+91-22-4891390910 Best SBI Mutual Fund Schemes for 2026
SBI Mutual Fund is one of India’s most trusted and largest Asset Management Companies (AMC). With a history of 30+ years and a wide investor base of over 5 million, SBI MF has built a reputation for offering diverse schemes across equity, debt, and hybrid categories.
As per the latest AMFI data, SBI MF manages an AUM (Assets Under Management) of over ₹8 lakh crore, making it a dominant player among 45+ Mutual Fund Houses in India.
If you’re planning your Financial goals, SBI offers funds for every type of investor — from beginners seeking safety to aggressive investors chasing high returns. In this article, we list the 10 best SBI Mutual Fund schemes in [current year], carefully shortlisted based on performance, AUM, consistency, and investor suitability.
Why Invest in SBI Mutual Fund?
Trust & Legacy: Backed by State Bank of India, a household name in India.
Diverse Options: Schemes across large cap, mid-cap, small cap, hybrid, debt, and tax-saving categories.
Strong Ratings: Several SBI funds hold high CRISIL and Morningstar ratings.
Tax Benefits: Through SBI Magnum TaxGain (ELSS), investors can save under Section 80C.
Global & Domestic Expertise: Funds are managed with both Indian and international exposure.
NRI Investment: SBI MF allows NRIs to invest in its schemes.
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Fund Selection Methodology used to find 10 funds
Best SBI Mutual Fund Schemes
Fund NAV Net Assets (Cr) Min Investment Min SIP Investment 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 5 YR (%) 2025 (%) SBI Dynamic Asset Allocation Fund Growth ₹15.9463
↑ 0.03 ₹655 5,000 500 3.9 6.2 25.1 6.9 8.3 SBI Healthcare Opportunities Fund Growth ₹507.077
↑ 2.79 ₹5,870 5,000 500 -0.8 15.4 16 23.3 18 -3.5 SBI Gold Fund Growth ₹40.5176
↓ -0.43 ₹17,423 5,000 500 -2.1 -7 15.6 30.2 22.5 71.5 SBI Magnum Global Fund Growth ₹383.642
↓ -0.61 ₹6,381 5,000 500 -4.2 3.9 7.5 6 6.3 -5.6 SBI Magnum Children's Benefit Plan Growth ₹117.453
↓ -0.40 ₹152 5,000 500 -1 4.1 6.6 10.2 9.6 3.2 SBI Credit Risk Fund Growth ₹49.675
↑ 0.03 ₹2,182 5,000 500 0.7 3.6 6.4 7.6 6.9 7.9 SBI Liquid Fund Growth ₹4,421.85
↑ 0.94 ₹77,481 50,000 500 1.5 3.1 6.3 6.8 6.3 6.4 SBI Magnum Ultra Short Duration Fund Growth ₹6,468.79
↑ 1.19 ₹11,237 5,000 500 1.4 3.1 6.1 6.9 6.3 7 SBI Arbitrage Opportunities Fund Growth ₹36.5128
↑ 0.07 ₹46,309 5,000 500 1.4 3 6.1 6.7 6.3 6.5 SBI Savings Fund Growth ₹44.783
↑ 0.01 ₹27,850 500 500 1.4 3 5.8 6.8 6.2 7.1 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 2 Jul 21 Research Highlights & Commentary of 10 Funds showcased
Commentary SBI Dynamic Asset Allocation Fund SBI Healthcare Opportunities Fund SBI Gold Fund SBI Magnum Global Fund SBI Magnum Children's Benefit Plan SBI Credit Risk Fund SBI Liquid Fund SBI Magnum Ultra Short Duration Fund SBI Arbitrage Opportunities Fund SBI Savings Fund Point 1 Bottom quartile AUM (₹655 Cr). Lower mid AUM (₹5,870 Cr). Upper mid AUM (₹17,423 Cr). Lower mid AUM (₹6,381 Cr). Bottom quartile AUM (₹152 Cr). Bottom quartile AUM (₹2,182 Cr). Highest AUM (₹77,481 Cr). Upper mid AUM (₹11,237 Cr). Top quartile AUM (₹46,309 Cr). Upper mid AUM (₹27,850 Cr). Point 2 Established history (11+ yrs). Established history (21+ yrs). Established history (15+ yrs). Established history (21+ yrs). Established history (24+ yrs). Established history (22+ yrs). Established history (19+ yrs). Oldest track record among peers (27 yrs). Established history (20+ yrs). Established history (22+ yrs). Point 3 Not Rated. Rating: 2★ (lower mid). Rating: 2★ (lower mid). Rating: 2★ (bottom quartile). Top rated. Rating: 4★ (top quartile). Rating: 3★ (upper mid). Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Moderately Low. Point 5 5Y return: 8.31% (upper mid). 5Y return: 17.98% (top quartile). 5Y return: 22.45% (top quartile). 5Y return: 6.26% (bottom quartile). 5Y return: 9.58% (upper mid). 1Y return: 6.45% (lower mid). 1Y return: 6.35% (lower mid). 1Y return: 6.06% (bottom quartile). 5Y return: 6.30% (lower mid). 1Y return: 5.79% (bottom quartile). Point 6 3Y return: 6.92% (upper mid). 3Y return: 23.33% (top quartile). 3Y return: 30.19% (top quartile). 3Y return: 6.04% (bottom quartile). 3Y return: 10.25% (upper mid). 1M return: -0.23% (lower mid). 1M return: 0.45% (upper mid). 1M return: 0.35% (upper mid). 3Y return: 6.70% (bottom quartile). 1M return: 0.29% (upper mid). Point 7 1Y return: 25.12% (top quartile). 1Y return: 15.96% (top quartile). 1Y return: 15.60% (upper mid). 1Y return: 7.48% (upper mid). 1Y return: 6.58% (upper mid). Sharpe: 1.02 (upper mid). Sharpe: 2.85 (top quartile). Sharpe: 0.94 (upper mid). 1Y return: 6.06% (bottom quartile). Sharpe: 0.50 (bottom quartile). Point 8 1M return: 1.04% (top quartile). Alpha: 3.63 (top quartile). 1M return: -5.48% (bottom quartile). Alpha: 10.50 (top quartile). 1M return: -2.30% (bottom quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (lower mid). 1M return: 0.52% (top quartile). Information ratio: 0.00 (bottom quartile). Point 9 Alpha: 0.00 (upper mid). Sharpe: 0.95 (upper mid). Alpha: 0.00 (upper mid). Sharpe: 0.56 (bottom quartile). Alpha: 0.00 (upper mid). Yield to maturity (debt): 8.86% (top quartile). Yield to maturity (debt): 6.27% (lower mid). Yield to maturity (debt): 7.03% (upper mid). Alpha: 0.00 (bottom quartile). Yield to maturity (debt): 6.84% (upper mid). Point 10 Sharpe: 2.59 (top quartile). Information ratio: 0.10 (top quartile). Sharpe: 0.79 (lower mid). Information ratio: -0.66 (bottom quartile). Sharpe: 0.76 (lower mid). Modified duration: 2.07 yrs (bottom quartile). Modified duration: 0.09 yrs (upper mid). Modified duration: 0.29 yrs (lower mid). Sharpe: 0.73 (bottom quartile). Modified duration: 0.31 yrs (bottom quartile). SBI Dynamic Asset Allocation Fund
SBI Healthcare Opportunities Fund
SBI Gold Fund
SBI Magnum Global Fund
SBI Magnum Children's Benefit Plan
SBI Credit Risk Fund
SBI Liquid Fund
SBI Magnum Ultra Short Duration Fund
SBI Arbitrage Opportunities Fund
SBI Savings Fund
*List if based on funds having The objective of the fund will be to provide investors with an opportunity to invest in a portfolio of a mix of equity and equity related securities and fixed income instruments. The allocation between fixed income and equity instruments will be managed dynamically so as to provide investors with long term capital appreciation However, there can be no assurance that the investment objective of the Scheme will be achieved. Research Highlights for SBI Dynamic Asset Allocation Fund Below is the key information for SBI Dynamic Asset Allocation Fund Returns up to 1 year are on (Erstwhile SBI Pharma Fund) To provide the investors maximum growth opportunity through equity
