എസ്ബിഐ മ്യൂച്വൽ ഫണ്ട് 2022-ൽ നിന്നുള്ള 10 മികച്ച ഡെറ്റ് ഫണ്ടുകൾ

Updated on December 20, 2025 , 48363 views

ഡെറ്റ് ഫണ്ട് വഴിഎസ്ബിഐ മ്യൂച്വൽ ഫണ്ട് പതിവായി സൃഷ്ടിക്കാൻ ലക്ഷ്യമിടുന്നുവരുമാനം ഹ്രസ്വവും മധ്യകാലവും. ഈ ഫണ്ടുകൾ കടത്തിൽ നിക്ഷേപിച്ചിരിക്കുന്നു/വിപണി പണം ഉപകരണങ്ങൾ. കുറഞ്ഞ കാലയളവിനുള്ളിൽ നല്ല വരുമാനം നേടാനുള്ള നല്ലൊരു ഓപ്ഷനാണ് ഡെറ്റ് ഫണ്ടുകൾ.

രണ്ട് ദിവസം മുതൽ ഒരു മാസം വരെ നിക്ഷേപം നടത്താൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർ,ലിക്വിഡ് ഫണ്ടുകൾ ഒപ്പം അൾട്രാ-ഹ്രസ്വകാല ഡെറ്റ് ഫണ്ടുകൾ പ്രസക്തമായിരിക്കാം. ഒന്നോ രണ്ടോ വർഷത്തേക്ക് നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന ഒരാൾക്ക് ഹ്രസ്വകാല ഫണ്ടുകളിൽ നിക്ഷേപിക്കാം. 3 വർഷത്തിലേറെയായി ദീർഘകാലത്തേക്ക്, ദീർഘകാല ഡെറ്റ് ഫണ്ടുകൾ അനുയോജ്യമാണ്, അതിൽ ചില അപകടസാധ്യതകൾ ഉൾപ്പെടുന്നു.

എസ്ബിഐ മ്യൂച്വൽ ഫണ്ട് ഇന്ത്യയിൽ മികച്ച പ്രകടനം നടത്തുന്ന ചില ഡെറ്റ് ഫണ്ടുകൾ വാഗ്ദാനം ചെയ്യുന്നു. മികച്ച എസ്‌ബിഐ സ്കീമുകൾ അവരുടെ മുൻകാല പ്രകടനങ്ങൾ, AUM മുതലായവ മുഖേനയാണ് ഏറ്റെടുത്തിരിക്കുന്നത്. നിക്ഷേപം നടത്താൻ ആഗ്രഹിക്കുന്ന നിക്ഷേപകർക്ക് ഈ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുകയും ഡെറ്റ് മാർക്കറ്റുകൾ പ്രയോജനപ്പെടുത്തി സ്ഥിരമായ വരുമാനം ഉണ്ടാക്കുകയും ചെയ്യാം.

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എസ്ബിഐ മ്യൂച്വൽ ഫണ്ടുകളിൽ നിക്ഷേപിക്കുന്നത് എന്തുകൊണ്ട്?

മൂലധന വിലമതിപ്പ്:നിക്ഷേപിക്കുന്നു എസ്ബിഐയിൽ MF നിങ്ങൾക്ക് ഒരു നൽകാംമൂലധനം നിങ്ങൾ നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന ഫണ്ടിനെ ആശ്രയിച്ച് കുറഞ്ഞ അപകടസാധ്യതയുള്ള നിക്ഷേപങ്ങൾക്കും ഉയർന്ന അപകടസാധ്യതയുള്ള നിക്ഷേപങ്ങൾക്കുമുള്ള അഭിനന്ദനം.
സുരക്ഷ: എസ്ബിഐയുടെ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ രാജ്യത്തെ വിശ്വസനീയവും വിശ്വസനീയവുമായ ഫണ്ട് സ്കീമുകളിൽ ഒന്നാണ്.
വൈവിധ്യമാർന്ന ഓപ്ഷനുകൾ: എസ്‌ബിഐ മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നത് വിശാലമായി വരുന്നുപരിധി എസ്ബിഐ വാഗ്ദാനം ചെയ്യുന്ന ഈ സ്കീമുകളിൽ നിങ്ങൾക്ക് ഹ്രസ്വകാല, മധ്യകാല, ദീർഘകാലത്തേക്ക് നിക്ഷേപിക്കാം.
ആഭ്യന്തര, ഓഫ്‌ഷോർ ഫണ്ട് മാനേജ്‌മെന്റ്: കമ്പനിക്ക് ആഭ്യന്തരവും കൈകാര്യം ചെയ്യുന്നതിൽ വൈദഗ്ധ്യമുണ്ട്കടൽത്തീരത്ത് ഫണ്ടുകൾ.
എൻആർഐ നിക്ഷേപം: കമ്പനി എൻആർഐകൾക്കും അതിൽ നിക്ഷേപം നടത്താൻ അനുവദിക്കുന്നുമ്യൂച്വൽ ഫണ്ടുകൾ.

