TickerKhojSBI Mutual Fund · Debt · Gilt · Regular plan
SBI GILT FUND - Regular Plan - Growth
₹41.0967NAV on 2 Nov 2026Expense ratio 0.99%
3 Nov 2025NAV low 39.55 · high 41.22+3.3%
In plain words
Over 3 years it returned +6.1% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -3.3%.
On 3-year return it ranks 3 of 22 funds in Gilt.
A monthly SIP over 10 years ended ₹46,008 higher in the direct plan than the regular plan, because of the lower expense ratio.
Past returns, not a promise of future returns or a recommendation.
Returns vs benchmark
| Period | Fund | Benchmark |
|---|---|---|
| 1 month | +0.5% | +1.9% |
| 3 months | +0.3% | -5.1% |
| 6 months | +2.5% | -3.2% |
| 1 year | +3.2% | -10.2% |
| 3 years (yearly) | +6.1% | +7.4% |
| 5 years (yearly) | +5.8% | +6.5% |
| 10 years (yearly) | +6.9% | +11.3% |
| Since start (yearly) | +7.0% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,22,538 | +3.9% |
| 3 years | ₹3,60,000 | ₹3,85,985 | +4.6% |
| 5 years | ₹6,00,000 | ₹6,91,813 | +5.6% |
| 10 years | ₹12,00,000 | ₹16,63,532 | +6.4% |
Top holdings (30 Sept 2026)
Fund size ₹8,067 crore · 12 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| 6.94% CGL 2036 | Sovereign | 44.20% |
| 7.71% CGL 2066 | Sovereign | 21.50% |
| 7.28% State Government of Andhra Pradesh 2032 | Sovereign | 6.61% |
| 91 DAY T-BILL 19.11.26 | Sovereign | 6.15% |
| 7.43% CGL 2076 | Sovereign | 3.22% |
| 91 DAY T-BILL 15.10.26 | Sovereign | 3.09% |
| 91 DAY T-BILL 01.10.26 | Sovereign | 1.24% |
| 91 DAY T-BILL 08.10.26 | Sovereign | 0.62% |
| 6.90% CGL 2065 | Sovereign | 0.56% |
| 7.58% State Government of West Bengal 2042 | Sovereign | 0.24% |
| 7.37% State Government of Chhattisgarh 2031 | Sovereign | 0.10% |
| 7.79% State Government of West Bengal 2045 | Sovereign | 0.02% |
Largest industries: Sovereign 87.5%.
Other plan of this fund: SBI GILT FUND - Direct Plan - Growth