investments in stocks of growth oriented sectors of the economy. Research Highlights for SBI Healthcare Opportunities Fund Below is the key information for SBI Healthcare Opportunities Fund Returns up to 1 year are on The scheme seeks to provide returns that closely correspond to returns provided by SBI - ETF Gold (Previously known as SBI GETS). Research Highlights for SBI Gold Fund Below is the key information for SBI Gold Fund Returns up to 1 year are on To provide investors maximum growth opportunity through well researched investments in Indian equities, PCDs and FCDs from selected industries with high growth potential and in Bonds. Research Highlights for SBI Magnum Global Fund Below is the key information for SBI Magnum Global Fund Returns up to 1 year are on To provide attractive returns to the Magnum holders / Unit holders by means
of capital appreciation through an actively managed portfolio of debt, equity
and money market instruments. Income generated through the receipt of coupon payments, the amortization of the discount on the debt instruments, receipt of dividends or purchase and sale of securities in the underlying portfolio, will be reinvested. Research Highlights for SBI Magnum Children's Benefit Plan Below is the key information for SBI Magnum Children's Benefit Plan Returns up to 1 year are on (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. Research Highlights for SBI Credit Risk Fund Below is the key information for SBI Credit Risk Fund Returns up to 1 year are on (Erstwhile SBI - Premier Liquid Fund) To provide attractive returns to the Magnum/Unit holders either through
periodic dividends or through capital appreciation through an actively
managed portfolio of debt and money market instruments. Income may be
generated through the receipt of coupon payments, the amortization of the
discount on the debt instruments, receipt of dividends or purchase and sale of
securities in the underlying portfolio. Research Highlights for SBI Liquid Fund Below is the key information for SBI Liquid Fund Returns up to 1 year are on (Erstwhile SBI Magnum InstaCash Fund) To provide the investors an opportunity to earn returns through investment in
debt & money market securities, while having the benefit of a very high degree of liquidity. Research Highlights for SBI Magnum Ultra Short Duration Fund Below is the key information for SBI Magnum Ultra Short Duration Fund Returns up to 1 year are on To provide capital appreciation and regular income for unitholders by identifying profitable arbitrage opportunities between the spot and derivative market segments as also through investment of surplus cash in debt and money market instruments. Research Highlights for SBI Arbitrage Opportunities Fund Below is the key information for SBI Arbitrage Opportunities Fund Returns up to 1 year are on 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. Research Highlights for SBI Savings Fund Below is the key information for SBI Savings Fund Returns up to 1 year are on Assets > 100 Crore and sorted on last 1 Year Returns.
1. SBI Dynamic Asset Allocation Fund
SBI Dynamic Asset Allocation Fund
Growth Launch Date 26 Mar 15 NAV (02 Jul 21) ₹15.9463 ↑ 0.03 (0.18 %) Net Assets (Cr) ₹655 on 31 May 21 Category Hybrid - Dynamic Allocation AMC SBI Funds Management Private Limited Rating Risk Moderately High Expense Ratio 2.07 Sharpe Ratio 2.59 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value Returns for SBI Dynamic Asset Allocation Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jul 21 Duration Returns 1 Month 1% 3 Month 3.9% 6 Month 6.2% 1 Year 25.1% 3 Year 6.9% 5 Year 8.3% 10 Year 15 Year Since launch 7.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 Fund Manager information for SBI Dynamic Asset Allocation Fund
Name Since Tenure Data below for SBI Dynamic Asset Allocation Fund as on 31 May 21
Asset Allocation
Asset Class Value Equity Sector Allocation