എസ്ബിഐയുടെ മികച്ച പ്രകടനം ഡെറ്റ് മ്യൂച്വൽ ഫണ്ടുകൾ

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	2024 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
SBI Credit Risk Fund Growth	₹46.9895 ↓ 0.00	₹2,176	1.4	3	7.9	8.1	8.1	7.95%	2Y 6M	3Y 7M 10D
SBI Short Term Debt Fund Growth	₹33.0115 ↓ -0.01	₹17,715	1.3	2.6	7.7	7.3	7.7	6.95%	2Y 9M	3Y 5M 1D
SBI Banking and PSU Fund Growth	₹3,195.91 ↑ 0.27	₹4,185	1.3	2.3	7.5	7.2	7.7	6.8%	2Y 10M 28D	3Y 9M 29D
SBI Magnum Medium Duration Fund Growth	₹52.4636 ↓ -0.04	₹6,898	1.4	2.5	7.3	7.5	8.1	7.5%	3Y 29D	4Y 3M 7D
SBI Savings Fund Growth	₹42.6634 ↑ 0.02	₹36,280	1.4	2.9	7.1	7.1	7.3	6.2%	4M 13D	4M 24D
SBI Magnum Low Duration Fund Growth	₹3,591 ↑ 1.14	₹16,575	1.3	2.8	7.1	7	7.3	6.49%	11M 1D	1Y 1M 13D
SBI Magnum Ultra Short Duration Fund Growth	₹6,148.46 ↑ 2.83	₹15,565	1.5	3	7	7.1	7.4	6.35%	5M 8D	5M 23D
SBI Liquid Fund Growth	₹4,192.01 ↑ 0.70	₹67,174	1.4	2.8	6.4	6.9	7.3	5.99%	1M 13D	1M 17D
SBI Magnum Constant Maturity Fund Growth	₹64.3567 ↓ -0.27	₹1,828	0.2	0.6	6.3	7.5	9.1	6.75%	6Y 9M 18D	9Y 6M 11D
SBI Overnight Fund Growth	₹4,262.82 ↑ 0.62	₹24,025	1.3	2.7	5.8	6.3	6.6	5.48%	1D	1D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 22 Dec 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	SBI Credit Risk Fund	SBI Short Term Debt Fund	SBI Banking and PSU Fund	SBI Magnum Medium Duration Fund	SBI Savings Fund	SBI Magnum Low Duration Fund	SBI Magnum Ultra Short Duration Fund	SBI Liquid Fund	SBI Magnum Constant Maturity Fund	SBI Overnight Fund
Point 1	Bottom quartile AUM (₹2,176 Cr).	Upper mid AUM (₹17,715 Cr).	Bottom quartile AUM (₹4,185 Cr).	Lower mid AUM (₹6,898 Cr).	Top quartile AUM (₹36,280 Cr).	Upper mid AUM (₹16,575 Cr).	Lower mid AUM (₹15,565 Cr).	Highest AUM (₹67,174 Cr).	Bottom quartile AUM (₹1,828 Cr).	Upper mid AUM (₹24,025 Cr).
Point 2	Established history (21+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (22+ yrs).	Established history (21+ yrs).	Established history (18+ yrs).	Oldest track record among peers (26 yrs).	Established history (18+ yrs).	Established history (24+ yrs).	Established history (23+ yrs).
Point 3	Top rated.	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Rating: 3★ (bottom quartile).	Rating: 4★ (top quartile).	Rating: 2★ (bottom quartile).
Point 4	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Low.	Risk profile: Low.	Risk profile: Moderately Low.	Risk profile: Low.
Point 5	1Y return: 7.88% (top quartile).	1Y return: 7.73% (top quartile).	1Y return: 7.51% (upper mid).	1Y return: 7.33% (upper mid).	1Y return: 7.12% (upper mid).	1Y return: 7.06% (lower mid).	1Y return: 7.03% (lower mid).	1Y return: 6.44% (bottom quartile).	1Y return: 6.27% (bottom quartile).	1Y return: 5.76% (bottom quartile).
Point 6	1M return: 0.22% (lower mid).	1M return: 0.04% (bottom quartile).	1M return: -0.01% (bottom quartile).	1M return: 0.09% (lower mid).	1M return: 0.43% (upper mid).	1M return: 0.30% (upper mid).	1M return: 0.43% (top quartile).	1M return: 0.45% (top quartile).	1M return: -0.50% (bottom quartile).	1M return: 0.42% (upper mid).
Point 7	Sharpe: 2.11 (upper mid).	Sharpe: 1.51 (lower mid).	Sharpe: 1.04 (lower mid).	Sharpe: 0.96 (bottom quartile).	Sharpe: 2.22 (upper mid).	Sharpe: 1.88 (upper mid).	Sharpe: 2.81 (top quartile).	Sharpe: 2.50 (top quartile).	Sharpe: 0.29 (bottom quartile).	Sharpe: -9.66 (bottom quartile).
Point 8	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (top quartile).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (upper mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (lower mid).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).	Information ratio: 0.00 (bottom quartile).
Point 9	Yield to maturity (debt): 7.95% (top quartile).	Yield to maturity (debt): 6.95% (upper mid).	Yield to maturity (debt): 6.80% (upper mid).	Yield to maturity (debt): 7.50% (top quartile).	Yield to maturity (debt): 6.20% (bottom quartile).	Yield to maturity (debt): 6.49% (lower mid).	Yield to maturity (debt): 6.35% (lower mid).	Yield to maturity (debt): 5.99% (bottom quartile).	Yield to maturity (debt): 6.75% (upper mid).	Yield to maturity (debt): 5.48% (bottom quartile).
Point 10	Modified duration: 2.50 yrs (lower mid).	Modified duration: 2.75 yrs (lower mid).	Modified duration: 2.91 yrs (bottom quartile).	Modified duration: 3.08 yrs (bottom quartile).	Modified duration: 0.37 yrs (upper mid).	Modified duration: 0.92 yrs (upper mid).	Modified duration: 0.44 yrs (upper mid).	Modified duration: 0.12 yrs (top quartile).	Modified duration: 6.80 yrs (bottom quartile).	Modified duration: 0.00 yrs (top quartile).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,176 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.88% (top quartile).
1M return: 0.22% (lower mid).
Sharpe: 2.11 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.95% (top quartile).
Modified duration: 2.50 yrs (lower mid).

