2022-ലെ 10 മികച്ച എസ്ബിഐ മ്യൂച്വൽ ഫണ്ട് സ്കീമുകൾ

Updated on October 17, 2025 , 195252 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	₹38.121 ↑ 0.97	₹5,221	5,000	500	33.2	35.9	67.5	35.5	19.3	19.6
SBI Dynamic Asset Allocation Fund Growth	₹15.9463 ↑ 0.03	₹655	5,000	500	3.9	6.2	25.1	6.9	8.3
SBI Banking & Financial Services Fund Growth	₹44.1709 ↑ 0.14	₹8,371	5,000	500	2.5	10.2	15.6	20	21.8	19.6
SBI Multi Asset Allocation Fund Growth	₹62.8177 ↑ 0.01	₹10,262	5,000	500	4.4	12.4	11.5	18	15.6	12.8
SBI Equity Hybrid Fund Growth	₹310.695 ↑ 1.06	₹77,256	1,000	500	2.2	9.1	10.2	15	17.1	14.2
SBI Credit Risk Fund Growth	₹46.6365 ↑ 0.00	₹2,210	5,000	500	1.5	3.7	8.4	8.2	6.9	8.1
SBI Short Term Debt Fund Growth	₹32.8261 ↑ 0.01	₹16,387	5,000	500	1.4	3.4	8.2	7.7	5.8	7.7
SBI Banking and PSU Fund Growth	₹3,183.79 ↑ 1.59	₹4,065	5,000	500	1.4	3.3	8	7.5	5.6	7.7
SBI Magnum Medium Duration Fund Growth	₹52.1182 ↑ 0.00	₹6,516	5,000	500	1.2	2.9	7.8	7.8	6.2	8.1
SBI Magnum Constant Maturity Fund Growth	₹64.4578 ↓ -0.06	₹1,882	5,000	500	0.2	1.4	7.3	8.3	5.6	9.1
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 17 Oct 25

