NSE ScannerSBI Mutual Fund · Debt · Gilt · Direct plan
SBI GILT FUND - Direct Plan - Growth
₹72.5973NAV on 31 Oct 2026Expense ratio 0.49%
30 Oct 2025NAV low 70.03 · high 73.18+3.3%
In plain words
Over 3 years it returned +6.5% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -3.2%.
On 3-year return it ranks 3 of 22 funds in Gilt.
A monthly SIP over 10 years ended ₹45,683 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 | -0.2% | +1.9% |
| 3 months | -0.1% | -5.1% |
| 6 months | +2.1% | -3.2% |
| 1 year | +3.1% | -10.2% |
| 3 years (yearly) | +6.5% | +7.4% |
| 5 years (yearly) | +6.2% | +6.5% |
| 10 years (yearly) | +7.3% | +11.3% |
| Since start (yearly) | +8.6% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,22,451 | +3.3% |
| 3 years | ₹3,60,000 | ₹3,88,730 | +4.8% |
| 5 years | ₹5,90,000 | ₹6,86,629 | +5.9% |
| 10 years | ₹11,90,000 | ₹16,89,237 | +6.8% |
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 - Regular Plan - Growth