TickerKhojSBI Mutual Fund · Debt · Floating Interest Rates · Direct plan
SBI Floating Interest Rates Fund - Direct Plan - Growth
₹14.5154NAV on 31 Oct 2026Expense ratio 0.28%
30 Oct 2025NAV low 13.67 · high 14.52+6.2%
In plain words
Over 3 years it returned +7.3% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -0.6%.
On 3-year return it ranks 8 of 12 funds in Floating Interest Rates.
A monthly SIP over 5 years ended ₹3,267 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 | +0.6% | -5.1% |
| 6 months | +2.9% | -3.2% |
| 1 year | +6.1% | -10.2% |
| 3 years (yearly) | +7.3% | +7.4% |
| 5 years (yearly) | +6.7% | +6.5% |
| Since start (yearly) | +6.4% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,24,329 | +5.9% |
| 3 years | ₹3,60,000 | ₹4,01,062 | +6.8% |
| 5 years | ₹5,90,000 | ₹7,06,939 | +7.1% |
Top holdings (30 Sept 2026)
Fund size ₹676 crore · 18 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| 6.84% State Government of Gujarat 2031 | Sovereign | 11.52% |
| 7.57% State Government of Gujarat 2031 | Sovereign | 7.42% |
| National Bank for Agriculture and Rural Development | [ICRA]AAA | 7.40% |
| Axis Bank Ltd. | CRISIL A1+ | 7.30% |
| Sundaram Finance Ltd. | CRISIL A1+ | 7.23% |
| Punjab National Bank | CRISIL A1+ | 7.18% |
| 7.00% State Government of Tamil Nadu 2031 | Sovereign | 6.53% |
| Bank of Baroda | IND A1+ | 6.51% |
| Bharti Telecom Ltd. | CRISIL AAA | 5.87% |
| Canara Bank | CRISIL A1+ | 5.78% |
| TATA Capital Ltd. | [ICRA]AAA | 4.45% |
| Aditya Birla Housing Finance Ltd. | CRISIL AAA | 4.41% |
| 6.94% CGL 2036 | Sovereign | 3.64% |
| 6.84% State Government of Gujarat 2031 | Sovereign | 3.61% |
| Small Industries Development Bank of India | CRISIL A1+ | 3.60% |
Largest industries: Sovereign 34.9%, CRISIL A1+ 31.1%, [ICRA]AAA 11.9%, CRISIL AAA 10.3%, IND A1+ 6.5%, CDMDF 0.9%.
Other plan of this fund: SBI Floating Interest Rates Fund - Regular Plan - Growth