2022-ലെ 10 മികച്ച എസ്ബിഐ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ

Updated on September 28, 2025 , 195150 views

ഇന്ത്യയിലെ ഏറ്റവും പഴക്കമേറിയതും വലുതുമായ ഫണ്ട് ഹൗസ് ആയതിനാൽ, നിക്ഷേപകർ പലപ്പോഴും വാഗ്ദാനം ചെയ്യുന്ന മ്യൂച്വൽ ഫണ്ട് പ്ലാനുകളാൽ ആകർഷിക്കപ്പെടുന്നുഎസ്ബിഐ മ്യൂച്വൽ ഫണ്ട്. 30 വർഷത്തിലേറെ സാന്നിധ്യമുള്ളവിപണി, എസ്ബിഐ എംഎഫ് ഒരു വിപുലമായ ഉണ്ട്നിക്ഷേപകൻ 5 ദശലക്ഷത്തിലധികം അടിസ്ഥാനം. ഓരോ തരത്തിലുള്ള നിക്ഷേപകരെയും തൃപ്തിപ്പെടുത്തുന്നതിന്, കമ്പനി ധാരാളം മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ വാഗ്ദാനം ചെയ്യുന്നു.

നിക്ഷേപകർക്ക് അവരുടെ ഹ്രസ്വവും ഇടത്തരവും ദീർഘകാലവും ആസൂത്രണം ചെയ്യാൻ കഴിയുംസാമ്പത്തിക ലക്ഷ്യങ്ങൾ വഴിനിക്ഷേപിക്കുന്നു ഈ സ്കീമുകളിൽ. കാലക്രമേണ മികച്ച വരുമാനം നൽകാൻ സാധ്യതയുള്ള മികച്ച 10 മികച്ച എസ്ബിഐ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകളുടെ ലിസ്റ്റ് ചുവടെയുണ്ട്. AUM പോലുള്ള നിരവധി പ്രധാന പാരാമീറ്ററുകൾ പരിഗണിച്ചാണ് ഈ ഫണ്ടുകൾ ഷോർട്ട്‌ലിസ്റ്റ് ചെയ്തിരിക്കുന്നത്,അല്ല, മുൻകാല പ്രകടനങ്ങൾ, ശരാശരി വരുമാനം, മറ്റ് പ്രധാന പാരാമീറ്ററുകൾ.

എസ്ബിഐ മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നത് എന്തുകൊണ്ട്?

മൂലധന വിലമതിപ്പ്: എസ്ബിഐ എംഎഫിൽ നിക്ഷേപിക്കുന്നതിലൂടെ നിങ്ങൾക്ക് എമൂലധനം നിങ്ങൾ നിക്ഷേപിക്കാൻ ആഗ്രഹിക്കുന്ന ഫണ്ടിനെ ആശ്രയിച്ച് കുറഞ്ഞ അപകടസാധ്യതയുള്ള നിക്ഷേപങ്ങൾക്കും ഉയർന്ന അപകടസാധ്യതയുള്ള നിക്ഷേപങ്ങൾക്കുമുള്ള അഭിനന്ദനം.

സുരക്ഷ: എസ്ബിഐയുടെ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ രാജ്യത്തെ വിശ്വസനീയവും വിശ്വസനീയവുമായ ഫണ്ട് സ്കീമുകളിലൊന്നാണ്.

വൈവിധ്യമാർന്ന ഓപ്ഷനുകൾ: എസ്ബിഐ മ്യൂച്വൽ ഫണ്ടിൽ നിക്ഷേപിക്കുന്നത് വിശാലമായി വരുന്നുപരിധി എസ്ബിഐ വാഗ്ദാനം ചെയ്യുന്ന ഈ സ്കീമുകളിൽ നിങ്ങൾക്ക് ഹ്രസ്വകാല, മധ്യകാല, ദീർഘകാലത്തേക്ക് നിക്ഷേപിക്കാം.