Research Highlights & Commentary of 10 Funds showcased

Commentary	SBI Gold Fund	SBI Dynamic Asset Allocation Fund	SBI Banking & Financial Services Fund	SBI Multi Asset Allocation Fund	SBI Equity Hybrid Fund	SBI Credit Risk Fund	SBI Short Term Debt Fund	SBI Banking and PSU Fund	SBI Magnum Medium Duration Fund	SBI Magnum Constant Maturity Fund
Point 1	Lower mid AUM (₹5,221 Cr).	Bottom quartile AUM (₹655 Cr).	Upper mid AUM (₹8,371 Cr).	Upper mid AUM (₹10,262 Cr).	Highest AUM (₹77,256 Cr).	Bottom quartile AUM (₹2,210 Cr).	Top quartile AUM (₹16,387 Cr).	Lower mid AUM (₹4,065 Cr).	Upper mid AUM (₹6,516 Cr).	Bottom quartile AUM (₹1,882 Cr).
Point 2	Established history (14+ yrs).	Established history (10+ yrs).	Established history (10+ yrs).	Established history (19+ yrs).	Established history (20+ yrs).	Established history (21+ yrs).	Established history (18+ yrs).	Established history (16+ yrs).	Established history (21+ yrs).	Oldest track record among peers (24 yrs).
Point 3	Rating: 2★ (bottom quartile).	Not Rated.	Not Rated.	Top rated.	Rating: 4★ (top quartile).	Rating: 4★ (upper mid).	Rating: 3★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (lower mid).	Rating: 4★ (upper mid).
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: High.	Risk profile: Moderate.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately Low.	Risk profile: Moderate.	Risk profile: Moderate.	Risk profile: Moderately Low.
Point 5	5Y return: 19.26% (top quartile).	5Y return: 8.31% (upper mid).	5Y return: 21.78% (top quartile).	5Y return: 15.57% (upper mid).	5Y return: 17.11% (upper mid).	1Y return: 8.44% (lower mid).	1Y return: 8.21% (lower mid).	1Y return: 8.03% (bottom quartile).	1Y return: 7.81% (bottom quartile).	1Y return: 7.31% (bottom quartile).
Point 6	3Y return: 35.55% (top quartile).	3Y return: 6.92% (bottom quartile).	3Y return: 20.02% (top quartile).	3Y return: 18.03% (upper mid).	3Y return: 14.99% (upper mid).	1M return: 0.68% (bottom quartile).	1M return: 0.78% (lower mid).	1M return: 0.92% (lower mid).	1M return: 0.74% (bottom quartile).	1M return: 0.35% (bottom quartile).
Point 7	1Y return: 67.50% (top quartile).	1Y return: 25.12% (top quartile).	1Y return: 15.56% (upper mid).	1Y return: 11.49% (upper mid).	1Y return: 10.19% (upper mid).	Sharpe: 1.72 (upper mid).	Sharpe: 1.26 (upper mid).	Sharpe: 0.77 (upper mid).	Sharpe: 0.64 (lower mid).	Sharpe: 0.17 (bottom quartile).
Point 8	1M return: 18.52% (top quartile).	1M return: 1.04% (upper mid).	Alpha: 0.46 (top quartile).	1M return: 3.38% (top quartile).	1M return: 2.13% (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 (upper mid).	Alpha: 0.00 (upper mid).	Sharpe: 0.28 (lower mid).	Alpha: 0.00 (upper mid).	Alpha: 5.33 (top quartile).	Yield to maturity (debt): 8.17% (top quartile).	Yield to maturity (debt): 7.02% (upper mid).	Yield to maturity (debt): 6.94% (lower mid).	Yield to maturity (debt): 7.57% (top quartile).	Yield to maturity (debt): 6.87% (lower mid).
Point 10	Sharpe: 2.58 (top quartile).	Sharpe: 2.59 (top quartile).	Information ratio: 0.69 (top quartile).	Sharpe: -0.10 (bottom quartile).	Sharpe: -0.11 (bottom quartile).	Modified duration: 2.24 yrs (upper mid).	Modified duration: 2.79 yrs (upper mid).	Modified duration: 4.09 yrs (bottom quartile).	Modified duration: 3.69 yrs (lower mid).	Modified duration: 6.67 yrs (bottom quartile).

SBI Gold Fund

Lower mid AUM (₹5,221 Cr).
Established history (14+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: Moderately High.
5Y return: 19.26% (top quartile).
3Y return: 35.55% (top quartile).
1Y return: 67.50% (top quartile).
1M return: 18.52% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.58 (top quartile).

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: 21.78% (top quartile).
3Y return: 20.02% (top quartile).
1Y return: 15.56% (upper mid).
Alpha: 0.46 (top quartile).
Sharpe: 0.28 (lower mid).
Information ratio: 0.69 (top quartile).

SBI Multi Asset Allocation Fund

Upper mid AUM (₹10,262 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 15.57% (upper mid).
3Y return: 18.03% (upper mid).
1Y return: 11.49% (upper mid).
1M return: 3.38% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.10 (bottom quartile).

SBI Equity Hybrid Fund

Highest AUM (₹77,256 Cr).
Established history (20+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately High.
5Y return: 17.11% (upper mid).
3Y return: 14.99% (upper mid).
1Y return: 10.19% (upper mid).
1M return: 2.13% (upper mid).
Alpha: 5.33 (top quartile).
Sharpe: -0.11 (bottom quartile).

SBI Credit Risk Fund

Bottom quartile AUM (₹2,210 Cr).
Established history (21+ yrs).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.44% (lower mid).
1M return: 0.68% (bottom quartile).
Sharpe: 1.72 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.17% (top quartile).
Modified duration: 2.24 yrs (upper mid).

SBI Short Term Debt Fund

Top quartile AUM (₹16,387 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 8.21% (lower mid).
1M return: 0.78% (lower mid).
Sharpe: 1.26 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.79 yrs (upper mid).

