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2022 এর জন্য SBI মিউচুয়াল ফান্ডের 10টি সেরা ঋণ তহবিল | Fincash.com

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SBI মিউচুয়াল ফান্ড 2022-এর 10টি সেরা ঋণ তহবিল

Updated on April 27, 2025 , 47777 views

ঋণ তহবিল দ্বারাএসবিআই মিউচুয়াল ফান্ড নিয়মিত উৎপন্ন করার লক্ষ্যআয় স্বল্প থেকে মধ্য মেয়াদে। এই তহবিলগুলি ঋণে বিনিয়োগ করা হয়/বাজার অর্থ যন্ত্র। স্বল্প সময়ের মধ্যে ভাল রিটার্ন উপার্জনের জন্য ঋণ তহবিল একটি ভাল বিকল্প।

যে বিনিয়োগকারীরা কয়েকদিন থেকে এক মাসের জন্য বিনিয়োগ করতে চান,তরল তহবিল এবং অতি-স্বল্পমেয়াদী ঋণ তহবিল প্রাসঙ্গিক হতে পারে। যে ব্যক্তি এক বা দুই বছরের জন্য বিনিয়োগ করতে চান তিনি স্বল্পমেয়াদী তহবিলে বিনিয়োগ করতে পারেন। এবং দীর্ঘ সময়ের জন্য যেমন 3 বছরেরও বেশি সময়ের জন্য, দীর্ঘমেয়াদী ঋণ তহবিল উপযুক্ত হতে পারে, এতে কিছু ঝুঁকি জড়িত।

এসবিআই মিউচুয়াল ফান্ড ভারতে শীর্ষস্থানীয় কিছু ঋণ তহবিল অফার করে। সেরা SBI স্কিমগুলি তাদের অতীতের পারফরম্যান্স, AUM, ইত্যাদির দ্বারা গৃহীত হয়েছে৷ বিনিয়োগ করতে ইচ্ছুক বিনিয়োগকারীরা এই তহবিলে বিনিয়োগ করতে পারেন এবং ঋণ বাজারের সুবিধা গ্রহণ করে স্থির আয় তৈরি করতে পারেন৷

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SBI

কেন এসবিআই মিউচুয়াল ফান্ডে বিনিয়োগ করবেন?

  • বৃহৎ প্রশংসা:বিনিয়োগ SBI-এ MF আপনাকে একটি দিতে পারেমূলধন আপনি যে তহবিল বিনিয়োগ করতে চান তার উপর নির্ভর করে কম-ঝুঁকির বিনিয়োগের পাশাপাশি উচ্চ-ঝুঁকির বিনিয়োগের জন্য প্রশংসা।

  • নিরাপত্তা: SBI-এর মিউচুয়াল ফান্ড স্কিমগুলি দেশের বিশ্বস্ত এবং নির্ভরযোগ্য ফান্ড স্কিমগুলির মধ্যে একটি৷

  • বিকল্প বিভিন্ন: SBI মিউচুয়াল ফান্ডে বিনিয়োগ একটি বিস্তৃত সাথে আসেপরিসর পছন্দের মধ্যে, আপনি SBI দ্বারা অফার করা এই স্কিমগুলিতে স্বল্প-মেয়াদী, মধ্য-মেয়াদী এবং দীর্ঘমেয়াদী জন্য বিনিয়োগ করতে পারেন।

  • গার্হস্থ্য এবং অফশোর তহবিল ব্যবস্থাপনা: কোম্পানির গার্হস্থ্য এবং উভয় পরিচালনায় দক্ষতা রয়েছেসমুদ্রতীরাতিক্রান্ত তহবিল

  • এনআরআই বিনিয়োগ: কোম্পানিটি এনআরআইদেরও এতে বিনিয়োগ করার অনুমতি দেয়যৌথ পুঁজি.

