SBI Banking and PSU Fund - Regular Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

No of Debt Holding 51 (Category Avg - 60.90) | Modified Duration 3.30 Years (Category Avg - 2.97)| Yield to Maturity 6.77% (Category Avg - 6.68%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	14.46%	14.96%
CD	11.35%	5.58%
T-Bills	0.00%	0.04%
CP	0.00%	0.08%
NCD & Bonds	67.79%	72.98%
PTC	0.00%	0.96%

Category - Banking and PSU Fund

Security Type	% Weight	Category Average
Government Backed	14.46%	14.99%
Low Risk	79.14%	79.60%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Category - Banking and PSU Fund

Debt holding in Portfolio (as on 31st Oct,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			2381.90	5.63%	2.35 Cr
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	2113.36	5.00%	23.00 k
Bond - GAIL (India) Ltd.	NCD & Bonds	Gas transmission/marketing	INDAAA	FITCH	1779.86	4.21%	1.75 k
Bond - ONGC Petro-Additions Ltd.	NCD & Bonds	Petrochemicals	AA+	CRISIL	1773.49	4.20%	17.50 k
Bond - National Bank for Financing Infrastructure and Development	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1733.21	4.10%	17.00 k
Bond - Govt of India	GOI	Other			1703.52	4.03%	1.70 Cr
Bond - ICICI Bank Ltd.	NCD & Bonds	Private sector bank	LAAA	ICRA	1612.62	3.81%	1.60 k
Bond - India Infrastructure Finance Co. Ltd.	NCD & Bonds	Financial institution	INDAAA	FITCH	1510.59	3.57%	15.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	1440.72	3.41%	3.00 k
Bond - National Highways Infra Trust	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	INDAAA	FITCH	1282.02	3.03%	25.00 k
Bond - Equitas Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	1173.88	2.78%	2.50 k
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	LAAA	ICRA	1066.62	2.52%	10.40 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1017.92	2.41%	10.00 k
Bond - ONGC Petro-Additions Ltd.	NCD & Bonds	Petrochemicals	AA+	CRISIL	1007.62	2.38%	10.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1005.41	2.38%	1.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	994.08	2.35%	10.00 k
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	987.42	2.34%	1.00 k
Bond - Govt of India	GOI	Other			982.29	2.32%	95.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	981.20	2.32%	2.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	967.36	2.29%	9.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	812.91	1.92%	8.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	763.80	1.81%	7.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	761.97	1.80%	7.50 k
Bond - Bank Of Baroda	NCD & Bonds	Public sector bank	LAAA	ICRA	761.60	1.80%	750.00
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	708.61	1.68%	1.50 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	655.45	1.55%	650.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	514.48	1.22%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	508.83	1.20%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	508.20	1.20%	5.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	498.72	1.18%	5.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	490.38	1.16%	1.00 k
Bond - Govt of India	GOI	Other			446.92	1.06%	45.00 L
Bond - Govt of India	GOI	Other			443.60	1.05%	45.00 L
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	406.57	0.96%	4.00 k
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	AAA	CRISIL	358.01	0.85%	350.00
Bond - NHPC Ltd.	NCD & Bonds	Power generation	LAAA	ICRA	335.60	0.79%	1.65 k
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	321.80	0.76%	3.50 k
Bond - National Thermal Power Corporation Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	299.43	0.71%	300.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	257.33	0.61%	250.00
Bond - Nuclear Power Corporation of India Limited	NCD & Bonds	Power generation	AAA	CRISIL	255.37	0.60%	250.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	255.18	0.60%	2.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	254.81	0.60%	2.50 k
Bond - NHPC Ltd.	NCD & Bonds	Power generation	LAAA	ICRA	254.63	0.60%	1.25 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	253.96	0.60%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	251.15	0.59%	2.50 k
Bond - Punjab National Bank	NCD & Bonds	Public sector bank	AAA	CRISIL	248.97	0.59%	25.00
Bond - Govt of India	GOI	Other			154.57	0.37%	15.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	103.86	0.25%	100.00
Bond - Canara Bank	NCD & Bonds	Public sector bank	AA+	CRISIL	102.88	0.24%	10.00
Bond - Power Grid Corporation of India Ltd.	NCD & Bonds	Power - transmission	AAA	CRISIL	52.14	0.12%	40.00
Bond - NHPC Ltd.	NCD & Bonds	Power generation	LAAA	ICRA	20.40	0.05%	100.00

Name	Type of Instrument	Weight (%)
TREPS	TREPS	3.84%
Net Receivables	Net Receivables	2.56%

SBI Banking and PSU Fund - Regular Plan - Growth

Portfolio Summary (as on 31st Oct,2025)

Debt holding in Portfolio (as on 31st Oct,2025)

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