SBI Short Term Debt 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 93 (Category Avg - 68.67) | Modified Duration 2.68 Years (Category Avg - 2.55)| Yield to Maturity 6.98% (Category Avg - 6.83%)

Portfolio Summary (as on 31st Oct,2025)

Security Type	% Weight	Category Average
GOI	17.18%	20.59%
CD	5.85%	3.18%
T-Bills	0.00%	0.04%
CP	0.00%	0.41%
NCD & Bonds	64.44%	67.29%
PTC	8.12%	2.68%

Category - Short Duration Fund

Security Type	% Weight	Category Average
Government Backed	17.18%	20.62%
Low Risk	78.41%	73.56%
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 - Short Duration 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			5914.70	3.39%	6.00 Cr
Bond - Govt of India	GOI	Other			5801.85	3.33%	5.60 Cr
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	AAA	CRISIL	5079.89	2.91%	50.00 k
Bond - Govt of India	GOI	Other			4965.73	2.85%	5.00 Cr
Bond - Govt of India	GOI	Other			4902.10	2.81%	5.00 Cr
Bond - Shivshakti Securitisation Trust	PTC	Ptc	AAA	CRISIL	4808.47	2.76%	475.00
Bond - Govt of India	GOI	Other			4717.62	2.70%	4.50 Cr
Bond - Siddhivinayak Securitisation Trust	PTC	Ptc	AAA	CRISIL	3800.88	2.18%	375.00
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	3567.29	2.05%	35.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	3564.84	2.04%	35.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	3564.39	2.04%	35.00 k
Bond - Tata Communications Ltd.	NCD & Bonds	Telecom - cellular & fixed line services	CARE AAA	CARE	3525.67	2.02%	35.00 k
Bond - Hindustan Petroleum Corporation Ltd.	NCD & Bonds	Refineries & marketing	AAA	CRISIL	3258.06	1.87%	32.50 k
Bond - Aditya Birla Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	3046.37	1.75%	30.00 k
Bond - Mindspace Business Parks REIT	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	3040.68	1.74%	30.00 k
Bond - Toyota Financial Services India Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	3031.83	1.74%	30.00 k
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	2968.18	1.70%	6.00 k
Bond - SMFG India Credit Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	2821.62	1.62%	28.00 k
Bond - Jamnagar Utilities & Power Pvt. Ltd.	NCD & Bonds	Power generation	AAA	CRISIL	2818.45	1.62%	27.50 k
Bond - Godrej Industries Ltd	NCD & Bonds	Animal feed	AA+	CRISIL	2739.33	1.57%	27.50 k
Bond - Toyota Financial Services India Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	2597.55	1.49%	25.50 k
Bond - Mahindra Rural Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	2537.15	1.45%	25.00 k
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	2534.97	1.45%	25.00 k
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	2357.07	1.35%	23.00 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	2285.64	1.31%	22.50 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	2247.24	1.29%	22.50 k
Bond - Cholamandalam Investment & Finance Co. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAA+	ICRA	2170.81	1.24%	21.50 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	LAAA	ICRA	2036.54	1.17%	20.00 k
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	2028.49	1.16%	20.00 k
Bond - Tata Projects Ltd.	NCD & Bonds	Civil construction	AA	CRISIL	2027.76	1.16%	20.00 k
Bond - Mindspace Business Parks REIT	NCD & Bonds	Real estate investment trusts (reits)	LAAA	ICRA	2024.65	1.16%	20.00 k
Bond - Anzen India Energy Yield Plus Trust	NCD & Bonds	Power - transmission	AAA	CRISIL	2020.19	1.16%	20.00 k
Bond - Radhakrishna Securitisation Trust	PTC	Ptc	AAA	CRISIL	2020.30	1.16%	200.00
Bond - Cube Highways Trust	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	LAAA	ICRA	2010.52	1.15%	20.04 k
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	2009.30	1.15%	20.00 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	2007.48	1.15%	20.00 k
Bond - India Universal Trust	PTC	Ptc	INDAAA	FITCH	1948.00	1.12%	208.00
Bond - Axis Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1926.21	1.10%	4.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	1895.48	1.09%	4.00 k
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	1847.84	1.06%	1.74 k
Bond - Small Industries Development Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	1829.57	1.05%	18.00 k
Bond - SMFG India Home Finance Co. Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1759.91	1.01%	17.50 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1754.54	1.01%	17.50 k
