SBI Overnight Fund · Regular · Growth
NAV
₹4428.8044
as of 28 Sept 2026
Expense Ratio
0.14%
AUM
₹28,204 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.16%
- 3Y
- +5.94%
- 5Y
- +5.61%
- Since Inception
- +6.54%
SIP returns (XIRR)
- 1Y
- +5.12%
- 3Y
- +5.61%
- 5Y
- +5.80%
- Since Inception
- +6.11%
Returns calculated from 13 January 2012 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,86,022 today — ₹6,00,000 invested, 5.3% XIRR.
₹6,00,000
Invested
₹7,86,022
Value today
5.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,67,103 today (5.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹8,85,012.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,37,399 today (1.37×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-55.12
Sharpe Ratio
—
Alpha
—
Beta
-14.91
Sortino
0.05%
Std Dev
0.00%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Canara Bank7.37%
- 2Bank Of Baroda5.66%
- 3182 Day T-Bill 10.09.261.07%
- 4182 Day T-Bill 18.09.260.92%
- 5364 Day T-Bill 03.09.260.85%
- 6Kotak Mahindra Prime Ltd.0.85%
- 7Indian Bank0.53%
- 8Punjab National Bank0.43%
- 9L&T Finance Ltd.0.21%
- 10Kotak Securities Ltd.0.11%
What this fund does
SBI Overnight Fund · Regular · Growth invests in overnight securities with a maturity of 1 business day. These funds carry very low credit and interest rate risk, with returns typically close to short-term money market rates.
About This Fund
SBI Overnight Fund · Regular · Growth is a Overnight mutual fund offered by SBI Mutual Fund. The fund has been operational for over 20 years. It manages assets worth ₹28,204 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL LIQUID OVERNIGHT INDEX. The current expense ratio is 0.14%.
Who Should Invest?
- •Investors looking to park surplus cash for very short periods