SBI Short Term Debt Fund

Upper mid AUM (₹17,715 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.73% (top quartile).
1M return: 0.04% (bottom quartile).
Sharpe: 1.51 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.95% (upper mid).
Modified duration: 2.75 yrs (lower mid).

SBI Banking and PSU Fund

Bottom quartile AUM (₹4,185 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.51% (upper mid).
1M return: -0.01% (bottom quartile).
Sharpe: 1.04 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.80% (upper mid).
Modified duration: 2.91 yrs (bottom quartile).

SBI Magnum Medium Duration Fund

Lower mid AUM (₹6,898 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.33% (upper mid).
1M return: 0.09% (lower mid).
Sharpe: 0.96 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.50% (top quartile).
Modified duration: 3.08 yrs (bottom quartile).

SBI Savings Fund

Top quartile AUM (₹36,280 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.12% (upper mid).
1M return: 0.43% (upper mid).
Sharpe: 2.22 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.20% (bottom quartile).
Modified duration: 0.37 yrs (upper mid).

SBI Magnum Low Duration Fund

Upper mid AUM (₹16,575 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.06% (lower mid).
1M return: 0.30% (upper mid).
Sharpe: 1.88 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.49% (lower mid).
Modified duration: 0.92 yrs (upper mid).

SBI Magnum Ultra Short Duration Fund

Lower mid AUM (₹15,565 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.03% (lower mid).
1M return: 0.43% (top quartile).
Sharpe: 2.81 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (lower mid).
Modified duration: 0.44 yrs (upper mid).

SBI Liquid Fund

Highest AUM (₹67,174 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.44% (bottom quartile).
1M return: 0.45% (top quartile).
Sharpe: 2.50 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.99% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).

SBI Magnum Constant Maturity Fund

Bottom quartile AUM (₹1,828 Cr).
Established history (24+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.27% (bottom quartile).
1M return: -0.50% (bottom quartile).
Sharpe: 0.29 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.75% (upper mid).
Modified duration: 6.80 yrs (bottom quartile).

SBI Overnight Fund

Upper mid AUM (₹24,025 Cr).
Established history (23+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 5.76% (bottom quartile).
1M return: 0.42% (upper mid).
Sharpe: -9.66 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.48% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).

1. 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.

Research Highlights for SBI Credit Risk Fund

Bottom quartile AUM (₹2,176 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 7.88% (top quartile).
1M return: 0.22% (lower mid).
Sharpe: 2.11 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.95% (top quartile).
Modified duration: 2.50 yrs (lower mid).
Average maturity: 3.61 yrs (lower mid).
Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (22 Dec 25)	₹46.9895 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹2,176 on 15 Dec 25
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	2.11
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	7.95%
Effective Maturity	3 Years 7 Months 10 Days
Modified Duration	2 Years 6 Months

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,526
30 Nov 22	₹10,941
30 Nov 23	₹11,832
30 Nov 24	₹12,798
30 Nov 25	₹13,850

SBI Credit Risk Fund SIP 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 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 22 Dec 25

Duration	Returns
1 Month	0.2%
3 Month	1.4%
6 Month	3%
1 Year	7.9%
3 Year	8.1%
5 Year	6.7%
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	8.84 Yr.

