SBI Savings Fund Direct-Growth
Debt: Money Market - Growth (Open ended) Factsheet
SEBI Riskometer: Low to ModerateCategory: Debt: Money MarketBenchmark: CRISIL Money Market A-I Index
NAV: ₹47.41-0.06%
08 Jul 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for SBI Savings Fund Direct-Growth.
Historical Asset Allocation
| 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
72
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% | - |
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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 |
|---|---|---|
| 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.