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10 Best Debt Funds by SBI Mutual Fund for 2025 | Fincash.com

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10 Best Debt Funds by SBI Mutual Fund 2025

Updated on May 15, 2025 , 47814 views

Debt fund by SBI Mutual Fund aims to generate regular Income over short to mid term. These funds are invested in debt/Market money instruments. Debt funds are a good option to earn good returns over a short period of time.

Investors who want to invest for a couple of days to a month, Liquid Funds and ultra-short term debt funds may be relevant. One who wants to invest for a year or two can invest in short-term funds. And for longer duration like for more than 3 years, long-term debt funds can be the suited one, with some risk involved in it.

SBI Mutual Fund offers some of the top performing debt funds in India. Best SBI schemes have been undertaken by their past performances, AUM, etc. Investors who wish to invest can invest in these funds and generate steady income by taking advantage of the debt markets.

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  • NRI Investment: The company also allows NRIs to invest in its Mutual Funds.

Best SBI Performing Debt Mutual Funds

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2024 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
SBI Magnum Constant Maturity Fund Growth ₹64.2873
↑ 0.06
₹1,8314.97.111.999.16.74%6Y 9M 22D9Y 9M 29D
SBI Magnum Gilt Fund Growth ₹67.1141
↑ 0.12
₹11,48956.811.298.96.97%10Y 2M 1D24Y 14D
SBI Dynamic Bond Fund Growth ₹36.0657
↑ 0.08
₹3,4104.56.110.58.58.67.22%8Y 5M 5D17Y 2M 5D
SBI Magnum Income Fund Growth ₹71.069
↑ 0.08
₹1,91845.710.28.28.17.42%6Y 2M 26D10Y 6M 14D
SBI Magnum Medium Duration Fund Growth ₹51.139
↑ 0.05
₹6,4813.55.49.788.17.76%3Y 9M 22D5Y 6M
SBI Banking and PSU Fund Growth ₹3,113.44
↑ 4.70
₹3,8353.65.39.57.37.77.28%3Y 10M 10D5Y 4M 24D
SBI Short Term Debt Fund Growth ₹32.0418
↑ 0.04
₹13,9593.45.39.47.47.77.33%2Y 9M 11D3Y 10M 20D
SBI Credit Risk Fund Growth ₹45.3187
↑ 0.04
₹2,2552.84.89.288.18.51%2Y 2M 12D3Y 14D
SBI Magnum Low Duration Fund Growth ₹3,469.82
↑ 2.02
₹14,3922.447.86.97.37.43%11M 1D1Y 5M 5D
SBI Savings Fund Growth ₹41.1636
↑ 0.02
₹24,0032.347.66.97.37.3%9M9M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 16 May 25

1. SBI Magnum Constant Maturity Fund

(Erstwhile SBI Magnum Gilt Fund Short Term)

To provide the investors with the returns generated through investments in government securities issued by the Central Govt. and State Govt.

SBI Magnum Constant Maturity Fund is a Debt - 10 Yr Govt Bond fund was launched on 30 Dec 00. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.9% since its launch.  Ranked 1 in 10 Yr Govt Bond category.  Return for 2024 was 9.1% , 2023 was 7.5% and 2022 was 1.3% .

Below is the key information for SBI Magnum Constant Maturity Fund

SBI Magnum Constant Maturity Fund
Growth
Launch Date 30 Dec 00
NAV (16 May 25) ₹64.2873 ↑ 0.06   (0.10 %)
Net Assets (Cr) ₹1,831 on 31 Mar 25
Category Debt - 10 Yr Govt Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderately Low
Expense Ratio 0.64
Sharpe Ratio 1
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.74%
Effective Maturity 9 Years 9 Months 29 Days
Modified Duration 6 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,537
30 Apr 22₹10,648
30 Apr 23₹11,378
30 Apr 24₹12,074
30 Apr 25₹13,555

SBI Magnum Constant Maturity Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI Magnum Constant Maturity Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 1.3%
3 Month 4.9%
6 Month 7.1%
1 Year 11.9%
3 Year 9%
5 Year 6.2%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 9.1%
2023 7.5%
2022 1.3%
2021 2.4%
2020 11.6%
2019 11.9%
2018 9.9%
2017 6.2%
2016 12.8%
2015 9.1%
Fund Manager information for SBI Magnum Constant Maturity Fund
NameSinceTenure
Rajeev Radhakrishnan1 Nov 231.5 Yr.
Tejas Soman1 Dec 231.41 Yr.