Data below for SBI Credit Risk Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	3.84%
Equity	4.06%
Debt	91.73%
Other	0.37%

Debt Sector Allocation

Sector	Value
Corporate	73.34%
Government	18.39%
Cash Equivalent	3.84%

Credit Quality

Rating	Value
A	12.71%
AA	63.39%
AAA	23.9%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.02% Govt Stock 2031 Sovereign Bonds \| -	7%	₹154 Cr	15,000,000 ↑ 15,000,000
Infopark Properties Limited Debentures \| -	5%	₹105 Cr	10,500
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	5%	₹104 Cr	11,000
H.G. Infra Engineering Limited Debentures \| -	5%	₹100 Cr	10,000
Small Industries Development Bank Of India Debentures \| -	5%	₹99 Cr	10,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	5%	₹99 Cr	10,000,000 ↑ 10,000,000
Nj Capital Private Limited Debentures \| -	5%	₹99 Cr	10,000
Jtpm Metal TRaders Limited Debentures \| -	4%	₹93 Cr	9,000
The Sandur Manganese And Iron Ores Limited Debentures \| -	4%	₹82 Cr	8,500
Avanse Financial Services Limited Debentures \| -	4%	₹80 Cr	8,000

2. 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.

Research Highlights for SBI Short Term Debt Fund

Upper mid AUM (₹17,715 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.73% (top quartile).
1M return: 0.04% (bottom quartile).
Sharpe: 1.51 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.95% (upper mid).
Modified duration: 2.75 yrs (lower mid).
Average maturity: 3.42 yrs (lower mid).
Exit load: NIL.

Below is the key information for SBI Short Term Debt Fund

SBI Short Term Debt Fund Growth
Launch Date	27 Jul 07
NAV (22 Dec 25)	₹33.0115 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹17,715 on 15 Dec 25
Category	Debt - Short term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.84
Sharpe Ratio	1.51
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.95%
Effective Maturity	3 Years 5 Months 1 Day
Modified Duration	2 Years 9 Months

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,317
30 Nov 22	₹10,637
30 Nov 23	₹11,321
30 Nov 24	₹12,221
30 Nov 25	₹13,226

SBI Short Term Debt Fund SIP 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 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 22 Dec 25

Duration	Returns
1 Month	0%
3 Month	1.3%
6 Month	2.6%
1 Year	7.7%
3 Year	7.3%
5 Year	5.7%
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	2 Yr.

Data below for SBI Short Term Debt Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	7.72%
Debt	92.03%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	66.69%
Government	28.06%
Cash Equivalent	4.99%

Credit Quality

Rating	Value
AA	13.01%
AAA	86.99%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.01% Govt Stock 2030 Sovereign Bonds \| -	6%	₹1,037 Cr	105,000,000 ↑ 35,000,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	4%	₹694 Cr	70,000,000 ↓ -30,000,000
SHIVSHAKTI SECURITISATION TRUST Unlisted bonds \| -	3%	₹607 Cr	600
7.17% Govt Stock 2030 Sovereign Bonds \| -	3%	₹517 Cr	50,000,000
08.32 RJ Sdl 2029 Sovereign Bonds \| -	3%	₹471 Cr	45,000,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹405 Cr	40,000 ↑ 5,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹394 Cr	39,500
SIDDHIVINAYAK SECURITISATION TRUST Unlisted bonds \| -	2%	₹379 Cr	375
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹355 Cr	35,000
07.75 Tn SDL 2032 Sovereign Bonds \| -	2%	₹336 Cr	32,500,000

3. 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.

Research Highlights for SBI Banking and PSU Fund

Bottom quartile AUM (₹4,185 Cr).
Established history (16+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.51% (upper mid).
1M return: -0.01% (bottom quartile).
Sharpe: 1.04 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.80% (upper mid).
Modified duration: 2.91 yrs (bottom quartile).
Average maturity: 3.83 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for SBI Banking and PSU Fund

SBI Banking and PSU Fund Growth
Launch Date	9 Oct 09
NAV (22 Dec 25)	₹3,195.91 ↑ 0.27 (0.01 %)
Net Assets (Cr)	₹4,185 on 15 Dec 25
Category	Debt - Banking & PSU Debt
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	0.8
Sharpe Ratio	1.04
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.8%
Effective Maturity	3 Years 9 Months 29 Days
Modified Duration	2 Years 10 Months 28 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,285
30 Nov 22	₹10,536
30 Nov 23	₹11,198
30 Nov 24	₹12,080
30 Nov 25	₹13,047

SBI Banking and PSU Fund SIP 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 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 22 Dec 25

Duration	Returns
1 Month	0%
3 Month	1.3%
6 Month	2.3%
1 Year	7.5%
3 Year	7.2%
5 Year	5.4%
10 Year
15 Year
Since launch	7.4%

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	2 Yr.
Pradeep Kesavan	1 Dec 23	2 Yr.