Sector Value Debt Sector Allocation
Sector Value Credit Quality
Rating Value Top Securities Holdings / Portfolio
Name Holding Value Quantity 2. SBI Healthcare Opportunities Fund
SBI Healthcare Opportunities Fund
Growth Launch Date 31 Dec 04 NAV (30 Oct 26) ₹507.077 ↑ 2.79 (0.55 %) Net Assets (Cr) ₹5,870 on 30 Sep 26 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.93 Sharpe Ratio 0.95 Information Ratio 0.1 Alpha Ratio 3.63 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-15 Days (0.5%),15 Days and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,166 31 Oct 23 ₹12,129 31 Oct 24 ₹19,105 31 Oct 25 ₹19,589 31 Oct 26 ₹22,856 Returns for SBI Healthcare Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jul 21 Duration Returns 1 Month 0.2% 3 Month -0.8% 6 Month 15.4% 1 Year 16% 3 Year 23.3% 5 Year 18% 10 Year 15 Year Since launch 15.4% Historical performance (Yearly) on absolute basis
Year Returns 2025 -3.5% 2024 42.2% 2023 38.2% 2022 -6% 2021 20.1% 2020 65.8% 2019 -0.5% 2018 -9.9% 2017 2.1% 2016 -14% Fund Manager information for SBI Healthcare Opportunities Fund
Name Since Tenure Tanmaya Desai 1 Jun 11 15.35 Yr. Data below for SBI Healthcare Opportunities Fund as on 30 Sep 26
Equity Sector Allocation
Sector Value Health Care 88.34% Basic Materials 7.2% Asset Allocation
Asset Class Value Cash 4.47% Equity 95.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Dec 17 | SUNPHARMA11% ₹654 Cr 3,600,000 Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB8% ₹465 Cr 500,000 Acutaas Chemicals Ltd (Basic Materials)
Equity, Since 30 Jun 24 | 5433495% ₹295 Cr 900,000 Apollo Hospitals Enterprise Ltd (Healthcare)
Equity, Since 31 Jan 26 | APOLLOHOSP4% ₹261 Cr 320,000 Torrent Pharmaceuticals Ltd (Healthcare)
Equity, Since 30 Jun 21 | TORNTPHARM4% ₹259 Cr 540,000 Cipla Ltd (Healthcare)
Equity, Since 31 May 26 | 5000874% ₹258 Cr 1,920,000 Laurus Labs Ltd (Healthcare)
Equity, Since 31 Aug 23 | 5402224% ₹238 Cr 1,200,000 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 21 | MAXHEALTH4% ₹223 Cr 2,400,000 Aurobindo Pharma Ltd (Healthcare)
Equity, Since 31 Mar 26 | AUROPHARMA3% ₹201 Cr 1,200,000
↓ -118,192 Aster DM Quality Care Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 24 | ASTERDM3% ₹188 Cr 2,700,000 3. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (30 Oct 26) ₹40.5176 ↓ -0.43 (-1.05 %) Net Assets (Cr) ₹17,423 on 30 Sep 26 Category Gold - Gold AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 0.33 Sharpe Ratio 0.79 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) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,409 31 Oct 23 ₹12,506 31 Oct 24 ₹16,043 31 Oct 25 ₹23,974 31 Oct 26 ₹27,533 Returns for SBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jul 21 Duration Returns 1 Month -5.5% 3 Month -2.1% 6 Month -7% 1 Year 15.6% 3 Year 30.2% 5 Year 22.5% 10 Year 15 Year Since launch 9.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 71.5% 2024 19.6% 2023 14.1% 2022 12.6% 2021 -5.7% 2020 27.4% 2019 22.8% 2018 6.4% 2017 3.5% 2016 10% Fund Manager information for SBI Gold Fund
Name Since Tenure Viral Chhadva 1 Mar 26 0.59 Yr. Data below for SBI Gold Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 1.5% Other 98.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -100% ₹17,451 Cr 1,389,274,664
↑ 45,015,601 Net Receivable / Payable
CBLO | -0% -₹78 Cr Treps
CBLO/Reverse Repo | -0% ₹50 Cr 4. SBI Magnum Global Fund
SBI Magnum Global Fund