Data below for SBI Magnum Constant Maturity Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash1.77%
Debt98.23%
Debt Sector Allocation
SectorValue
Government98.23%
Cash Equivalent1.77%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
72%₹1,354 Cr129,000,000
7.18% Govt Stock 2037
Sovereign Bonds | -
26%₹499 Cr47,000,000
↑ 1,500,000
Treps
CBLO/Reverse Repo | -
1%₹21 Cr
Net Receivable / Payable
CBLO | -
1%₹13 Cr

2. SBI Magnum Gilt Fund

(Erstwhile SBI Magnum Gilt Fund - Long Term Plan)

To provide the investors with returns generated through investments in government securities issued by the Central Government and / or a State Government

SBI Magnum Gilt Fund is a Debt - Government Bond fund was launched on 30 Dec 00. It is a fund with Moderate risk and has given a CAGR/Annualized return of 8.1% since its launch.  Ranked 3 in Government Bond category.  Return for 2024 was 8.9% , 2023 was 7.6% and 2022 was 4.2% .

Below is the key information for SBI Magnum Gilt Fund

SBI Magnum Gilt Fund
Growth
Launch Date 30 Dec 00
NAV (16 May 25) ₹67.1141 ↑ 0.12   (0.19 %)
Net Assets (Cr) ₹11,489 on 31 Mar 25
Category Debt - Government Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 0.94
Sharpe Ratio 0.61
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 6.97%
Effective Maturity 24 Years 14 Days
Modified Duration 10 Years 2 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,621
30 Apr 22₹10,905
30 Apr 23₹11,719
30 Apr 24₹12,487
30 Apr 25₹13,992

SBI Magnum Gilt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI Magnum Gilt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 1.4%
3 Month 5%
6 Month 6.8%
1 Year 11.2%
3 Year 9%
5 Year 6.8%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.9%
2023 7.6%
2022 4.2%
2021 3%
2020 11.7%
2019 13.1%
2018 5.1%
2017 3.9%
2016 16.3%
2015 7.3%
Fund Manager information for SBI Magnum Gilt Fund
NameSinceTenure
Rajeev Radhakrishnan1 Nov 231.5 Yr.
Tejas Soman1 Dec 231.41 Yr.

Data below for SBI Magnum Gilt Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash0.94%
Debt99.06%
Debt Sector Allocation
SectorValue
Government99.06%
Cash Equivalent0.94%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
39%₹4,674 Cr436,000,000
↑ 40,500,000
6.79% Govt Stock 2034
Sovereign Bonds | -
25%₹3,012 Cr292,327,500
↓ -46,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
9%₹1,129 Cr106,000,000
7.14% Maharashtra SDL 2039
Sovereign Bonds | -
5%₹615 Cr59,500,000
↓ -18,500,000
6.9% Govt Stock 2065
Sovereign Bonds | -
5%₹558 Cr55,000,000
↑ 13,500,000
7.12% Maharashtra SDL 2038
Sovereign Bonds | -
4%₹533 Cr51,706,900
↑ 1,000,000
8.17% Govt Stock 2044
Sovereign Bonds | -
4%₹466 Cr40,000,000
↑ 40,000,000
7.17% State Government Securities
Sovereign Bonds | -
3%₹306 Cr29,810,700
7.13% State Government Of Karnataka 2041
Sovereign Bonds | -
2%₹254 Cr24,548,600
07.36 MH Sdl 21/02/2035
Sovereign Bonds | -
1%₹132 Cr12,500,000

3. SBI Dynamic Bond Fund

To actively manage a portfolio of good quality debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders.

