+91-22-4891390910 Best SBI Mutual Fund Schemes for 2025
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 (%) 2024 (%) SBI Gold Fund Growth ₹35.3839
↓ -0.46 ₹5,221 5,000 500 22 24.5 52.3 32.5 17.4 19.6 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 Banking & Financial Services Fund Growth ₹44.3463
↓ -0.32 ₹8,371 5,000 500 3.1 9.3 16.8 19.4 21 19.6 SBI Equity Hybrid Fund Growth ₹311.054
↓ -0.54 ₹77,256 1,000 500 2.2 7.3 12.3 15 16.9 14.2 SBI Multi Asset Allocation Fund Growth ₹62.4915
↓ -0.21 ₹10,262 5,000 500 4 10 11.5 17.7 15.3 12.8 SBI Focused Equity Fund Growth ₹368.814
↑ 0.21 ₹37,764 5,000 500 3.8 9.4 11.3 16.8 20.1 17.2 SBI Credit Risk Fund Growth ₹46.6483
↓ 0.00 ₹2,210 5,000 500 1.4 3.4 8.4 8.3 6.8 8.1 SBI Short Term Debt Fund Growth ₹32.8446
↑ 0.00 ₹16,387 5,000 500 1.3 3.2 8.2 7.7 5.8 7.7 SBI Healthcare Opportunities Fund Growth ₹440.458
↓ -0.27 ₹3,963 5,000 500 0.1 4.2 8.1 26 20 42.2 SBI Banking and PSU Fund Growth ₹3,183.18
↓ -0.82 ₹4,065 5,000 500 1.2 3 8 7.5 5.5 7.7 Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Oct 25 Research Highlights & Commentary of 10 Funds showcased
Commentary SBI Gold Fund SBI Dynamic Asset Allocation Fund SBI Banking & Financial Services Fund SBI Equity Hybrid Fund SBI Multi Asset Allocation Fund SBI Focused Equity Fund SBI Credit Risk Fund SBI Short Term Debt Fund SBI Healthcare Opportunities Fund SBI Banking and PSU Fund Point 1 Lower mid AUM (₹5,221 Cr). Bottom quartile AUM (₹655 Cr). Upper mid AUM (₹8,371 Cr). Highest AUM (₹77,256 Cr). Upper mid AUM (₹10,262 Cr). Top quartile AUM (₹37,764 Cr). Bottom quartile AUM (₹2,210 Cr). Upper mid AUM (₹16,387 Cr). Bottom quartile AUM (₹3,963 Cr). Lower mid AUM (₹4,065 Cr). Point 2 Established history (14+ yrs). Established history (10+ yrs). Established history (10+ yrs). Established history (20+ yrs). Established history (19+ yrs). Oldest track record among peers (21 yrs). Established history (21+ yrs). Established history (18+ yrs). Established history (20+ yrs). Established history (16+ yrs). Point 3 Rating: 2★ (lower mid). Not Rated. Not Rated. Top rated. Rating: 4★ (top quartile). Rating: 2★ (lower mid). Rating: 4★ (upper mid). Rating: 3★ (upper mid). Rating: 2★ (bottom quartile). Rating: 3★ (upper mid). Point 4 Risk profile: Moderately High. Risk profile: Moderately High. Risk profile: High. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately High. Risk profile: Moderate. Risk profile: Moderately Low. Risk profile: High. Risk profile: Moderate. Point 5 5Y return: 17.40% (upper mid). 5Y return: 8.31% (lower mid). 5Y return: 21.04% (top quartile). 5Y return: 16.87% (upper mid). 5Y return: 15.31% (lower mid). 5Y return: 20.06% (top quartile). 1Y return: 8.37% (lower mid). 1Y return: 8.23% (bottom quartile). 5Y return: 19.97% (upper mid). 1Y return: 7.96% (bottom quartile). Point 6 3Y return: 32.52% (top quartile). 3Y return: 6.92% (bottom quartile). 3Y return: 19.37% (upper mid). 3Y return: 15.02% (lower mid). 3Y return: 17.69% (upper mid). 3Y return: 16.76% (upper mid). 1M return: 0.59% (bottom quartile). 1M return: 0.68% (bottom quartile). 3Y return: 26.03% (top quartile). 1M return: 0.77% (bottom quartile). Point 7 1Y return: 52.27% (top quartile). 1Y return: 25.12% (top quartile). 1Y return: 16.80% (upper mid). 1Y return: 12.31% (upper mid). 1Y return: 11.50% (upper mid). 1Y return: 11.32% (lower mid). Sharpe: 1.72 (upper mid). Sharpe: 1.26 (upper mid). 1Y return: 8.15% (bottom quartile). Sharpe: 0.77 (upper mid). Point 8 1M return: 5.97% (top quartile). 1M return: 1.04% (lower mid). Alpha: 0.46 (upper mid). 1M return: 2.48% (upper mid). 1M return: 2.59% (upper mid). Alpha: 5.18 (top quartile). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Alpha: 2.04 (upper mid). Information ratio: 0.00 (bottom quartile). Point 9 Alpha: 0.00 (upper mid). Alpha: 0.00 (lower mid). Sharpe: 0.28 (lower mid). Alpha: 5.33 (top quartile). Alpha: 0.00 (lower mid). Sharpe: -0.20 (bottom quartile). Yield to maturity (debt): 8.17% (top quartile). Yield to maturity (debt): 7.02% (upper mid). Sharpe: -0.05 (lower mid). Yield to maturity (debt): 6.94% (upper mid). Point 10 Sharpe: 2.58 (top quartile). Sharpe: 2.59 (top quartile). Information ratio: 0.69 (top quartile). Sharpe: -0.11 (bottom quartile). Sharpe: -0.10 (bottom quartile). Information ratio: -0.02 (bottom quartile). Modified duration: 2.24 yrs (lower mid). Modified duration: 2.79 yrs (lower mid). Information ratio: 0.38 (upper mid). Modified duration: 4.09 yrs (bottom quartile). SBI Gold Fund
SBI Dynamic Asset Allocation Fund
SBI Banking & Financial Services Fund
SBI Equity Hybrid Fund
SBI Multi Asset Allocation Fund
SBI Focused Equity Fund
SBI Credit Risk Fund
SBI Short Term Debt Fund
SBI Healthcare Opportunities Fund
SBI Banking and PSU Fund
*List if based on funds having 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 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 The investment objective of the scheme is to generate long-term capital appreciation to unit holders from a portfolio that is invested predominantly in equity and equity related securities of companies engaged in banking and financial services. However, there can be no assurance that the investment objective of the Scheme will be realized. Research Highlights for SBI Banking & Financial Services Fund Below is the key information for SBI Banking & Financial Services Fund Returns up to 1 year are on (Erstwhile SBI Magnum Balanced Fund) To provide investors long term capital appreciation along with the liquidity of open-ended scheme by investing in a mix of debt and equity. The scheme will invest in a diversified portfolio of equities of high growth companies and balance the risk through investing the rest in a relatively safe portfolio of debt. Research Highlights for SBI Equity Hybrid Fund Below is the key information for SBI Equity Hybrid Fund Returns up to 1 year are on (Erstwhile SBI Magnum Monthly Income Plan Floater) To provide regular income, liquidity and attractive returns to investors in addition
to mitigating the impact of interest rate risk through an actively managed
portfolio of floating rate and fixed rate debt instruments, equity, money market
instruments and derivatives. Research Highlights for SBI Multi Asset Allocation Fund Below is the key information for SBI Multi Asset Allocation Fund Returns up to 1 year are on (Erstwhile SBI Emerging Businesses Fund) The investment objective of the Emerging Businesses Fund would be to participate in the growth potential presented by various companies that are considered emergent and have export orientation/outsourcing opportunities or are globally competitive. The fund may also evaluate Emerging Businesses with growth potential and domestic focus. Research Highlights for SBI Focused Equity Fund Below is the key information for SBI Focused Equity Fund 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 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. Research Highlights for SBI Short Term Debt Fund Below is the key information for SBI Short Term Debt 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 (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. Research Highlights for SBI Banking and PSU Fund Below is the key information for SBI Banking and PSU Fund Returns up to 1 year are on Assets > 100 Crore and sorted on last 1 Year Returns.
