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SBI Savings Fund Regular Growth
Capital PreservationMoney MarketLow to Moderate Risk
Regular
NAV (20-Mar-26)
₹43.180.00%1D
Returns (Since Inception)
6.98%
Rated ★4.3+ on 
Fund Overview
Fund Size
₹35,418 Cr
Expense Ratio
0.68%
ISIN
INF200K01636
Minimum SIP
₹500
Exit Load
No Charges
Inception Date
19 Jul 2004
About this fund
SBI Savings Fund Regular Growth is a Money Market mutual fund schemes offered by SBI Mutual Fund. This fund has been in existence for 21 years, 8 months and 4 days, having been launched on 19-Jul-04.
As of 20-Mar-26, it has a Net Asset Value (NAV) of ₹43.18, Assets Under Management (AUM) of 35417.75 Crores, and an expense ratio of 0.68%.
As of 20-Mar-26, it has a Net Asset Value (NAV) of ₹43.18, Assets Under Management (AUM) of 35417.75 Crores, and an expense ratio of 0.68%.
- SBI Savings Fund Regular Growth has given a CAGR return of 6.98% since inception.
- The fund's asset allocation comprises around 0.00% in equities, 32.19% in debts, and 67.52% in cash & cash equivalents.
- You can start investing in SBI Savings Fund Regular Growth with a SIP of ₹500 or a Lumpsum investment of ₹500.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+6.60%
+6.39% (Cat Avg.)
3 Years
+6.95%
+6.95% (Cat Avg.)
5 Years
+5.84%
+5.97% (Cat Avg.)
10 Years
+6.33%
+5.87% (Cat Avg.)
Since Inception
+6.98%
— (Cat Avg.)
Portfolio Summaryas of 15th March 2026
| Debt | ₹11,399.93 Cr | 32.19% |
| Others | ₹24,017.83 Cr | 67.81% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹1,406.12 Cr | 4.25% |
| Canara Bank | Cash | ₹1,400.93 Cr | 4.23% |
| National Bank for Financing Infrastructure & Development | Bond - Gov't Agency Debt | ₹1,358.06 Cr | 4.10% |
| India (Republic of) | Bond - Short-term Government Bills | ₹1,233.07 Cr | 3.72% |
| India (Republic of) | Bond - Short-term Government Bills | ₹947.64 Cr | 2.86% |
| Punjab National Bank | Cash - CD/Time Deposit | ₹940.15 Cr | 2.84% |
| Hdfc Bank Ltd. | Cash - CD/Time Deposit | ₹938.24 Cr | 2.83% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹936.03 Cr | 2.83% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹935.94 Cr | 2.83% |
| Canara Bank | Bond - Gov't Agency Debt | ₹935.66 Cr | 2.83% |
| Bank of Baroda | Bond - Corporate Bond | ₹935.49 Cr | 2.83% |
| Punjab National Bank | Bond - Gov't Agency Debt | ₹934.81 Cr | 2.82% |
| Kotak Mahindra Bank Ltd. | Bond - Corporate Bond | ₹934.47 Cr | 2.82% |
| Tbill | Bond - Gov't/Treasury | ₹712.16 Cr | 2.15% |
| 8.24% Govt.Stock 2027 | Bond - Gov't/Treasury | ₹613.53 Cr | 1.85% |
| Uco Bank | Cash - CD/Time Deposit | ₹591.47 Cr | 1.79% |
| Small Industries Development Bank Of India** | Cash - CD/Time Deposit | ₹499.25 Cr | 1.51% |
| Smfg India Credit Company Limited | Cash - Commercial Paper | ₹498.99 Cr | 1.51% |
| The Jammu & Kashmir Bank Ltd. | Cash - CD/Time Deposit | ₹492.18 Cr | 1.49% |
