SBI Overnight Fund · Regular · Growth
NAV
₹4460.4535
as of 15 Nov 2026
Expense Ratio
0.13%
AUM
₹27,554 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.18%
- 3Y
- +5.89%
- 5Y
- +5.68%
- Since Inception
- +6.53%
SIP returns (XIRR)
- 1Y
- +5.21%
- 3Y
- +5.57%
- 5Y
- +5.81%
- 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 (Nov 2016 – Nov 2026)
A ₹5,000 monthly SIP for the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,84,672 today — ₹6,00,000 invested, 5.3% XIRR.
₹6,00,000
Invested
₹7,84,672
Value today
5.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,66,953 today (5.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2016 would still hold ₹8,84,854.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Nov 2016 – Nov 2026) (22 Mar 2020) would be ₹1,38,338 today (1.38×).
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, annualisedNot meaningful for very-low-volatility funds
Sharpe Ratio
—
Alpha
—
Beta
Not meaningful for very-low-volatility funds
Sortino
0.06%
Std Dev
0.00%
Max Drawdown
Performance Comparison
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 191 Day T-Bill 01.10.261.17%
- 291 Day T-Bill 08.10.261.17%
- 391 Day T-Bill 29.10.260.58%
- 4182 Day T-Bill 15.10.260.39%
- 591 Day T-Bill 15.10.260.39%
- 6364 Day T-Bill 23.10.260.39%
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 ₹27,554 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL LIQUID OVERNIGHT INDEX. The current expense ratio is 0.13%.
Who Should Invest?
- •Investors looking to park surplus cash for very short periods