund managers

Kinjal Desai, Sailesh Raj Bhan

Tanmaya Desai, Mohit Jain

Launch date

30 June 1995

29 June 1987

Custodian

Deutsche Bank

SBI SG Global Securities Services Pvt. Ltd.

Registrar & Transfer Agent

KFin Tech

Cams


Also read:
Section 56 of Income Tax Act

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Conclusion

If you are considering investing in mutual funds in the health care sector, then both funds offer compelling opportunities. The Nippon India Pharma Fund is good if you are looking for a lower SIP entry, while the SBI Healthcare Opportunities Fund might appeal more to investors who seek a higher return and efficient risk management.

The Bajaj Finserv Mutual Fund Platform allows you to choose from more than 1,000 mutual funds options, Additionally, you can also use the mutual fund calculator on the platform to compare mutual funds.

Frequently asked questions

Which fund offers better long-term returns?

Over a 5-year period, the SBI Healthcare Opportunities Fund has marginally outperformed the Nippon India Pharma Fund with a return of 31.84% compared to 30.62%.

Which fund is more accessible for new investors?

Nippon India Pharma Fund offers a lower SIP investment option at Rs. 100, making it more accessible for those just starting with mutual funds.

Are these funds suitable for long-term investment?

Yes, both funds have demonstrated strong long-term performance and are ideal for investors looking for exposure to the healthcare and pharmaceutical sectors over an extended period.

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Bajaj Finance Limited (“BFL”) is an NBFC offering loans, deposits and third-party wealth management products.

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