SBI Savings Fund - 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.

No of Debt Holding 135 (Category Avg - 86.75) | Modified Duration 0.40 Years (Category Avg - 0.41)| Yield to Maturity 6.28% (Category Avg - 6.24%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	8.73%	3.43%
CD	55.99%	57.91%
T-Bills	4.58%	9.20%
CP	29.70%	27.05%

Category - Money Market Fund

Security Type	% Weight	Category Average
Government Backed	13.31%	12.63%
Low Risk	85.69%	84.96%
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 - Money Market Fund

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

Instrument	Type	Sector	Rating	Rating Agency	Value (Mn)	% of Total Holding	Quantity
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	17092.20	4.50%	35.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	14441.16	3.80%	30.00 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	11728.10	3.09%	24.00 k
Bond - LIC Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	9785.49	2.58%	20.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	7831.17	2.06%	16.00 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	7821.37	2.06%	16.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	7223.72	1.90%	15.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	7096.23	1.87%	15.00 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	P1+	CRISIL	6862.43	1.81%	14.00 k
Bond - Tata Capital Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	6863.21	1.81%	14.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	6453.37	1.70%	13.50 k
Bond - Panatone Finvest Ltd	CP	Non banking financial company (nbfc)	P1+	CRISIL	5919.44	1.56%	12.00 k
Bond - Interise Trust	CP	Road assets–toll, annuity, hybrid-annuity	A1+	ICRA	5873.24	1.55%	12.20 k
Bond - UCO Bank	CD	Public sector bank	P1+	CRISIL	5793.43	1.53%	12.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	5639.48	1.49%	11.50 k
Bond - CSB Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4954.25	1.30%	10.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	4903.77	1.29%	10.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	4898.05	1.29%	10.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	4882.50	1.29%	10.00 k
Bond - SMFG India Credit Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	4867.03	1.28%	10.00 k
Bond - Govt of India	GOI	Other			4849.89	1.28%	4.84 Cr
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	4819.35	1.27%	10.00 k
Bond - Rural Electrification Corporation Limited	CP	Financial institution	P1+	CRISIL	4818.11	1.27%	10.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	4830.44	1.27%	10.00 k
Bond - The Jammu & Kashmir Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4820.13	1.27%	10.00 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4818.51	1.27%	10.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	4728.46	1.25%	10.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4419.99	1.16%	9.00 k
Bond - IDFC First Bank Ltd.	CD	Private sector bank	P1+	CRISIL	4411.71	1.16%	9.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	4395.10	1.16%	9.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	4158.27	1.10%	8.50 k
Bond - Indian Oil Corporation Ltd.	CP	Refineries & marketing	P1+	CRISIL	3996.07	1.05%	8.00 k
Bond - Govt of India	GOI	Other			3984.31	1.05%	3.98 Cr
Bond - ONGC Petro-Additions Ltd.	CP	Petrochemicals	P1+	CRISIL	3944.50	1.04%	8.00 k
Bond - IDBI Bank Ltd.	CD	Private sector bank	P1+	CRISIL	3935.81	1.04%	8.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	3914.72	1.03%	8.00 k
Bond - Muthoot Fincorp Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	3820.70	1.01%	8.00 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	3604.18	0.95%	7.50 k
Bond - T-Bill	T-Bills	Other			3572.04	0.94%	3.65 Cr
Bond - Tata Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	3427.00	0.90%	7.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	3343.12	0.88%	7.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	3186.89	0.84%	6.50 k
Bond - Govt of India	GOI	Other			3199.96	0.84%	3.20 Cr
Bond - Credila Financial Services Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2945.48	0.78%	6.00 k
Bond - Equitas Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	2926.03	0.77%	6.00 k
Bond - The Jammu & Kashmir Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2895.60	0.76%	6.00 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2885.82	0.76%	6.00 k
Bond - T-Bill	T-Bills	Other			2892.98	0.76%	2.95 Cr
Bond - Sundaram Finance Limited	CP	Non banking financial company (nbfc)	P1+	CRISIL	2855.82	0.75%	6.00 k
Bond - T-Bill	T-Bills	Other			2806.57	0.74%	2.85 Cr
Bond - Mindspace Business Parks REIT	CP	Real estate investment trusts (reits)	A1+	ICRA	2739.71	0.72%	5.60 k
Bond - Tata Capital Housing Finance Ltd.	CP	Housing finance company	P1+	CRISIL	2684.70	0.71%	5.50 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	2665.23	0.70%	5.50 k
Bond - JM Financial Services Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2456.84	0.65%	5.00 k
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	2455.06	0.65%	5.00 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2450.21	0.65%	5.00 k
Bond - Julius Baer Capital (India) Pvt Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2432.99	0.64%	5.00 k
Bond - Union Bank Of India	CD	Public sector bank	A1+	ICRA	2448.93	0.64%	5.00 k
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	2440.85	0.64%	5.00 k