| Union Bank of India | Bond - Gov't Agency Debt | ₹491.35 Cr | 1.48% |
| Indian Bank | Cash - Commercial Paper | ₹470.06 Cr | 1.42% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹469.28 Cr | 1.42% |
| Canara Bank | Cash - CD/Time Deposit | ₹469.28 Cr | 1.42% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹469.26 Cr | 1.42% |
| National Bank For Agriculture And Rural Development | Cash - CD/Time Deposit | ₹469.18 Cr | 1.42% |
| Hdfc Bank Ltd. | Cash - CD/Time Deposit | ₹467.44 Cr | 1.41% |
| Bank of Baroda | Bond - Corporate Bond | ₹467.32 Cr | 1.41% |
| HDFC Bank Ltd. | Bond - Corporate Bond | ₹467.2 Cr | 1.41% |
| National Bank for Agriculture and Rural Development | Bond - Gov't Agency Debt | ₹466.99 Cr | 1.41% |
| National Bank For Agriculture And Rural Development | Cash | ₹466.29 Cr | 1.41% |
| Cholamandalam Investment & Finance Co Ltd | Cash - Commercial Paper | ₹466.12 Cr | 1.41% |
| Bank Of Baroda | Cash - CD/Time Deposit | ₹423.76 Cr | 1.28% |
| Muthoot Fincorp Limited | Cash - Commercial Paper | ₹393.24 Cr | 1.19% |
| 26/03/2026 Maturing 364 DTB | Bond - Gov't/Treasury | ₹364.51 Cr | 1.10% |
| ICICI Securities Ltd. | Cash - Commercial Paper | ₹349.48 Cr | 1.06% |
| Muthoot Finance Ltd. | Cash - Commercial Paper | ₹325.88 Cr | 0.98% |
| Equitas Small Finance Bank Ltd. | Bond - Corporate Bond | ₹300 Cr | 0.91% |
| Aditya Birla Capital Limited | Cash - Commercial Paper | ₹299.89 Cr | 0.91% |
| The Jammu & Kashmir Bank Ltd. | Cash - CD/Time Deposit | ₹295.74 Cr | 0.89% |
| Tbill | Bond - Gov't/Treasury | ₹281.28 Cr | 0.85% |
| Indian Overseas Bank | Cash - CD/Time Deposit | ₹280.31 Cr | 0.85% |
| Muthoot Finance Ltd | Cash - Commercial Paper | ₹279.63 Cr | 0.84% |
| Tata Capital Housing Finance Limited | Cash - Commercial Paper | ₹274.57 Cr | 0.83% |
| Julius Baer Capital (India) Private Limited | Cash - Commercial Paper | ₹249.63 Cr | 0.75% |
| The Jammu And Kashmir Bank Limited | Bond - Corporate Bond | ₹249.61 Cr | 0.75% |
| Small Industries Development Bk Of India ** # | Cash - Commercial Paper | ₹249.59 Cr | 0.75% |
| Bank of India Ltd. | Bond - Corporate Bond | ₹249.58 Cr | 0.75% |
| Union Bank Of India | Cash - Commercial Paper | ₹246.06 Cr | 0.74% |
| Canara Bank | Cash - CD/Time Deposit | ₹235.07 Cr | 0.71% |
| Small Industries Development Bank Of India | Cash - CD/Time Deposit | ₹234.58 Cr | 0.71% |
| Bank Of Baroda | Cash | ₹233.53 Cr | 0.71% |
| Pilani Investment And Industries Corporation Ltd. | Cash - Commercial Paper | ₹232.1 Cr | 0.70% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹221.08 Cr | 0.67% |
| Au Small Finance Bank Limited | Cash - CD/Time Deposit | ₹216.7 Cr | 0.65% |
| TATA Motors Finance Limited | Cash - Commercial Paper | ₹199.9 Cr | 0.60% |
| Punjab National Bank | Bond - Gov't Agency Debt | ₹199.86 Cr | 0.60% |
| Icici Securities Limited (Earlier Icici Brokerage Services Limited) | Cash - Commercial Paper | ₹199.86 Cr | 0.60% |