SBI Dynamic Bond Fund is a Debt - Dynamic Bond fund was launched on 9 Feb 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of since its launch.  Ranked 5 in Dynamic Bond category.  Return for 2024 was 8.6% , 2023 was 7.1% and 2022 was 4.2% .

Below is the key information for SBI Dynamic Bond Fund

SBI Dynamic Bond Fund
Growth
Launch Date 9 Feb 04
NAV (16 May 25) ₹36.0657 ↑ 0.08   (0.21 %)
Net Assets (Cr) ₹3,410 on 31 Mar 25
Category Debt - Dynamic Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.48
Sharpe Ratio 0.44
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Months (0.25%),1 Months and above(NIL)
Yield to Maturity 7.22%
Effective Maturity 17 Years 2 Months 5 Days
Modified Duration 8 Years 5 Months 5 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,523
30 Apr 22₹10,748
30 Apr 23₹11,524
30 Apr 24₹12,231
30 Apr 25₹13,610

SBI Dynamic Bond Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI Dynamic Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 1.3%
3 Month 4.5%
6 Month 6.1%
1 Year 10.5%
3 Year 8.5%
5 Year 6.3%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.6%
2023 7.1%
2022 4.2%
2021 2%
2020 10.4%
2019 12.7%
2018 5.1%
2017 3.9%
2016 15.3%
2015 5.8%
Fund Manager information for SBI Dynamic Bond Fund
NameSinceTenure
Rajeev Radhakrishnan1 Nov 231.5 Yr.
Tejas Soman31 Dec 231.33 Yr.
Pradeep Kesavan31 Dec 231.33 Yr.

Data below for SBI Dynamic Bond Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash1.65%
Debt98.08%
Other0.26%
Debt Sector Allocation
SectorValue
Government74.08%
Corporate24.01%
Cash Equivalent1.65%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
17%₹606 Cr56,500,000
6.9% Govt Stock 2065
Sovereign Bonds | -
9%₹330 Cr32,500,000
↑ 1,000,000
8.83% Govt Stock 2041
Sovereign Bonds | -
7%₹244 Cr20,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
7%₹232 Cr22,500,000
↓ -19,500,000
7.3% Govt Stock 2053
Sovereign Bonds | -
6%₹197 Cr18,500,000
6.92% Govt Stock 2039
Sovereign Bonds | -
5%₹183 Cr17,500,000
↑ 2,500,000
Reliance Jio Infratel Private Limited
Debentures | -
5%₹159 Cr1,500
7.4% Power Finance Corporation Limited**
Debentures | -
4%₹155 Cr15,000
7.58% LIC Housing Finance Limited (23/03/2035)
Debentures | -
4%₹154 Cr15,000
Power Grid Corporation of India Ltd.
Domestic Bonds | -
4%₹150 Cr15,000
↑ 15,000

4. SBI Magnum Income Fund

To provide the investors an opportunity to earn, in accordance with their requirements, through capital gains or through regular dividends, returns that would be higher than the returns offered by comparable investment avenues through investment in debt & money market securities.

SBI Magnum Income Fund is a Debt - Medium to Long term fund was launched on 25 Nov 98. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.7% since its launch.  Ranked 6 in Medium to Long term category.  Return for 2024 was 8.1% , 2023 was 7.2% and 2022 was 3% .

Below is the key information for SBI Magnum Income Fund

SBI Magnum Income Fund
Growth
Launch Date 25 Nov 98
NAV (16 May 25) ₹71.069 ↑ 0.08   (0.11 %)
Net Assets (Cr) ₹1,918 on 31 Mar 25
Category Debt - Medium to Long term
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.46
Sharpe Ratio 0.68
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-1 Years (1%),1 Years and above(NIL)
Yield to Maturity 7.42%
Effective Maturity 10 Years 6 Months 14 Days
Modified Duration 6 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,906
30 Apr 22₹11,206
30 Apr 23₹11,911
30 Apr 24₹12,654
30 Apr 25₹13,963

SBI Magnum Income Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI Magnum Income Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 1.2%
3 Month 4%
6 Month 5.7%
1 Year 10.2%
3 Year 8.2%
5 Year 6.8%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.1%
2023 7.2%
2022 3%
2021 3.6%
2020 11.6%
2019 11.7%
2018 4.7%
2017 5.7%
2016 13.4%
2015 6%
Fund Manager information for SBI Magnum Income Fund
NameSinceTenure
Lokesh Mallya1 Dec 231.41 Yr.

