holdings

SBI Gilt Fund Direct-Growth

Debt: Gilt - Growth (Open ended)

SBI Gilt Fund Direct-GrowthNAV: 72.79 as on 07 Jul, 2026

Risk levelCategoryBenchmark

Factsheet

SEBI Riskometer: ModerateCategory: Debt: GiltBenchmark: NIFTY All Duration G-Sec Index

NAV: ₹72.79-0.19%

08 Jul 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for SBI Gilt Fund Direct-Growth.

Asset Allocation

As on 30 Jun 2026

Debt

92.32%

Others

7.68%

Historical Asset Allocation

Asset	30 Jun 2026	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026
Equity	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Debt	92.32%	95.59%	80.95%	79.39%	66.47%	90.53%
Others (incl. cash)	7.68%	4.41%	19.05%	20.61%	33.53%	9.47%
Commodities	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Real Estate	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Portfolio Snapshot

No. of Securities

Top Holding %

27.60%

Top 5 Holdings %

62.08%

Top 10 Holdings %

81.05%

Modified Duration

5.91 yrs

Avg. Maturity

10.14 yrs

Yield to Maturity

6.89%

AUM

₹8,455 Cr

Expense Ratio

0.50%

Since Inception

8.83%

Max Drawdown

-0.10%

Sharpe Ratio

0.33

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.

Instrument	Sector	No. of Shares	Value (Rs. Cr)	Weight	Change
GOI	Sovereign	23,40,00,000	2,333.35	27.60%	-
GOI	Sovereign	10,10,00,000	1,001.73	11.85%	-
Maharashtra State	Others	7,10,97,200	719.43	8.51%	-
Andhra Pradesh State	Financial	5,42,49,400	544.42	6.44%	-
Reserve Bank of India	Financial	4,00,00,000	396.01	4.68%	0.15%↑
West Bengal State	Others	3,39,16,800	345.44	4.09%	0.22%↑
GOI	Sovereign	3,30,00,000	329.19	3.89%	-
GOI	Sovereign	2,75,00,000	286.14	3.38%	-
Reserve Bank of India	Financial	2,50,00,000	247.5	2.93%	-
GOI	Sovereign	2,45,00,000	238.74	2.82%	-31.91%↓
Kerala State	Others	2,15,00,000	216.53	2.56%	0.12%↑
West Bengal State	Others	2,10,01,600	208.61	2.47%	0.11%↑
Tamilnadu State	Others	2,00,00,000	206.15	2.44%	-
GOI	Sovereign	1,90,00,000	194.46	2.30%	0.10%↑
Bihar State	Others	1,50,00,000	153.65	1.82%	0.09%↑
GOI	Sovereign	1,30,00,000	120.87	1.43%	-2.25%↓
Reserve Bank of India	Financial	1,10,00,000	109.88	1.30%	-
Maharashtra State	Others	75,00,000	76.99	0.91%	-
GOI	Sovereign	37,40,700	36.96	0.44%	0.02%↑
Reserve Bank of India	Financial	20,00,000	19.88	0.24%	-0.39%↓

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Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.

Rating	Fund	Category
SOV	92.32%	94.03%
Cash & Call Money	7.68%	7.70%
Cash	-	-1.80%
Others	-	0.00%

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk

	Interest risk
	Low	Moderate	High
Low
Moderate
High

Instruments

Full name	Description	Coupon rate	Maturity	Rating raw	Weight
GOI	GOI Securities	7.43%	19/01/2076	SOV	27.60%
GOI	GOI Securities	7.24%	18/08/2055	SOV	11.85%
Maharashtra State	State Development Loan	7.55%	22/04/2034	SOV	8.51%
Andhra Pradesh State	State Development Loan	7.28%	2032	SOV	6.44%
Reserve Bank of India	Treasury Bills	0.00%	182-D 10/09/2026	SOV	4.68%
West Bengal State	State Development Loan	7.79%	18/03/2045	SOV	4.09%
GOI	GOI Securities	6.36%	16/02/2031	SOV	3.89%
GOI	GOI Securities	7.71%	18/05/2066	SOV	3.38%
Reserve Bank of India	Treasury Bills	0.00%	91-D 10/09/2026	SOV	2.93%
GOI	GOI Securities	6.68%	07/07/2040	SOV	2.82%
Kerala State	State Development Loan	7.66%	18/02/2039	SOV	2.56%
West Bengal State	State Development Loan	7.58%	31/12/2042	SOV	2.47%
Tamilnadu State	State Development Loan	7.80%	27/07/2032	SOV	2.44%
GOI	GOI Securities	7.02%	18/06/2031	SOV	2.30%
Bihar State	State Development Loan	7.86%	11/02/2039	SOV	1.82%
GOI	GOI Securities	6.90%	15/04/2065	SOV	1.43%
Reserve Bank of India	Treasury Bills	0.00%	91-D 09/07/2026	SOV	1.30%
Maharashtra State	State Development Loan	7.70%	25/05/2032	SOV	0.91%
GOI	GOI Securities	6.28%	14/07/2032	SOV	0.44%
Reserve Bank of India	Treasury Bills	0.00%	91-D 13/08/2026	SOV	0.24%
Mizoram State	State Development Loan	7.85%	11/02/2042	SOV	0.12%
Chhattisgarh State	State Development Loan	7.37%	15/04/2031	SOV	0.10%

Frequently Asked Questions

What are the top holdings of SBI Gilt Fund Direct-Growth?

