TickerKhojSBI Mutual Fund · Debt · Short Term · Direct plan
SBI SHORT TERM FUND - Direct Plan - Growth
₹36.3904NAV on 31 Oct 2026Expense ratio 0.42%
30 Oct 2025NAV low 34.96 · high 36.52+4.1%
In plain words
Over 3 years it returned +7.0% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -0.5%.
On 3-year return it ranks 14 of 19 funds in Short Term.
A monthly SIP over 10 years ended ₹45,506 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 | +2.3% | -3.2% |
| 1 year | +4.0% | -10.2% |
| 3 years (yearly) | +7.0% | +7.4% |
| 5 years (yearly) | +6.3% | +6.5% |
| 10 years (yearly) | +6.9% | +11.3% |
| Since start (yearly) | +7.6% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,22,793 | +3.8% |
| 3 years | ₹3,60,000 | ₹3,96,952 | +6.1% |
| 5 years | ₹5,90,000 | ₹6,97,926 | +6.6% |
| 10 years | ₹11,90,000 | ₹16,80,167 | +6.7% |
Top holdings (30 Sept 2026)
Fund size ₹13,243 crore · 79 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) | CRISIL AAA(SO) | 4.32% |
| HDFC Bank Ltd. | [ICRA]A1+ | 4.07% |
| Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) | CRISIL AAA(SO) | 2.71% |
| 7.31% State Government of Karnataka 2033 | Sovereign | 2.59% |
| National Bank for Agriculture and Rural Development | CRISIL AAA | 2.58% |
| 7.43% State Government of Gujarat 2035 | Sovereign | 2.58% |
| Canara Bank | CRISIL A1+ | 2.27% |
| National Bank for Agriculture and Rural Development | [ICRA]AAA | 2.22% |
| Small Industries Development Bank of India | CRISIL AAA | 2.18% |
| JSW JFE Kalinga Steel Ltd. | CRISIL AA | 2.08% |
| Interise Trust | [ICRA]AAA | 2.00% |
| Radhakrishna Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) | CRISIL AAA(SO) | 1.98% |
| Mahindra Rural Housing Finance Ltd. | CRISIL AAA | 1.89% |
| Bajaj Auto Credit Ltd. | [ICRA]AAA | 1.88% |
| Union Bank of India | [ICRA]A1+ | 1.85% |
Largest industries: CRISIL AAA 33.0%, [ICRA]AAA 12.2%, CRISIL AAA(SO) 9.8%, [ICRA]A1+ 5.9%, Sovereign 5.2%, CRISIL AA+ 4.7%.
Other plan of this fund: SBI SHORT TERM FUND - Regular Plan - Growth