TickerKhojSBI Mutual Fund · Debt · Ultra Short to Short Term · Direct plan
SBI Ultra Short to Short Term Fund - Direct Plan - Growth
₹3,929.7488NAV on 2 Nov 2026Expense ratio 0.44%
3 Nov 2025NAV low 3,719.47 · high 3,929.75+5.7%
In plain words
Over 3 years it returned +7.1% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -0.2%.
On 3-year return it ranks 16 of 20 funds in Ultra Short to Short Term.
A monthly SIP over 10 years ended ₹46,212 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 | +0.3% | +1.9% |
| 3 months | +1.3% | -5.1% |
| 6 months | +3.0% | -3.2% |
| 1 year | +5.7% | -10.2% |
| 3 years (yearly) | +7.1% | +7.4% |
| 5 years (yearly) | +6.5% | +6.5% |
| 10 years (yearly) | +6.7% | +11.3% |
| Since start (yearly) | +7.3% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,23,701 | +5.7% |
| 3 years | ₹3,60,000 | ₹3,98,203 | +6.7% |
| 5 years | ₹6,00,000 | ₹7,13,553 | +6.9% |
| 10 years | ₹12,00,000 | ₹16,85,250 | +6.6% |
Top holdings (30 Sept 2026)
Fund size ₹10,942 crore · 47 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| HDFC Bank Ltd. | CRISIL A1+ | 5.55% |
| Radhakrishna Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) | CRISIL AAA(SO) | 4.57% |
| Indian Bank | CRISIL A1+ | 4.47% |
| Canara Bank | CRISIL A1+ | 4.46% |
| Kotak Mahindra Bank Ltd. | CRISIL A1+ | 4.44% |
| ICICI Bank Ltd. | [ICRA]A1+ | 4.43% |
| Bharti Telecom Ltd. | CRISIL AAA | 4.08% |
| 91 DAY T-BILL 22.10.26 | Sovereign | 3.62% |
| LIC Housing Finance Ltd. | CRISIL A1+ | 3.57% |
| Bank of Baroda | IND A1+ | 3.42% |
| Bajaj Finance Ltd. | CRISIL AAA | 3.33% |
| HDFC Bank Ltd. | [ICRA]A1+ | 3.14% |
| Small Industries Development Bank of India | CRISIL A1+ | 3.12% |
| Small Industries Development Bank of India | CRISIL AAA | 2.46% |
| JSW JFE Kalinga Steel Ltd. | CRISIL AA | 2.38% |
Largest industries: CRISIL A1+ 28.9%, CRISIL AAA 22.2%, [ICRA]A1+ 7.6%, CRISIL AA+ 7.1%, Sovereign 6.4%, CRISIL AAA(SO) 4.6%.
Other plan of this fund: SBI Ultra Short to Short Term Fund - Regular Plan - Growth