SBI Banking and PSU Fund

Lower mid AUM (₹4,065 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 8.03% (bottom quartile).
1M return: 0.92% (lower mid).
Sharpe: 0.77 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.94% (lower mid).
Modified duration: 4.09 yrs (bottom quartile).

SBI Magnum Medium Duration Fund

Upper mid AUM (₹6,516 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.81% (bottom quartile).
1M return: 0.74% (bottom quartile).
Sharpe: 0.64 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.57% (top quartile).
Modified duration: 3.69 yrs (lower mid).

SBI Magnum Constant Maturity Fund

Bottom quartile AUM (₹1,882 Cr).
Oldest track record among peers (24 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.31% (bottom quartile).
1M return: 0.35% (bottom quartile).
Sharpe: 0.17 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (lower mid).
Modified duration: 6.67 yrs (bottom quartile).

* 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: 19.26% (top quartile).
3Y return: 35.55% (top quartile).
1Y return: 67.50% (top quartile).
1M return: 18.52% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 2.58 (top quartile).
Information ratio: 0.00 (upper mid).
Top bond sector: Cash Equivalent.
Largest holding SBI Gold ETF (~100.0%).
Top-3 holdings concentration ~100.9%.

Below is the key information for SBI Gold Fund

SBI Gold Fund Growth
Launch Date	12 Sep 11
NAV (17 Oct 25)	₹38.121 ↑ 0.97 (2.60 %)
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 ₹493,520.
Net Profit of ₹193,520 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 17 Oct 25

Duration	Returns
1 Month	18.5%
3 Month	33.2%
6 Month	35.9%
1 Year	67.5%
3 Year	35.5%
5 Year	19.3%
10 Year
15 Year
Since launch	10%

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 17 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: 21.78% (top quartile).
3Y return: 20.02% (top quartile).
1Y return: 15.56% (upper mid).
Alpha: 0.46 (top quartile).
Sharpe: 0.28 (lower mid).
Information ratio: 0.69 (top quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~17.5%).
Top-3 holdings concentration ~35.5%.

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

SBI Banking & Financial Services Fund Growth
Launch Date	26 Feb 15
NAV (17 Oct 25)	₹44.1709 ↑ 0.14 (0.32 %)
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 ₹518,033.
Net Profit of ₹218,033 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 17 Oct 25

Duration	Returns
1 Month	3.1%
3 Month	2.5%
6 Month	10.2%
1 Year	15.6%
3 Year	20%
5 Year	21.8%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	19.6%
2023	18.6%
2022	13.5%
2021	12.1%
2020	4.8%
2019	20.7%
2018	9.5%
2017	40.7%
2016	17%
2015

Fund Manager information for SBI Banking & Financial Services Fund

Name	Since	Tenure
Milind Agrawal	1 Aug 19	6.09 Yr.
Pradeep Kesavan	1 Dec 23	1.75 Yr.

Data below for SBI Banking & Financial Services Fund as on 31 Aug 25

Equity Sector Allocation

Sector	Value
Financial Services	97.35%

Asset Allocation

Asset Class	Value
Cash	2.65%
Equity	97.35%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 28 Feb 15 \| 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 Multi Asset Allocation Fund

(Erstwhile SBI Magnum Monthly Income Plan Floater)

To provide regular income, liquidity and attractive returns to investors in addition to mitigating the impact of interest rate risk through an actively managed portfolio of floating rate and fixed rate debt instruments, equity, money market instruments and derivatives.

Research Highlights for SBI Multi Asset Allocation Fund

Upper mid AUM (₹10,262 Cr).
Established history (19+ yrs).
Top rated.
Risk profile: Moderate.
5Y return: 15.57% (upper mid).
3Y return: 18.03% (upper mid).
1Y return: 11.49% (upper mid).
1M return: 3.38% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: -0.10 (bottom quartile).
Information ratio: 0.00 (upper mid).
Top sector: Financial Services.
Top bond sector: Corporate.
High-quality debt (AAA/AA ~95%).
Largest holding SBI Silver ETF (~6.3%).

