SBI Low Duration Fund - Regular Plan - IDCW - Monthly

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 95 (Category Avg - 78.96) | Modified Duration 0.92 Years (Category Avg - 0.87)| Yield to Maturity 6.49% (Category Avg - 6.60%)

Portfolio Summary (as on 30th Nov,2025)

Security Type	% Weight	Category Average
GOI	10.18%	6.56%
CD	17.91%	19.10%
T-Bills	5.17%	4.54%
CP	8.62%	3.19%
NCD & Bonds	50.74%	58.52%
PTC	4.83%	2.21%

Category - Low Duration Fund

Security Type	% Weight	Category Average
Government Backed	15.35%	11.10%
Low Risk	82.10%	83.02%
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 - Low Duration Fund

Debt holding in Portfolio (as on 30th Nov,2025)

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - Govt of India	GOI	Other			8578.71	5.14%	8.50 Cr
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	5677.42	3.40%	56.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	5340.99	3.20%	52.50 k
Bond - Radhakrishna Securitisation Trust	PTC	Ptc	AAA	CRISIL	5314.50	3.18%	525.00
Bond - Trent Limited	NCD & Bonds	Speciality retail	LAA+	ICRA	4973.60	2.98%	5.00 k
Bond - UCO Bank	CD	Public sector bank	P1+	CRISIL	3884.36	2.33%	8.00 k
Bond - IndiGrid Infrastructure Trust	NCD & Bonds	Power - transmission	AAA	CRISIL	3863.85	2.31%	3.85 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	3545.29	2.12%	35.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	3503.31	2.10%	35.00 k
Bond - T-Bill	T-Bills	Other			3329.19	1.99%	3.50 Cr
Bond - T-Bill	T-Bills	Other			3323.11	1.99%	3.50 Cr
Bond - Bajaj Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	3213.07	1.92%	3.20 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2917.70	1.75%	6.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2858.19	1.71%	6.00 k
Bond - TML Commercial Vehicles Ltd.	NCD & Bonds	Commercial vehicles	AA+	CRISIL	2522.38	1.51%	2.50 k
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	2515.40	1.51%	25.00 k
Bond - Citicorp Finance (India) Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	2501.37	1.50%	25.00 k
Bond - JM Financial Services Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2468.72	1.48%	5.00 k
Bond - Mankind Pharma Ltd.	NCD & Bonds	Pharmaceuticals	AA+	CRISIL	2458.72	1.47%	24.50 k
Bond - The Jammu & Kashmir Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2452.36	1.47%	5.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2420.09	1.45%	5.00 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2423.64	1.45%	5.00 k
Bond - Cube Highways Trust	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	INDAAA	FITCH	2385.68	1.43%	24.10 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2377.86	1.42%	5.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	LAAA	ICRA	2105.85	1.26%	2.10 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	2033.51	1.22%	20.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	2003.03	1.20%	20.00 k
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	2000.29	1.20%	20.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	1996.71	1.20%	20.00 k
Bond - T-Bill	T-Bills	Other			1984.50	1.19%	2.00 Cr
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1932.23	1.16%	4.00 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	1932.17	1.16%	4.00 k
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	1764.11	1.06%	17.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1750.18	1.05%	17.50 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1741.57	1.04%	17.50 k
Bond - Govt of India	GOI	Other			1636.67	0.98%	1.60 Cr
Bond - HDB Financial Services Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1619.48	0.97%	3.30 k
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	FITCH	1571.44	0.94%	15.50 k
Bond - Govt of India	GOI	Other			1550.27	0.93%	1.50 Cr
Bond - Govt of India	GOI	Other			1522.31	0.91%	1.52 Cr
Bond - Aditya Birla Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1524.59	0.91%	15.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1524.40	0.91%	15.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1523.97	0.91%	1.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1522.59	0.91%	15.00 k
Bond - Sundaram Finance Limited	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	1507.79	0.90%	15.00 k
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	1503.86	0.90%	15.00 k
Bond - Govt of India	GOI	Other			1500.30	0.90%	1.50 Cr
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1477.82	0.89%	3.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1475.77	0.88%	3.00 k
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	1472.40	0.88%	3.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1469.33	0.88%	3.00 k
Bond - J S W Energy Ltd.	CP	Power generation	A1+	ICRA	1473.22	0.88%	3.00 k
Bond - Toyota Financial Services India Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1445.42	0.87%	3.00 k
Bond - India Universal Trust	PTC	Ptc	AAA	CRISIL	1329.31	0.80%	327.00
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	1279.96	0.77%	12.50 k
Bond - Tata Capital Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1265.83	0.76%	1.25 k
Bond - Mahindra Rural Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1202.54	0.72%	12.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	1015.43	0.61%	10.00 k
Bond - Tata Chemicals Ltd.	NCD & Bonds	Commodity chemicals	AA+	CRISIL	1008.75	0.60%	10.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1005.00	0.60%	1.00 k
Bond - Tata Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	981.02	0.59%	2.00 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	983.01	0.59%	2.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	974.14	0.58%	2.00 k
Bond - L&T Finance Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	969.81	0.58%	2.00 k
Bond - Kotak Mahindra Investments Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	965.98	0.58%	2.00 k
Bond - Interise Trust	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	LAAA	ICRA	937.22	0.56%	10.00 k
Bond - Interise Trust	CP	Road assets–toll, annuity, hybrid-annuity	A1+	ICRA	838.59	0.50%	1.70 k
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	829.07	0.50%	99.00
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	765.32	0.46%	7.50 k
Bond - Mahindra & Mahindra Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	752.65	0.45%	7.50 k
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	750.33	0.45%	750.00
Bond - Govt of India	GOI	Other			758.23	0.45%	75.00 L
Bond - Govt of India	GOI	Other			728.28	0.44%	72.00 L
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	723.29	0.43%	700.00
Bond - JM Financial Services Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	708.96	0.42%	1.50 k
Bond - Summit Digitel Infrastructure Pvt Ltd.	NCD & Bonds	Telecom - infrastructure	AAA	CRISIL	600.10	0.36%	600.00
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	585.08	0.35%	193.00
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	559.72	0.34%	5.50 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	541.70	0.32%	1.10 k
Bond - Mankind Pharma Ltd.	NCD & Bonds	Pharmaceuticals	AA+	CRISIL	507.85	0.30%	5.00 k
Bond - National Housing Bank	NCD & Bonds	Financial institution	AAA	CRISIL	501.69	0.30%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	498.80	0.30%	5.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	498.66	0.30%	500.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	494.96	0.30%	500.00
Bond - Panatone Finvest Ltd	CP	Non banking financial company (nbfc)	P1+	CRISIL	495.93	0.30%	1.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	478.82	0.29%	1.00 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	453.45	0.27%	4.50 L
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	372.11	0.22%	3.70 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	361.79	0.22%	350.00
Bond - Govt of India	GOI	Other			359.20	0.22%	35.00 L
Bond - Govt of India	GOI	Other			354.01	0.21%	35.00 L
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	245.98	0.15%	500.00
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	254.43	0.15%	2.50 k
Bond - Kotak Mahindra Prime Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	251.78	0.15%	2.50 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	100.77	0.06%	1.00 k

Name	Type of Instrument	Weight (%)
Net Receivables	Net Receivables	1.90%
TREPS	TREPS	0.40%
Net Receivables	Net Receivables	0.25%

SBI Low Duration Fund - Regular Plan - IDCW - Monthly

Portfolio Summary (as on 30th Nov,2025)

Debt holding in Portfolio (as on 30th Nov,2025)

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