Growth Launch Date 27 Jun 05 NAV (30 Oct 26) ₹383.642 ↓ -0.61 (-0.16 %) Net Assets (Cr) ₹6,381 on 30 Sep 26 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.91 Sharpe Ratio 0.56 Information Ratio -0.66 Alpha Ratio 10.5 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-12 Months (1%),12 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,267 31 Oct 23 ₹11,409 31 Oct 24 ₹12,963 31 Oct 25 ₹12,581 31 Oct 26 ₹13,544 Returns for SBI Magnum Global Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jul 21 Duration Returns 1 Month -3.9% 3 Month -4.2% 6 Month 3.9% 1 Year 7.5% 3 Year 6% 5 Year 6.3% 10 Year 15 Year Since launch 15.1% Historical performance (Yearly) on absolute basis
Year Returns 2025 -5.6% 2024 8.2% 2023 23.5% 2022 -5.7% 2021 39.6% 2020 19.9% 2019 5.6% 2018 -10% 2017 41.9% 2016 -2% Fund Manager information for SBI Magnum Global Fund
Name Since Tenure Tanmaya Desai 1 Apr 24 2.5 Yr. Data below for SBI Magnum Global Fund as on 30 Sep 26
Equity Sector Allocation
Sector Value Health Care 26.89% Consumer Cyclical 23.74% Industrials 20.31% Basic Materials 15.61% Consumer Defensive 6.15% Technology 3.57% Asset Allocation
Asset Class Value Cash 3.73% Equity 96.27% Top Securities Holdings / Portfolio
Name Holding Value Quantity Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB6% ₹372 Cr 400,000 Cummins India Ltd (Industrials)
Equity, Since 28 Feb 26 | 5004805% ₹305 Cr 640,000
↑ 40,000 Bosch Ltd (Consumer Cyclical)
Equity, Since 30 Jun 26 | 5005304% ₹264 Cr 56,000
↑ 2,000 Sona BLW Precision Forgings Ltd (Consumer Cyclical)
Equity, Since 31 Aug 24 | SONACOMS4% ₹249 Cr 3,000,000 Vedanta Aluminium Metal Ltd (Basic Materials)
Equity, Since 30 Apr 26 | VAML4% ₹248 Cr 6,000,000 Navin Fluorine International Ltd (Basic Materials)
Equity, Since 31 Mar 25 | NAVINFLUOR4% ₹231 Cr 280,000 Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Jan 25 | SUNPHARMA3% ₹218 Cr 1,200,000 Aether Industries Ltd (Basic Materials)
Equity, Since 31 May 22 | AETHER3% ₹204 Cr 1,200,000
↓ -119,872 ABB India Ltd (Industrials)
Equity, Since 31 Mar 26 | ABB3% ₹203 Cr 300,000
↑ 20,000 Anthem Biosciences Ltd (Healthcare)
Equity, Since 31 Jul 25 | ANTHEM3% ₹189 Cr 2,200,000
↓ -120,000 5. SBI Magnum Children's Benefit Plan
SBI Magnum Children's Benefit Plan
Growth Launch Date 21 Feb 02 NAV (30 Oct 26) ₹117.453 ↓ -0.40 (-0.34 %) Net Assets (Cr) ₹152 on 30 Sep 26 Category Solutions - Childrens Fund AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 1.23 Sharpe Ratio 0.76 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (3%),1-2 Years (2%),2-3 Years (1%),3 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,443 31 Oct 23 ₹11,778 31 Oct 24 ₹14,309 31 Oct 25 ₹14,835 31 Oct 26 ₹15,801
Purchase not allowed Returns for SBI Magnum Children's Benefit Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jul 21 Duration Returns 1 Month -2.3% 3 Month -1% 6 Month 4.1% 1 Year 6.6% 3 Year 10.2% 5 Year 9.6% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 2025 3.2% 2024 17.4% 2023 16.9% 2022 1.9% 2021 18.3% 2020 14.8% 2019 2.6% 2018 0.1% 2017 24.3% 2016 16.1% Fund Manager information for SBI Magnum Children's Benefit Plan
Name Since Tenure R. Srinivasan 13 Jan 21 5.72 Yr. Lokesh Mallya 1 Jul 25 1.25 Yr. Data below for SBI Magnum Children's Benefit Plan as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 8.32% Equity 22.17% Debt 69.51% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.18% Govt Stock 2033
Sovereign Bonds | -7% ₹10 Cr 1,000,000 6.68% Govt Stock 2040
Sovereign Bonds | -6% ₹9 Cr 1,000,000
↓ -500,000 Jsw Jfe Kalinga Steel Limited
Debentures | -3% ₹5 Cr 500 Rec Limited
Debentures | -3% ₹5 Cr 500 Motilal Oswal Financial Services Ltd.
