NSE ScannerSBI Mutual Fund · Debt · Ultra Short Term · Direct plan
SBI ULTRA SHORT TERM FUND - Direct Plan - Growth
₹6,602.289NAV on 31 Oct 2026Expense ratio 0.35%
30 Oct 2025NAV low 6,210.93 · high 6,602.29+6.3%
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 -0.1%.
On 3-year return it ranks 13 of 19 funds in Ultra Short Term.
A monthly SIP over 10 years ended ₹18,294 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 | +1.5% | -5.1% |
| 6 months | +3.2% | -3.2% |
| 1 year | +6.3% | -10.2% |
| 3 years (yearly) | +7.1% | +7.4% |
| 5 years (yearly) | +6.5% | +6.5% |
| 10 years (yearly) | +6.5% | +11.3% |
| Since start (yearly) | +7.2% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,644 | +6.3% |
| 3 years | ₹3,60,000 | ₹4,01,197 | +6.8% |
| 5 years | ₹5,90,000 | ₹7,03,652 | +6.9% |
| 10 years | ₹12,00,000 | ₹16,80,753 | +6.5% |
Top holdings (30 Sept 2026)
Fund size ₹11,237 crore · 61 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| HDFC Bank Ltd. | [ICRA]A1+ | 9.60% |
| 91 DAY T-BILL 22.10.26 | Sovereign | 7.10% |
| Kotak Mahindra Bank Ltd. | CRISIL A1+ | 6.92% |
| National Bank for Agriculture and Rural Development | CRISIL A1+ | 6.05% |
| Punjab National Bank | CRISIL A1+ | 3.91% |
| Bank of Baroda | IND A1+ | 3.78% |
| Muthoot Fincorp Ltd. | CRISIL A1+ | 3.43% |
| Small Industries Development Bank of India | CRISIL A1+ | 3.38% |
| Muthoot Finance Ltd. | CRISIL AA+ | 2.87% |
| Adani Power Ltd. | CRISIL AA | 2.66% |
| Union Bank of India | [ICRA]A1+ | 2.62% |
| Avanse Financial Services Ltd. | IND AA | 2.21% |
| Axis Bank Ltd. | CRISIL A1+ | 2.20% |
| Radhakrishna Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) | CRISIL AAA(SO) | 2.16% |
| Eris Lifesciences Ltd. | IND AA | 1.78% |
Largest industries: CRISIL A1+ 35.2%, [ICRA]A1+ 13.1%, IND A1+ 9.4%, Sovereign 9.4%, CRISIL AA+ 7.6%, CRISIL AA 6.0%.
Other plan of this fund: SBI ULTRA SHORT TERM FUND - Regular Plan - Growth