Asset	31 May 2026	30 Apr 2026	31 Mar 2026	28 Feb 2026	31 Jan 2026	31 Dec 2025
Equity	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Debt	86.09%	94.11%	99.25%	99.14%	93.27%	101.33%
Others (incl. cash)	13.91%	5.89%	0.75%	0.86%	6.73%	-1.33%
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 %

13.91%

Top 5 Holdings %

30.42%

Top 10 Holdings %

46.32%

Modified Duration

0.53 yrs

Avg. Maturity

0.63 yrs

Yield to Maturity

7.48%

AUM

₹34,349 Cr

Expense Ratio

0.26%

Since Inception

7.48%

Max Drawdown

-0.01%

Sharpe Ratio

2.50

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
Small Industries Devp. Bank of India Ltd.	Financial	30,000	1,421.66	4.14%	0.23%↑
LIC Housing Finance Ltd.	Financial	30,000	1,421.07	4.14%	0.23%↑
Canara Bank	Financial	30,000	1,414.21	4.12%	0.23%↑
ICICI Bank Ltd.	Financial	30,000	1,412.5	4.11%	0.22%↑
National Bank For Financing Infrastructure And Development	Financial	29,000	1,369.34	3.99%	0.22%↑
Reserve Bank of India	Financial	13,00,00,000	1,244.48	3.62%	0.20%↑
Reserve Bank of India	Financial	10,00,00,000	956.26	2.78%	0.15%↑
Punjab National Bank	Financial	20,000	949.85	2.77%	0.16%↑
Kotak Mahindra Bank Ltd.	Financial	20,000	943.49	2.75%	0.15%↑
Punjab National Bank	Financial	20,000	943.42	2.75%	0.15%↑
Jio Credit Ltd.	Financial	20,000	938.88	2.73%	0.14%↑
Small Industries Devp. Bank of India Ltd.	Financial	17,000	804.11	2.34%	-0.26%↓
Canara Bank	Financial	16,000	755.54	2.20%	-0.98%↓
Bank Of Baroda	Financial	16,000	755.35	2.20%	0.12%↑
Reserve Bank of India	Financial	7,50,00,000	718.64	2.09%	0.11%↑
HDFC Bank Ltd.	Financial	15,100	711.41	2.07%	0.11%↑
National Bank For Agriculture & Rural Development	Financial	14,000	658.9	1.92%	0.11%↑
GOI	Sovereign	6,00,00,000	609.37	1.77%	0.09%↑
IDBI Bank Ltd.	Financial	12,000	564.59	1.64%	0.09%↑
Aditya Birla Capital Ltd.	Financial	10,000	491.6	1.43%	-

