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Value Research Rating
Analyst’s Choice
Riskometer
Moderate
₹41.1636 0.05%
As on 16-May-2025
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
|
Fund name
|
Rating |
VR Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
SBI Savings Fund
|
|
|
Moderate
|
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0.67 |
|
 |
|
Low to Moderate
|
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0.42 |
||
|
|
Low to Moderate
|
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0.32 |
||
|
|
Low to Moderate
|
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0.36 |
||
 |
|
Moderate
|
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0.35 |
₹27,207 Cr
--
500
500
500
12
Investment Strategy
The scheme seeks to provide the investors an opportunity to invest in money market instruments.
Suitability
"Money Market debt funds invest in bonds with a maturity of up to one year. They aim to earn slightly better returns than what you can get from a bank account or a short duration fixed deposit. The risk of incurring a loss in these funds over the said timeframe is low but they do not guarantee returns or safety of capital.
Such funds are usually more suited to institutional investors. Retail investors can avoid these funds altogether. Here's why. Debt funds are very finely classified depending upon the maturity of the bonds they invest in. For instance, there's a different category of funds that invests in bonds of up to three months maturity, from the one that invests in bonds maturing in three to six months, and so on. We believe that such a nuanced classification adds little value to retail investors. They can avoid this complexity and simply invest the money they don't need for up to a year in a Liquid fund.
If you do decide to invest in them, remember that these funds usually deliver low returns which are only marginally higher than your bank account. They are not suitable if your aim is to build wealth in the long run."
Capital Gains Taxation
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
1 min read•By News Desk
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of SBI Savings Fund through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, SBI Savings Fund can be bought from the SBI Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
The latest declared NAV of SBI Savings Fund, is ₹41.1636 as of 17-May-2025.
| Company | Percentage of Portfolio |
|---|---|
|
HDFC Bank Ltd CD 24/03/2026 |
5.20
|
|
Punjab National Bank CD 20/03/2026 |
4.16
|
|
Bharti Telecom Ltd CP 339-D 19/09/2025 |
3.57
|
|
JSW Infrastructure Ltd CP 168-D 30/09/2025 |
3.57
|
|
LIC Housing Finance Ltd CP 364-D 11/03/2026 |
3.47
|
Over the past five years, SBI Savings Fund has delivered an annualised return of 5.62% as of 17-May-2025.
The minimum investment required to start investing in SBI Savings Fund is ₹500 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.