1. SBI Gold Fund
SBI Gold Fund
Growth Launch Date 12 Sep 11 NAV (24 Oct 25) ₹35.3839 ↓ -0.46 (-1.29 %) Net Assets (Cr) ₹5,221 on 31 Aug 25 Category Gold - Gold AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 0.3 Sharpe Ratio 2.58 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 30 Sep 20 ₹10,000 30 Sep 21 ₹9,030 30 Sep 22 ₹9,763 30 Sep 23 ₹11,132 30 Sep 24 ₹14,369 30 Sep 25 ₹21,663 Returns for SBI Gold Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25 Duration Returns 1 Month 6% 3 Month 22% 6 Month 24.5% 1 Year 52.3% 3 Year 32.5% 5 Year 17.4% 10 Year 15 Year Since launch 9.4% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 -8.1% Fund Manager information for SBI Gold Fund
Name Since Tenure Raviprakash Sharma 12 Sep 11 13.98 Yr. Data below for SBI Gold Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 1.46% Other 98.54% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Gold ETF
- | -100% ₹5,221 Cr 593,717,240
↑ 32,905,406 Treps
CBLO/Reverse Repo | -0% ₹23 Cr Net Receivable / Payable
CBLO | -0% -₹22 Cr 2. 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 30 Sep 20 ₹10,000 Returns for SBI Dynamic Asset Allocation Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25 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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 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 3. SBI Banking & Financial Services Fund
SBI Banking & Financial Services Fund
Growth Launch Date 26 Feb 15 NAV (24 Oct 25) ₹44.3463 ↓ -0.32 (-0.73 %) Net Assets (Cr) ₹8,371 on 31 Aug 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating Risk High Expense Ratio 1.83 Sharpe Ratio 0.28 Information Ratio 0.69 Alpha Ratio 0.46 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 30 Sep 20 ₹10,000 30 Sep 21 ₹16,298 30 Sep 22 ₹16,190 30 Sep 23 ₹18,475 30 Sep 24 ₹25,187 30 Sep 25 ₹27,423 Returns for SBI Banking & Financial Services Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25 Duration Returns 1 Month 3.5% 3 Month 3.1% 6 Month 9.3% 1 Year 16.8% 3 Year 19.4% 5 Year 21% 10 Year 15 Year Since launch 15% Historical performance (Yearly) on absolute basis
Year Returns 2024 19.6% 2023 18.6% 2022 13.5% 2021 12.1% 2020 4.8% 2019 20.7% 2018 9.5% 2017 40.7% 2016 17% 2015 Fund Manager information for SBI Banking & Financial Services Fund
Name Since Tenure Milind Agrawal 1 Aug 19 6.09 Yr. Pradeep Kesavan 1 Dec 23 1.75 Yr. Data below for SBI Banking & Financial Services Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Financial Services 97.35% Asset Allocation
Asset Class Value Cash 2.65% Equity 97.35% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 28 Feb 15 | HDFCBANK18% ₹1,468 Cr 15,429,430
↓ -1,600,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 28 Feb 23 | KOTAKBANK10% ₹802 Cr 4,091,554
↑ 600,000 State Bank of India (Financial Services)
Equity, Since 31 Jul 18 | SBIN8% ₹701 Cr 8,730,364 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Dec 16 | ICICIBANK7% ₹620 Cr 4,435,814 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jan 25 | AXISBANK7% ₹568 Cr 5,435,410
↑ 1,500,000 SBI Life Insurance Co Ltd (Financial Services)