সেরা এসবিআই পারফর্মিং ডেট মিউচুয়াল ফান্ড

FundNAVNet Assets (Cr)3 MO (%)6 MO (%)1 YR (%)3 YR (%)2023 (%)Debt Yield (YTM)Mod. DurationEff. Maturity
SBI Magnum Constant Maturity Fund Growth ₹63.8571
↑ 0.23
₹1,8314.26.512.38.49.16.74%6Y 9M 22D9Y 9M 29D
SBI Magnum Gilt Fund Growth ₹66.8354
↑ 0.28
₹11,4894.56.112.18.78.96.97%10Y 2M 1D24Y 14D
SBI Dynamic Bond Fund Growth ₹35.8932
↑ 0.10
₹3,41045.511.28.28.67.22%8Y 5M 5D17Y 2M 5D
SBI Magnum Income Fund Growth ₹70.6659
↑ 0.20
₹1,9183.55.210.47.68.17.42%6Y 2M 26D10Y 6M 14D
SBI Magnum Medium Duration Fund Growth ₹50.8413
↑ 0.08
₹6,4813.15.19.77.48.17.76%3Y 9M 22D5Y 6M
SBI Banking and PSU Fund Growth ₹3,092.76
↑ 3.45
₹3,8353.24.89.36.77.77.28%3Y 10M 10D5Y 4M 24D
SBI Short Term Debt Fund Growth ₹31.8378
↑ 0.03
₹13,95934.89.36.97.77.33%2Y 9M 11D3Y 10M 20D
SBI Credit Risk Fund Growth ₹45.1417
↑ 0.04
₹2,2552.84.89.37.78.18.51%2Y 2M 12D3Y 14D
SBI Magnum Low Duration Fund Growth ₹3,456.44
↑ 0.96
₹14,3922.33.97.76.67.37.43%11M 1D1Y 5M 5D
SBI Savings Fund Growth ₹41.0229
↑ 0.01
₹24,0032.33.97.66.77.37.3%9M9M 18D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Apr 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 (29 Apr 25) ₹63.8571 ↑ 0.23   (0.36 %)
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
31 Mar 20₹10,000
31 Mar 21₹10,595
31 Mar 22₹10,971
31 Mar 23₹11,385
31 Mar 24₹12,324
31 Mar 25₹13,484

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 29 Apr 25

DurationReturns
1 Month 2.3%
3 Month 4.2%
6 Month 6.5%
1 Year 12.3%
3 Year 8.4%
5 Year 6.3%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2023 9.1%
2022 7.5%
2021 1.3%
2020 2.4%
2019 11.6%
2018 11.9%
2017 9.9%
2016 6.2%
2015 12.8%
2014 9.1%
Fund Manager information for SBI Magnum Constant Maturity Fund
NameSinceTenure
Rajeev Radhakrishnan1 Nov 231.41 Yr.
Tejas Soman1 Dec 231.33 Yr.

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

Asset Allocation
Asset ClassValue
Cash1.58%
Debt98.42%
Debt Sector Allocation
SectorValue
Government98.42%
Cash Equivalent1.58%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.1% Govt Stock 2034
Sovereign Bonds | -
73%₹1,347 Cr129,000,000
↑ 3,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
26%₹479 Cr45,500,000
Treps
CBLO/Reverse Repo | -
1%₹23 Cr
Net Receivable / Payable
CBLO | -
0%₹7 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 (29 Apr 25) ₹66.8354 ↑ 0.28   (0.42 %)
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
31 Mar 20₹10,000
31 Mar 21₹10,724
31 Mar 22₹11,112
31 Mar 23₹11,744
31 Mar 24₹12,773
31 Mar 25₹13,915

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 29 Apr 25

DurationReturns
1 Month 2.3%
3 Month 4.5%
6 Month 6.1%
1 Year 12.1%
3 Year 8.7%
5 Year 7%
10 Year
15 Year
Since launch 8.1%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.9%
2022 7.6%
2021 4.2%
2020 3%
2019 11.7%
2018 13.1%
2017 5.1%
2016 3.9%
2015 16.3%
2014 7.3%
Fund Manager information for SBI Magnum Gilt Fund
NameSinceTenure
Rajeev Radhakrishnan1 Nov 231.41 Yr.
Tejas Soman1 Dec 231.33 Yr.