Debentures | -3% ₹5 Cr 500
↑ 500 LIC Housing Finance Ltd
Debentures | -3% ₹5 Cr 500 National Bank For Agriculture And Rural Development
Debentures | -3% ₹5 Cr 500 Tamil Nadu (Government of) 7.73%
- | -3% ₹5 Cr 500,000 Small Industries Development Bank Of India
Debentures | -3% ₹5 Cr 500 State Government Of Rajasthan
Sovereign Bonds | -3% ₹5 Cr 500,000 6. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (30 Oct 26) ₹49.675 ↑ 0.03 (0.07 %) Net Assets (Cr) ₹2,182 on 30 Sep 26 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.54 Sharpe Ratio 1.02 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 8.86% Effective Maturity 2 Years 9 Months 18 Days Modified Duration 2 Years 25 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,378 31 Oct 23 ₹11,224 31 Oct 24 ₹12,136 31 Oct 25 ₹13,136 31 Oct 26 ₹13,980 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jul 21 Duration Returns 1 Month -0.2% 3 Month 0.7% 6 Month 3.6% 1 Year 6.4% 3 Year 7.6% 5 Year 6.9% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.9% 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% Fund Manager information for SBI Credit Risk Fund
Name Since Tenure Lokesh Mallya 1 Feb 17 9.67 Yr. Prashanth Sridhar 1 Jul 26 0.25 Yr. Data below for SBI Credit Risk Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 4.81% Equity 5.7% Debt 85.88% Other 3.61% Debt Sector Allocation
Sector Value Corporate 73.42% Government 12.45% Cash Equivalent 4.81% Credit Quality
Rating Value A 7.34% AA 73.28% AAA 19.39% Top Securities Holdings / Portfolio
Name Holding Value Quantity H.G. Infra Engineering Limited
Debentures | -5% ₹101 Cr 10,000 Nj Capital Private Limited
Debentures | -5% ₹99 Cr 10,000 TATA Projects Limited
Debentures | -5% ₹99 Cr 10,000 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹99 Cr 11,000 Jtpm Metal TRaders Limited
Debentures | -4% ₹97 Cr 9,000 Lodha Developers Limited
Debentures | -4% ₹86 Cr 10,000 Renserv Global Private Limited
Debentures | -4% ₹80 Cr 8,000 Jsw Jfe Kalinga Steel Limited
Debentures | -4% ₹78 Cr 7,500 Aditya Birla Renewables Limited
Debentures | -3% ₹75 Cr 7,500 Motilal Oswal Home Finance Limited
Debentures | -3% ₹75 Cr 7,500 7. SBI Liquid Fund
SBI Liquid Fund
Growth Launch Date 22 Mar 07 NAV (30 Oct 26) ₹4,421.85 ↑ 0.94 (0.02 %) Net Assets (Cr) ₹77,481 on 30 Sep 26 Category Debt - Liquid Fund AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.3 Sharpe Ratio 2.85 Information Ratio 0 Alpha Ratio 0 Min Investment 50,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.27% Effective Maturity 1 Month 6 Days Modified Duration 1 Month 2 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,425 31 Oct 23 ₹11,142 31 Oct 24 ₹11,956 31 Oct 25 ₹12,745 31 Oct 26 ₹13,554 Returns for SBI Liquid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jul 21 Duration Returns 1 Month 0.4% 3 Month 1.5% 6 Month 3.1% 1 Year 6.3% 3 Year 6.8% 5 Year 6.3% 10 Year 15 Year Since launch 6.9% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.4% 2024 7.3% 2023 6.9% 2022 4.8% 2021 3.3% 2020 4.2% 2019 6.5% 2018 7.3% 2017 6.6% 2016 7.6% Fund Manager information for SBI Liquid Fund
Name Since Tenure Rajeev Radhakrishnan 1 Dec 23 2.84 Yr. Data below for SBI Liquid Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 98.43% Debt 1.3% Other 0.26% Debt Sector Allocation
Sector Value Cash Equivalent 78% Corporate 11.58% Government 10.16% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -3% ₹2,686 Cr 270,000,000
↑ 100,000,000 HDFC Bank Limited
Certificate of Deposit | -3% ₹2,483 Cr 50,000
↑ 50,000 Punjab National Bank
Debentures | -3% ₹2,482 Cr 50,000 National Bank For Agriculture And Rural Development
Commercial Paper | -3% ₹2,435 Cr 49,000 Canara Bank
Domestic Bonds | -3% ₹2,195 Cr 44,000 12/11/2026 Maturing 364 DTB
Sovereign Bonds | -3% ₹2,057 Cr 207,000,000 Small Industries Development Bank Of India
Commercial Paper | -3% ₹1,991 Cr 40,000 Reliance Retail Ventures Ltd.