Equity, Since 31 May 25 | SBILIFE5% ₹435 Cr 2,408,631
↑ 783,409 HDFC Life Insurance Co Ltd (Financial Services)
Equity, Since 31 Mar 25 | HDFCLIFE4% ₹375 Cr 4,863,085
↑ 1,142,267 Max Financial Services Ltd (Financial Services)
Equity, Since 30 Apr 25 | MFSL4% ₹296 Cr 1,850,168
↓ -131,961 Bajaj Finserv Ltd (Financial Services)
Equity, Since 30 Jun 25 | BAJAJFINSV3% ₹268 Cr 1,400,000 Aditya Birla Capital Ltd (Financial Services)
Equity, Since 31 Mar 25 | ABCAPITAL3% ₹252 Cr 9,071,860
↓ -11,977 4. SBI Equity Hybrid Fund
SBI Equity Hybrid Fund
Growth Launch Date 19 Jan 05 NAV (24 Oct 25) ₹311.054 ↓ -0.54 (-0.17 %) Net Assets (Cr) ₹77,256 on 31 Aug 25 Category Hybrid - Hybrid Equity AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderately High Expense Ratio 1.4 Sharpe Ratio -0.11 Information Ratio 0.4 Alpha Ratio 5.33 Min Investment 1,000 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 30 Sep 20 ₹10,000 30 Sep 21 ₹14,685 30 Sep 22 ₹14,715 30 Sep 23 ₹16,252 30 Sep 24 ₹20,807 30 Sep 25 ₹21,596 Returns for SBI Equity Hybrid Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25 Duration Returns 1 Month 2.5% 3 Month 2.2% 6 Month 7.3% 1 Year 12.3% 3 Year 15% 5 Year 16.9% 10 Year 15 Year Since launch 15% Historical performance (Yearly) on absolute basis
Year Returns 2024 14.2% 2023 16.4% 2022 2.3% 2021 23.6% 2020 12.9% 2019 13.5% 2018 -0.1% 2017 27.7% 2016 3.7% 2015 7.4% Fund Manager information for SBI Equity Hybrid Fund
Name Since Tenure R. Srinivasan 1 Jan 12 13.68 Yr. Rajeev Radhakrishnan 1 Dec 23 1.75 Yr. Mansi Sajeja 1 Dec 23 1.75 Yr. Pradeep Kesavan 1 Dec 23 1.75 Yr. Data below for SBI Equity Hybrid Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 2.69% Equity 75.82% Debt 21.49% Equity Sector Allocation
Sector Value Financial Services 24.05% Basic Materials 10.21% Industrials 9.83% Consumer Cyclical 7.58% Communication Services 4.9% Technology 4.45% Health Care 3.98% Consumer Defensive 3.68% Utility 3.19% Energy 2.28% Real Estate 1.66% Debt Sector Allocation
Sector Value Corporate 11.77% Government 10.04% Cash Equivalent 2.37% Credit Quality
Rating Value A 9.41% AA 13.26% AAA 75.72% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 May 11 | HDFCBANK7% ₹5,139 Cr 54,000,000 Bharti Airtel Ltd (Communication Services)
Equity, Since 31 Jan 17 | BHARTIARTL4% ₹3,211 Cr 17,000,000 ICICI Bank Ltd (Financial Services)
Equity, Since 28 Feb 17 | ICICIBANK4% ₹2,935 Cr 21,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹2,836 Cr 281,501,100
↓ -50,000,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Apr 24 | KOTAKBANK4% ₹2,744 Cr 14,000,000 State Bank of India (Financial Services)
Equity, Since 28 Feb 14 | SBIN3% ₹2,648 Cr 33,000,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Jul 16 | SOLARINDS3% ₹2,469 Cr 1,790,000 MRF Ltd (Consumer Cyclical)
Equity, Since 31 May 18 | MRF3% ₹2,396 Cr 170,000 6.33% Govt Stock 2035
Sovereign Bonds | -3% ₹2,296 Cr 234,000,400
↑ 234,000,000 Divi's Laboratories Ltd (Healthcare)
Equity, Since 30 Apr 16 | DIVISLAB3% ₹2,269 Cr 3,700,000 5. SBI Multi Asset Allocation Fund
SBI Multi Asset Allocation Fund