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

Asset Allocation
Asset ClassValue
Cash2.03%
Debt97.97%
Debt Sector Allocation
SectorValue
Government97.97%
Cash Equivalent2.03%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
35%₹4,199 Cr395,500,000
↓ -11,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
29%₹3,472 Cr338,327,500
↑ 200,001,100
7.3% Govt Stock 2053
Sovereign Bonds | -
9%₹1,119 Cr106,000,000
7.14% Maharashtra SDL 2039
Sovereign Bonds | -
7%₹803 Cr78,000,000
↑ 78,000,000
7.12% Maharashtra SDL 2038
Sovereign Bonds | -
4%₹520 Cr50,706,900
↑ 206,900
India (Republic of) 6.9%
Sovereign Bonds | -
3%₹416 Cr41,500,000
↑ 41,500,000
7.17% State Government Securities
Sovereign Bonds | -
3%₹306 Cr29,810,700
7.26% Govt Stock 2033
Sovereign Bonds | -
2%₹268 Cr25,500,000
↓ -4,500,000
7.13% State Government Of Karnataka 2041
Sovereign Bonds | -
2%₹253 Cr24,548,600
07.36 MH Sdl 21/02/2035
Sovereign Bonds | -
1%₹131 Cr12,500,000
↑ 12,500,000

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 (29 Apr 25) ₹35.8932 ↑ 0.10   (0.27 %)
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
31 Mar 20₹10,000
31 Mar 21₹10,605
31 Mar 22₹10,908
31 Mar 23₹11,508
31 Mar 24₹12,473
31 Mar 25₹13,494

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 29 Apr 25

DurationReturns
1 Month 2.2%
3 Month 4%
6 Month 5.5%
1 Year 11.2%
3 Year 8.2%
5 Year 6.4%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.6%
2022 7.1%
2021 4.2%
2020 2%
2019 10.4%
2018 12.7%
2017 5.1%
2016 3.9%
2015 15.3%
2014 5.8%
Fund Manager information for SBI Dynamic Bond Fund
NameSinceTenure
Rajeev Radhakrishnan1 Nov 231.42 Yr.
Tejas Soman31 Dec 231.25 Yr.
Pradeep Kesavan31 Dec 231.25 Yr.

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

Asset Allocation
Asset ClassValue
Cash1.67%
Debt98.07%
Other0.26%
Debt Sector Allocation
SectorValue
Government69.01%
Corporate29.06%
Cash Equivalent1.67%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.34% Govt Stock 2064
Sovereign Bonds | -
17%₹600 Cr56,500,000
↑ 5,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
12%₹431 Cr42,000,000
↑ 26,000,000
India (Republic of) 6.9%
Sovereign Bonds | -
9%₹316 Cr31,500,000
↑ 31,500,000
8.83% Govt Stock 2041
Sovereign Bonds | -
7%₹242 Cr20,000,000
7.3% Govt Stock 2053
Sovereign Bonds | -
6%₹195 Cr18,500,000
Highways Infrastructure Trust
Debentures | -
5%₹165 Cr16,250
Reliance Jio Infratel Private Limited
Debentures | -
5%₹159 Cr1,500
6.92% Govt Stock 2039
Sovereign Bonds | -
4%₹155 Cr15,000,000
↓ -5,000,000
7.4% Power Finance Corporation Limited**
Debentures | -
4%₹154 Cr15,000
7.58% LIC Housing Finance Limited (23/03/2035)
Debentures | -
4%₹153 Cr15,000

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 (29 Apr 25) ₹70.6659 ↑ 0.20   (0.29 %)
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
31 Mar 20₹10,000
31 Mar 21₹10,810
31 Mar 22₹11,246
31 Mar 23₹11,747
31 Mar 24₹12,664
31 Mar 25₹13,698

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 29 Apr 25

DurationReturns
1 Month 1.9%
3 Month 3.5%
6 Month 5.2%
1 Year 10.4%
3 Year 7.6%
5 Year 6.9%
10 Year
15 Year
Since launch 7.7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.1%
2022 7.2%
2021 3%
2020 3.6%
2019 11.6%
2018 11.7%
2017 4.7%
2016 5.7%
2015 13.4%
2014 6%
Fund Manager information for SBI Magnum Income Fund
NameSinceTenure
Lokesh Mallya1 Dec 231.33 Yr.
Adesh Sharma1 Dec 231.33 Yr.