The top holdings of SBI Gilt Fund Direct-Growth sorted by portfolio weight are listed in the Top Portfolio Holdings section of the Holdings tab.

How many stocks does SBI Gilt Fund Direct-Growth hold in its portfolio?

SBI Gilt Fund Direct-Growth holds 23 securities in its portfolio. The top 5 holdings account for 62.08% of the portfolio and the top 10 for 81.05% — a concentrated portfolio that amplifies stock-specific outcomes.

What is the sector allocation of SBI Gilt Fund Direct-Growth?

The sector allocation of SBI Gilt Fund Direct-Growth is in the Sector Allocation section, showing each industry's weight in the portfolio.

What is the equity and debt allocation of SBI Gilt Fund Direct-Growth?

As of 30 Jun 2026, SBI Gilt Fund Direct-Growth has 0.00% in equity, 92.32% in debt and 7.68% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 6.89%.

What is the market cap allocation of SBI Gilt Fund Direct-Growth?

The market cap distribution of SBI Gilt Fund Direct-Growth — Large, Mid and Small Cap — is shown as a chart in the Holdings Analysis section.

Is SBI Gilt Fund Direct-Growth a concentrated or diversified fund?

SBI Gilt Fund Direct-Growth holds 23 securities, with the top 10 accounting for 81.05% of the portfolio and the top 5 for 62.08%. With fewer than 30 holdings, this is a concentrated fund — each stock has a meaningful impact on performance.

What is the credit quality of SBI Gilt Fund Direct-Growth?

The debt holdings of SBI Gilt Fund Direct-Growth are rated as follows — SOV: 92.32%, Cash & Call Money: 7.68%. Higher allocation to AAA and sovereign instruments means lower credit risk. The full rating profile compared to the category average is in the Credit Rating section.

How often does SBI Gilt Fund Direct-Growth change its portfolio?

The portfolio currently holds 23 securities with the top 10 accounting for 81.05% as of 30 Jun 2026. Portfolio turnover reflects how actively the fund manager trades. A high turnover increases transaction costs while a low turnover reflects a buy-and-hold approach. Historical asset allocation snapshots across multiple dates are in the Holdings Analysis section.

What is the PE ratio of SBI Gilt Fund Direct-Growth's portfolio?

The portfolio-level PE, PB and debt metrics of SBI Gilt Fund Direct-Growth are in the Holdings Analysis section. These help assess whether the portfolio is invested in relatively cheap or expensive securities.

When is the latest portfolio disclosure for SBI Gilt Fund Direct-Growth?

The latest portfolio disclosure for SBI Gilt Fund Direct-Growth is as of 30 Jun 2026. Mutual funds and ETFs in India are required to disclose their full portfolio monthly, within 10 business days of month-end. You can switch between historical disclosure dates using the date selector in the Top Portfolio Holdings section.

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Asset

30 Jun 2026

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

Equity

0.00%

Debt

92.32%

95.59%

80.95%

79.39%

66.47%

90.53%

Others (incl. cash)

7.68%

4.41%

19.05%

20.61%

33.53%

9.47%

Commodities

0.00%

Real Estate

0.00%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

GOI

Sovereign

23,40,00,000

2,333.35

27.60%

GOI

Sovereign

10,10,00,000

1,001.73

11.85%

Maharashtra State

Others

7,10,97,200

719.43

8.51%

Andhra Pradesh State

Financial

5,42,49,400

544.42

6.44%

Reserve Bank of India

Financial

4,00,00,000

396.01

4.68%

0.15%↑

West Bengal State

Others

3,39,16,800

345.44

4.09%

0.22%↑

GOI

Sovereign

3,30,00,000

329.19

3.89%

GOI

Sovereign

2,75,00,000

286.14

3.38%

Reserve Bank of India

Financial

2,50,00,000

247.5

2.93%

GOI

Sovereign

2,45,00,000

238.74

2.82%

-31.91%↓

Kerala State

Others

2,15,00,000

216.53

2.56%

0.12%↑

West Bengal State

Others

2,10,01,600

208.61

2.47%

0.11%↑

Tamilnadu State

Others

2,00,00,000

206.15

2.44%

GOI

Sovereign

1,90,00,000

194.46

2.30%

0.10%↑

Bihar State

Others

1,50,00,000

153.65

1.82%

0.09%↑

GOI

Sovereign

1,30,00,000

120.87

1.43%

-2.25%↓

Reserve Bank of India

Financial

1,10,00,000

109.88

1.30%

Maharashtra State

Others

75,00,000

76.99

0.91%

GOI

Sovereign

37,40,700

36.96

0.44%

0.02%↑

Reserve Bank of India

Financial

20,00,000

19.88

0.24%

-0.39%↓

Rating

Fund