| AU Small Finance Bank Ltd. | Bond - Corporate Bond | ₹193.3 Cr | 0.58% |
| Smfg India Credit Company Limited | Cash - Commercial Paper | ₹191.84 Cr | 0.58% |
| ICICI Bank Limited | Cash - CD/Time Deposit | ₹188.3 Cr | 0.57% |
| Aditya Birla Capital Ltd | Cash - Commercial Paper | ₹186.85 Cr | 0.56% |
| Gs12jun2026c | Bond - Gov't/Treasury | ₹179.16 Cr | 0.54% |
| Canara Bank | Cash - CD/Time Deposit | ₹172.42 Cr | 0.52% |
| Interise TRust | Cash - Commercial Paper | ₹157.38 Cr | 0.48% |
| Equitas Small Finance Bank Ltd. | Bond - Corporate Bond | ₹149.97 Cr | 0.45% |
| Rec Limited | Cash - Commercial Paper | ₹147.47 Cr | 0.45% |
| Union Bank Of India | Cash - CD/Time Deposit | ₹147.01 Cr | 0.44% |
| 19/03/2026 Maturing 364 DTB | Bond - Gov't/Treasury | ₹139.95 Cr | 0.42% |
| Motilal Oswal Financial Services Ltd | Cash - Commercial Paper | ₹139.36 Cr | 0.42% |
| Net Receivable / Payable | Cash - Collateral | ₹-136.31 Cr | 0.41% |
| Treps | Cash - Repurchase Agreement | ₹130.91 Cr | 0.40% |
| 7.98% Gujarat Sdl 2026 | Bond - Gov't/Treasury | ₹119.76 Cr | 0.36% |
| HDFC Bank Limited | Cash - CD/Time Deposit | ₹117.58 Cr | 0.36% |
| 7.98% Haryana Sdl 2026 | Bond - Gov't/Treasury | ₹100.63 Cr | 0.30% |
| 28/05/2026 Maturing 182 DTB | Bond - Gov't/Treasury | ₹98.94 Cr | 0.30% |
| Muthoot Finance Limited | Cash - Commercial Paper | ₹98.34 Cr | 0.30% |
| Corporate Debt Market Development Fund-A2 | Mutual Fund - Unspecified | ₹95.6 Cr | 0.29% |
| 6.99% Gs 2026 | Bond - Gov't/Treasury | ₹82.72 Cr | 0.25% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹73.7 Cr | 0.22% |
| Kotak Mahindra Prime Limited | Cash - Commercial Paper | ₹69.86 Cr | 0.21% |
| Cholamandalam Investment And Finance Company Limited | Cash - Commercial Paper | ₹54.18 Cr | 0.16% |
| Gs25may2026c | Bond - Gov't/Treasury | ₹50.51 Cr | 0.15% |
| 7.61% Kerala SDL 2026 | Bond - Gov't/Treasury | ₹50.33 Cr | 0.15% |
| Canara Bank** | Cash - CD/Time Deposit | ₹49.98 Cr | 0.15% |
| 7.98% Kerala SDL 2026 | Bond - Gov't/Treasury | ₹30.53 Cr | 0.09% |
| 8.02% Telangana Sdl 2026 | Bond - Gov't/Treasury | ₹30.1 Cr | 0.09% |
| 7.38% Madhyapradesh Sdl 2026 | Bond - Gov't/Treasury | ₹25.18 Cr | 0.08% |
| 5.63% Gs 2026 | Bond - Gov't/Treasury | ₹5 Cr | 0.02% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Cash - CD/Time Deposit | ₹11,740.04 Cr | 35.46% |
| Cash - Commercial Paper | ₹5,780.3 Cr | 17.46% |
| Bond - Gov't Agency Debt | ₹4,386.74 Cr | 13.25% |
| Bond - Corporate Bond | ₹3,946.93 Cr | 11.92% |
| Bond - Gov't/Treasury | ₹2,884.29 Cr | 8.71% |
| Bond - Short-term Government Bills | ₹2,180.71 Cr | 6.59% |
| Cash | ₹2,100.75 Cr | 6.34% |
| Cash - Collateral | ₹-136.31 Cr | 0.41% |
| Cash - Repurchase Agreement | ₹130.91 Cr | 0.40% |
| Mutual Fund - Unspecified | ₹95.6 Cr | 0.29% |
Risk & Performance Ratios
Standard Deviation
This fund
0.35%
Cat. avg.