Net Current Assets | -3% ₹1,991 Cr 40,000
↑ 30,000 Union Bank Of India
Net Current Assets | -3% ₹1,988 Cr 40,000 India (Republic of)
- | -2% ₹1,747 Cr 175,000,000 8. SBI Magnum Ultra Short Duration Fund
SBI Magnum Ultra Short Duration Fund
Growth Launch Date 21 May 99 NAV (30 Oct 26) ₹6,468.79 ↑ 1.19 (0.02 %) Net Assets (Cr) ₹11,237 on 30 Sep 26 Category Debt - Ultrashort Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Low Expense Ratio 0.55 Sharpe Ratio 0.94 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.03% Effective Maturity 5 Months 23 Days Modified Duration 3 Months 14 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,390 31 Oct 23 ₹11,117 31 Oct 24 ₹11,942 31 Oct 25 ₹12,793 31 Oct 26 ₹13,569 Returns for SBI Magnum Ultra Short Duration Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jul 21 Duration Returns 1 Month 0.3% 3 Month 1.4% 6 Month 3.1% 1 Year 6.1% 3 Year 6.9% 5 Year 6.3% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7% 2024 7.4% 2023 7% 2022 4.5% 2021 3.4% 2020 5.9% 2019 8% 2018 7.9% 2017 6.6% 2016 7.7% Fund Manager information for SBI Magnum Ultra Short Duration Fund
Name Since Tenure Sudhir Agrawal 15 May 25 1.38 Yr. Data below for SBI Magnum Ultra Short Duration Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 112.22% Other 0.44% Debt Sector Allocation
Sector Value Cash Equivalent 74.63% Corporate 39.63% Credit Quality
Rating Value AA 22.75% AAA 77.25% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -7% ₹798 Cr 80,000,000 Muthoot Finance Limited
Debentures | -3% ₹323 Cr 32,500 Adani Power Limited
Debentures | -3% ₹299 Cr 30,000 Deutsche Bank AG
- | -2% -₹250 Cr HSBC Bank PLC
Debentures | -2% -₹250 Cr Avanse Financial Services Limited
Debentures | -2% ₹248 Cr 25,000 Axis Bank Ltd.
Debentures | -2% ₹247 Cr 5,000 RADHAKRISHNA SECURITISATION TRUST
Unlisted bonds | -2% ₹243 Cr 255 Eris Lifesciences Limited
Debentures | -2% ₹200 Cr 20,000
↑ 5,000 Bharat Petroleum Corporation Limited
Debentures | -2% ₹200 Cr 2,000 9. SBI Arbitrage Opportunities Fund
SBI Arbitrage Opportunities Fund
Growth Launch Date 3 Nov 06 NAV (30 Oct 26) ₹36.5128 ↑ 0.07 (0.18 %) Net Assets (Cr) ₹46,309 on 30 Sep 26 Category Hybrid - Arbitrage AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately Low Expense Ratio 0.91 Sharpe Ratio 0.73 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Months (0.5%),1 Months and above(NIL) Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,392 31 Oct 23 ₹11,175 31 Oct 24 ₹12,007 31 Oct 25 ₹12,795 31 Oct 26 ₹13,574 Returns for SBI Arbitrage Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jul 21 Duration Returns 1 Month 0.5% 3 Month 1.4% 6 Month 3% 1 Year 6.1% 3 Year 6.7% 5 Year 6.3% 10 Year 15 Year Since launch 6.7% Historical performance (Yearly) on absolute basis
Year Returns 2025 6.5% 2024 7.5% 2023 7.4% 2022 4.6% 2021 4% 2020 3.5% 2019 6% 2018 6.2% 2017 5.3% 2016 6.4% Fund Manager information for SBI Arbitrage Opportunities Fund
Name Since Tenure Neeraj Kumar 5 Oct 12 14 Yr. Ardhendu Bhattacharya 27 Dec 24 1.76 Yr. Data below for SBI Arbitrage Opportunities Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 99.17% Equity 0.12% Debt 0.66% Other 0.04% Equity Sector Allocation
Sector Value Basic Materials 1.57% Consumer Defensive 0.91% Consumer Cyclical 0.67% Communication Services 0.59% Energy 0.53% Financial Services 0.33% Real Estate 0.09% Debt Sector Allocation
Sector Value Cash Equivalent 91.89% Corporate 5.85% Government 2.1% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Liquid Dir Gr
Investment Fund | -7% ₹3,357 Cr 7,538,173
↑ 1,691,823 SBI Money Market Dir Gr
Investment Fund | -7% ₹3,271 Cr 679,406,835
↓ -344,800,000 Future on Reliance Industries Ltd
Derivatives | -6% -₹2,597 Cr 21,771,000
↑ 5,833,500 Reliance Industries Ltd (Energy)
Equity, Since 30 Nov 21 | RELIANCE6% ₹2,584 Cr 21,771,000
↑ 5,833,500 Future on HDFC Bank Ltd
Derivatives | -5% -₹2,299 Cr 32,117,150
↓ -2,148,900 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Apr 22 | HDFCBANK5% ₹2,276 Cr 32,117,150
↓ -2,148,900 Future on State Bank of India
Derivatives | -4% -₹1,720 Cr 17,772,000
↑ 1,050,000 State Bank of India (Financial Services)
Equity, Since 31 May 23 | SBIN4% ₹1,705 Cr 17,772,000
↑ 1,050,000 Future on ICICI Bank Ltd
Derivatives | -3% -₹1,284 Cr 9,648,100
↑ 1,636,600 ICICI Bank Ltd (Financial Services)
Equity, Since 30 Jun 21 | ICICIBANK3% ₹1,275 Cr 9,648,100
↑ 1,636,600 10. SBI Savings Fund
SBI Savings Fund
Growth Launch Date 19 Jul 04 NAV (30 Oct 26) ₹44.783 ↑ 0.01 (0.01 %) Net Assets (Cr) ₹27,850 on 30 Sep 26 Category Debt - Money Market AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.66 Sharpe Ratio 0.5 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 6.84% Effective Maturity 4 Months 6 Days Modified Duration 3 Months 22 Days Growth of 10,000 investment over the years.
