SBI Mutual FundDebtModerate Risk

SBI Debt Fund - Direct Plan - Growth

Current NAV₹13.73as of 30/5/2026

AUM8.34 Lac Cr

AUM

8.34 Lac Cr

Expense Ratio

0.71%

Min SIP

₹500

Min Lumpsum

₹1000

Launch Date

9 April 2018

Exit Load

Nil

Riskometer

LowModerateHighVery High

Risk Level: Moderate

Volatility: 3 | Sharpe Ratio: 2.67

Fund Manager & Key Metrics

Fund ManagerArdhendu Bhattacharya; Ruchit Mehta(4.1 years yrs)

Volatility3

Sharpe Ratio2.67

Portfolio Turnover150%

BenchmarkCRISIL Composite Bond Fund Index

Holdings Date25/5/2026

Asset Allocation

Debenture: 40.00% | SDL: 30.00% | T-Bills: 20.00% | GOI Sec: 10.00%

Investment Objective

Aims to provide capital appreciation by investing in Debt securities

Top Holdings

As of 25-May-2026

1. National Bank For Agriculture And Rural Development5.8%

2. Power Finance Corporation Ltd.5.2%

3. Rural Electrification Corporation Ltd.4.9%

4. 7.26% GOI 20324.5%

5. State Bank of India4.1%

6. National Highways Authority of India3.8%

7. Housing Development Finance Corporation Ltd.3.5%

8. Indian Railway Finance Corporation Ltd.3.2%

9. HDFC Bank Ltd.2.9%

10. Bajaj Finance Ltd.2.5%

Overview

Overview not available.

Performance & Analysis

Performance data not available.

SBI Debt Fund - Direct Plan - Growth ke top holdings mein National Bank For Agriculture And Rural Development (5.8%), Power Finance Corporation Ltd. (5.2%), Rural Electrification Corporation Ltd. (4.9%), 7.26% GOI 2032 (4.5%), aur State Bank of India (4.1%) shaamil hai.

Yeh fund kaafi diversified hai, jo sectors mein different types ke bonds ko hold karta hai. Yeh strategy isko risk manage karne mein madad karti hai, aur returns ko stabilize karti hai. Ek strong portfolio hamesha ek achhe fund ka sign hota hai.

Riskometer ke hisaab se, SBI Debt Fund - Direct Plan - Growth ka risk level moderate hai. Yeh fund un investors ke liye theek hai jo zyada risk nahi lena chahte par achhe returns ki ummeed rakhte hain.

Volatility bhi kaafi controlled hai, jo is fund ko stable banata hai. Sharpe ratio bhi positive hai, jo yeh dikhata hai ki risk ke hisaab se return kaafi achha hai. Iska matlab hai ki aapko achhe returns milne ki umeed ho sakti hai.

Who Should Invest?

Lagta hai ki aane wale samay mein, SBI Debt Fund - Direct Plan - Growth ki performance aur bhi behtar ho sakti hai. Yeh fund economic stability ke period mein achhe returns dene ki sambhavna rakhta hai.

Ho sakta hai ki interest rates thoda badhe, lekin long-term mein fund ki strategy kaafi strong hai. Is fund se long-term investors ko acha growth dekhne ko mil sakta hai, agar aap regular investment karte hain.

Pros & Cons

Fayde:
- Stable returns, jo market ke fluctuation se kam affect hoti hain.
- Moderate risk level, suitable for conservative investors.
- Good expense ratio (0.71%), jo aapke returns ko improve karta hai.
- Diversified portfolio, jo risk manage karne mein madad karta hai.
Nuksan:
- Fixed income ki wajah se, returns equity funds se kam ho sakte hain.
- Short-term volatility ho sakti hai, jo investors ko disturb kar sakti hai.
- Inflation ke dauraan returns ka effect ho sakta hai.

Frequently Asked Questions

SBI Debt Fund - Direct Plan - Growth me investment karna chahiye?

Haan, agar aapko stable returns aur moderate risk chahiye toh yeh fund sahi hai.

Is fund ka expense ratio kya hai?

SBI Debt Fund - Direct Plan - Growth ka expense ratio 0.71% hai.

1 saal ka return kya hai?

1 saal ka return 4.95% hai.

Kya mujhe SIP karni chahiye?

Haan, SIP karna ek achha option hai agar aap regular investment chahte hain.

Returns

Period	Fund Return (%)	Benchmark (CRISIL Composite Bond Fund Index) (%)
1 Year	4.95%	—
3 Years	14.51%	—
5 Years	12.09%	—
Since Launch	N/A	—

SIP Calculator

SIP / Lumpsum Calculator

Monthly SIP Amount (₹)

SIP Period (Years)

Hold Period After SIP (Years)

Annual Step-Up (%)

Return Scenario

Based on fund's 3Y return of 14.5%

Invested: ₹956k

Gains: ₹28408k

Total Invested

₹956245.48

Total Returns

+ ₹28407668.52

Maturity Value

₹29363914.00

SIP of ₹5000 for 10 years (stepping up 10% annually), then held for 20 years at 14.5% p.a.

*Projected returns are for illustration only. Past performance does not guarantee future returns.

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Disclaimer: Mutual fund investments are subject to market risks. Please read all scheme‑related documents carefully before investing. Past performance does not guarantee future returns. The content on this page is for educational purposes only.