TickerKhojSBI Mutual Fund · Debt · Dynamic Term · Direct plan
SBI DYNAMIC TERM FUND - Direct Plan - Growth
₹41.6672NAV on 2 Nov 2026Expense ratio 0.64%
3 Nov 2025NAV low 39.55 · high 41.67+5.2%
In plain words
Over 3 years it returned +7.5% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -1.6%.
On 3-year return it ranks 5 of 21 funds in Dynamic Term.
A monthly SIP over 10 years ended ₹73,086 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 | +0.4% | +1.9% |
| 3 months | +0.8% | -5.1% |
| 6 months | +2.9% | -3.2% |
| 1 year | +5.2% | -10.2% |
| 3 years (yearly) | +7.5% | +7.4% |
| 5 years (yearly) | +6.8% | +6.5% |
| 10 years (yearly) | +7.5% | +11.3% |
| Since start (yearly) | +8.0% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,23,610 | +5.6% |
| 3 years | ₹3,60,000 | ₹3,96,026 | +6.3% |
| 5 years | ₹6,00,000 | ₹7,15,503 | +7.0% |
| 10 years | ₹12,00,000 | ₹17,35,803 | +7.2% |
Top holdings (30 Sept 2026)
Fund size ₹3,503 crore · 19 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| 6.94% CGL 2036 | Sovereign | 19.66% |
| HDFC Bank Ltd. | [ICRA]A1+ | 9.80% |
| 7.28% State Government of Andhra Pradesh 2032 | Sovereign | 7.02% |
| National Bank for Agriculture and Rural Development | [ICRA]AAA | 6.30% |
| Bajaj Finance Ltd. | CRISIL AAA | 5.70% |
| Union Bank of India | [ICRA]A1+ | 5.60% |
| Summit Digitel Infrastructure Pvt. Ltd. | CRISIL AAA | 4.37% |
| REC Ltd. | CRISIL AAA | 3.57% |
| National Highways Infra Trust | IND AAA | 3.31% |
| 91 DAY T-BILL 29.10.26 | Sovereign | 2.99% |
| LIC Housing Finance Ltd. | CRISIL AAA | 2.85% |
| Anzen India Energy Yield Plus Trust | CRISIL AAA | 2.83% |
| Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) | CRISIL AAA(SO) | 2.73% |
| India Universal Trust AL2 (Obligor - HDFC Bank Ltd.) | CRISIL AAA(SO) | 2.13% |
| Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) | CRISIL AAA(SO) | 2.04% |
Largest industries: Sovereign 29.7%, CRISIL AAA 20.7%, [ICRA]A1+ 15.4%, CRISIL AAA(SO) 6.9%, [ICRA]AAA 6.3%, IND AAA 3.3%.
Other plan of this fund: SBI DYNAMIC TERM FUND - Regular Plan - Growth