Data below for SBI Banking and PSU Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	13.87%
Debt	85.78%
Other	0.35%

Debt Sector Allocation

Sector	Value
Corporate	50.26%
Government	37.22%
Cash Equivalent	12.16%

Credit Quality

Rating	Value
AA	7.08%
AAA	92.92%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Grid Corporation Of India Limited Debentures \| -	5%	₹211 Cr	23,000
State Government Of Karnataka Sovereign Bonds \| -	5%	₹201 Cr	20,000,000 ↑ 20,000,000
GAil (India) Limited Debentures \| -	4%	₹177 Cr	1,750
Ongc Petro Additions Limited Debentures \| -	4%	₹177 Cr	17,500
ICICI Bank Limited Debentures \| -	4%	₹161 Cr	1,600
India Infrastructure Finance Company Limited Debentures \| -	4%	₹150 Cr	15,000
AU Small Finance Bank Ltd. Debentures \| -	3%	₹145 Cr	3,000
State Government Of Gujarat Sovereign Bonds \| -	3%	₹145 Cr	14,564,400 ↑ 14,564,400
National Highways Infra TRust Debentures \| -	3%	₹128 Cr	25,000
Equitas Small Finance Bank Ltd. Debentures \| -	3%	₹118 Cr	2,500

4. 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.

Research Highlights for SBI Magnum Medium Duration Fund

Lower mid AUM (₹6,898 Cr).
Established history (22+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.33% (upper mid).
1M return: 0.09% (lower mid).
Sharpe: 0.96 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.50% (top quartile).
Modified duration: 3.08 yrs (bottom quartile).
Average maturity: 4.27 yrs (bottom quartile).
Exit load: 0-12 Months (1.5%),12 Months and above(NIL).

Below is the key information for SBI Magnum Medium Duration Fund

SBI Magnum Medium Duration Fund Growth
Launch Date	12 Nov 03
NAV (22 Dec 25)	₹52.4636 ↓ -0.04 (-0.07 %)
Net Assets (Cr)	₹6,898 on 15 Dec 25
Category	Debt - Medium term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.22
Sharpe Ratio	0.96
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	7.5%
Effective Maturity	4 Years 3 Months 7 Days
Modified Duration	3 Years 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,432
30 Nov 22	₹10,747
30 Nov 23	₹11,493
30 Nov 24	₹12,450
30 Nov 25	₹13,419

SBI Magnum Medium Duration Fund SIP 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 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 22 Dec 25

Duration	Returns
1 Month	0.1%
3 Month	1.4%
6 Month	2.5%
1 Year	7.3%
3 Year	7.5%
5 Year	6%
10 Year
15 Year
Since launch	7.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.1%
2023	7.2%
2022	3.4%
2021	3.8%
2020	12.3%
2019	11.1%
2018	6.2%
2017	7.6%
2016	14%
2015	6.6%

Fund Manager information for SBI Magnum Medium Duration Fund

Name	Since	Tenure
Lokesh Mallya	1 Dec 23	2 Yr.
Mohit Jain	30 Nov 17	8.01 Yr.

Data below for SBI Magnum Medium Duration Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	4.77%
Equity	4.37%
Debt	90.56%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	63.66%
Government	26.9%
Cash Equivalent	4.77%

Credit Quality

Rating	Value
A	5.86%
AA	45.89%
AAA	48.25%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	10%	₹686 Cr	66,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	5%	₹342 Cr	33,500,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹329 Cr	32,500 ↓ -10,000
Godrej Properties Limited Debentures \| -	4%	₹303 Cr	30,000
Avanse Financial Services Limited Debentures \| -	4%	₹251 Cr	25,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	4%	₹242 Cr	25,000,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	3%	₹228 Cr	24,000
Yes Bank Limited Debentures \| -	3%	₹224 Cr	2,250
Aditya Birla Real Estate Limited Debentures \| -	3%	₹222 Cr	22,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹206 Cr	20,000

5. 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.

Research Highlights for SBI Savings Fund

Top quartile AUM (₹36,280 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.12% (upper mid).
1M return: 0.43% (upper mid).
Sharpe: 2.22 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.20% (bottom quartile).
Modified duration: 0.37 yrs (upper mid).
Average maturity: 0.40 yrs (upper mid).
Exit load: 0-3 Days (0.1%),3 Days and above(NIL).