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

Asset Allocation
Asset ClassValue
Cash4.78%
Debt94.96%
Other0.26%
Debt Sector Allocation
SectorValue
Government65.16%
Corporate29.8%
Cash Equivalent4.78%
Credit Quality
RatingValue
AA32.82%
AAA67.18%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
34%₹662 Cr64,500,000
↑ 4,000,000
7.23% Govt Stock 2039
Sovereign Bonds | -
15%₹292 Cr27,500,000
7.3% Govt Stock 2053
Sovereign Bonds | -
9%₹174 Cr16,500,000
↑ 2,500,000
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
7.34% Govt Stock 2064
Sovereign Bonds | -
3%₹53 Cr5,000,000
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 (29 Apr 25) ₹50.8413 ↑ 0.08   (0.15 %)
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
31 Mar 20₹10,000
31 Mar 21₹10,898
31 Mar 22₹11,430
31 Mar 23₹11,925
31 Mar 24₹12,836
31 Mar 25₹13,902

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 29 Apr 25

DurationReturns
1 Month 1.5%
3 Month 3.1%
6 Month 5.1%
1 Year 9.7%
3 Year 7.4%
5 Year 7.2%
10 Year
15 Year
Since launch 7.9%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.1%
2022 7.2%
2021 3.4%
2020 3.8%
2019 12.3%
2018 11.1%
2017 6.2%
2016 7.6%
2015 14%
2014 6.6%
Fund Manager information for SBI Magnum Medium Duration Fund
NameSinceTenure
Lokesh Mallya1 Dec 231.33 Yr.
Mohit Jain30 Nov 177.34 Yr.

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

Asset Allocation
Asset ClassValue
Cash12.02%
Debt87.69%
Other0.3%
Debt Sector Allocation
SectorValue
Corporate49.85%
Government38.92%
Cash Equivalent10.93%
Credit Quality
RatingValue
A7.36%
AA44.98%
AAA47.67%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
6.79% Govt Stock 2034
Sovereign Bonds | -
13%₹862 Cr84,000,000
↑ 17,500,000
7.18% Govt Stock 2033
Sovereign Bonds | -
12%₹801 Cr76,500,000
7.18% Govt Stock 2037
Sovereign Bonds | -
9%₹564 Cr53,500,000
Godrej Properties Limited
Debentures | -
5%₹303 Cr30,000
7.23% Govt Stock 2039
Sovereign Bonds | -
4%₹292 Cr27,500,000
Avanse Financial Services Ltd.
Debentures | -
4%₹251 Cr25,000
Renew Solar Energy (Jharkhand Five) Private Limited
Debentures | -
4%₹233 Cr24,000
Yes Bank Limited
Debentures | -
3%₹223 Cr2,250
Century Textiles And Industried Limited
Debentures | -
3%₹223 Cr22,000
Renserv Global Pvt Ltd.
Debentures | -
3%₹210 Cr21,000

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 7.5% 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 (29 Apr 25) ₹3,092.76 ↑ 3.45   (0.11 %)
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
31 Mar 20₹10,000
31 Mar 21₹10,747
31 Mar 22₹11,174
31 Mar 23₹11,568
31 Mar 24₹12,385
31 Mar 25₹13,368

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 29 Apr 25

DurationReturns
1 Month 1.5%
3 Month 3.2%
6 Month 4.8%
1 Year 9.3%
3 Year 6.7%
5 Year 6.2%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.7%
2022 6.6%
2021 2.9%
2020 2.6%
2019 10.5%
2018 9.7%
2017 7.4%
2016 6.4%
2015 8.3%
2014 8.7%
Fund Manager information for SBI Banking and PSU Fund
NameSinceTenure
Rajeev Radhakrishnan16 Nov 1311.38 Yr.
Ardhendu Bhattacharya1 Dec 231.33 Yr.
Pradeep Kesavan1 Dec 231.33 Yr.

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

Asset Allocation
Asset ClassValue
Cash4.91%
Debt94.73%
Other0.36%
Debt Sector Allocation
SectorValue
Government48.92%
Corporate47.66%
Cash Equivalent3.07%
Credit Quality
RatingValue
AA10.76%
AAA89.24%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Power Grid Corporation Of India Limited
Debentures | -
5%₹212 Cr23,000
Nuclear Power Corporation Of India Limited
Debentures | -
5%₹209 Cr20,400
National Bank For Financing Infrastructure And Development
Debentures | -
5%₹184 Cr18,000
7.04% Andhra Pradesh State Development Loans (26/03/2033)
Sovereign Bonds | -
5%₹178 Cr17,499,900
Rural Electrification Corporation Limited
Debentures | -
5%₹177 Cr175
↑ 175
Ongc Petro Additions Ltd.
Debentures | -
5%₹177 Cr17,500
GAil (India) Limited
Debentures | -
4%₹152 Cr1,500
National Bank for Financing Infrastructure & Development
Domestic Bonds | -
4%₹151 Cr15,000
↑ 5,000
India (Republic of) 6.9%
Sovereign Bonds | -
4%₹150 Cr15,000,000
↑ 15,000,000
National Highways Infra Trust
Debentures | -
3%₹124 Cr25,000