Bond - Bank Of India	CD	Public sector bank	P1+	CRISIL	2440.76	0.64%	5.00 k
Bond - The Jammu & Kashmir Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2438.48	0.64%	5.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2418.97	0.64%	5.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	2384.03	0.63%	5.00 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2409.24	0.63%	5.00 k
Bond - Tata Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	2396.03	0.63%	5.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	2125.83	0.56%	4.50 k
Bond - Govt of India	GOI	Other			2052.11	0.54%	2.05 Cr
Bond - T-Bill	T-Bills	Other			1986.15	0.52%	2.00 Cr
Bond - T-Bill	T-Bills	Other			1980.04	0.52%	2.00 Cr
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	1957.62	0.52%	4.00 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1964.47	0.52%	4.00 k
Bond - HDB Financial Services Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1956.00	0.52%	4.00 k
Bond - Birla Group Holdings Private Ltd.	CP	Investment company	P1+	CRISIL	1952.35	0.51%	4.00 k
Bond - Tata Capital Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1950.99	0.51%	4.00 k
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	1949.73	0.51%	4.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	1953.00	0.51%	4.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	1895.29	0.50%	4.00 k
Bond - Kotak Mahindra Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1892.43	0.50%	4.00 k
Bond - SMFG India Credit Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1880.30	0.50%	4.00 k
Bond - Govt of India	GOI	Other			1754.44	0.46%	1.82 Cr
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1713.78	0.45%	3.50 k
Bond - Govt of India	GOI	Other			1614.29	0.43%	1.60 Cr
Bond - T-Bill	T-Bills	Other			1471.01	0.39%	1.50 Cr
Bond - Sundaram Finance Limited	CP	Non banking financial company (nbfc)	P1+	CRISIL	1470.49	0.39%	3.00 k
Bond - National Bank for Agriculture & Rural Development	CD	Financial institution	P1+	CRISIL	1464.99	0.39%	3.00 k
Bond - Equitas Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	1462.75	0.39%	3.00 k
Bond - Bajaj Auto Credit Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1391.58	0.37%	2.80 k
Bond - T-Bill	T-Bills	Other			1371.51	0.36%	1.40 Cr
Bond - Govt of India	GOI	Other			1207.44	0.32%	1.19 Cr
Bond - Cholamandalam Investment & Finance Co. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	1203.96	0.32%	2.50 k
Bond - Govt of India	GOI	Other			1121.85	0.30%	1.12 Cr
Bond - Govt of India	GOI	Other			1014.30	0.27%	1.00 Cr
Bond - Govt of India	GOI	Other			1007.11	0.27%	1.00 Cr
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	981.87	0.26%	2.00 k
Bond - Barclays Investments & Loans (I) Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	978.10	0.26%	2.00 k
Bond - Barclays Investments & Loans (I) Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	977.56	0.26%	2.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	984.74	0.26%	2.00 k
Bond - Au Small Finance Bank Ltd.	CD	Other bank	P1+	CRISIL	983.75	0.26%	2.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	977.72	0.26%	2.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	969.18	0.26%	2.00 k
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	963.11	0.25%	2.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	961.26	0.25%	2.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	947.38	0.25%	2.00 k
Bond - Muthoot Finance Pvt. Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	960.43	0.25%	2.00 k
Bond - Govt of India	GOI	Other			831.22	0.22%	82.63 L
Bond - Govt of India	GOI	Other			804.12	0.21%	80.00 L
Bond - Govt of India	GOI	Other			756.70	0.20%	75.00 L
Bond - Govt of India	GOI	Other			753.82	0.20%	75.00 L
Bond - Govt of India	GOI	Other			753.81	0.20%	75.00 L
Bond - Govt of India	GOI	Other			752.79	0.20%	75.00 L
Bond - Govt of India	GOI	Other			752.00	0.20%	75.00 L
Bond - Kotak Mahindra Prime Ltd.	CP	Non banking financial company (nbfc)	P1+	CRISIL	681.90	0.18%	1.40 k
Bond - Govt of India	GOI	Other			653.28	0.17%	65.00 L
Bond - T-Bill	T-Bills	Other			640.79	0.17%	65.00 L
Bond - Govt of India	GOI	Other			552.78	0.15%	55.00 L
Bond - Govt of India	GOI	Other			550.44	0.14%	55.00 L
Bond - Govt of India	GOI	Other			494.56	0.13%	51.05 L
Bond - T-Bill	T-Bills	Other			490.84	0.13%	50.00 L
Bond - Govt of India	GOI	Other			506.85	0.13%	50.00 L
Bond - Govt of India	GOI	Other			501.33	0.13%	50.00 L
Bond - Small Industries Development Bank Of India	CD	Financial institution	P1+	CRISIL	490.33	0.13%	1.00 k
Bond - Govt of India	GOI	Other			400.67	0.11%	40.00 L
Bond - Govt of India	GOI	Other			350.59	0.09%	35.00 L
Bond - ICICI Securities Ltd.	CP	Stockbroking & allied	P1+	CRISIL	346.81	0.09%	700.00
Bond - Sundaram Home Finance Ltd.	CP	Housing finance company	P1+	CRISIL	248.88	0.07%	500.00
Bond - Govt of India	GOI	Other			253.32	0.07%	25.00 L
Bond - Govt of India	GOI	Other			251.59	0.07%	25.00 L
Bond - Govt of India	GOI	Other			251.26	0.07%	25.00 L
Bond - Govt of India	GOI	Other			251.26	0.07%	25.00 L
Bond - Govt of India	GOI	Other			251.26	0.07%	25.00 L
Bond - Govt of India	GOI	Other			250.93	0.07%	25.00 L
Bond - Govt of India	GOI	Other			250.68	0.07%	25.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	245.30	0.06%	500.00
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	240.82	0.06%	500.00
Bond - T-Bill	T-Bills	Other			199.03	0.05%	20.00 L