Below is the key information for SBI Savings Fund

SBI Savings Fund Growth
Launch Date	19 Jul 04
NAV (22 Dec 25)	₹42.6634 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹36,280 on 15 Dec 25
Category	Debt - Money Market
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.74
Sharpe Ratio	2.22
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	6.2%
Effective Maturity	4 Months 24 Days
Modified Duration	4 Months 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,333
30 Nov 22	₹10,748
30 Nov 23	₹11,489
30 Nov 24	₹12,322
30 Nov 25	₹13,208

SBI Savings Fund SIP 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 22 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.4%
6 Month	2.9%
1 Year	7.1%
3 Year	7.1%
5 Year	5.7%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	6.9%
2022	4.3%
2021	3.3%
2020	5.7%
2019	7.7%
2018	7.1%
2017	6.3%
2016	8.4%
2015	8.3%

Fund Manager information for SBI Savings Fund

Name	Since	Tenure
Rajeev Radhakrishnan	1 Dec 23	2 Yr.

Data below for SBI Savings Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	70.84%
Debt	28.9%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	42.64%
Cash Equivalent	38.43%
Government	18.68%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank of Baroda Debentures \| -	4%	₹1,454 Cr	30,000
Punjab National Bank Domestic Bonds \| -	3%	₹1,182 Cr	24,000
HDFC Bank Ltd. Debentures \| -	3%	₹910 Cr	18,500
India (Republic of) - \| -	2%	₹840 Cr	85,000,000 ↑ 85,000,000
HDFC Bank Ltd. Debentures \| -	2%	₹714 Cr	15,000
India (Republic of) - \| -	2%	₹576 Cr	60,000,000
Bank of Baroda Debentures \| -	1%	₹505 Cr	10,500
Csb Bank Ltd Debentures \| -	1%	₹499 Cr	10,000
Bank of Baroda Debentures \| -	1%	₹486 Cr	10,000
Treasury Bill Sovereign Bonds \| -	1%	₹476 Cr	50,000,000 ↑ 50,000,000

6. 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.

Research Highlights for SBI Magnum Low Duration Fund

Upper mid AUM (₹16,575 Cr).
Established history (18+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.06% (lower mid).
1M return: 0.30% (upper mid).
Sharpe: 1.88 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.49% (lower mid).
Modified duration: 0.92 yrs (upper mid).
Average maturity: 1.12 yrs (upper mid).
Exit load: NIL.

Below is the key information for SBI Magnum Low Duration Fund

SBI Magnum Low Duration Fund Growth
Launch Date	27 Jul 07
NAV (22 Dec 25)	₹3,591 ↑ 1.14 (0.03 %)
Net Assets (Cr)	₹16,575 on 15 Dec 25
Category	Debt - Low Duration
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.95
Sharpe Ratio	1.88
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.49%
Effective Maturity	1 Year 1 Month 13 Days
Modified Duration	11 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,323
30 Nov 22	₹10,707
30 Nov 23	₹11,425
30 Nov 24	₹12,263
30 Nov 25	₹13,151

SBI Magnum Low Duration Fund SIP 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 22 Dec 25

Duration	Returns
1 Month	0.3%
3 Month	1.3%
6 Month	2.8%
1 Year	7.1%
3 Year	7%
5 Year	5.6%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.3%
2023	6.7%
2022	4%
2021	3.2%
2020	6.7%
2019	8.3%
2018	7.5%
2017	6.6%
2016	8.3%
2015	8.6%

Fund Manager information for SBI Magnum Low Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	0.55 Yr.

Data below for SBI Magnum Low Duration Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	37.87%
Debt	61.89%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	55.71%
Cash Equivalent	22.23%
Government	21.81%

Credit Quality

Rating	Value
AA	9.38%
AAA	90.62%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.01% Govt Stock 2030 Sovereign Bonds \| -	5%	₹889 Cr	90,000,000 ↑ 90,000,000
07.03 CG Sdl 2026 Sovereign Bonds \| -	5%	₹857 Cr	84,992,300
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	3%	₹529 Cr	525
TRent Limited Debentures \| -	3%	₹497 Cr	5,000
Indigrid Infrastructure Trust Debentures \| -	2%	₹386 Cr	3,850
Rec Limited Debentures \| -	2%	₹353 Cr	35,000
Treasury Bill Sovereign Bonds \| -	2%	₹334 Cr	35,000,000 ↑ 35,000,000
Treasury Bill Sovereign Bonds \| -	2%	₹333 Cr	35,000,000 ↑ 35,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹321 Cr	3,200
TATA Motors Limited Debentures \| -	2%	₹252 Cr	2,500

7. SBI Magnum Ultra Short Duration Fund

(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

Lower mid AUM (₹15,565 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 7.03% (lower mid).
1M return: 0.43% (top quartile).
Sharpe: 2.81 (top quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.35% (lower mid).
Modified duration: 0.44 yrs (upper mid).
Average maturity: 0.48 yrs (upper mid).
Exit load: NIL.