Data below for SBI Magnum Income Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash2.69%
Debt97.05%
Other0.26%
Debt Sector Allocation
SectorValue
Government67.38%
Corporate29.67%
Cash Equivalent2.69%
Credit Quality
RatingValue
AA32.82%
AAA67.18%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
34%₹664 Cr64,500,000
7.23% Govt Stock 2039
Sovereign Bonds | -
15%₹294 Cr27,500,000
7.3% Govt Stock 2053
Sovereign Bonds | -
9%₹176 Cr16,500,000
7.34% Govt Stock 2064
Sovereign Bonds | -
5%₹96 Cr9,000,000
↑ 4,000,000
Torrent Power Limited
Debentures | -
4%₹78 Cr7,500
Godrej Properties Limited
Debentures | -
4%₹76 Cr7,500
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
4%₹73 Cr7,500
Indostar Capital Finance Ltd.
Debentures | -
3%₹59 Cr5,900
Avanse Financial Services Ltd.
Debentures | -
3%₹55 Cr5,500
Tata Power Renewable Energy Ltd. (Guaranteed By Tata Power Ltd.)
Debentures | -
3%₹51 Cr5,000

5. SBI Magnum Medium Duration Fund

(Erstwhile SBI Regular Savings Fund)

To provide attractive returns to the Magnum holders / Unit holders either through periodic dividends or through capital appreciation through an actively managed portfolio of debt, equity and money market instruments.

SBI Magnum Medium Duration Fund is a Debt - Medium term Bond fund was launched on 12 Nov 03. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.9% since its launch.  Ranked 18 in Medium term Bond category.  Return for 2024 was 8.1% , 2023 was 7.2% and 2022 was 3.4% .

Below is the key information for SBI Magnum Medium Duration Fund

SBI Magnum Medium Duration Fund
Growth
Launch Date 12 Nov 03
NAV (16 May 25) ₹51.139 ↑ 0.05   (0.10 %)
Net Assets (Cr) ₹6,481 on 31 Mar 25
Category Debt - Medium term Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.22
Sharpe Ratio 1.26
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (1.5%),12 Months and above(NIL)
Yield to Maturity 7.76%
Effective Maturity 5 Years 6 Months
Modified Duration 3 Years 9 Months 22 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,990
30 Apr 22₹11,404
30 Apr 23₹12,073
30 Apr 24₹12,876
30 Apr 25₹14,120

SBI Magnum Medium Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for SBI Magnum Medium Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 1.1%
3 Month 3.5%
6 Month 5.4%
1 Year 9.7%
3 Year 8%
5 Year 7%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.1%
2023 7.2%
2022 3.4%
2021 3.8%
2020 12.3%
2019 11.1%
2018 6.2%
2017 7.6%
2016 14%
2015 6.6%
Fund Manager information for SBI Magnum Medium Duration Fund
NameSinceTenure
Lokesh Mallya1 Dec 231.41 Yr.
Mohit Jain30 Nov 177.42 Yr.