Bond - Aadhar Housing Finance Ltd.	NCD & Bonds	Housing finance company	LAA	ICRA	1752.89	1.00%	17.50 k
Bond - Interise Trust	NCD & Bonds	Road assets–toll, annuity, hybrid-annuity	LAAA	ICRA	1749.77	1.00%	17.50 k
Bond - India Universal Trust	PTC	Ptc	AAA	CRISIL	1572.75	0.90%	200.00
Bond - National Housing Bank	NCD & Bonds	Financial institution	INDAAA	FITCH	1527.70	0.88%	15.00 k
Bond - Mindspace Business Parks REIT	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	1521.34	0.87%	15.00 k
Bond - IndiGrid Infrastructure Trust	NCD & Bonds	Power - transmission	AAA	CRISIL	1505.71	0.86%	15.00 k
Bond - Sustainable Energy Infra Trust	NCD & Bonds	Power generation	AAA	CRISIL	1488.82	0.85%	15.00 k
Bond - Govt of India	GOI	Other			1484.56	0.85%	1.43 Cr
Bond - Mahindra Rural Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1272.61	0.73%	12.50 k
Bond - Aditya Birla Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1271.23	0.73%	12.50 k
Bond - Mahindra Rural Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1150.41	0.66%	11.50 k
Bond - Bharti Telecom Ltd.	NCD & Bonds	Telecom - equipment & accessories	AAA	CRISIL	1043.49	0.60%	10.00 k
Bond - National Bank for Agriculture & Rural Development	NCD & Bonds	Financial institution	AAA	CRISIL	1026.43	0.59%	10.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	1022.62	0.59%	1.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	1016.23	0.58%	10.00 k
Bond - HDB Financial Services Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	1009.00	0.58%	10.00 k
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	1008.68	0.58%	10.00 k
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	1005.66	0.58%	10.00 k
Bond - IndiGrid Infrastructure Trust	NCD & Bonds	Power - transmission	AAA	CRISIL	1003.70	0.58%	10.00 k
Bond - Tata Motors Ltd.	NCD & Bonds	Passenger cars & utility vehicles	AA+	CRISIL	996.49	0.57%	10.00 k
Bond - Canara Bank	CD	Public sector bank	P1+	CRISIL	977.72	0.56%	2.00 k
Bond - HDFC Bank Ltd.	CD	Private sector bank	P1+	CRISIL	974.59	0.56%	2.00 k
Bond - LIC Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	764.42	0.44%	7.50 k
Bond - Aditya Birla Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	LAAA	ICRA	759.87	0.44%	750.00
Bond - Govt of India	GOI	Other			756.10	0.43%	74.97 L
Bond - Govt of India	GOI	Other			751.21	0.43%	75.00 L
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	650.49	0.37%	6.50 k
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	650.23	0.37%	6.50 k
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	649.89	0.37%	6.50 k
Bond - Godrej Seeds and Genetics Ltd.	NCD & Bonds	Other agricultural products	AA	CRISIL	649.66	0.37%	6.50 k
Bond - Muthoot Finance Pvt. Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	611.38	0.35%	6.00 k
Bond - Torrent Power Ltd.	NCD & Bonds	Integrated power utilities	AA+	CRISIL	608.07	0.35%	6.00 k
Bond - Nexus Select Trust	NCD & Bonds	Real estate investment trusts (reits)	AAA	CRISIL	510.54	0.29%	5.00 k
Bond - Indian Railway Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	510.07	0.29%	5.00 k
Bond - TVS Credit Services Ltd	NCD & Bonds	Non banking financial company (nbfc)	AA+	CRISIL	509.49	0.29%	50.00
Bond - Power Finance Corporation Ltd.	NCD & Bonds	Financial institution	AAA	CRISIL	508.20	0.29%	5.00 k
Bond - Export Import Bank Of India	NCD & Bonds	Financial institution	AAA	CRISIL	507.65	0.29%	5.00 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	506.86	0.29%	500.00
Bond - Bajaj Finance Ltd.	NCD & Bonds	Non banking financial company (nbfc)	AAA	CRISIL	505.27	0.29%	5.00 k
Bond - Rural Electrification Corporation Limited	NCD & Bonds	Financial institution	LAAA	ICRA	498.54	0.29%	5.00 k
Bond - Govt of India	GOI	Other			503.18	0.29%	50.00 L
Bond - Bank Of Baroda	CD	Public sector bank	F1+	FITCH	492.93	0.28%	1.00 k
Bond - Punjab National Bank	CD	Public sector bank	P1+	CRISIL	488.84	0.28%	1.00 k
Bond - Indian Bank	CD	Public sector bank	P1+	CRISIL	481.64	0.28%	1.00 k
Bond - Tata Capital Housing Finance Ltd.	NCD & Bonds	Housing finance company	AAA	CRISIL	254.76	0.15%	250.00
Bond - IndiGrid Infrastructure Trust	NCD & Bonds	Power - transmission	AAA	CRISIL	249.77	0.14%	250.00
Bond - Govt of India	GOI	Other			99.85	0.06%	10.00 L
Bond - Govt of India	GOI	Other			32.05	0.02%	3.20 L
Bond - Govt of India	GOI	Other			20.13	0.01%	1.95 L
Bond - Govt of India	GOI	Other			12.74	0.01%	1.40 L