TickerKhojSBI Mutual Fund · Debt · Money Market · Direct plan
SBI Money Market Fund - Direct Plan - Growth
₹48.3119NAV on 31 Oct 2026Expense ratio 0.26%
30 Oct 2025NAV low 45.48 · high 48.31+6.2%
In plain words
Over 3 years it returned +7.2% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -0.1%.
On 3-year return it ranks 14 of 23 funds in Money Market.
A monthly SIP over 10 years ended ₹46,108 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 | +1.4% | -5.1% |
| 6 months | +3.3% | -3.2% |
| 1 year | +6.2% | -10.2% |
| 3 years (yearly) | +7.2% | +7.4% |
| 5 years (yearly) | +6.7% | +6.5% |
| 10 years (yearly) | +6.7% | +11.3% |
| Since start (yearly) | +7.5% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,614 | +6.3% |
| 3 years | ₹3,60,000 | ₹4,01,733 | +6.9% |
| 5 years | ₹5,90,000 | ₹7,06,060 | +7.0% |
| 10 years | ₹11,90,000 | ₹16,76,366 | +6.6% |
Top holdings (30 Sept 2026)
Fund size ₹27,850 crore · 88 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| 182 DAY T-BILL 24.12.26 | Sovereign | 6.52% |
| ICICI Bank Ltd. | [ICRA]A1+ | 5.22% |
| National Bank for Financing Infrastructure and Development | IND A1+ | 5.06% |
| LIC Housing Finance Ltd. | CRISIL A1+ | 4.03% |
| 182 DAY T-BILL 31.12.26 | Sovereign | 3.54% |
| Union Bank of India | [ICRA]A1+ | 3.46% |
| Union Bank of India | [ICRA]A1+ | 3.43% |
| Punjab National Bank | CRISIL A1+ | 3.40% |
| Jio Credit Ltd. | CRISIL A1+ | 3.21% |
| Punjab National Bank | CRISIL A1+ | 3.07% |
| IDBI Bank Ltd. | CRISIL A1+ | 2.09% |
| Bank of Baroda | IND A1+ | 1.95% |
| JM Financial Properties & Holdings Ltd. | CRISIL A1+ | 1.76% |
| HDFC Bank Ltd. | [ICRA]A1+ | 1.76% |
| Indian Bank | CRISIL A1+ | 1.75% |
Largest industries: CRISIL A1+ 52.3%, [ICRA]A1+ 15.4%, Sovereign 13.4%, IND A1+ 11.1%, CARE A1+ 1.1%.
Other plan of this fund: SBI Money Market Fund - Regular Plan - Growth