Data below for SBI Magnum Medium Duration Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash13.38%
Debt86.32%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate45.19%
Government41.14%
Cash Equivalent13.38%
Credit Quality
RatingValue
A7.36%
AA44.98%
AAA47.67%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
14%₹943 Cr91,500,000
↑ 7,500,000
7.18% Govt Stock 2033
Sovereign Bonds | -
12%₹805 Cr76,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
9%₹568 Cr53,500,000
Godrej Properties Limited
Debentures | -
5%₹304 Cr30,000
7.23% Govt Stock 2039
Sovereign Bonds | -
4%₹294 Cr27,500,000
Avanse Financial Services Ltd.
Debentures | -
4%₹251 Cr25,000
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
4%₹233 Cr24,000
Century Textiles And Industried Limited
Debentures | -
3%₹223 Cr22,000
Yes Bank Limited
Debentures | -
3%₹223 Cr2,250
Indostar Capital Finance Ltd.
Debentures | -
3%₹167 Cr16,600

6. SBI Banking and PSU Fund

(Erstwhile SBI Treasury Advantage Fund)

The scheme seeks to generate regular income through a judicious mix of portfolio comprising, predominantly of money market instruments and short term debt securities.

SBI Banking and PSU Fund is a Debt - Banking & PSU Debt fund was launched on 9 Oct 09. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.6% since its launch.  Ranked 43 in Banking & PSU Debt category.  Return for 2024 was 7.7% , 2023 was 6.6% and 2022 was 2.9% .

Below is the key information for SBI Banking and PSU Fund

SBI Banking and PSU Fund
Growth
Launch Date 9 Oct 09
NAV (16 May 25) ₹3,113.44 ↑ 4.70   (0.15 %)
Net Assets (Cr) ₹3,835 on 31 Mar 25
Category Debt - Banking & PSU Debt
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 0.81
Sharpe Ratio 0.9
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.28%
Effective Maturity 5 Years 4 Months 24 Days
Modified Duration 3 Years 10 Months 10 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,784
30 Apr 22₹11,109
30 Apr 23₹11,632
30 Apr 24₹12,361
30 Apr 25₹13,517

SBI Banking and PSU Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI Banking and PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 1.1%
3 Month 3.6%
6 Month 5.3%
1 Year 9.5%
3 Year 7.3%
5 Year 6.1%
10 Year
15 Year
Since launch 7.6%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 6.6%
2022 2.9%
2021 2.6%
2020 10.5%
2019 9.7%
2018 7.4%
2017 6.4%
2016 8.3%
2015 8.7%
Fund Manager information for SBI Banking and PSU Fund
NameSinceTenure
Rajeev Radhakrishnan16 Nov 1311.46 Yr.
Ardhendu Bhattacharya1 Dec 231.41 Yr.
Pradeep Kesavan1 Dec 231.41 Yr.

Data below for SBI Banking and PSU Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash4.25%
Debt95.4%
Other0.35%
Debt Sector Allocation
SectorValue
Government50.17%
Corporate47.01%
Cash Equivalent2.47%
Credit Quality
RatingValue
AA10.76%
AAA89.24%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
6%₹247 Cr24,000,000
↑ 16,500,000
Power Grid Corporation Of India Limited
Debentures | -
5%₹212 Cr23,000
Nuclear Power Corporation Of India Limited
Debentures | -
5%₹209 Cr20,400
Rural Electrification Corporation Limited
Debentures | -
5%₹190 Cr185
↑ 10
National Bank For Financing Infrastructure And Development
Debentures | -
5%₹185 Cr18,000
7.04% Andhra Pradesh State Development Loans (26/03/2033)
Sovereign Bonds | -
4%₹179 Cr17,499,900
Ongc Petro Additions Ltd.
Debentures | -
4%₹177 Cr17,500
GAil (India) Limited
Debentures | -
4%₹152 Cr1,500
6.9% Govt Stock 2065
Sovereign Bonds | -
4%₹152 Cr15,000,000
National Bank for Financing Infrastructure & Development
Domestic Bonds | -
4%₹152 Cr15,000

7. SBI Short Term Debt Fund

To provide investors with an opportunity to generate regular income through investments in a portfolio comprising of debt instruments which are rated not below investment grade by a credit rating agency, and money market instruments.

SBI Short Term Debt Fund is a Debt - Short term Bond fund was launched on 27 Jul 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of since its launch.  Ranked 25 in Short term Bond category.  Return for 2024 was 7.7% , 2023 was 6.7% and 2022 was 3.5% .