Below is the key information for SBI Magnum Ultra Short Duration Fund

SBI Magnum Ultra Short Duration Fund Growth
Launch Date	21 May 99
NAV (22 Dec 25)	₹6,148.46 ↑ 2.83 (0.05 %)
Net Assets (Cr)	₹15,565 on 15 Dec 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.81
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.35%
Effective Maturity	5 Months 23 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,336
30 Nov 22	₹10,766
30 Nov 23	₹11,516
30 Nov 24	₹12,372
30 Nov 25	₹13,248

SBI Magnum Ultra Short Duration Fund SIP 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 Ultra Short 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 22 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	3%
1 Year	7%
3 Year	7.1%
5 Year	5.8%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for SBI Magnum Ultra Short Duration Fund

Name	Since	Tenure
Sudhir Agrawal	15 May 25	0.55 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	61.59%
Debt	38.1%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	43.35%
Cash Equivalent	39.95%
Government	16.39%

Credit Quality

Rating	Value
AA	12%
AAA	88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	4%	₹685 Cr	68,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹546 Cr	54,500
HDFC Bank Ltd. Debentures \| -	3%	₹492 Cr	10,000
Rec Limited Debentures \| -	3%	₹400 Cr	4,000
Ntpc Limited Debentures \| -	2%	₹349 Cr	34,800
Bank of Baroda Debentures \| -	2%	₹297 Cr	6,000
Canara Bank Domestic Bonds \| -	2%	₹296 Cr	6,000 ↑ 1,000
RADHAKRISHNA SECURITISATION TRUST Unlisted bonds \| -	2%	₹257 Cr	255
Citicorp Finance (India) Limited Debentures \| -	2%	₹250 Cr	25,000
IDFC First Bank Ltd. Debentures \| -	2%	₹247 Cr	5,000

8. SBI Liquid Fund

(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

Highest AUM (₹67,174 Cr).
Established history (18+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Low.
1Y return: 6.44% (bottom quartile).
1M return: 0.45% (top quartile).
Sharpe: 2.50 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.99% (bottom quartile).
Modified duration: 0.12 yrs (top quartile).
Average maturity: 0.13 yrs (top quartile).
Exit load: NIL.

Below is the key information for SBI Liquid Fund

SBI Liquid Fund Growth
Launch Date	22 Mar 07
NAV (22 Dec 25)	₹4,192.01 ↑ 0.70 (0.02 %)
Net Assets (Cr)	₹67,174 on 15 Dec 25
Category	Debt - Liquid Fund
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.3
Sharpe Ratio	2.5
Information Ratio	0
Alpha Ratio	0
Min Investment	50,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	5.99%
Effective Maturity	1 Month 17 Days
Modified Duration	1 Month 13 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,322
30 Nov 22	₹10,784
30 Nov 23	₹11,529
30 Nov 24	₹12,371
30 Nov 25	₹13,177

SBI Liquid Fund SIP 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 Liquid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	2.8%
1 Year	6.4%
3 Year	6.9%
5 Year	5.7%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
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%
2015	8.3%

Fund Manager information for SBI Liquid Fund

Name	Since	Tenure
Rajeev Radhakrishnan	1 Dec 23	2 Yr.

Data below for SBI Liquid Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	99.73%
Other	0.27%

Debt Sector Allocation

Sector	Value
Cash Equivalent	73.81%
Corporate	15.05%
Government	10.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	4%	₹2,785 Cr	280,000,000
T-Bill Sovereign Bonds \| -	4%	₹2,539 Cr	255,831,500 ↑ 255,831,500
Tata Steel Ltd. Commercial Paper \| -	3%	₹1,975 Cr	40,000 ↑ 40,000
India (Republic of) - \| -	3%	₹1,879 Cr	190,000,000 ↑ 190,000,000
Small Industries Development Bk Of India Commercial Paper \| -	3%	₹1,782 Cr	36,000
HDFC Bank Limited Certificate of Deposit \| -	3%	₹1,733 Cr	35,000 ↑ 35,000
Canara Bank Certificate of Deposit \| -	2%	₹1,485 Cr	30,000 ↑ 30,000
Bharti Airtel Limited (Formerly Bharti Tele-Ventures Limited) Commercial Paper \| -	2%	₹1,349 Cr	27,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	2%	₹1,311 Cr	130,950,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹1,225 Cr	12,250

9. 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.

Research Highlights for SBI Magnum Constant Maturity Fund

Bottom quartile AUM (₹1,828 Cr).
Established history (24+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately Low.
1Y return: 6.27% (bottom quartile).
1M return: -0.50% (bottom quartile).
Sharpe: 0.29 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.75% (upper mid).
Modified duration: 6.80 yrs (bottom quartile).
Average maturity: 9.53 yrs (bottom quartile).
Exit load: NIL.