1 / 4

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
A1+	81.63%	87.82%
SOV	11.46%	11.61%
Cash & Call Money	6.63%	0.25%
Others	0.28%	0.29%
AAA	-	0.03%
Cash	-	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
Small Industries Devp. Bank of India Ltd.	Certificate of Deposit	0.00%	09/02/2027	CRISIL A1+	4.14%
LIC Housing Finance Ltd.	Commercial Paper	0.00%	328-D 11/02/2027	CRISIL A1+	4.14%
Canara Bank	Certificate of Deposit	0.00%	12/03/2027	CRISIL A1+	4.12%
ICICI Bank Ltd.	Certificate of Deposit	0.00%	19/03/2027	[ICRA]A1+	4.11%
National Bank For Financing Infrastructure And Development	Certificate of Deposit	0.00%	04/03/2027	IND A1+	3.99%
Reserve Bank of India	Treasury Bills	0.00%	364-D 04/03/2027	SOV	3.62%
Reserve Bank of India	Treasury Bills	0.00%	364-D 11/03/2027	SOV	2.78%
Punjab National Bank	Certificate of Deposit	0.00%	04/02/2027	CRISIL A1+	2.77%
Kotak Mahindra Bank Ltd.	Certificate of Deposit	0.00%	09/03/2027	CRISIL A1+	2.75%
Punjab National Bank	Certificate of Deposit	0.00%	09/03/2027	CRISIL A1+	2.75%
Jio Credit Ltd.	Commercial Paper	0.00%	364-D 19/03/2027	CRISIL A1+	2.73%
Small Industries Devp. Bank of India Ltd.	Certificate of Deposit	0.00%	18/02/2027	CRISIL A1+	2.34%
Canara Bank	Certificate of Deposit	0.00%	04/03/2027	CRISIL A1+	2.20%
Bank Of Baroda	Certificate of Deposit	0.00%	05/03/2027	IND A1+	2.20%
Reserve Bank of India	Treasury Bills	0.00%	364-D 25/02/2027	SOV	2.09%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	12/03/2027	CRISIL A1+	2.07%
National Bank For Agriculture & Rural Development	Certificate of Deposit	0.00%	18/03/2027	CRISIL A1+	1.92%
GOI	GOI Securities	8.24%	15/02/2027	SOV	1.77%
IDBI Bank Ltd.	Certificate of Deposit	0.00%	0	CRISIL A1+	1.64%
Aditya Birla Capital Ltd.	Commercial Paper	0.00%	91-D 18/08/2026	CRISIL A1+	1.43%
Bharti Telecom Ltd.	Commercial Paper	0.00%	365-D 18/09/2026	CRISIL A1+	1.42%
Indian Bank	Certificate of Deposit	0.00%	03/02/2027	CRISIL A1+	1.38%
L&T Finance Ltd.	Commercial Paper	0.00%	364-D 19/03/2027	CRISIL A1+	1.37%
Bank Of Baroda	Certificate of Deposit	0.00%	08/03/2027	IND A1+	1.37%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	02/03/2027	CRISIL A1+	1.37%
Cholamandalam Investment and Finance Company Ltd.	Commercial Paper	0.00%	364-D 26/02/2027	CRISIL A1+	1.37%
Jio Credit Ltd.	Commercial Paper	0.00%	0	CRISIL A1+	1.37%
National Bank For Agriculture & Rural Development	Certificate of Deposit	0.00%	10/03/2027	CRISIL A1+	1.37%
National Bank For Agriculture & Rural Development	Certificate of Deposit	0.00%	02/03/2027	CRISIL A1+	1.37%
Tata Realty and Infrastructure Ltd.	Commercial Paper	0.00%	78-D 19/06/2026	CRISIL A1+	1.35%
Aditya Birla Capital Ltd.	Commercial Paper	0.00%	0	CRISIL A1+	1.30%
Bank Of Baroda	Certificate of Deposit	0.00%	12/02/2027	IND A1+	1.24%
HDFC Bank Ltd.	Certificate of Deposit	0.00%	24/02/2027	CRISIL A1+	1.10%
Union Bank of India	Certificate of Deposit	0.00%	15/03/2027	[ICRA]A1+	1.03%
Mindspace Business Parks REIT	Commercial Paper	0.00%	138-D 15/09/2026	[ICRA]A1+	1.00%
Muthoot Finance Ltd.	Commercial Paper	0.00%	365-D 09/03/2027	CRISIL A1+	0.96%
Sundaram Finance Ltd.	Commercial Paper	0.00%	306-D 15/02/2027	CRISIL A1+	0.83%
Muthoot Finance Ltd.	Commercial Paper	0.00%	363-D 25/02/2027	CRISIL A1+	0.82%
Indian Overseas Bank	Certificate of Deposit	0.00%	25/02/2027	CARE A1+	0.82%
Adani Ports and Special Economic Zone Ltd.	Commercial Paper	0.00%	96-D 17/08/2026	CRISIL A1+	0.72%
Bharti Telecom Ltd.	Commercial Paper	0.00%	113-D 03/09/2026	CRISIL A1+	0.71%
Bank Of Baroda	Certificate of Deposit	0.00%	11/03/2027	IND A1+	0.69%
Canara Bank	Certificate of Deposit	0.00%	11/03/2027	CRISIL A1+	0.69%
Pilani Investment And Industries Corporation Ltd.	Commercial Paper	0.00%	365-D 12/03/2027	CRISIL A1+	0.68%
AU Small Finance Bank Ltd.	Certificate of Deposit	0.00%	11/09/2026	CRISIL A1+	0.64%
Small Industries Devp. Bank of India Ltd.	Commercial Paper	0.00%	26/02/2027	CRISIL A1+	0.62%
Small Industries Devp. Bank of India Ltd.	Certificate of Deposit	0.00%	04/02/2027	CRISIL A1+	0.62%
Minda Corporation Ltd.	Commercial Paper	0.00%	47-D 22/06/2026	CRISIL A1+	0.58%
AU Small Finance Bank Ltd.	Certificate of Deposit	0.00%	25/08/2026	CRISIL A1+	0.57%
SMFG India Credit Company Ltd.	Commercial Paper	0.00%	362-D 28/09/2026	CRISIL A1+	0.57%
Muthoot Fincorp Ltd.	Commercial Paper	0.00%	142-D 17/09/2026	CRISIL A1+	0.57%
Aditya Birla Capital Ltd.	Commercial Paper	0.00%	365-D 26/02/2027	CRISIL A1+	0.55%
Union Bank of India	Certificate of Deposit	0.00%	02/03/2027	[ICRA]A1+	0.55%
Punjab National Bank	Certificate of Deposit	0.00%	18/03/2027	CRISIL A1+	0.55%
Canara Bank	Certificate of Deposit	0.00%	02/02/2027	CRISIL A1+	0.55%
ICICI Bank Ltd.	Certificate of Deposit	0.00%	27/01/2027	[ICRA]A1+	0.55%
GOI	GOI Securities	0.00%	12/06/2026	SOV	0.53%
Interise Trust	Commercial Paper	0.00%	364-D 03/06/2026	[ICRA]A1+	0.47%
Godrej Housing Finance Ltd.	Commercial Paper	0.00%	365-D 23/03/2027	CRISIL A1+	0.41%
Motilal Oswal Financial Services Ltd.	Commercial Paper	0.00%	365-D 05/03/2027	CRISIL A1+	0.41%
Union Bank of India	Certificate of Deposit	0.00%	25/06/2026	[ICRA]A1+	0.36%
Punjab National Bank	Certificate of Deposit	0.00%	09/02/2027	CRISIL A1+	0.33%
Bank Of Baroda	Certificate of Deposit	0.00%	25/01/2027	IND A1+	0.33%
Muthoot Finance Ltd.	Commercial Paper	0.00%	301-D 02/06/2026	CRISIL A1+	0.29%
Haryana State	State Development Loan	7.98%	29/06/2026	SOV	0.29%
Punjab National Bank	Certificate of Deposit	0.00%	12/03/2027	CRISIL A1+	0.27%
Small Industries Devp. Bank of India Ltd.	Commercial Paper	0.00%	25/03/2027	CRISIL A1+	0.21%
Gujarat State	State Development Loan	6.04%	20/10/2026	SOV	0.15%
Kerala State	State Development Loan	7.61%	09/08/2026	SOV	0.15%
Madhya Pradesh State	State Development Loan	7.38%	14/09/2026	SOV	0.07%
Deutsche Bank AG (India)	Interest Rate Swap	0.00%	15/02/2027	-	-2.91%
Deutsche Bank AG (India)	Interest Rate Swap	0.00%	18/02/2027	-	-4.37%