മികച്ച റേറ്റിംഗുകൾ: SBI ഇക്വിറ്റി സ്കീമുകളിൽ പലതിനും CRISIL റേറ്റിംഗ് മൂന്നോ അതിലധികമോ ആണ്.

ആഭ്യന്തര, ഓഫ്‌ഷോർ ഫണ്ട് മാനേജ്‌മെന്റ്: ആഭ്യന്തരവും കൈകാര്യം ചെയ്യുന്നതിൽ കമ്പനിക്ക് വൈദഗ്ധ്യമുണ്ട്കടൽത്തീരത്ത് ഫണ്ടുകൾ.

നികുതി ആനുകൂല്യങ്ങൾ: എസ്ബിഐ മ്യൂച്വൽ ഫണ്ടിൽ നികുതി ലാഭിക്കുന്നത് എളുപ്പമാണ്. കമ്പനി നൽകുന്നുഇക്വിറ്റി ലിങ്ക്ഡ് സേവിംഗ്സ് സ്കീം നിക്ഷേപകർക്ക് നികുതി ലാഭിക്കാൻ.

NRI നിക്ഷേപം: എൻആർഐകൾക്ക് ഇതിൽ നിക്ഷേപം നടത്താനും കമ്പനി അനുവദിക്കുന്നുമ്യൂച്വൽ ഫണ്ടുകൾ.

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മികച്ച എസ്ബിഐ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ

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	₹34.463 ↑ 0.56	₹5,221	5,000	500	20.2	29.1	50.8	30.4	16.7	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	₹42.9299 ↑ 0.50	₹8,371	5,000	500	-2.1	9.8	8.9	19.2	22.4	19.6
SBI Credit Risk Fund Growth	₹46.4538 ↑ 0.06	₹2,210	5,000	500	1.5	4	8.2	8.1	7	8.1
SBI Short Term Debt Fund Growth	₹32.6723 ↑ 0.03	₹16,387	5,000	500	1.3	4	8	7.5	5.9	7.7
SBI Banking and PSU Fund Growth	₹3,164.72 ↑ 2.99	₹4,065	5,000	500	1.1	3.7	7.6	7.3	5.7	7.7
SBI Magnum Low Duration Fund Growth	₹3,550.65 ↑ 0.94	₹15,208	5,000	500	1.4	3.7	7.4	7.1	5.6	7.3
SBI Magnum Medium Duration Fund Growth	₹51.8628 ↑ 0.07	₹6,516	5,000	500	1	3.4	7.4	7.7	6.3	8.1
SBI Savings Fund Growth	₹42.1518 ↑ 0.01	₹38,450	500	500	1.4	3.6	7.3	7.1	5.7	7.3
SBI Magnum Ultra Short Duration Fund Growth	₹6,071.58 ↑ 1.91	₹15,525	5,000	500	1.5	3.5	7.3	7.1	5.7	7.4
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	SBI Gold Fund	SBI Dynamic Asset Allocation Fund	SBI Banking & Financial Services Fund	SBI Credit Risk Fund	SBI Short Term Debt Fund	SBI Banking and PSU Fund	SBI Magnum Low Duration Fund	SBI Magnum Medium Duration Fund	SBI Savings Fund	SBI Magnum Ultra Short Duration Fund
Point 1	Lower mid AUM (₹5,221 Cr).	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹8,371 Cr).	Bottom quartile AUM (₹2,210 Cr).	Top quartile AUM (₹16,387 Cr).	Bottom quartile AUM (₹4,065 Cr).	Upper mid AUM (₹15,208 Cr).	Lower mid AUM (₹6,516 Cr).	Highest AUM (₹38,450 Cr).	Upper mid AUM (₹15,525 Cr).
Point 2	Established history (14+ yrs).	Established history (10+ yrs).	Established history (10+ yrs).	Established history (21+ yrs).	Established history (18+ yrs).	Established history (15+ yrs).	Established history (18+ yrs).	Established history (21+ yrs).	Established history (21+ yrs).	Oldest track record among peers (26 yrs).
Point 3	Rating: 2★ (bottom quartile).	Not Rated.	Not Rated.	Top rated.	Rating: 3★ (top quartile).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Low.
Point 5	5Y return: 16.72% (top quartile).	5Y return: 8.31% (upper mid).	5Y return: 22.36% (top quartile).	1Y return: 8.23% (upper mid).	1Y return: 8.00% (upper mid).	1Y return: 7.59% (lower mid).	1Y return: 7.39% (lower mid).	1Y return: 7.36% (bottom quartile).	1Y return: 7.34% (bottom quartile).	1Y return: 7.25% (bottom quartile).
Point 6	3Y return: 30.43% (top quartile).	3Y return: 6.92% (bottom quartile).	3Y return: 19.20% (top quartile).	1M return: 0.68% (lower mid).	1M return: 0.62% (lower mid).	1M return: 0.69% (upper mid).	1M return: 0.51% (bottom quartile).	1M return: 0.76% (upper mid).	1M return: 0.46% (bottom quartile).	1M return: 0.50% (bottom quartile).
Point 7	1Y return: 50.77% (top quartile).	1Y return: 25.12% (top quartile).	1Y return: 8.88% (upper mid).	Sharpe: 1.72 (upper mid).	Sharpe: 1.26 (lower mid).	Sharpe: 0.77 (bottom quartile).	Sharpe: 1.68 (lower mid).	Sharpe: 0.64 (bottom quartile).	Sharpe: 2.26 (upper mid).	Sharpe: 2.74 (top quartile).
Point 8	1M return: 12.72% (top quartile).	1M return: 1.04% (upper mid).	Alpha: 0.46 (top quartile).	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	Alpha: 0.00 (top quartile).	Alpha: 0.00 (upper mid).	Sharpe: 0.28 (bottom quartile).	Yield to maturity (debt): 8.17% (top quartile).	Yield to maturity (debt): 7.02% (upper mid).	Yield to maturity (debt): 6.94% (upper mid).	Yield to maturity (debt): 6.59% (upper mid).	Yield to maturity (debt): 7.57% (top quartile).	Yield to maturity (debt): 6.26% (lower mid).	Yield to maturity (debt): 6.22% (lower mid).
Point 10	Sharpe: 2.58 (upper mid).	Sharpe: 2.59 (top quartile).	Information ratio: 0.69 (top quartile).	Modified duration: 2.24 yrs (lower mid).	Modified duration: 2.79 yrs (bottom quartile).	Modified duration: 4.09 yrs (bottom quartile).	Modified duration: 0.84 yrs (lower mid).	Modified duration: 3.69 yrs (bottom quartile).	Modified duration: 0.46 yrs (upper mid).	Modified duration: 0.44 yrs (upper mid).

SBI Gold Fund

Lower mid AUM (₹5,221 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.72% (top quartile).
3Y return: 30.43% (top quartile).
1Y return: 50.77% (top quartile).
1M return: 12.72% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 2.58 (upper mid).

SBI Dynamic Asset Allocation Fund

Bottom quartile AUM (₹655 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.31% (upper mid).
3Y return: 6.92% (bottom quartile).
1Y return: 25.12% (top quartile).
1M return: 1.04% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.59 (top quartile).

SBI Banking & Financial Services Fund

Upper mid AUM (₹8,371 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.36% (top quartile).
3Y return: 19.20% (top quartile).
1Y return: 8.88% (upper mid).
Alpha: 0.46 (top quartile).
Sharpe: 0.28 (bottom quartile).
Information ratio: 0.69 (top quartile).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,210 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.23% (upper mid).
1M return: 0.68% (lower mid).
Sharpe: 1.72 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.17% (top quartile).
Modified duration: 2.24 yrs (lower mid).

SBI Short Term Debt Fund

Top quartile AUM (₹16,387 Cr).
Established history (18+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately Low.
1Y return: 8.00% (upper mid).
1M return: 0.62% (lower mid).
Sharpe: 1.26 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.79 yrs (bottom quartile).