Below is the key information for SBI Short Term Debt Fund

SBI Short Term Debt Fund
Growth
Launch Date 27 Jul 07
NAV (16 May 25) ₹32.0418 ↑ 0.04   (0.14 %)
Net Assets (Cr) ₹13,959 on 31 Mar 25
Category Debt - Short term Bond
AMC SBI Funds Management Private Limited
Rating
Risk Moderately Low
Expense Ratio 0.84
Sharpe Ratio 1.4
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.33%
Effective Maturity 3 Years 10 Months 20 Days
Modified Duration 2 Years 9 Months 11 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,701
30 Apr 22₹11,063
30 Apr 23₹11,633
30 Apr 24₹12,382
30 Apr 25₹13,529

SBI Short Term Debt Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132
Invest Now

Returns for SBI Short Term Debt Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 1.1%
3 Month 3.4%
6 Month 5.3%
1 Year 9.4%
3 Year 7.4%
5 Year 6.2%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.7%
2023 6.7%
2022 3.5%
2021 2.8%
2020 9.9%
2019 9.5%
2018 6%
2017 5.7%
2016 9.9%
2015 8.2%
Fund Manager information for SBI Short Term Debt Fund
NameSinceTenure
Rajeev Radhakrishnan2 Jun 0816.92 Yr.
Mansi Sajeja1 Dec 231.41 Yr.

Data below for SBI Short Term Debt Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash7.74%
Debt92.01%
Other0.26%
Debt Sector Allocation
SectorValue
Corporate64.22%
Government28.11%
Cash Equivalent7.41%
Credit Quality
RatingValue
AA12.74%
AAA87.26%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
7%₹1,053 Cr100,000,000
↑ 10,000,000
7.17% Govt Stock 2030
Sovereign Bonds | -
6%₹909 Cr87,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
5%₹670 Cr65,000,000
↓ -25,000,000
Small Industries Development Bank of India
Debentures | -
4%₹510 Cr50,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹508 Cr50,000
National Bank For Agriculture And Rural Development
Debentures | -
4%₹508 Cr50,000
REC Ltd.
Debentures | -
4%₹507 Cr50,000
Tata Communications Limited
Debentures | -
3%₹404 Cr40,000
Jamnagar Utilities And Power Private Limited
Debentures | -
3%₹398 Cr39,000
Small Industries Development Bank Of India
Debentures | -
2%₹329 Cr32,500
↑ 32,500

8. SBI Credit Risk Fund

(Erstwhile SBI Corporate Bond Fund)

The investment objective will be to actively manage a portfolio of good quality corporate debt as well as Money Market Instruments so as to provide reasonable returns and liquidity to the Unit holders. However there is no guarantee or assurance that the investment objective of the scheme will be achieved.

SBI Credit Risk Fund is a Debt - Credit Risk fund was launched on 19 Jul 04. It is a fund with Moderate risk and has given a CAGR/Annualized return of 7.5% since its launch.  Ranked 3 in Credit Risk category.  Return for 2024 was 8.1% , 2023 was 8.3% and 2022 was 4.2% .

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund
Growth
Launch Date 19 Jul 04
NAV (16 May 25) ₹45.3187 ↑ 0.04   (0.10 %)
Net Assets (Cr) ₹2,255 on 31 Mar 25
Category Debt - Credit Risk
AMC SBI Funds Management Private Limited
Rating
Risk Moderate
Expense Ratio 1.56
Sharpe Ratio 1.61
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity 8.51%
Effective Maturity 3 Years 14 Days
Modified Duration 2 Years 2 Months 12 Days

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹11,009
30 Apr 22₹11,542
30 Apr 23₹12,350
30 Apr 24₹13,181
30 Apr 25₹14,402

SBI Credit Risk Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹203,125.
Net Profit of ₹23,125
Invest Now

Returns for SBI Credit Risk Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 0.8%
3 Month 2.8%
6 Month 4.8%
1 Year 9.2%
3 Year 8%
5 Year 7.5%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2024 8.1%
2023 8.3%
2022 4.2%
2021 5%
2020 9.8%
2019 6.5%
2018 6.2%
2017 6.9%
2016 10.5%
2015 9.7%
Fund Manager information for SBI Credit Risk Fund
NameSinceTenure
Lokesh Mallya1 Feb 178.25 Yr.