Below is the key information for SBI Multi Asset Allocation Fund

SBI Multi Asset Allocation Fund Growth
Launch Date	21 Dec 05
NAV (17 Oct 25)	₹62.8177 ↑ 0.01 (0.01 %)
Net Assets (Cr)	₹10,262 on 15 Sep 25
Category	Hybrid - Multi Asset
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.46
Sharpe Ratio	-0.1
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹12,263
30 Sep 22	₹12,701
30 Sep 23	₹14,832
30 Sep 24	₹18,805
30 Sep 25	₹20,129

SBI Multi Asset Allocation Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹447,579.
Net Profit of ₹147,579 Invest Now

Returns for SBI Multi 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 17 Oct 25

Duration	Returns
1 Month	3.4%
3 Month	4.4%
6 Month	12.4%
1 Year	11.5%
3 Year	18%
5 Year	15.6%
10 Year
15 Year
Since launch	9.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	12.8%
2023	24.4%
2022	6%
2021	13%
2020	14.2%
2019	10.6%
2018	0.4%
2017	10.9%
2016	8.7%
2015	9.9%

Fund Manager information for SBI Multi Asset Allocation Fund

Name	Since	Tenure
Dinesh Balachandran	31 Oct 21	3.84 Yr.
Mansi Sajeja	1 Dec 23	1.75 Yr.
Vandna Soni	1 Jan 24	1.67 Yr.

Data below for SBI Multi Asset Allocation Fund as on 15 Sep 25

Asset Allocation

Asset Class	Value
Cash	8.98%
Equity	45.41%
Debt	32.97%
Other	12.65%

Equity Sector Allocation

Sector	Value
Financial Services	12.75%
Consumer Cyclical	6.77%
Real Estate	5.04%
Technology	4.29%
Basic Materials	3.92%
Consumer Defensive	3.77%
Energy	3.75%
Industrials	2.2%
Utility	1.57%
Health Care	0.96%
Communication Services	0.38%

Debt Sector Allocation

Sector	Value
Corporate	24.48%
Cash Equivalent	9.65%
Government	7.81%

Credit Quality

Rating	Value
A	2.71%
AA	54.28%
AAA	41.04%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
SBI Silver ETF - \| -	6%	₹648 Cr	51,296,178
7.24% Govt Stock 2055 Sovereign Bonds \| -	5%	₹501 Cr	50,000,000 ↑ 50,000,000
SBI Gold ETF - \| -	3%	₹349 Cr	37,241,000
Nippon India Silver ETF - \| -	3%	₹329 Cr	26,730,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Nov 22 \| HDFCBANK	3%	₹257 Cr	2,662,000
Brookfield India Real Estate Trust (Real Estate) -, Since 30 Apr 25 \| 543261	2%	₹253 Cr	7,664,234
Reliance Industries Ltd (Energy) Equity, Since 15 Sep 24 \| RELIANCE	2%	₹241 Cr	1,720,000
Bharti Telecom Limited Debentures \| -	2%	₹208 Cr	20,000
TATA Power Renewable Energy Limited Debentures \| -	2%	₹205 Cr	20,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹204 Cr	20,000

5. SBI Equity Hybrid Fund

(Erstwhile SBI Magnum Balanced Fund)

To provide investors long term capital appreciation along with the liquidity of open-ended scheme by investing in a mix of debt and equity. The scheme will invest in a diversified portfolio of equities of high growth companies and balance the risk through investing the rest in a relatively safe portfolio of debt.

Research Highlights for SBI Equity Hybrid Fund

Highest AUM (₹77,256 Cr).
Established history (20+ yrs).
Rating: 4★ (top quartile).
Risk profile: Moderately High.
5Y return: 17.11% (upper mid).
3Y return: 14.99% (upper mid).
1Y return: 10.19% (upper mid).
1M return: 2.13% (upper mid).
Alpha: 5.33 (top quartile).
Sharpe: -0.11 (bottom quartile).
Information ratio: 0.40 (top quartile).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~76%).
High-quality debt (AAA/AA ~89%).
Largest holding HDFC Bank Ltd (~6.7%).