SBI Banking and PSU Fund

Bottom quartile AUM (₹4,065 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.59% (lower mid).
1M return: 0.69% (upper mid).
Sharpe: 0.77 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.94% (upper mid).
Modified duration: 4.09 yrs (bottom quartile).

SBI Magnum Low Duration Fund

Upper mid AUM (₹15,208 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.39% (lower mid).
1M return: 0.51% (bottom quartile).
Sharpe: 1.68 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.59% (upper mid).
Modified duration: 0.84 yrs (lower mid).

SBI Magnum Medium Duration Fund

Lower mid AUM (₹6,516 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.36% (bottom quartile).
1M return: 0.76% (upper mid).
Sharpe: 0.64 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.57% (top quartile).
Modified duration: 3.69 yrs (bottom quartile).

SBI Savings Fund

Highest AUM (₹38,450 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.34% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 2.26 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.26% (lower mid).
Modified duration: 0.46 yrs (upper mid).

SBI Magnum Ultra Short Duration Fund

Upper mid AUM (₹15,525 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.25% (bottom quartile).
1M return: 0.50% (bottom quartile).
Sharpe: 2.74 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.22% (lower mid).
Modified duration: 0.44 yrs (upper mid).

* ഫണ്ട് ഉള്ളതിനെ അടിസ്ഥാനമാക്കിയാണെങ്കിൽ ലിസ്റ്റ് ചെയ്യുകആസ്തി > 100 കോടി ക്രമീകരിച്ചുകഴിഞ്ഞ 1 വർഷത്തെ റിട്ടേണുകൾ.

1. SBI Gold Fund

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

Lower mid AUM (₹5,221 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 16.72% (top quartile).
3Y return: 30.43% (top quartile).
1Y return: 50.77% (top quartile).
1M return: 12.72% (top quartile).
Alpha: 0.00 (top quartile).
Sharpe: 2.58 (upper mid).
Information ratio: 0.00 (top quartile).

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (01 Oct 25)	₹34.463 ↑ 0.56 (1.66 %)
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

SBI Gold Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹458,689.
Net Profit of ₹158,689 Invest Now

Returns for SBI Gold Fund

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

Duration	Returns
1 Month	12.7%
3 Month	20.2%
6 Month	29.1%
1 Year	50.8%
3 Year	30.4%
5 Year	16.7%
10 Year
15 Year
Since launch	9.1%

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

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

Bottom quartile AUM (₹655 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.31% (upper mid).
3Y return: 6.92% (bottom quartile).
1Y return: 25.12% (top quartile).
1M return: 1.04% (upper mid).
Alpha: 0.00 (upper mid).
Sharpe: 2.59 (top quartile).
Information ratio: 0.00 (upper mid).

Below is the key information for 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	Not Rated
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

SBI Dynamic Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for SBI Dynamic Asset Allocation Fund

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

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

Upper mid AUM (₹8,371 Cr).
Established history (10+ yrs).
Not Rated.
Risk profile: High.
5Y return: 22.36% (top quartile).
3Y return: 19.20% (top quartile).
1Y return: 8.88% (upper mid).
Alpha: 0.46 (top quartile).
Sharpe: 0.28 (bottom quartile).
Information ratio: 0.69 (top quartile).

Below is the key information for SBI Banking & Financial Services Fund

SBI Banking & Financial Services Fund Growth
Launch Date	26 Feb 15
NAV (01 Oct 25)	₹42.9299 ↑ 0.50 (1.17 %)
Net Assets (Cr)	₹8,371 on 31 Aug 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	Not Rated
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

SBI Banking & Financial Services Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹530,691.
Net Profit of ₹230,691 Invest Now

Returns for SBI Banking & Financial Services Fund

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

Duration	Returns
1 Month	2.8%
3 Month	-2.1%
6 Month	9.8%
1 Year	8.9%
3 Year	19.2%
5 Year	22.4%
10 Year
15 Year
Since launch	14.6%

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 \| HDFCBANK	18%	₹1,468 Cr	15,429,430 ↓ -1,600,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 28 Feb 23 \| KOTAKBANK	10%	₹802 Cr	4,091,554 ↑ 600,000
State Bank of India (Financial Services) Equity, Since 31 Jul 18 \| SBIN	8%	₹701 Cr	8,730,364
ICICI Bank Ltd (Financial Services) Equity, Since 31 Dec 16 \| ICICIBANK	7%	₹620 Cr	4,435,814
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 25 \| AXISBANK	7%	₹568 Cr	5,435,410 ↑ 1,500,000
SBI Life Insurance Co Ltd (Financial Services) Equity, Since 31 May 25 \| SBILIFE	5%	₹435 Cr	2,408,631 ↑ 783,409
HDFC Life Insurance Co Ltd (Financial Services) Equity, Since 31 Mar 25 \| HDFCLIFE	4%	₹375 Cr	4,863,085 ↑ 1,142,267
Max Financial Services Ltd (Financial Services) Equity, Since 30 Apr 25 \| MFSL	4%	₹296 Cr	1,850,168 ↓ -131,961
Bajaj Finserv Ltd (Financial Services) Equity, Since 30 Jun 25 \| BAJAJFINSV	3%	₹268 Cr	1,400,000
Aditya Birla Capital Ltd (Financial Services) Equity, Since 31 Mar 25 \| ABCAPITAL	3%	₹252 Cr	9,071,860 ↓ -11,977

4. 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 (₹2,210 Cr).
Established history (21+ yrs).
Top rated.
Risk profile: Moderate.
1Y return: 8.23% (upper mid).
1M return: 0.68% (lower mid).
Sharpe: 1.72 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 8.17% (top quartile).
Modified duration: 2.24 yrs (lower mid).
Average maturity: 3.05 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 (01 Oct 25)	₹46.4538 ↑ 0.06 (0.12 %)
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

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 1 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	1.5%
6 Month	4%
1 Year	8.2%
3 Year	8.1%
5 Year	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	8.59 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

5. 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

Top quartile AUM (₹16,387 Cr).
Established history (18+ yrs).
Rating: 3★ (top quartile).
Risk profile: Moderately Low.
1Y return: 8.00% (upper mid).
1M return: 0.62% (lower mid).
Sharpe: 1.26 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.79 yrs (bottom quartile).
Average maturity: 3.49 yrs (bottom quartile).
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 (01 Oct 25)	₹32.6723 ↑ 0.03 (0.09 %)
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

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 1 Oct 25

Duration	Returns
1 Month	0.6%
3 Month	1.3%
6 Month	4%
1 Year	8%
3 Year	7.5%
5 Year	5.9%
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

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.

Research Highlights for SBI Banking and PSU Fund

Bottom quartile AUM (₹4,065 Cr).
Established history (15+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.59% (lower mid).
1M return: 0.69% (upper mid).
Sharpe: 0.77 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.94% (upper mid).
Modified duration: 4.09 yrs (bottom quartile).
Average maturity: 5.90 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 (01 Oct 25)	₹3,164.72 ↑ 2.99 (0.09 %)
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

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 1 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	1.1%
6 Month	3.7%
1 Year	7.6%
3 Year	7.3%
5 Year	5.7%
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

7. 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 (₹15,208 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.39% (lower mid).
1M return: 0.51% (bottom quartile).
Sharpe: 1.68 (lower mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.59% (upper mid).
Modified duration: 0.84 yrs (lower mid).
Average maturity: 1.17 yrs (lower 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 (01 Oct 25)	₹3,550.65 ↑ 0.94 (0.03 %)
Net Assets (Cr)	₹15,208 on 31 Aug 25
Category	Debt - Low Duration
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.95
Sharpe Ratio	1.68
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.59%
Effective Maturity	1 Year 2 Months 1 Day
Modified Duration	10 Months 2 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,381
30 Sep 22	₹10,711
30 Sep 23	₹11,427
30 Sep 24	₹12,249
30 Sep 25	₹13,154

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 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.7%
1 Year	7.4%
3 Year	7.1%
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	0.3 Yr.