Growth Launch Date 21 Dec 05 NAV (24 Oct 25) ₹62.4915 ↓ -0.21 (-0.33 %) Net Assets (Cr) ₹10,262 on 15 Sep 25 Category Hybrid - Multi Asset AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.46 Sharpe Ratio -0.1 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 30 Sep 20 ₹10,000 30 Sep 21 ₹12,263 30 Sep 22 ₹12,701 30 Sep 23 ₹14,832 30 Sep 24 ₹18,805 30 Sep 25 ₹20,129 Returns for SBI Multi Asset Allocation Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25 Duration Returns 1 Month 2.6% 3 Month 4% 6 Month 10% 1 Year 11.5% 3 Year 17.7% 5 Year 15.3% 10 Year 15 Year Since launch 9.7% Historical performance (Yearly) on absolute basis
Year Returns 2024 12.8% 2023 24.4% 2022 6% 2021 13% 2020 14.2% 2019 10.6% 2018 0.4% 2017 10.9% 2016 8.7% 2015 9.9% Fund Manager information for SBI Multi Asset Allocation Fund
Name Since Tenure Dinesh Balachandran 31 Oct 21 3.84 Yr. Mansi Sajeja 1 Dec 23 1.75 Yr. Vandna Soni 1 Jan 24 1.67 Yr. Data below for SBI Multi Asset Allocation Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 8.98% Equity 45.41% Debt 32.97% Other 12.65% Equity Sector Allocation
Sector Value Financial Services 12.75% Consumer Cyclical 6.77% Real Estate 5.04% Technology 4.29% Basic Materials 3.92% Consumer Defensive 3.77% Energy 3.75% Industrials 2.2% Utility 1.57% Health Care 0.96% Communication Services 0.38% Debt Sector Allocation
Sector Value Corporate 24.48% Cash Equivalent 9.65% Government 7.81% Credit Quality
Rating Value A 2.71% AA 54.28% AAA 41.04% Top Securities Holdings / Portfolio
Name Holding Value Quantity SBI Silver ETF
- | -6% ₹648 Cr 51,296,178 7.24% Govt Stock 2055
Sovereign Bonds | -5% ₹501 Cr 50,000,000
↑ 50,000,000 SBI Gold ETF
- | -3% ₹349 Cr 37,241,000 Nippon India Silver ETF
- | -3% ₹329 Cr 26,730,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 22 | HDFCBANK3% ₹257 Cr 2,662,000 Brookfield India Real Estate Trust (Real Estate)
-, Since 30 Apr 25 | 5432612% ₹253 Cr 7,664,234 Reliance Industries Ltd (Energy)
Equity, Since 15 Sep 24 | RELIANCE2% ₹241 Cr 1,720,000 Bharti Telecom Limited
Debentures | -2% ₹208 Cr 20,000 TATA Power Renewable Energy Limited
Debentures | -2% ₹205 Cr 20,000 Cholamandalam Investment And Finance Company Limited
Debentures | -2% ₹204 Cr 20,000 6. SBI Focused Equity Fund
SBI Focused Equity Fund
Growth Launch Date 11 Oct 04 NAV (23 Oct 25) ₹368.814 ↑ 0.21 (0.06 %) Net Assets (Cr) ₹37,764 on 31 Aug 25 Category Equity - Focused AMC SBI Funds Management Private Limited Rating ☆☆ Risk Moderately High Expense Ratio 1.58 Sharpe Ratio -0.2 Information Ratio -0.02 Alpha Ratio 5.18 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 30 Sep 20 ₹10,000 30 Sep 21 ₹16,618 30 Sep 22 ₹16,120 30 Sep 23 ₹18,333 30 Sep 24 ₹24,045 30 Sep 25 ₹24,691 Returns for SBI Focused Equity Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25 Duration Returns 1 Month 1.9% 3 Month 3.8% 6 Month 9.4% 1 Year 11.3% 3 Year 16.8% 5 Year 20.1% 10 Year 15 Year Since launch 18.6% Historical performance (Yearly) on absolute basis
Year Returns 2024 17.2% 2023 22.2% 2022 -8.5% 2021 43% 2020 14.5% 2019 16.1% 2018 -3.8% 2017 44.7% 2016 2.2% 2015 4.3% Fund Manager information for SBI Focused Equity Fund