Frequently Asked Questions

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

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

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

SBI Savings Fund Direct-Growth holds 72 securities in its portfolio. The top 5 holdings account for 30.42% of the portfolio and the top 10 for 46.32%.

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

The sector allocation of SBI Savings 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 Savings Fund Direct-Growth?

As of 31 May 2026, SBI Savings Fund Direct-Growth has 0.00% in equity, 86.09% in debt and 13.91% in cash/others. This asset mix determines the fund's overall risk-return profile. The debt portfolio has a yield to maturity (YTM) of 7.48%.

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

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

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

SBI Savings Fund Direct-Growth holds 72 securities, with the top 10 accounting for 46.32% of the portfolio and the top 5 for 30.42%. This is a moderately diversified fund balancing conviction positions with risk spread.

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

The debt holdings of SBI Savings Fund Direct-Growth are rated as follows — A1+: 81.63%, SOV: 11.46%, Cash & Call Money: 6.63%, Others: 0.28%. 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 Savings Fund Direct-Growth change its portfolio?

The portfolio currently holds 72 securities with the top 10 accounting for 46.32% as of 31 May 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 Savings Fund Direct-Growth's portfolio?

The portfolio-level PE, PB and debt metrics of SBI Savings 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 Savings Fund Direct-Growth?

The latest portfolio disclosure for SBI Savings Fund Direct-Growth is as of 31 May 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.

Loading…

Asset

31 May 2026

30 Apr 2026

31 Mar 2026

28 Feb 2026

31 Jan 2026

31 Dec 2025

Equity

0.00%

Debt

86.09%

94.11%

99.25%

99.14%

93.27%

101.33%

Others (incl. cash)

13.91%

5.89%

0.75%

0.86%

6.73%

-1.33%

Commodities

0.00%

Real Estate

0.00%

Instrument

Sector

No. of Shares

Value (Rs. Cr)

Weight

Change

Small Industries Devp. Bank of India Ltd.

Financial

30,000

1,421.66

4.14%

0.23%↑

LIC Housing Finance Ltd.

Financial

30,000

1,421.07

4.14%

0.23%↑

Canara Bank

Financial

30,000

1,414.21

4.12%

0.23%↑

ICICI Bank Ltd.

Financial

30,000

1,412.5

4.11%

0.22%↑

National Bank For Financing Infrastructure And Development

Financial

29,000

1,369.34

3.99%

0.22%↑

Reserve Bank of India

Financial

13,00,00,000

1,244.48

3.62%

0.20%↑

Reserve Bank of India

Financial

10,00,00,000

956.26

2.78%

0.15%↑

Punjab National Bank

Financial

20,000

949.85

2.77%

0.16%↑

Kotak Mahindra Bank Ltd.

Financial

20,000

943.49

2.75%

0.15%↑

Punjab National Bank

Financial

20,000

943.42

2.75%

0.15%↑

Jio Credit Ltd.

Financial

20,000

938.88

2.73%

0.14%↑

Small Industries Devp. Bank of India Ltd.

Financial

17,000

804.11

2.34%

-0.26%↓

Canara Bank

Financial

16,000

755.54

2.20%

-0.98%↓

Bank Of Baroda

Financial

16,000

755.35

2.20%

0.12%↑

Reserve Bank of India

Financial

7,50,00,000

718.64

2.09%

0.11%↑

HDFC Bank Ltd.

Financial

15,100

711.41

2.07%

0.11%↑

National Bank For Agriculture & Rural Development

Financial

14,000

658.9

1.92%

0.11%↑

GOI

Sovereign

6,00,00,000

609.37

1.77%

0.09%↑

IDBI Bank Ltd.

Financial

12,000

564.59

1.64%

0.09%↑

Aditya Birla Capital Ltd.

Financial

10,000

491.6

1.43%

Rating

Fund