Data below for SBI Credit Risk Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash10.63%
Equity3.24%
Debt85.78%
Other0.35%
Debt Sector Allocation
SectorValue
Corporate70.51%
Government15.27%
Cash Equivalent10.63%
Credit Quality
RatingValue
A17.76%
AA66.14%
AAA16.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.23% Govt Stock 2039
Sovereign Bonds | -
9%₹203 Cr19,000,000
Aadhar Housing Finance Limited
Debentures | -
5%₹113 Cr11,200
Nirma Limited
Debentures | -
5%₹111 Cr11,000
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
5%₹107 Cr11,000
Infopark Properties Ltd.
Debentures | -
5%₹106 Cr10,500
Century Textiles And Industried Limited
Debentures | -
4%₹86 Cr8,500
Sandur Manganese And Iron Ores Limited (The)
Debentures | -
4%₹83 Cr8,500
6.79% Govt Stock 2034
Sovereign Bonds | -
4%₹82 Cr8,000,000
Avanse Financial Services Ltd.
Debentures | -
4%₹80 Cr8,000
Aditya Birla Renewables Limited
Debentures | -
3%₹76 Cr7,500

9. SBI Magnum Low Duration Fund

(Erstwhile SBI-Short Horizon Fund - Ultra Short Term)

To provide investors with an opportunity to generate regular income with high degree of liquidity through investments in a portfolio comprising predominantly of money market instruments with maturity/residual maturity up to one year and debt instruments which are rated not below investment grade by a credit rating agency.

SBI Magnum Low Duration Fund is a Debt - Low Duration fund was launched on 27 Jul 07. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of since its launch.  Ranked 41 in Low Duration category.  Return for 2024 was 7.3% , 2023 was 6.7% and 2022 was 4% .

Below is the key information for SBI Magnum Low Duration Fund

SBI Magnum Low Duration Fund
Growth
Launch Date 27 Jul 07
NAV (16 May 25) ₹3,469.82 ↑ 2.02   (0.06 %)
Net Assets (Cr) ₹14,392 on 31 Mar 25
Category Debt - Low Duration
AMC SBI Funds Management Private Limited
Rating
Risk Moderately Low
Expense Ratio 0.95
Sharpe Ratio 1.11
Information Ratio 0
Alpha Ratio 0
Min Investment 5,000
Min SIP Investment 500
Exit Load NIL
Yield to Maturity 7.43%
Effective Maturity 1 Year 5 Months 5 Days
Modified Duration 11 Months 1 Day

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,553
30 Apr 22₹10,905
30 Apr 23₹11,480
30 Apr 24₹12,267
30 Apr 25₹13,217

SBI Magnum Low Duration Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for SBI Magnum Low Duration Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 0.7%
3 Month 2.4%
6 Month 4%
1 Year 7.8%
3 Year 6.9%
5 Year 5.7%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.3%
2023 6.7%
2022 4%
2021 3.2%
2020 6.7%
2019 8.3%
2018 7.5%
2017 6.6%
2016 8.3%
2015 8.6%
Fund Manager information for SBI Magnum Low Duration Fund
NameSinceTenure
Rajeev Radhakrishnan9 Jun 0816.9 Yr.

