SBI Overnight Fund · Regular · Growth
NAV
₹4395.4027
as of 02 Aug 2026
Expense Ratio
0.14%
AUM
₹28,204 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.23%
- 3Y
- +6.03%
- 5Y
- +5.55%
- Since Inception
- +6.55%
SIP returns (XIRR)
- 1Y
- +5.18%
- 3Y
- +5.70%
- 5Y
- +5.84%
- Since Inception
- +6.13%
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 (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹7,78,225 today — ₹5,95,000 invested, 5.3% XIRR.
₹5,95,000
Invested
₹7,78,225
Value today
5.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,67,455 today (5.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹8,96,321.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,36,324 today (1.36×).
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-70.99
Sharpe Ratio
—
Alpha
—
Beta
-15.29
Sortino
0.04%
Std Dev
0.00%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Treps87.34%
- 25.75% Corporate Bond Repo (Md 01-07-2026) (Counterparty Reliance Industries Ltd.)3.18%
- 35.75% Corporate Bond Repo (Md 01-07-2026) (Counterparty Reliance Industries Ltd.)1.68%
- 4L&T Finance Ltd.1.58%
- 55.75% Corporate Bond Repo (Md 01-07-2026) (Counterparty Reliance Industries Ltd.)1.49%
- 691 Day T-Bill 09.07.261.12%
- 7182 Day T-Bill 30.07.260.93%
- 8182 Day T-Bill 17.07.260.93%
- 9182 Day T-Bill 23.07.260.93%
- 10364 Day T-Bill 02.07.260.47%
Investment Objective
SBI Overnight Fund · Regular · Growth invests in overnight securities with a maturity of 1 business day. These funds carry virtually zero credit and interest rate risk, offering the highest safety among mutual funds with returns slightly above savings accounts.
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 with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Investors looking to park surplus cash for very short periods
- •SIP investors who can benefit from rupee cost averaging during market fluctuations