SBI Savings Fund · Regular · Growth
NAV
₹44.1935
as of 31 Jul 2026
Expense Ratio
0.68%
AUM
₹34,765 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.81%
- 3Y
- +6.82%
- 5Y
- +6.05%
- Since Inception
- +5.52%
SIP returns (XIRR)
- 1Y
- +6.03%
- 3Y
- +6.65%
- 5Y
- +6.56%
- Since Inception
- +6.53%
Returns calculated from 08 December 2000 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 ₹8,11,190 today — ₹5,95,000 invested, 6.1% XIRR.
₹5,95,000
Invested
₹8,11,190
Value today
6.1%
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 ₹1,82,641 today (6.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹10,15,222.
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 ₹1,44,085 today (1.44×).
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, annualised0.63
Sharpe Ratio
—
Alpha
—
Beta
0.78
Sortino
0.48%
Std Dev
-0.16%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Lic Housing Finance Ltd.4.36%
- 2Small Industries Development Bank Of India4.36%
- 3Canara Bank4.34%
- 4Icici Bank Ltd.4.34%
- 5National Bank For Financing Infrastructure And Development4.20%
- 6182 Day T-Bill 24.12.263.84%
- 7364 Day T-Bill 04.03.273.80%
- 8Punjab National Bank3.57%
- 9Kotak Mahindra Bank Ltd.2.90%
- 10Punjab National Bank2.89%
Investment Objective
SBI Savings Fund · Regular · Growth by SBI Mutual Fund is a Money Market fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Money Market category.
About This Fund
SBI Savings Fund · Regular · Growth is a Money Market mutual fund offered by SBI Mutual Fund. The fund has been operational for over 27 years. It manages assets worth ₹34,765 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL MONEY MARKET A-I INDEX. The current expense ratio is 0.68%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations