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SBI Savings Fund(IDCW-Payout)

IDCW
16.100.03% (+0.00)
Investment Checklist

Returns

Fund's average annual rolling returns over the last three years is compared against the funds from the same category

Fund has been able to generate better returns compared to other funds in the same category

Expense Ratio

Expense Ratio is the fee paid by investors of Mutual Funds. Fund's expense ratio is compared against the expense ratio of other funds in the same category to check if the fund is charging more or less compared to other funds in the same category

Less expense ratio implies better returns over the long term

Return vs FD Rates

If fund's return is lower than the average fixed deposit rates offered by banks, investors are better off investing the amount in a FD

Fund has not been able to generate better price return than bank FD

Red Flags

We check for various red flags on fund's portfolio holdings like - ratings for debt securities, pledging of promoter shares in the company, default probabiity of the company, stocks presense in negative lists published by the exchanges etc. Checkout the Holdings section in the Portfolio tab for full list of securties with red flags

Total holdings with red flags is insignificant

OverviewPeersPortfolioFund ManagerOpinions

Asset Allocation

Actual

Target

Jun 2023

Sep 2023

Dec 2023

Mar 2024

ACTUAL
+1 moreTreasury BillsGovernment SecuritiesCommercial PaperCertificate of Deposit-0.90%0.26%0.96%9.74%28.80%61.14%

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Tickertape Separator

Sector Distribution

+5 moreHome FinancingInvestment Banking & BrokerageG-SecPublic BanksPrivate Banks10.10 %6.89 %9.37 %10.70 %26.85 %36.09 %

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Tickertape Separator

Sector Weightage

Dec 22Mar 23Jun 23Sep 23Dec 23Mar 2426.19%23.24%16.67%33.65%38.48%36.09%
Private Banks as a % of total holdings for last six quarters
Tickertape Separator

Current Holdings

Debt

Others

  • Constituent
    Holding Weight
    3M Change
  • HDFC Bank Ltd.
    CRISIL A1+
    3M change : 5.13 %|CRISIL A1+

    Holdings

    5.13 %

    5.13 %
  • LIC Housing Finance Ltd.
    CRISIL A1+
    3M change : -0.15 %|CRISIL A1+

    Holdings

    4.83 %

    -0.15 %
  • Punjab National Bank
    CRISIL A1+
    3M change : 4.83 %|CRISIL A1+

    Holdings

    4.83 %

    4.83 %
  • Axis Bank Ltd.
    CRISIL A1+
    3M change : -1.33 %|CRISIL A1+

    Holdings

    4.05 %

    -1.33 %
  • Canara Bank
    CRISIL A1+
    3M change : 3.11 %|CRISIL A1+

    Holdings

    3.11 %

    3.11 %
  • National Bank for Agriculture and Rural Development
    CRISIL A1+
    3M change : 3.10 %|CRISIL A1+

    Holdings

    3.10 %

    3.10 %
  • Panatone Finvest Ltd.
    CRISIL A1+
    3M change : 3.09 %|CRISIL A1+

    Holdings

    3.09 %

    3.09 %
  • 7.52% State Government of Gujarat 2025
    Sovereign
    3M change : 2.72 %|Sovereign

    Holdings

    2.72 %

    2.72 %
  • The Federal Bank Ltd.
    CRISIL A1+
    3M change : -0.08 %|CRISIL A1+

    Holdings

    2.66 %

    -0.08 %
  • RBL Bank Ltd.
    [ICRA]A1+
    3M change : 2.60 %|[ICRA]A1+

    Holdings

    2.60 %

    2.60 %
  • Punjab & Sind Bank
    [ICRA]A1+
    3M change : 2.56 %|[ICRA]A1+

    Holdings

    2.56 %

    2.56 %
  • IDBI Bank Ltd.
    IND A1+
    3M change : 2.55 %|IND A1+

    Holdings

    2.55 %

    2.55 %
  • Bharti Telecom Ltd.
    CRISIL A1+
    3M change : 2.55 %|CRISIL A1+

    Holdings

    2.55 %

    2.55 %
  • 8.12% State Government of Assam 2025
    Sovereign
    3M change : 2.21 %|Sovereign

    Holdings

    2.21 %

    2.21 %
  • 8.97% State Government of Karnataka 2024
    Sov
    3M change : -0.12 %|Sov

    Holdings

    2.10 %

    -0.12 %
  • Kotak Mahindra Bank Ltd.
    CRISIL A1+
    3M change : -0.06 %|CRISIL A1+

    Holdings

    1.98 %

    -0.06 %
  • The Federal Bank Ltd.
    CRISIL A1+
    3M change : 1.93 %|CRISIL A1+

    Holdings

    1.93 %

    1.93 %
  • Small Industries Development Bank of India
    CRISIL A1+
    3M change : -0.06 %|CRISIL A1+

    Holdings

    1.82 %

    -0.06 %
  • Export-Import Bank of India
    CRISIL A1+
    3M change : 1.79 %|CRISIL A1+

    Holdings

    1.79 %

    1.79 %
  • ICICI Bank Ltd.
    [ICRA]A1+
    3M change : -0.05 %|[ICRA]A1+

    Holdings

    1.59 %

    -0.05 %
  • Tata Capital Housing Finance Ltd.
    CRISIL A1+
    3M change : 1.55 %|CRISIL A1+

    Holdings

    1.55 %

    1.55 %
  • Bank of Baroda
    IND A1+
    3M change : 1.54 %|IND A1+

    Holdings

    1.54 %

    1.54 %
  • Equitas Small Finance Bank Ltd.
    CRISIL A1+
    3M change : 1.53 %|CRISIL A1+

    Holdings

    1.53 %

    1.53 %
  • Motilal Oswal Financial Services Ltd.
    CRISIL A1+
    3M change : 1.52 %|CRISIL A1+

    Holdings

    1.52 %

    1.52 %
  • HDFC Bank Ltd.
    CRISIL A1+
    3M change : -2.23 %|CRISIL A1+

    Holdings

    1.46 %

    -2.23 %
  • Highways Infrastructure Trust
    CRISIL A1+
    3M change : -0.04 %|CRISIL A1+

    Holdings

    1.45 %

    -0.04 %
  • Equitas Small Finance Bank Ltd.
    CRISIL A1+
    3M change : 1.30 %|CRISIL A1+

    Holdings

    1.30 %

    1.30 %
  • Small Industries Development Bank of India
    CRISIL A1+
    3M change : 1.29 %|CRISIL A1+

    Holdings

    1.29 %

    1.29 %
  • Axis Bank Ltd.
    CRISIL A1+
    3M change : 1.29 %|CRISIL A1+

    Holdings

    1.29 %

    1.29 %
  • HDFC Bank Ltd.
    CRISIL A1+
    3M change : 1.29 %|CRISIL A1+

    Holdings

    1.29 %

    1.29 %
  • Union Bank of India
    [ICRA]A1+
    3M change : 1.28 %|[ICRA]A1+

    Holdings

    1.28 %

    1.28 %
  • Small Industries Development Bank of India
    CRISIL A1+
    3M change : 1.28 %|CRISIL A1+

    Holdings

    1.28 %

    1.28 %
  • Canara Bank
    CRISIL A1+
    3M change : 1.28 %|CRISIL A1+

    Holdings

    1.28 %

    1.28 %
  • Indian Bank
    CRISIL A1+
    3M change : 1.28 %|CRISIL A1+

    Holdings

    1.28 %

    1.28 %
  • Birla Group Holding Pvt. Ltd.
    CRISIL A1+
    3M change : 1.28 %|CRISIL A1+

    Holdings

    1.28 %

    1.28 %
  • HDFC Credila Financial Services Pvt. Ltd.
    CRISIL A1+
    3M change : 1.28 %|CRISIL A1+

    Holdings

    1.28 %

    1.28 %
  • HDFC Credila Financial Services Pvt. Ltd.
    CRISIL A1+
    3M change : 1.27 %|CRISIL A1+

    Holdings

    1.27 %

    1.27 %
  • Muthoot Finance Ltd.
    CRISIL A1+
    3M change : 1.27 %|CRISIL A1+

    Holdings

    1.27 %

    1.27 %
  • Muthoot Finance Ltd.
    CRISIL A1+
    3M change : 1.27 %|CRISIL A1+

    Holdings

    1.27 %

    1.27 %
  • Union Bank of India
    [ICRA]A1+
    3M change : 1.16 %|[ICRA]A1+

    Holdings

    1.16 %

    1.16 %
  • Infina Finance Pvt. Ltd.
    CRISIL A1+
    3M change : -0.03 %|CRISIL A1+

    Holdings

    1.16 %

    -0.03 %
  • The Federal Bank Ltd.
    CRISIL A1+
    3M change : 1.02 %|CRISIL A1+

    Holdings

    1.02 %

    1.02 %
  • IndusInd Bank Ltd.
    CRISIL A1+
    3M change : 1.02 %|CRISIL A1+

    Holdings

    1.02 %

    1.02 %
  • 91 DAY T-BILL 11.04.24
    Sovereign
    3M change : 0.96 %|Sovereign

    Holdings

    0.96 %

    0.96 %
  • Kotak Mahindra Bank Ltd.
    CRISIL A1+
    3M change : 0.90 %|CRISIL A1+

    Holdings

    0.90 %

    0.90 %
  • Muthoot Finance Ltd.
    CRISIL A1+
    3M change : 0.89 %|CRISIL A1+

    Holdings

    0.89 %

    0.89 %
  • IndusInd Bank Ltd.
    CRISIL A1+
    3M change : -0.02 %|CRISIL A1+

    Holdings

    0.79 %

    -0.02 %
  • IndusInd Bank Ltd.
    CRISIL A1+
    3M change : 0.77 %|CRISIL A1+

    Holdings

    0.77 %

    0.77 %
  • ICICI Bank Ltd.
    [ICRA]A1+
    3M change : 0.77 %|[ICRA]A1+

    Holdings

    0.77 %

    0.77 %
  • HDFC Credila Financial Services Pvt. Ltd.
    CRISIL A1+
    3M change : 0.76 %|CRISIL A1+

    Holdings

    0.76 %

    0.76 %
  • ICICI Bank Ltd.
    [ICRA]A1+
    3M change : -3.50 %|[ICRA]A1+

    Holdings

    0.67 %

    -3.50 %
  • Equitas Small Finance Bank Ltd.
    CRISIL A1+
    3M change : 0.64 %|CRISIL A1+

    Holdings

    0.64 %

    0.64 %
  • 7.38% State Government of Madhya Pradesh 2025
    Sovereign
    3M change : 0.55 %|Sovereign

    Holdings

    0.55 %

    0.55 %
  • 5.80% State Government of Maharashtra 2025
    Sovereign
    3M change : 0.54 %|Sovereign

    Holdings

    0.54 %

    0.54 %
  • ICICI Securities Ltd.
    CRISIL A1+
    3M change : 0.51 %|CRISIL A1+

    Holdings

    0.51 %

    0.51 %
  • LIC Housing Finance Ltd.
    CRISIL A1+
    3M change : 0.51 %|CRISIL A1+

    Holdings

    0.51 %

    0.51 %
  • National Bank for Agriculture and Rural Development
    CRISIL A1+
    3M change : 0.51 %|CRISIL A1+

    Holdings

    0.51 %

    0.51 %
  • Nexus Select Trust
    IND A1+
    3M change : 0.51 %|IND A1+

    Holdings

    0.51 %

    0.51 %
  • GOI 15.06.2024 GOV
    Sov
    3M change : -0.02 %|Sov

    Holdings

    0.51 %

    -0.02 %
  • Pilani Investment & Industries Corporation Ltd.
    CRISIL A1+
    3M change : 0.51 %|CRISIL A1+

    Holdings

    0.51 %

    0.51 %
  • Motilal Oswal Financial Services Ltd.
    CRISIL A1+
    3M change : 0.51 %|CRISIL A1+

    Holdings

    0.51 %

    0.51 %
  • 8.08% State Government of Karnataka 2025
    Sovereign
    3M change : 0.50 %|Sovereign

    Holdings

    0.50 %

    0.50 %
  • 6.35% CGL 2024
    Sovereign
    3M change : 0.27 %|Sovereign

    Holdings

    0.27 %

    0.27 %
  • Bharti Enterprises Ltd.
    CRISIL A1+
    3M change : -0.57 %|CRISIL A1+

    Holdings

    0.27 %

    -0.57 %
  • GOI 26.04.2024 GOV
    Sov
    3M change : -0.01 %|Sov

    Holdings

    0.22 %

    -0.01 %
  • Axis Bank Ltd.
    CRISIL A1+
    3M change : 0.13 %|CRISIL A1+

    Holdings

    0.13 %

    0.13 %
  • GOI 12.06.2024 GOV
    Sov
    3M change : -0.00 %|Sov

    Holdings

    0.12 %

    -0.00 %
  • Panatone Finvest Ltd.
    CRISIL A1+
    3M change : -3.16 %|CRISIL A1+

    Holdings

    0.00 %

    -3.16 %
  • Indian Bank
    CRISIL A1+
    3M change : -2.43 %|CRISIL A1+

    Holdings

    0.00 %

    -2.43 %
  • IndusInd Bank Ltd.
    CRISIL A1+
    3M change : -2.29 %|CRISIL A1+

    Holdings

    0.00 %

    -2.29 %
  • Punjab National Bank
    CRISIL A1+
    3M change : -0.71 %|CRISIL A1+

    Holdings

    0.00 %

    -0.71 %
  • The Federal Bank Ltd.
    CRISIL A1+
    3M change : -0.57 %|CRISIL A1+

    Holdings

    0.00 %

    -0.57 %
  • Export-Import Bank of India
    CRISIL A1+
    3M change : -3.55 %|CRISIL A1+

    Holdings

    0.00 %

    -3.55 %
  • Tata Motors Finance Ltd.
    CRISIL A1+
    3M change : -2.27 %|CRISIL A1+

    Holdings

    0.00 %

    -2.27 %
  • Muthoot Finance Ltd.
    CRISIL A1+
    3M change : -1.42 %|CRISIL A1+

    Holdings

    0.00 %

    -1.42 %
  • Muthoot Finance Ltd.
    CRISIL A1+
    3M change : -1.28 %|CRISIL A1+

    Holdings

    0.00 %

    -1.28 %
  • Muthoot Finance Ltd.
    CRISIL A1+
    3M change : -0.85 %|CRISIL A1+

    Holdings

    0.00 %

    -0.85 %
  • National Bank for Agriculture and Rural Development
    CRISIL A1+
    3M change : -3.13 %|CRISIL A1+

    Holdings

    0.00 %

    -3.13 %
  • Small Industries Development Bank of India
    CRISIL A1+
    3M change : -2.27 %|CRISIL A1+

    Holdings

    0.00 %

    -2.27 %
  • The Federal Bank Ltd.
    CRISIL A1+
    3M change : -1.71 %|CRISIL A1+

    Holdings

    0.00 %

    -1.71 %
  • 364 DAY T-BILL 22.03.24
    Sov
    3M change : -3.86 %|Sov

    Holdings

    0.00 %

    -3.86 %
  • Cholamandalam Investment & Finance Co. Ltd.
    CRISIL A1+
    3M change : -0.85 %|CRISIL A1+

    Holdings

    0.00 %

    -0.85 %
  • Small Industries Development Bank of India
    CRISIL A1+
    3M change : -0.84 %|CRISIL A1+

    Holdings

    0.00 %

    -0.84 %
  • Union Bank of India
    [ICRA]A1+
    3M change : -0.57 %|[ICRA]A1+

    Holdings

    0.00 %

    -0.57 %
  • 5.39% State Government of Gujarat 2024
    Sovereign
    3M change : -0.43 %|Sovereign

    Holdings

    0.00 %

    -0.43 %
  • Tata Capital Housing Finance Ltd.
    CRISIL A1+
    3M change : -1.12 %|CRISIL A1+

    Holdings

    0.00 %

    -1.12 %
  • IndusInd Bank Ltd.
    CRISIL A1+
    3M change : -1.12 %|CRISIL A1+

    Holdings

    0.00 %

    -1.12 %
  • Mahindra & Mahindra Financial Services Ltd.
    CRISIL A1+
    3M change : -1.43 %|CRISIL A1+

    Holdings

    0.00 %

    -1.43 %
  • Infina Finance Pvt. Ltd.
    CRISIL A1+
    3M change : -0.80 %|CRISIL A1+

    Holdings

    0.00 %

    -0.80 %
  • Punjab & Sind Bank
    [ICRA]A1+
    3M change : -2.84 %|[ICRA]A1+

    Holdings

    0.00 %

    -2.84 %
  • Small Industries Development Bank of India
    CRISIL A1+
    3M change : -0.42 %|CRISIL A1+

    Holdings

    0.00 %

    -0.42 %
  • Small Industries Development Bank of India
    CRISIL A1+
    3M change : -0.42 %|CRISIL A1+

    Holdings

    0.00 %

    -0.42 %
  • 8.35% CGL 2024
    Sov
    3M change : -2.89 %|Sov

    Holdings

    0.00 %

    -2.89 %
  • 8.21% State Government of Haryana 2024
    Sov
    3M change : -0.92 %|Sov

    Holdings

    0.00 %

    -0.92 %
  • HDFC Bank Ltd.
    CRISIL A1+
    3M change : -3.03 %|CRISIL A1+

    Holdings

    0.00 %

    -3.03 %
  • HDFC Bank Ltd.
    CRISIL A1+
    3M change : -0.84 %|CRISIL A1+

    Holdings

    0.00 %

    -0.84 %
  • HDFC Bank Ltd.
    CRISIL A1+
    3M change : -0.65 %|CRISIL A1+

    Holdings

    0.00 %

    -0.65 %
  • 5.52% State Government of Madhya Pradesh 2024
    Sovereign
    3M change : -0.29 %|Sovereign

    Holdings

    0.00 %

    -0.29 %
  • JM Financial Services Ltd.
    CRISIL A1+
    3M change : -0.57 %|CRISIL A1+

    Holdings

    0.00 %

    -0.57 %
  • JM Financial Credit Solutions Ltd.
    [ICRA]A1+
    3M change : -0.57 %|[ICRA]A1+

    Holdings

    0.00 %

    -0.57 %
  • JM Financial Products Ltd.
    CRISIL A1+
    3M change : -0.57 %|CRISIL A1+

    Holdings

    0.00 %

    -0.57 %
  • Punjab National Bank
    CRISIL A1+
    3M change : -0.43 %|CRISIL A1+

    Holdings

    0.00 %

    -0.43 %
  • 364 DAY T-BILL 29.03.24
    Sovereign
    3M change : -1.13 %|Sovereign

    Holdings

    0.00 %

    -1.13 %
  • Tata Capital Financial Services Ltd.
    CRISIL A1+
    3M change : -0.57 %|CRISIL A1+

    Holdings

    0.00 %

    -0.57 %
  • JM Financial Properties & Holdings Ltd.
    CRISIL A1+
    3M change : -0.51 %|CRISIL A1+

    Holdings

    0.00 %

    -0.51 %
  • Kotak Mahindra Bank Ltd.
    CRISIL A1+
    3M change : -1.53 %|CRISIL A1+

    Holdings

    0.00 %

    -1.53 %
  • 7.32% CGL 2024
    Sovereign
    3M change : -0.87 %|Sovereign

    Holdings

    0.00 %

    -0.87 %
  • Tata Projects Ltd.
    CRISIL A1+
    3M change : -1.13 %|CRISIL A1+

    Holdings

    0.00 %

    -1.13 %
  • Axis Bank Ltd.
    CRISIL A1+
    3M change : -0.96 %|CRISIL A1+

    Holdings

    0.00 %

    -0.96 %
  • ONGC Petro Additions Ltd.
    CRISIL A1+
    3M change : -2.24 %|CRISIL A1+

    Holdings

    0.00 %

    -2.24 %
  • IDFC First Bank Ltd.
    CRISIL A1+
    3M change : -3.69 %|CRISIL A1+

    Holdings

    0.00 %

    -3.69 %
  • Bank of Baroda
    IND A1+
    3M change : -1.68 %|IND A1+

    Holdings

    0.00 %

    -1.68 %
  • ICICI Bank Ltd.
    [ICRA]A1+
    3M change : -1.61 %|[ICRA]A1+

    Holdings

    0.00 %

    -1.61 %