Below is the key information for SBI Magnum Constant Maturity Fund

SBI Magnum Constant Maturity Fund Growth
Launch Date	30 Dec 00
NAV (22 Dec 25)	₹64.3567 ↓ -0.27 (-0.42 %)
Net Assets (Cr)	₹1,828 on 15 Dec 25
Category	Debt - 10 Yr Govt Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.63
Sharpe Ratio	0.29
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.75%
Effective Maturity	9 Years 6 Months 11 Days
Modified Duration	6 Years 9 Months 18 Days

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,339
30 Nov 22	₹10,401
30 Nov 23	₹11,059
30 Nov 24	₹12,176
30 Nov 25	₹13,037

SBI Magnum Constant Maturity Fund SIP 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 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 22 Dec 25

Duration	Returns
1 Month	-0.5%
3 Month	0.2%
6 Month	0.6%
1 Year	6.3%
3 Year	7.5%
5 Year	5.3%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	9.1%
2023	7.5%
2022	1.3%
2021	2.4%
2020	11.6%
2019	11.9%
2018	9.9%
2017	6.2%
2016	12.8%
2015	9.1%

Fund Manager information for SBI Magnum Constant Maturity Fund

Name	Since	Tenure
Sudhir Agarwal	1 Jul 25	0.42 Yr.

Data below for SBI Magnum Constant Maturity Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	1.75%
Debt	98.25%

Debt Sector Allocation

Sector	Value
Government	98.25%
Cash Equivalent	1.75%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	74%	₹1,347 Cr	133,500,000 ↓ -1,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	25%	₹450 Cr	43,999,500
Net Receivable / Payable Net Current Assets \| -	2%	₹29 Cr
Treps CBLO/Reverse Repo \| -	0%	₹3 Cr

10. SBI Overnight Fund

(Erstwhile SBI Magnum InstaCash Fund - Liquid Floater Plan)

To mitigate interest rate risk and generate opportunities for regular income through a portfolio investing predominantly in floating rate securities and Money Market instruments.

Research Highlights for SBI Overnight Fund

Upper mid AUM (₹24,025 Cr).
Established history (23+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Low.
1Y return: 5.76% (bottom quartile).
1M return: 0.42% (upper mid).
Sharpe: -9.66 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 5.48% (bottom quartile).
Modified duration: 0.00 yrs (top quartile).
Average maturity: 0.00 yrs (top quartile).
Exit load: 0-1 Months (0.2%),1 Months and above(NIL).

Below is the key information for SBI Overnight Fund

SBI Overnight Fund Growth
Launch Date	1 Oct 02
NAV (22 Dec 25)	₹4,262.82 ↑ 0.62 (0.01 %)
Net Assets (Cr)	₹24,025 on 15 Dec 25
Category	Debt - Overnight
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	Low
Expense Ratio	0.15
Sharpe Ratio	-9.66
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	2,000
Exit Load	0-1 Months (0.2%),1 Months and above(NIL)
Yield to Maturity	5.48%
Effective Maturity	1 Day
Modified Duration	1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,308
30 Nov 22	₹10,757
30 Nov 23	₹11,458
30 Nov 24	₹12,215
30 Nov 25	₹12,929

SBI Overnight Fund SIP 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 Overnight Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 22 Dec 25

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	2.7%
1 Year	5.8%
3 Year	6.3%
5 Year	5.3%
10 Year
15 Year
Since launch	6.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	6.6%
2023	6.6%
2022	4.6%
2021	3.1%
2020	3.3%
2019	5.6%
2018	6.2%
2017	5.8%
2016	6.8%
2015	7.8%

Fund Manager information for SBI Overnight Fund

Name	Since	Tenure
Ranjana Gupta	27 Dec 24	0.93 Yr.

Data below for SBI Overnight Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	100%

Debt Sector Allocation

Sector	Value
Cash Equivalent	94.49%
Corporate	3.64%
Government	1.87%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Treps CBLO/Reverse Repo \| -	57%	₹13,611 Cr
Reverse Repo CBLO/Reverse Repo \| -	32%	₹7,700 Cr
Axis Bank Limited Certificate of Deposit \| -	3%	₹825 Cr	16,500 ↑ 16,500
Indian Oil Corporation Limited Commercial Paper \| -	2%	₹565 Cr	11,300 ↑ 11,300
Icici Securities Limited (Earlier Icici Brokerage Services Limited) Commercial Paper \| -	1%	₹275 Cr	5,500 ↑ 5,500
364 DTB 01012026 Sovereign Bonds \| -	1%	₹249 Cr	25,000,000 ↑ 25,000,000
India (Republic of) - \| -	1%	₹249 Cr	25,000,000 ↑ 25,000,000
Punjab National Bank Domestic Bonds \| -	1%	₹200 Cr	4,000 ↑ 4,000
India (Republic of) - \| -	1%	₹200 Cr	20,000,000
Kotak Securities Ltd Commercial Paper \| -	0%	₹100 Cr	2,000 ↑ 2,000

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