Date Value 31 Oct 21 ₹10,000 31 Oct 22 ₹10,377 31 Oct 23 ₹11,095 31 Oct 24 ₹11,899 31 Oct 25 ₹12,760 31 Oct 26 ₹13,499 Returns for SBI Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 2 Jul 21 Duration Returns 1 Month 0.3% 3 Month 1.4% 6 Month 3% 1 Year 5.8% 3 Year 6.8% 5 Year 6.2% 10 Year 15 Year Since launch 7% Historical performance (Yearly) on absolute basis
Year Returns 2025 7.1% 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% Fund Manager information for SBI Savings Fund
Name Since Tenure Rajeev Radhakrishnan 1 Dec 23 2.84 Yr. Sankalp Jain 1 Jul 26 0.25 Yr. Data below for SBI Savings Fund as on 30 Sep 26
Asset Allocation
Asset Class Value Cash 94.58% Debt 5.07% Other 0.35% Debt Sector Allocation
Sector Value Cash Equivalent 39.86% Corporate 39.69% Government 20.1% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity India (Republic of)
- | -7% ₹1,817 Cr 184,000,000 India (Republic of)
- | -4% ₹986 Cr 100,000,000 India (Republic of)
- | -1% ₹398 Cr 40,000,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -1% ₹368 Cr 7,600 7.52% Uttarpradesh Sdl 2027
Sovereign Bonds | -1% ₹328 Cr 32,500,000 Axis Bank Ltd.
Debentures | -1% ₹292 Cr 6,000 Equitas Small Finance Bank Ltd.
Debentures | -1% ₹246 Cr 5,000 Equitas Small Finance Bank Ltd.
Debentures | -1% ₹246 Cr 5,000 The Jammu And Kashmir Bank Limited
Debentures | -1% ₹243 Cr 5,000 Day Tbill
Sovereign Bonds | -1% ₹195 Cr 20,000,000
How to Select the Right SBI Mutual Fund?
- Beginners: SBI Bluechip Fund or SBI Equity Hybrid Fund.
- Aggressive Investors: SBI Small Cap Fund, SBI contra fund.
- Tax Planning: SBI Magnum TaxGain (ELSS).
- Short-Term Needs: SBI Magnum Ultra Short Duration or SBI Overnight Fund.
- Sector Focus: SBI Technology Opportunities or SBI Banking & Financial Services Fund.
How to Invest in SBI Mutual Fund Online?
Open Free Investment Account for Lifetime at Fincash.com.
Complete your Registration and KYC Process
Upload Documents (PAN, Aadhaar, etc.). And, You are Ready to Invest!
FAQs on SBI Mutual Funds
1. Which is the best SBI fund for SIP currently?
A: SBI Small Cap Fund and SBI Equity Hybrid Fund are popular choices for SIPs.
2. Is SBI Mutual Fund safe to invest in?
A: Yes, it is SEBI-regulated and managed by one of India’s largest AMCs. However, risks vary by category.
3. Can NRIs invest in SBI Mutual Funds?
A: Yes, NRIs can invest (except for a few restrictions in the US/Canada).
4. Which SBI fund is best for tax saving?
A: SBI Magnum TaxGain (ELSS) qualifies under Section 80C.
Conclusion
SBI Mutual Fund continues to be one of India’s top choices for investors. With schemes across every category — equity, debt, hybrid, and tax-saving — it offers something for everyone. Whether you’re just starting out or looking to diversify your Portfolio, SBI MF provides trusted and well-performing options.
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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Good feedback and analysed well