Sharpe ratio
1.93Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+6.34%1Y Absolute Return
+0.01%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| SBI SAVINGS FUND - DIRECT PLAN - GROWTHFund 5Y annualised return | ₹8,61,873 | ₹7,32,612 | ₹1,29,261 | +6.73% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.9 yrs
Fund information
Scheme code119821
ISININF200K01SZ5
BenchmarkCRISIL Money Market A-I Index
CategoryDebt Scheme - Money Market Fund
Expense ratio0.26%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
46th / 186 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.43% | — | — |
| 3M | +5.96% | — | — |
| 6M | +7.11% | — | — |
| 1Y | +6.34% | — | +2.65% |
| 3Y | +7.27% | — | +3.43% |
| 5Y | +6.73% | — | +3.19% |
| 10Y | +6.75% | — | — |
| Since Launch | +7.47% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
5.30Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
0.52%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
7.65How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio103%
Debt102.68%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 88 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA CD 09FEB27 | Financial | Certificate of Deposit | 4.36% |
| LIC HOUSING FINANCE LTD 328D CP 11FEB27 | Financial | Commercial Paper | 4.36% |
| CANARA BANK CD 12MAR27 | Financial | Certificate of Deposit | 4.34% |
| ICICI BANK LIMITED CD 19MAR27 | Financial | Certificate of Deposit | 4.34% |
| NATIONAL BANK FOR FINANCING INFRASTRUCTURE AND DEVELOPMENT CD 04MAR27 | Financial | Certificate of Deposit | 4.2% |
| 182 Days Tbill (MD 24/12/2026) | Financial | Treasury Bills | 3.84% |
| GOVERNMENT OF INDIA 37177 364 DAYS TBILL 04MR27 FV RS 100 | Financial | Treasury Bills | 3.8% |
| PUNJAB NATIONAL BANK CD 04FEB27 | Financial | Certificate of Deposit | 3.57% |
| KOTAK MAHINDRA BANK LIMITED CD 09MAR27 | Financial | Certificate of Deposit | 2.9% |
| PUNJAB NATIONAL BANK CD 09MAR27 | Financial | Certificate of Deposit | 2.89% |
Fund management
RA
Rajeev Radhakrishnan
Since 2023 · Prior to joining SBI AMC he has worked with UTI Asset Management Company Ltd.
Mr. Radhakrishnan is B.E (Production), MMS (Finance) and CFA.
PR
Pradeep Kesavan
Since 2023 · Prior to joining SBI MF, he has worked with Elara Capital, Accenture Strategy, Morgan Stanley and 3i Infotech
Mr. Kesavan has done B.Com, MBA (Finance) and CFA
SA
Sankalp Anil Jain
Since 2026 · Mr. Sankalp Anil Jain joined SBIFML on September 14, 2016. He has an overall 9 years of experience in the area of fundamental credit research.
CA, CFA
Compare similar funds
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Summary
A low to moderate-risk debt scheme - money market fund. Ranks 46 of 186 in its category over 1 year.
Strengths
- Ranks 46 of 186 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Suited for a few days to 3 months and emergency or idle cash.
Risk drivers
- None