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 (29 Apr 25) ₹31.8378 ↑ 0.03   (0.10 %)
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
31 Mar 20₹10,000
31 Mar 21₹10,731
31 Mar 22₹11,170
31 Mar 23₹11,635
31 Mar 24₹12,461
31 Mar 25₹13,464

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 29 Apr 25

DurationReturns
1 Month 1.5%
3 Month 3%
6 Month 4.8%
1 Year 9.3%
3 Year 6.9%
5 Year 6.3%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.7%
2022 6.7%
2021 3.5%
2020 2.8%
2019 9.9%
2018 9.5%
2017 6%
2016 5.7%
2015 9.9%
2014 8.2%
Fund Manager information for SBI Short Term Debt Fund
NameSinceTenure
Rajeev Radhakrishnan2 Jun 0816.84 Yr.
Mansi Sajeja1 Dec 231.33 Yr.

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

Asset Allocation
Asset ClassValue
Cash10.32%
Debt89.42%
Other0.25%
Debt Sector Allocation
SectorValue
Corporate58.93%
Government30.49%
Cash Equivalent10.32%
Credit Quality
RatingValue
AA12.74%
AAA87.26%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.18% Govt Stock 2033
Sovereign Bonds | -
6%₹943 Cr90,000,000
↓ -13,000,000
6.79% Govt Stock 2034
Sovereign Bonds | -
6%₹924 Cr90,000,000
↓ -10,000,000
7.17% Govt Stock 2030
Sovereign Bonds | -
6%₹904 Cr87,000,000
7.32% Govt Stock 2030
Sovereign Bonds | -
4%₹524 Cr50,000,000
Small Industries Development Bank of India
Debentures | -
3%₹507 Cr50,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹507 Cr50,000
National Bank For Agriculture And Rural Development
Debentures | -
3%₹506 Cr50,000
REC Ltd.
Debentures | -
3%₹506 Cr50,000
Tata Communications Limited
Debentures | -
3%₹403 Cr40,000
Jamnagar Utilities And Power Private Limited
Debentures | -
3%₹397 Cr39,000

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 (29 Apr 25) ₹45.1417 ↑ 0.04   (0.08 %)
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
31 Mar 20₹10,000
31 Mar 21₹10,803
31 Mar 22₹11,404
31 Mar 23₹11,939
31 Mar 24₹12,987
31 Mar 25₹14,076

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 29 Apr 25

DurationReturns
1 Month 1.2%
3 Month 2.8%
6 Month 4.8%
1 Year 9.3%
3 Year 7.7%
5 Year 7.6%
10 Year
15 Year
Since launch 7.5%
Historical performance (Yearly) on absolute basis
YearReturns
2023 8.1%
2022 8.3%
2021 4.2%
2020 5%
2019 9.8%
2018 6.5%
2017 6.2%
2016 6.9%
2015 10.5%
2014 9.7%
Fund Manager information for SBI Credit Risk Fund
NameSinceTenure
Lokesh Mallya1 Feb 178.16 Yr.
Pradeep Kesavan1 Dec 231.33 Yr.
Adesh Sharma1 Dec 231.33 Yr.

