SBI Fixed Maturity Plan (FMP) - Series 81 - Direct 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.

Close Ended Fund. New investments not allowed in this fund.

No of Debt Holding 23 (Category Avg - 13.08) | Modified Duration 0.00 Years (Category Avg - 2.37)| Yield to Maturity - -- (Category Avg - 0.00%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	68.85%	89.94%
CD	0.00%	0.15%
T-Bills	0.00%	0.00%
NCD & Bonds	28.40%	6.49%

Category - Fixed Maturity Plans - Debt

Security Type	% Weight	Category Average
Government Backed	68.85%	89.94%
Low Risk	28.40%	6.22%
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 - Fixed Maturity Plans - Debt

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			1008.93	23.79%	1.00 Cr
Bond - Govt of India	GOI	Other			352.22	8.30%	35.00 L
Bond - Kotak Mahindra Investments Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	310.81	7.33%	2.50 k
Bond - Mahindra & Mahindra Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	301.27	7.10%	3.00 k
Bond - Govt of India	GOI	Other			252.93	5.96%	25.00 L
Bond - Govt of India	GOI	Other			252.47	5.95%	25.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	251.44	5.93%	250.00
Bond - Govt of India	GOI	Other			201.26	4.74%	20.00 L
Bond - Govt of India	GOI	Other			143.32	3.38%	14.75 L
Bond - Govt of India	GOI	Other			111.90	2.64%	11.49 L
Bond - Govt of India	GOI	Other			101.00	2.38%	10.00 L
Bond - Govt of India	GOI	Other			100.63	2.37%	10.00 L
Bond - Housing & Urban Development Corporation Ltd.	NCD & Bonds	Financial institution	LAAA	ICRA	100.56	2.37%	1.00 k
Bond - Tata Capital Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	100.41	2.37%	1.00 k
Bond - Govt of India	GOI	Other			98.02	2.31%	10.00 L
Bond - Govt of India	GOI	Other			88.21	2.08%	8.88 L
Bond - Govt of India	GOI	Other			82.73	1.95%	8.45 L
Bond - Govt of India	GOI	Other			80.21	1.89%	8.00 L
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	50.14	1.18%	50.00
Bond - HDFC Bank Ltd.	NCD & Bonds	Private sector bank	AAA	CRISIL	49.76	1.17%	50.00
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	40.19	0.95%	40.00
Bond - Govt of India	GOI	Other			37.21	0.88%	3.75 L
Bond - Govt of India	GOI	Other			9.93	0.23%	1.00 L