Name Since Tenure R. Srinivasan 1 May 09 16.35 Yr. Data below for SBI Focused Equity Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Financial Services 30.7% Consumer Cyclical 21.29% Communication Services 12.29% Basic Materials 10.42% Consumer Defensive 5.36% Utility 5.34% Technology 4.51% Industrials 4.39% Health Care 2.87% Asset Allocation
Asset Class Value Cash 2.1% Equity 97.18% Debt 0.73% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Jan 13 | HDFCBANK7% ₹2,664 Cr 28,000,000 Alphabet Inc Class A (Communication Services)
Equity, Since 30 Sep 18 | 0RIH7% ₹2,619 Cr 1,400,000 Bharti Airtel Ltd (Partly Paid Rs.1.25) (Communication Services)
Equity, Since 30 Nov 21 | 8901575% ₹2,023 Cr 14,000,000 Bajaj Finserv Ltd (Financial Services)
Equity, Since 31 Mar 25 | BAJAJFINSV5% ₹1,914 Cr 10,000,000 State Bank of India (Financial Services)
Equity, Since 30 Sep 21 | SBIN5% ₹1,866 Cr 23,250,000 Muthoot Finance Ltd (Financial Services)
Equity, Since 29 Feb 20 | MUTHOOTFIN5% ₹1,846 Cr 7,000,000 Kotak Mahindra Bank Ltd (Financial Services)
Equity, Since 30 Jun 24 | KOTAKBANK5% ₹1,764 Cr 9,000,000 EPAM Systems Inc (Technology)
Equity, Since 31 Jan 25 | E3M5% ₹1,704 Cr 1,100,000 ICICI Bank Ltd (Financial Services)
Equity, Since 31 Oct 21 | ICICIBANK4% ₹1,538 Cr 11,000,000 Solar Industries India Ltd (Basic Materials)
Equity, Since 31 Jul 16 | SOLARINDS4% ₹1,517 Cr 1,100,000 7. SBI Credit Risk Fund
SBI Credit Risk Fund
Growth Launch Date 19 Jul 04 NAV (24 Oct 25) ₹46.6483 ↓ 0.00 (0.00 %) Net Assets (Cr) ₹2,210 on 15 Sep 25 Category Debt - Credit Risk AMC SBI Funds Management Private Limited Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.55 Sharpe Ratio 1.72 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 8.17% Effective Maturity 3 Years 18 Days Modified Duration 2 Years 2 Months 26 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,722 30 Sep 22 ₹11,089 30 Sep 23 ₹12,006 30 Sep 24 ₹12,950 30 Sep 25 ₹14,016 Returns for SBI Credit Risk Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25 Duration Returns 1 Month 0.6% 3 Month 1.4% 6 Month 3.4% 1 Year 8.4% 3 Year 8.3% 5 Year 6.8% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Lokesh Mallya 1 Feb 17 8.59 Yr. Data below for SBI Credit Risk Fund as on 15 Sep 25
Asset Allocation
Asset Class Value Cash 5.16% Equity 3.01% Debt 91.46% Other 0.36% Debt Sector Allocation
Sector Value Corporate 69.63% Government 21.83% Cash Equivalent 5.16% Credit Quality
Rating Value A 20.2% AA 64.02% AAA 15.78% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.92% Govt Stock 2039
Sovereign Bonds | -7% ₹151 Cr 15,000,000 Aadhar Housing Finance Limited
Debentures | -5% ₹113 Cr 11,200 6.79% Govt Stock 2034
Sovereign Bonds | -5% ₹107 Cr 10,500,000
↑ 2,500,000 Infopark Properties Limited
Debentures | -5% ₹106 Cr 10,500 Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -5% ₹106 Cr 11,000 National Bank For Agriculture And Rural Development
Debentures | -5% ₹102 Cr 10,000
↑ 10,000 H.G. Infra Engineering Limited
Debentures | -5% ₹100 Cr 10,000 Nj Capital Private Limited
Debentures | -5% ₹99 Cr 10,000 The Sandur Manganese And Iron Ores Limited