0.54%
Lower the better
Sharpe Ratio
This fund
1.14
Cat. avg.
1.24
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
4.41
Higher the better
Fund Managers
RR
Rajeev Radhakrishnan
Since December 2023
Additional Scheme Detailsas of 15th March 2026
ISIN INF200K01636 | Expense Ratio 0.68% | Exit Load No Charges | Fund Size ₹35,418 Cr | Age 21 years 8 months | Lumpsum Minimum ₹500 | Fund Status Open Ended Investment Company | Benchmark CRISIL Money Market TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Money Market Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Shriram Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹346.70 Cr | - |
| Shriram Money Market Fund Regular Growth Low to Moderate Risk | 0.3% | 0.0% | ₹346.70 Cr | - |
| Groww Money Market Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹21.61 Cr | - |
| Groww Money Market Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹21.61 Cr | - |
| JioBlackRock Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹2764.26 Cr | - |
| Bank of India Money Market Fund Regular Growth Low to Moderate Risk | 0.6% | 0.0% | ₹400.65 Cr | 6.5% |
| Bank of India Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹400.65 Cr | 7.1% |
| Zerodha Nifty 1D Rate Liquid ETF Low Risk | 0.3% | - | ₹8749.20 Cr | 5.2% |
| Mirae Asset Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹3769.16 Cr | 7.0% |
| Mirae Asset Money Market Fund Regular Growth Low to Moderate Risk | 0.4% | 0.0% | ₹3769.16 Cr | 6.7% |
| HSBC Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹5379.29 Cr | 7.0% |
| ICICI Prudential Money Market Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹35305.07 Cr | 7.1% |
| Bandhan Money Manager Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹14805.35 Cr | 7.2% |
| Nippon India Money Market Fund Direct Growth Moderate Risk | 0.2% | 0.0% | ₹21876.27 Cr | 7.1% |
| Invesco India Money Market Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹6595.56 Cr | 7.0% |
| Edelweiss Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹3026.97 Cr | 7.0% |
| Kotak Money Market Scheme Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹33661.37 Cr | 7.1% |
| Axis Money Market Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹23789.68 Cr | 7.2% |
| Axis Money Market Fund Regular Growth Low to Moderate Risk | 0.3% | 0.0% | ₹23789.68 Cr | 7.0% |
| Sundaram Money Market Fund Regular Growth Moderate Risk | 0.3% | 0.0% | ₹2334.48 Cr | 6.9% |
| Sundaram Money Market Fund Direct Growth Moderate Risk | 0.2% | 0.0% | ₹2334.48 Cr | 7.0% |
| Invesco India Money Market Fund Regular Growth Low to Moderate Risk | 0.4% | 0.0% | ₹6595.56 Cr | 6.7% |
| UTI Money Market Fund Direct Growth Moderate Risk | 0.1% | 0.0% | ₹20319.65 Cr | 7.1% |
| Aditya BSL Money Manager Fund Direct Growth Moderate Risk | 0.2% | 0.0% | ₹30777.57 Cr | 7.0% |
| SBI Savings Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹35417.75 Cr | 7.0% |
| Tata Money Market Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹36819.05 Cr | 7.2% |
| Franklin India Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹4351.86 Cr | 7.1% |
| Baroda BNP Paribas Money Market Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹4964.82 Cr | 7.0% |
