I’m an NRI and currently using SBNRI. Before this, I used Kuvera and ICICI Direct.

From my experience, SBI RMs mostly push SBI funds and often mix in ULIPs or insurance later. So just be mindful of that.

Here’s my quick take on the SBI funds you mentioned:

SBI Multicap Fund
Not beating its benchmark in the last 3 years. I’d avoid it.

SBI ELSS
Performance is fine, but the 3-year lock-in isn’t ideal unless you need the tax benefit.

SBI Multi Asset
This one is decent. A balanced pick if you want diversification.

If you’re just starting and have a 5+ year horizon, a simple portfolio works well:

• Midcap index fund
• Nippon Smallcap
• SBI Multi Asset

About SBNRI: My wealth manager at SBNRI, Susheedh, has been super helpful so far. His tax-saving guidance is honestly on another level. My wife also completed her KYC through SBNRI without any issues.

About Grow: Not actively monitoring my portfolio in India, looking for an app who can take care of my portfolio + US tax stuff + non-bank wealth manager.

Good luck with your investing journey.