Debentures | -4% ₹83 Cr 8,500 Avanse Financial Services Limited
Debentures | -4% ₹80 Cr 8,000 8. SBI Short Term Debt Fund
SBI Short Term Debt Fund
Growth Launch Date 27 Jul 07 NAV (24 Oct 25) ₹32.8446 ↑ 0.00 (0.01 %) Net Assets (Cr) ₹16,387 on 31 Aug 25 Category Debt - Short term Bond AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Moderately Low Expense Ratio 0.84 Sharpe Ratio 1.26 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 3 Years 5 Months 26 Days Modified Duration 2 Years 9 Months 14 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,475 30 Sep 22 ₹10,721 30 Sep 23 ₹11,449 30 Sep 24 ₹12,334 30 Sep 25 ₹13,320 Returns for SBI Short Term Debt Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25 Duration Returns 1 Month 0.7% 3 Month 1.3% 6 Month 3.2% 1 Year 8.2% 3 Year 7.7% 5 Year 5.8% 10 Year 15 Year Since launch Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Mansi Sajeja 1 Dec 23 1.75 Yr. Data below for SBI Short Term Debt Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 8.32% Debt 91.41% Other 0.27% Debt Sector Allocation
Sector Value Corporate 63.81% Government 27.19% Securitized 4.5% Cash Equivalent 4.23% Credit Quality
Rating Value AA 12.64% AAA 87.36% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.33% Govt Stock 2035
Sovereign Bonds | -5% ₹840 Cr 85,000,000
↓ -15,000,000 7.17% Govt Stock 2030
Sovereign Bonds | -4% ₹682 Cr 66,000,000 6.79% Govt Stock 2034
Sovereign Bonds | -4% ₹660 Cr 65,000,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹507 Cr 50,000 Rec Limited
Debentures | -3% ₹507 Cr 50,000 08.32 RJ Sdl 2029
Sovereign Bonds | -3% ₹471 Cr 45,000,000 TATA Communications Limited
Debentures | -2% ₹403 Cr 40,000 Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Tru
Unlisted bonds | -2% ₹375 Cr 375
↑ 375 Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure
Unlisted bonds | -2% ₹375 Cr 375
↑ 375 National Bank For Agriculture And Rural Development
Debentures | -2% ₹373 Cr 37,500 9. SBI Healthcare Opportunities Fund
SBI Healthcare Opportunities Fund
Growth Launch Date 31 Dec 04 NAV (23 Oct 25) ₹440.458 ↓ -0.27 (-0.06 %) Net Assets (Cr) ₹3,963 on 31 Aug 25 Category Equity - Sectoral AMC SBI Funds Management Private Limited Rating ☆☆ Risk High Expense Ratio 1.97 Sharpe Ratio -0.05 Information Ratio 0.38 Alpha Ratio 2.04 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 30 Sep 20 ₹10,000 30 Sep 21 ₹13,138 30 Sep 22 ₹12,251 30 Sep 23 ₹15,800 30 Sep 24 ₹23,614 30 Sep 25 ₹23,646 Returns for SBI Healthcare Opportunities Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25 Duration Returns 1 Month 1.8% 3 Month 0.1% 6 Month 4.2% 1 Year 8.1% 3 Year 26% 5 Year 20% 10 Year 15 Year Since launch 15.5% Historical performance (Yearly) on absolute basis
Year Returns 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% 2015 27.1% Fund Manager information for SBI Healthcare Opportunities Fund
Name Since Tenure Tanmaya Desai 1 Jun 11 14.26 Yr. Data below for SBI Healthcare Opportunities Fund as on 31 Aug 25
Equity Sector Allocation
Sector Value Health Care 90.36% Basic Materials 5.79% Asset Allocation