Data below for SBI Magnum Low Duration Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash29.63%
Debt70.15%
Other0.22%
Debt Sector Allocation
SectorValue
Corporate65.15%
Government19.82%
Cash Equivalent14.82%
Credit Quality
RatingValue
AA7.12%
AAA92.88%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
07.03 CG Sdl 2026
Sovereign Bonds | -
6%₹858 Cr84,992,300
TRent Limited
Debentures | -
3%₹493 Cr5,000
HDFC Bank Ltd.
Debentures | -
3%₹472 Cr10,000
Indigrid Infrastructure Trust
Debentures | -
3%₹387 Cr3,850
National Bank For Agriculture And Rural Development
Debentures | -
2%₹305 Cr30,000
Punjab National Bank
Domestic Bonds | -
2%₹283 Cr6,000
Rec Limited
Debentures | -
2%₹277 Cr27,500
Bajaj Housing Finance Limited
Debentures | -
2%₹253 Cr25,000
Citicorp Finance (India) Limited
Debentures | -
2%₹251 Cr25,000
INDIA UNIVERSAL TRUST AL2
Unlisted bonds | -
2%₹247 Cr327

10. SBI Savings Fund

To endeavour to mitigate interest rate risk and seek to generate regular income along with opportunities for capital appreciation through a portfolio investing in Floating Rate debt securities, fixed rate securities, derivative instruments as well as in Money Market instruments.

SBI Savings Fund is a Debt - Money Market fund was launched on 19 Jul 04. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7% since its launch.  Ranked 56 in Money Market category.  Return for 2024 was 7.3% , 2023 was 6.9% and 2022 was 4.3% .

Below is the key information for SBI Savings Fund

SBI Savings Fund
Growth
Launch Date 19 Jul 04
NAV (16 May 25) ₹41.1636 ↑ 0.02   (0.05 %)
Net Assets (Cr) ₹24,003 on 31 Mar 25
Category Debt - Money Market
AMC SBI Funds Management Private Limited
Rating
Risk Moderately Low
Expense Ratio 0.76
Sharpe Ratio 1.14
Information Ratio 0
Alpha Ratio 0
Min Investment 500
Min SIP Investment 500
Exit Load 0-3 Days (0.1%),3 Days and above(NIL)
Yield to Maturity 7.3%
Effective Maturity 9 Months 18 Days
Modified Duration 9 Months

Growth of 10,000 investment over the years.

DateValue
30 Apr 20₹10,000
30 Apr 21₹10,487
30 Apr 22₹10,842
30 Apr 23₹11,435
30 Apr 24₹12,241
30 Apr 25₹13,168

SBI Savings Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169
Invest Now

Returns for SBI Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 May 25

DurationReturns
1 Month 0.6%
3 Month 2.3%
6 Month 4%
1 Year 7.6%
3 Year 6.9%
5 Year 5.6%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2024 7.3%
2023 6.9%
2022 4.3%
2021 3.3%
2020 5.7%
2019 7.7%
2018 7.1%
2017 6.3%
2016 8.4%
2015 8.3%
Fund Manager information for SBI Savings Fund
NameSinceTenure
Rajeev Radhakrishnan1 Dec 231.41 Yr.

Data below for SBI Savings Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash63.93%
Debt35.78%
Other0.29%
Debt Sector Allocation
SectorValue
Corporate39.41%
Cash Equivalent33.44%
Government26.86%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd.
Debentures | -
5%₹1,415 Cr30,000
↑ 4,000
Punjab National Bank
Domestic Bonds | -
4%₹1,133 Cr24,000
07.00 RJ Sdl 2025
Sovereign Bonds | -
3%₹803 Cr80,000,000
National Bank for Agriculture and Rural Development
Domestic Bonds | -
3%₹708 Cr15,000
5.63% Govt Stock 2026
Sovereign Bonds | -
2%₹648 Cr65,000,000
↑ 65,000,000
Csb Bank Ltd
Debentures | -
2%₹486 Cr10,000
SMFG India Cr Co.Ltd.
Debentures | -
2%₹469 Cr10,000
Indian Bank
Domestic Bonds | -
2%₹425 Cr9,000
India (Republic of)
- | -
1%₹360 Cr38,000,000
↑ 38,000,000
Equitas Small Finance Bank Ltd.
Debentures | -
1%₹281 Cr6,000

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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Santwana kundu, posted on 8 Feb 20 8:45 AM

I have SBI PSU Fund lumsum amount 20000,for 13 year, but this fund under perform, I want switch this fund which sbi fund is better for switching.

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