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

Asset Allocation

Asset Class	Value
Cash	27.54%
Debt	72.19%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	63.93%
Government	23.42%
Cash Equivalent	8.93%
Securitized	3.45%

Credit Quality

Rating	Value
AA	8.59%
AAA	91.41%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹863 Cr	85,000
07.03 CG Sdl 2026 Sovereign Bonds \| -	6%	₹859 Cr	84,992,300
Radhakrishna Securitisation Trust (Obligor - Digital Fibre Infrastructure T Unlisted bonds \| -	3%	₹525 Cr	525 ↑ 525
TRent Limited Debentures \| -	3%	₹496 Cr	5,000
Indigrid Infrastructure Trust Debentures \| -	3%	₹387 Cr	3,850
Rec Limited Debentures \| -	2%	₹354 Cr	35,000 ↑ 20,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹253 Cr	25,000
TATA Motors Limited Debentures \| -	2%	₹252 Cr	2,500
Bajaj Finance Limited Debentures \| -	2%	₹251 Cr	25,000
Citicorp Finance (India) Limited Debentures \| -	2%	₹250 Cr	25,000

8. 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 (₹6,516 Cr).
Established history (21+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderate.
1Y return: 7.36% (bottom quartile).
1M return: 0.76% (upper mid).
Sharpe: 0.64 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.57% (top quartile).
Modified duration: 3.69 yrs (bottom quartile).
Average maturity: 5.37 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 (01 Oct 25)	₹51.8628 ↑ 0.07 (0.14 %)
Net Assets (Cr)	₹6,516 on 31 Aug 25
Category	Debt - Medium term Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.22
Sharpe Ratio	0.64
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	7.57%
Effective Maturity	5 Years 4 Months 13 Days
Modified Duration	3 Years 8 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,656
30 Sep 22	₹10,889
30 Sep 23	₹11,706
30 Sep 24	₹12,663
30 Sep 25	₹13,596

SBI Magnum Medium Duration 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 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 1 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1%
6 Month	3.4%
1 Year	7.4%
3 Year	7.7%
5 Year	6.3%
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	1.75 Yr.
Mohit Jain	30 Nov 17	7.76 Yr.

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

Asset Allocation

Asset Class	Value
Cash	9.24%
Equity	0.5%
Debt	89.96%
Other	0.31%

Debt Sector Allocation

Sector	Value
Corporate	51.66%
Government	34.46%
Cash Equivalent	9.24%
Securitized	3.84%

Credit Quality

Rating	Value
A	6.93%
AA	47.22%
AAA	45.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.18% Govt Stock 2033 Sovereign Bonds \| -	12%	₹793 Cr	76,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	9%	₹599 Cr	59,000,000 ↓ -22,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	8%	₹553 Cr	53,500,000
Godrej Properties Limited Debentures \| -	5%	₹304 Cr	30,000
Avanse Financial Services Limited Debentures \| -	4%	₹251 Cr	25,000
Renew Solar Energy (Jharkhand Five) Private Limited Debentures \| -	4%	₹231 Cr	24,000
Yes Bank Limited Debentures \| -	3%	₹224 Cr	2,250
Aditya Birla Real Estate Limited Debentures \| -	3%	₹223 Cr	22,000
Renserv Global Private Limited Debentures \| -	3%	₹205 Cr	20,500
Motilal Oswal Finvest Ltd. Debentures \| -	3%	₹200 Cr	20,000 ↑ 20,000