| Baroda BNP Paribas Money Market Fund Regular Growth Low to Moderate Risk | 0.4% | 0.0% | ₹4964.82 Cr | 6.8% |
| DSP Savings Fund Direct Growth Moderate Risk | 0.2% | 0.0% | ₹8549.07 Cr | 6.8% |
| HDFC Money Market Fund Direct Growth Moderate Risk | 0.2% | 0.0% | ₹33094.05 Cr | 7.1% |
| PGIM India Money Market Fund Regular Growth Low to Moderate Risk | 0.5% | 0.0% | ₹225.73 Cr | 6.6% |
| PGIM India Money Market Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹225.73 Cr | 6.9% |
| UTI Money Market Fund Regular Growth Moderate Risk | 0.2% | 0.0% | ₹20319.65 Cr | 7.0% |
| Bajaj Finserv Money Market Fund Regular Growth Low to Moderate Risk | 0.8% | 0.0% | ₹4991.41 Cr | 6.4% |
| Bajaj Finserv Money Market Fund Direct Growth Low to Moderate Risk | 0.1% | 0.0% | ₹4991.41 Cr | 7.1% |
| Kotak Money Market Scheme Regular Growth Low to Moderate Risk | 0.3% | 0.0% | ₹33661.37 Cr | 6.9% |
| Aditya BSL Money Manager Fund Regular Growth Moderate Risk | 0.4% | 0.0% | ₹30777.57 Cr | 6.9% |
| Bandhan Money Manager Fund Regular Growth Low to Moderate Risk | 0.3% | 0.0% | ₹14805.35 Cr | 6.9% |
| DSP Savings Fund Regular Growth Moderate Risk | 0.4% | 0.0% | ₹8549.07 Cr | 6.6% |
| HSBC Money Market Fund Regular Growth Low to Moderate Risk | 0.3% | 0.0% | ₹5379.29 Cr | 6.8% |
| SBI Savings Fund Regular Growth Low to Moderate Risk | 0.7% | 0.0% | ₹35417.75 Cr | 6.6% |
| ICICI Prudential Money Market Fund Regular Growth Low to Moderate Risk | 0.4% | 0.0% | ₹35305.07 Cr | 7.0% |
| Nippon India Money Market Fund Regular Growth Moderate Risk | 0.4% | 0.0% | ₹21876.27 Cr | 6.9% |
| HDFC Money Market Fund Regular Growth Moderate Risk | 0.5% | 0.0% | ₹33094.05 Cr | 6.9% |
| Franklin India Money Market Fund Regular Growth Low to Moderate Risk | 0.3% | 0.0% | ₹4351.86 Cr | 7.0% |
| Tata Money Market Fund Regular Growth Low to Moderate Risk | 0.4% | 0.0% | ₹36819.05 Cr | 6.9% |
| LIC MF Money Market Fund Regular Growth Low to Moderate Risk | 0.9% | 0.0% | ₹4900.25 Cr | 6.6% |
| LIC MF Money Market Fund Direct Growth Low to Moderate Risk | 0.2% | 0.0% | ₹4900.25 Cr | 6.9% |
| TRUSTMF Money Market Fund Regular Growth Low to Moderate Risk | 0.5% | 0.0% | ₹122.73 Cr | 6.5% |
About the AMC
SBI Mutual Fund
Total AUM
₹12,90,067 Cr
Address
C-38 & 39, G Block, Bandra Kurla Complex, Mumbai, 400 051
Other Funds by SBI Mutual Fund
Risk Level
Your principal amount will be at Low to Moderate Risk
Take control of your wealth
Related Articles
Still got questions?
We're here to help.
What is the current NAV of SBI Savings Fund Regular Growth?
The NAV of SBI Savings Fund Regular Growth, as of 20-Mar-2026, is ₹43.18.
What are the returns of SBI Savings Fund Regular Growth?
The fund has generated 6.60% over the last 1 year and 6.95% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of SBI Savings Fund Regular Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 32.19% in bonds, and 67.52% in cash and cash equivalents.
Who manages the SBI Savings Fund Regular Growth?
The fund managers responsible for SBI Savings Fund Regular Growth are:-
- Rajeev Radhakrishnan
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Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Pvt. Ltd. is a Portfolio Manager with SEBI Registration no. INP000007377, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