Below is the key information for SBI Equity Hybrid Fund

SBI Equity Hybrid Fund Growth
Launch Date	19 Jan 05
NAV (17 Oct 25)	₹310.695 ↑ 1.06 (0.34 %)
Net Assets (Cr)	₹77,256 on 31 Aug 25
Category	Hybrid - Hybrid Equity
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderately High
Expense Ratio	1.4
Sharpe Ratio	-0.11
Information Ratio	0.4
Alpha Ratio	5.33
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-12 Months (1%),12 Months and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹14,685
30 Sep 22	₹14,715
30 Sep 23	₹16,252
30 Sep 24	₹20,807
30 Sep 25	₹21,596

SBI Equity Hybrid Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹470,047.
Net Profit of ₹170,047 Invest Now

Returns for SBI Equity Hybrid Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 17 Oct 25

Duration	Returns
1 Month	2.1%
3 Month	2.2%
6 Month	9.1%
1 Year	10.2%
3 Year	15%
5 Year	17.1%
10 Year
15 Year
Since launch	15%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	14.2%
2023	16.4%
2022	2.3%
2021	23.6%
2020	12.9%
2019	13.5%
2018	-0.1%
2017	27.7%
2016	3.7%
2015	7.4%

Fund Manager information for SBI Equity Hybrid Fund

Name	Since	Tenure
R. Srinivasan	1 Jan 12	13.68 Yr.
Rajeev Radhakrishnan	1 Dec 23	1.75 Yr.
Mansi Sajeja	1 Dec 23	1.75 Yr.
Pradeep Kesavan	1 Dec 23	1.75 Yr.

Data below for SBI Equity Hybrid Fund as on 31 Aug 25

Asset Allocation

Asset Class	Value
Cash	2.69%
Equity	75.82%
Debt	21.49%

Equity Sector Allocation

Sector	Value
Financial Services	24.05%
Basic Materials	10.21%
Industrials	9.83%
Consumer Cyclical	7.58%
Communication Services	4.9%
Technology	4.45%
Health Care	3.98%
Consumer Defensive	3.68%
Utility	3.19%
Energy	2.28%
Real Estate	1.66%

Debt Sector Allocation

Sector	Value
Corporate	11.77%
Government	10.04%
Cash Equivalent	2.37%

Credit Quality

Rating	Value
A	9.41%
AA	13.26%
AAA	75.72%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 May 11 \| HDFCBANK	7%	₹5,139 Cr	54,000,000
Bharti Airtel Ltd (Communication Services) Equity, Since 31 Jan 17 \| BHARTIARTL	4%	₹3,211 Cr	17,000,000
ICICI Bank Ltd (Financial Services) Equity, Since 28 Feb 17 \| ICICIBANK	4%	₹2,935 Cr	21,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹2,836 Cr	281,501,100 ↓ -50,000,000
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Apr 24 \| KOTAKBANK	4%	₹2,744 Cr	14,000,000
State Bank of India (Financial Services) Equity, Since 28 Feb 14 \| SBIN	3%	₹2,648 Cr	33,000,000
Solar Industries India Ltd (Basic Materials) Equity, Since 31 Jul 16 \| SOLARINDS	3%	₹2,469 Cr	1,790,000
MRF Ltd (Consumer Cyclical) Equity, Since 31 May 18 \| MRF	3%	₹2,396 Cr	170,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	3%	₹2,296 Cr	234,000,400 ↑ 234,000,000
Divi's Laboratories Ltd (Healthcare) Equity, Since 30 Apr 16 \| DIVISLAB	3%	₹2,269 Cr	3,700,000

6. 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).
Rating: 4★ (upper mid).
Risk profile: Moderate.
1Y return: 8.44% (lower mid).
1M return: 0.68% (bottom quartile).
Sharpe: 1.72 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 8.17% (top quartile).
Modified duration: 2.24 yrs (upper mid).
Average maturity: 3.05 yrs (upper mid).
Exit load: 0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL).
Top sector: Industrials.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~80%).
Largest holding 6.92% Govt Stock 2039 (~6.8%).