9. 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

Highest AUM (₹38,450 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately Low.
1Y return: 7.34% (bottom quartile).
1M return: 0.46% (bottom quartile).
Sharpe: 2.26 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.26% (lower mid).
Modified duration: 0.46 yrs (upper mid).
Average maturity: 0.49 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 (01 Oct 25)	₹42.1518 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹38,450 on 31 Aug 25
Category	Debt - Money Market
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.74
Sharpe Ratio	2.26
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	6.26%
Effective Maturity	5 Months 26 Days
Modified Duration	5 Months 16 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,351
30 Sep 22	₹10,719
30 Sep 23	₹11,446
30 Sep 24	₹12,270
30 Sep 25	₹13,171

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 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.4%
6 Month	3.6%
1 Year	7.3%
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	1.75 Yr.

Data below for SBI Savings Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	74.18%
Debt	25.58%
Other	0.24%

Debt Sector Allocation

Sector	Value
Cash Equivalent	47.15%
Corporate	36.07%
Government	16.54%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd. Debentures \| -	4%	₹1,695 Cr	35,000
5.63% Govt Stock 2026 Sovereign Bonds \| -	4%	₹1,398 Cr	139,845,000
Punjab National Bank Domestic Bonds \| -	3%	₹1,163 Cr	24,000
Bank of Baroda Debentures \| -	2%	₹640 Cr	13,500 ↓ -6,500
364 DTB 04122025 Sovereign Bonds \| -	1%	₹509 Cr	51,500,000
Csb Bank Ltd Debentures \| -	1%	₹500 Cr	10,000
Csb Bank Ltd Debentures \| -	1%	₹491 Cr	10,000
06.90 OIL SPL 2026 Domestic Bonds \| -	1%	₹486 Cr	48,397,000
91 Days Tbill (Md 28/08/2025) Sovereign Bonds \| -	1%	₹474 Cr	47,500,000
Indian Bank Domestic Bonds \| -	1%	₹436 Cr	9,000

10. 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

Upper mid AUM (₹15,525 Cr).
Oldest track record among peers (26 yrs).
Rating: 3★ (lower mid).
Risk profile: Low.
1Y return: 7.25% (bottom quartile).
1M return: 0.50% (bottom quartile).
Sharpe: 2.74 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.22% (lower mid).
Modified duration: 0.44 yrs (upper mid).
Average maturity: 0.50 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 (01 Oct 25)	₹6,071.58 ↑ 1.91 (0.03 %)
Net Assets (Cr)	₹15,525 on 31 Aug 25
Category	Debt - Ultrashort Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.54
Sharpe Ratio	2.74
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.22%
Effective Maturity	6 Months
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,360
30 Sep 22	₹10,744
30 Sep 23	₹11,479
30 Sep 24	₹12,323
30 Sep 25	₹13,216

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 1 Oct 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.5%
1 Year	7.3%
3 Year	7.1%
5 Year	5.7%
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	0.3 Yr.

Data below for SBI Magnum Ultra Short Duration Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	54.71%
Debt	44.99%
Other	0.3%

Debt Sector Allocation

Sector	Value
Corporate	51.81%
Cash Equivalent	25.63%
Government	19.97%
Securitized	2.29%

Credit Quality

Rating	Value
AA	3.68%
AAA	96.32%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Rec Limited Debentures \| -	4%	₹694 Cr	6,950
5.63% Govt Stock 2026 Sovereign Bonds \| -	4%	₹685 Cr	68,500,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹516 Cr	5,150
HDFC Bank Ltd. Debentures \| -	3%	₹484 Cr	10,000
Bharti Telecom Limited Debentures \| -	2%	₹371 Cr	3,700
Radhakrishna Securitisation Trust (Obligor - Digital Fibre Infrastructure T Unlisted bonds \| -	2%	₹355 Cr	355 ↑ 355
Ntpc Limited Debentures \| -	2%	₹349 Cr	34,800
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹296 Cr	29,500
Bank of Baroda Debentures \| -	2%	₹292 Cr	6,000
Citicorp Finance (India) Limited Debentures \| -	2%	₹250 Cr	25,000

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