Asset Class Value Cash 3.85% Equity 96.15% Top Securities Holdings / Portfolio
Name Holding Value Quantity Sun Pharmaceuticals Industries Ltd (Healthcare)
Equity, Since 31 Dec 17 | SUNPHARMA11% ₹431 Cr 2,700,000 Divi's Laboratories Ltd (Healthcare)
Equity, Since 31 Mar 12 | DIVISLAB7% ₹270 Cr 440,000 Max Healthcare Institute Ltd Ordinary Shares (Healthcare)
Equity, Since 31 Mar 21 | 5432206% ₹242 Cr 2,100,000 Cipla Ltd (Healthcare)
Equity, Since 31 Aug 16 | CIPLA5% ₹191 Cr 1,200,000 Lonza Group Ltd ADR (Healthcare)
Equity, Since 31 Jan 24 | LO3A4% ₹168 Cr 270,000 Lupin Ltd (Healthcare)
Equity, Since 31 Aug 23 | LUPIN4% ₹159 Cr 840,000 Torrent Pharmaceuticals Ltd (Healthcare)
Equity, Since 30 Jun 21 | TORNTPHARM4% ₹142 Cr 400,000
↑ 80,000 Mankind Pharma Ltd (Healthcare)
Equity, Since 30 Apr 23 | MANKIND3% ₹138 Cr 560,000 Fortis Healthcare Ltd (Healthcare)
Equity, Since 30 Apr 21 | FORTIS3% ₹137 Cr 1,500,000 Gland Pharma Ltd (Healthcare)
Equity, Since 30 Nov 20 | GLAND3% ₹131 Cr 700,000 10. SBI Banking and PSU Fund
SBI Banking and PSU Fund
Growth Launch Date 9 Oct 09 NAV (24 Oct 25) ₹3,183.18 ↓ -0.82 (-0.03 %) Net Assets (Cr) ₹4,065 on 31 Aug 25 Category Debt - Banking & PSU Debt AMC SBI Funds Management Private Limited Rating ☆☆☆ Risk Moderate Expense Ratio 0.8 Sharpe Ratio 0.77 Information Ratio 0 Alpha Ratio 0 Min Investment 5,000 Min SIP Investment 500 Exit Load NIL Yield to Maturity 6.94% Effective Maturity 5 Years 10 Months 24 Days Modified Duration 4 Years 1 Month 2 Days Growth of 10,000 investment over the years.
Date Value 30 Sep 20 ₹10,000 30 Sep 21 ₹10,492 30 Sep 22 ₹10,679 30 Sep 23 ₹11,384 30 Sep 24 ₹12,270 30 Sep 25 ₹13,201 Returns for SBI Banking and PSU Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Oct 25 Duration Returns 1 Month 0.8% 3 Month 1.2% 6 Month 3% 1 Year 8% 3 Year 7.5% 5 Year 5.5% 10 Year 15 Year Since launch 7.5% Historical performance (Yearly) on absolute basis
Year Returns 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
Name Since Tenure Ardhendu Bhattacharya 1 Dec 23 1.75 Yr. Pradeep Kesavan 1 Dec 23 1.75 Yr. Data below for SBI Banking and PSU Fund as on 31 Aug 25
Asset Allocation
Asset Class Value Cash 12.44% Debt 87.2% Other 0.35% Debt Sector Allocation
Sector Value Corporate 45.86% Government 43.15% Cash Equivalent 10.64% Credit Quality
Rating Value AA 7.35% AAA 92.65% Top Securities Holdings / Portfolio
Name Holding Value Quantity 7.24% Govt Stock 2055
Sovereign Bonds | -7% ₹296 Cr 29,500,000
↑ 19,500,000 Power Grid Corporation Of India Limited
Debentures | -5% ₹211 Cr 23,000 Ongc Petro Additions Limited
Debentures | -4% ₹177 Cr 17,500 National Bank For Financing Infrastructure And Development
Debentures | -4% ₹172 Cr 17,000 ICICI Bank Limited
Debentures | -4% ₹161 Cr 1,600 GAil (India) Limited
Debentures | -4% ₹152 Cr 1,500 India Infrastructure Finance Company Limited
Debentures | -4% ₹150 Cr 15,000 National Highways Infra TRust
Debentures | -3% ₹124 Cr 25,000 Nuclear Power Corporation Of India Limited
Debentures | -3% ₹106 Cr 10,400 Power Finance Corporation Limited
Debentures | -2% ₹101 Cr 10,000
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