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

Asset Allocation
Asset ClassValue
Cash11.27%
Equity3.21%
Debt85.17%
Other0.35%
Debt Sector Allocation
SectorValue
Corporate70.08%
Government15.09%
Cash Equivalent11.27%
Credit Quality
RatingValue
A17.76%
AA66.14%
AAA16.1%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
7.23% Govt Stock 2039
Sovereign Bonds | -
9%₹202 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
Renserv Global Pvt Ltd.
Debentures | -
4%₹80 Cr8,000

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 (29 Apr 25) ₹3,456.44 ↑ 0.96   (0.03 %)
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
31 Mar 20₹10,000
31 Mar 21₹10,567
31 Mar 22₹10,939
31 Mar 23₹11,460
31 Mar 24₹12,260
31 Mar 25₹13,158

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 29 Apr 25

DurationReturns
1 Month 1%
3 Month 2.3%
6 Month 3.9%
1 Year 7.7%
3 Year 6.6%
5 Year 5.7%
10 Year
15 Year
Since launch
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.3%
2022 6.7%
2021 4%
2020 3.2%
2019 6.7%
2018 8.3%
2017 7.5%
2016 6.6%
2015 8.3%
2014 8.6%
Fund Manager information for SBI Magnum Low Duration Fund
NameSinceTenure
Rajeev Radhakrishnan9 Jun 0816.82 Yr.

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

Asset Allocation
Asset ClassValue
Cash30.79%
Debt68.99%
Other0.22%
Debt Sector Allocation
SectorValue
Corporate62.92%
Government20.24%
Cash Equivalent16.63%
Credit Quality
RatingValue
AA7.12%
AAA92.88%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
07.03 CG Sdl 2026
Sovereign Bonds | -
6%₹856 Cr84,992,300
TRent Limited
Debentures | -
3%₹492 Cr5,000
HDFC Bank Ltd.
Debentures | -
3%₹470 Cr10,000
Indigrid Infrastructure Trust
Debentures | -
3%₹387 Cr3,850
7.3% Govt Stock 2028
Sovereign Bonds | -
3%₹378 Cr37,500,000
National Bank For Agriculture And Rural Development
Debentures | -
2%₹304 Cr30,000
Punjab National Bank
Domestic Bonds | -
2%₹282 Cr6,000
Rec Limited
Debentures | -
2%₹277 Cr27,500
INDIA UNIVERSAL TRUST AL2
Unlisted bonds | -
2%₹263 Cr327
7.81% Govt Stock 2033
Sovereign Bonds | -
2%₹259 Cr25,000,000

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 (29 Apr 25) ₹41.0229 ↑ 0.01   (0.02 %)
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
31 Mar 20₹10,000
31 Mar 21₹10,508
31 Mar 22₹10,870
31 Mar 23₹11,424
31 Mar 24₹12,233
31 Mar 25₹13,125

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 29 Apr 25

DurationReturns
1 Month 0.9%
3 Month 2.3%
6 Month 3.9%
1 Year 7.6%
3 Year 6.7%
5 Year 5.7%
10 Year
15 Year
Since launch 7%
Historical performance (Yearly) on absolute basis
YearReturns
2023 7.3%
2022 6.9%
2021 4.3%
2020 3.3%
2019 5.7%
2018 7.7%
2017 7.1%
2016 6.3%
2015 8.4%
2014 8.3%
Fund Manager information for SBI Savings Fund
NameSinceTenure
Rajeev Radhakrishnan1 Dec 231.33 Yr.

Data below for SBI Savings Fund as on 31 Mar 25

Asset Allocation
Asset ClassValue
Cash63.14%
Debt36.53%
Other0.32%
Debt Sector Allocation
SectorValue
Corporate41.67%
Government29.23%
Cash Equivalent28.77%
Credit Quality
RatingValue
AAA100%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd.
Debentures | -
5%₹1,214 Cr26,000
↑ 26,000
Punjab National Bank
Domestic Bonds | -
5%₹1,122 Cr24,000
↑ 24,000
07.00 RJ Sdl 2025
Sovereign Bonds | -
3%₹801 Cr80,000,000
National Bank for Agriculture and Rural Development
Domestic Bonds | -
3%₹701 Cr15,000
↑ 15,000
Csb Bank Ltd
Debentures | -
2%₹482 Cr10,000
↑ 10,000
Indian Bank
Domestic Bonds | -
2%₹420 Cr9,000
↑ 9,000
06.89 RJ Sdl 2025
Sovereign Bonds | -
1%₹305 Cr30,500,000
Equitas Small Finance Bank Ltd.
Debentures | -
1%₹279 Cr6,000
↑ 6,000
08.00 Tn SDL 2025
Sovereign Bonds | -
1%₹267 Cr26,500,000
08.14 RJ Sdl 2025
Sovereign Bonds | -
1%₹237 Cr23,491,500

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POST A COMMENT

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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