Below is the key information for SBI Credit Risk Fund

SBI Credit Risk Fund Growth
Launch Date	19 Jul 04
NAV (17 Oct 25)	₹46.6365 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹2,210 on 15 Sep 25
Category	Debt - Credit Risk
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.72
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-12 Months (3%),12-24 Months (1.5%),24-36 Months (0.75%),36 Months and above(NIL)
Yield to Maturity	8.17%
Effective Maturity	3 Years 18 Days
Modified Duration	2 Years 2 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,722
30 Sep 22	₹11,089
30 Sep 23	₹12,006
30 Sep 24	₹12,950
30 Sep 25	₹14,016

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 17 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	1.5%
6 Month	3.7%
1 Year	8.4%
3 Year	8.2%
5 Year	6.9%
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

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.

Research Highlights for SBI Short Term Debt Fund

Top quartile AUM (₹16,387 Cr).
Established history (18+ yrs).
Rating: 3★ (upper mid).
Risk profile: Moderately Low.
1Y return: 8.21% (lower mid).
1M return: 0.78% (lower mid).
Sharpe: 1.26 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.02% (upper mid).
Modified duration: 2.79 yrs (upper mid).
Average maturity: 3.49 yrs (upper mid).
Exit load: NIL.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~91%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.33% Govt Stock 2035 (~5.0%).

Below is the key information for SBI Short Term Debt Fund

SBI Short Term Debt Fund Growth
Launch Date	27 Jul 07
NAV (17 Oct 25)	₹32.8261 ↑ 0.01 (0.03 %)
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 17 Oct 25

Duration	Returns
1 Month	0.8%
3 Month	1.4%
6 Month	3.4%
1 Year	8.2%
3 Year	7.7%
5 Year	5.8%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.7%
2023	6.7%
2022	3.5%
2021	2.8%
2020	9.9%
2019	9.5%
2018	6%
2017	5.7%
2016	9.9%
2015	8.2%

Fund Manager information for SBI Short Term Debt Fund

Name	Since	Tenure
Mansi Sajeja	1 Dec 23	1.75 Yr.

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

Asset Allocation

Asset Class	Value
Cash	8.32%
Debt	91.41%
Other	0.27%

Debt Sector Allocation

Sector	Value
Corporate	63.81%
Government	27.19%
Securitized	4.5%
Cash Equivalent	4.23%

Credit Quality

Rating	Value
AA	12.64%
AAA	87.36%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.33% Govt Stock 2035 Sovereign Bonds \| -	5%	₹840 Cr	85,000,000 ↓ -15,000,000
7.17% Govt Stock 2030 Sovereign Bonds \| -	4%	₹682 Cr	66,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹660 Cr	65,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹507 Cr	50,000
Rec Limited Debentures \| -	3%	₹507 Cr	50,000
08.32 RJ Sdl 2029 Sovereign Bonds \| -	3%	₹471 Cr	45,000,000
TATA Communications Limited Debentures \| -	2%	₹403 Cr	40,000
Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Tru Unlisted bonds \| -	2%	₹375 Cr	375 ↑ 375
Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Unlisted bonds \| -	2%	₹375 Cr	375 ↑ 375
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹373 Cr	37,500

8. 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

Lower mid AUM (₹4,065 Cr).
Established history (16+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 8.03% (bottom quartile).
1M return: 0.92% (lower mid).
Sharpe: 0.77 (upper mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.94% (lower mid).
Modified duration: 4.09 yrs (bottom quartile).
Average maturity: 5.90 yrs (bottom quartile).
Exit load: NIL.
Top bond sector: Corporate.
Debt-heavy allocation (~87%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.24% Govt Stock 2055 (~7.2%).

