EquiscaleEquiscale
Sbi Savings FundDebt₹47.81as of 2026-08-19
Expense0.25%RiskLow
Sbi Mutual FundDebtMutual Fund101 HoldingsLow
AUM
₹34,892 CrAssets Under Management
Expense Ratio
0.25%Very Low · Annual fee charged
Top Sector
Other / Non-EquityHighest portfolio allocation

🎯Investment Objective

“An open-ended debt scheme investing in money market instruments”

Source: Sbi Savings Fund scheme information document

💡The investment objective is the fund's stated purpose. A fund promising “capital appreciation through equity investments” behaves very differently from one promising “regular income through debt instruments.”

AI Summary

indian-fund

Strengths1

  • Expense ratio of 0.25% is below the category median of 0.40%

Concerns0

    Rule-based from financial data. Not advice.

    Asset Allocation

    Sector Allocation

    Holdings-Based Style Box

    Value
    Blend
    Growth
    Large
    Mid
    Small

    This fund sits in the Large-Value quadrant based on its holdings characteristics.

    The fund primarily holds large-cap stocks (top 100 companies by market cap) — typically the most stable equity holdings. The ‘Value’ tilt means holdings trade at lower valuations (P/E, P/B) relative to earnings — the fund manager is looking for underpriced stocks.

    📖 What do Large/Mid/Small Cap mean? →

    Key Metrics

    AUM
    ₹34,892 CrCategory avg: ₹5,000 Cr
    ✓Large asset base
    💡 A large fund with ₹34,892 Cr in assets. Larger AUM generally means better liquidity and lower impact costs.
    Expense Ratio
    0.25%Category avg: 0.82%
    ✓Below average
    💡 This fund charges less than most peers. On a ₹10L investment, you save ~₹5,700/year vs. the average fund.

    Fund DNA

    Fund DNA analysis is not available yet, data enrichment pending.

    Portfolio Holdings101 positions

    💡Reading the Holdings Table

    The Weight column shows how much of the fund's money is in each stock. The 3M Change reveals the fund manager's recent moves, increasing weight (↑ green) means they're buying more, decreasing (↓ red) means they're trimming. Click any stock name to see its detailed financials on Equiscale.

    📖 Learn: Diversification & Asset Allocation →
    #CompanySectorAllocationWeight (%)3M Change
    1Small Industries Development Bank of IndiaCRISIL A1+
    		4.0%-
    2Punjab National BankCRISIL A1+
    		3.4%-
    3LIC Housing Finance Ltd.CRISIL A1+
    		2.8%-
    4Bank of BarodaIND A1+
    		2.7%-
    5Punjab National BankCRISIL A1+
    		2.6%-
    6HDFC Bank Ltd.CRISIL A1+
    		2.6%-
    7National Bank for Agriculture and Rural DevelopmentCRISIL A1+
    		2.6%-
    8Small Industries Development Bank of IndiaCRISIL A1+
    		2.6%-
    9Punjab National BankCRISIL A1+
    		2.6%-
    1091 DAY T-BILL 05.03.26Sovereign
    		2.4%-

    Holdings Overlap with Your Portfolio

    Checking for overlaps...

    Investment Calculator

    Estimate future value based on Sbi Savings Fund's historical returns

    1102030
    Invested
    ₹6.00 L
    Est. Value
    ₹8.25 L
    Wealth
    ₹2.25 L
    1.4× in 5yr
    Growth ProjectionSbi Savings vs NIFTY 50

    ⚠️ Important Disclaimer

    This projection uses past returns (12% CAGR) which do NOT guarantee future performance. Actual returns may vary significantly.

    💡 Why SIP works: Investing ₹10,000/month uses rupee cost averaging, buying more units when markets dip. Over 5 years, this smooths out volatility.

    📖 SIP · 📖 XIRR · 📖 RCA

    Returns

    1M3M6M1Y3Y CAGR5Y CAGR
    +0.6691751962990988%+159.35423323333637%----

    Performance

    This chart shows the fund's NAV growth over time.

    What is CAGR and how is return calculated? →

    👤Fund Manager

    Fund manager information is not available for this fund.

    All mutual fund data is for educational purposes only. Past performance does not guarantee future returns. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. Equiscale does not provide investment advice.