Below is the key information for SBI Banking and PSU Fund

SBI Banking and PSU Fund Growth
Launch Date	9 Oct 09
NAV (17 Oct 25)	₹3,183.79 ↑ 1.59 (0.05 %)
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 17 Oct 25

Duration	Returns
1 Month	0.9%
3 Month	1.4%
6 Month	3.3%
1 Year	8%
3 Year	7.5%
5 Year	5.6%
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

9. 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

Upper mid AUM (₹6,516 Cr).
Established history (21+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderate.
1Y return: 7.81% (bottom quartile).
1M return: 0.74% (bottom quartile).
Sharpe: 0.64 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.57% (top quartile).
Modified duration: 3.69 yrs (lower mid).
Average maturity: 5.37 yrs (lower mid).
Exit load: 0-12 Months (1.5%),12 Months and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~90%).
High-quality debt (AAA/AA ~93%).
Largest holding 7.18% Govt Stock 2033 (~12.2%).

Below is the key information for SBI Magnum Medium Duration Fund

SBI Magnum Medium Duration Fund Growth
Launch Date	12 Nov 03
NAV (17 Oct 25)	₹52.1182 ↑ 0.00 (0.00 %)
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 17 Oct 25

Duration	Returns
1 Month	0.7%
3 Month	1.2%
6 Month	2.9%
1 Year	7.8%
3 Year	7.8%
5 Year	6.2%
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

10. 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 (₹1,882 Cr).
Oldest track record among peers (24 yrs).
Rating: 4★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.31% (bottom quartile).
1M return: 0.35% (bottom quartile).
Sharpe: 0.17 (bottom quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 6.87% (lower mid).
Modified duration: 6.67 yrs (bottom quartile).
Average maturity: 9.49 yrs (bottom quartile).
Exit load: NIL.
Higher exposure to Government (bond sector) vs peer median.
Debt-heavy allocation (~97%).
High-quality debt (AAA/AA ~100%).
Largest holding 7.1% Govt Stock 2034 (~66.2%).
Top-3 holdings concentration ~96.6%.

Below is the key information for SBI Magnum Constant Maturity Fund

SBI Magnum Constant Maturity Fund Growth
Launch Date	30 Dec 00
NAV (17 Oct 25)	₹64.4578 ↓ -0.06 (-0.09 %)
Net Assets (Cr)	₹1,882 on 31 Aug 25
Category	Debt - 10 Yr Govt Bond
AMC	SBI Funds Management Private Limited
Rating	☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.63
Sharpe Ratio	0.17
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	6.87%
Effective Maturity	9 Years 5 Months 26 Days
Modified Duration	6 Years 8 Months 1 Day

Growth of 10,000 investment over the years.

Date	Value
30 Sep 20	₹10,000
30 Sep 21	₹10,501
30 Sep 22	₹10,450
30 Sep 23	₹11,243
30 Sep 24	₹12,380
30 Sep 25	₹13,175

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 17 Oct 25

Duration	Returns
1 Month	0.4%
3 Month	0.2%
6 Month	1.4%
1 Year	7.3%
3 Year	8.3%
5 Year	5.6%
10 Year
15 Year
Since launch	7.8%

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	0.17 Yr.

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

Asset Allocation

Asset Class	Value
Cash	2.61%
Debt	97.39%

Debt Sector Allocation

Sector	Value
Government	97.39%
Cash Equivalent	2.61%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	66%	₹1,246 Cr	120,500,000 ↓ -6,500,000
7.18% Govt Stock 2037 Sovereign Bonds \| -	27%	₹506 Cr	48,999,500
6.79% Govt Stock 2034 Sovereign Bonds \| -	4%	₹66 Cr	6,500,000 ↑ 6,500,000
6.33% Govt Stock 2035 Sovereign Bonds \| -	1%	₹15 Cr	1,500,000 ↑ 1,000,000
Net Receivable / Payable CBLO \| -	2%	₹46 Cr
Treps CBLO/Reverse Repo \| -	0%	₹3 Cr

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