Sbi Savings Fund Datagrid
Category Money Market Fund
BMSMONEY Rank 16
Rating
Growth Option 27-01-2026
NAV ₹42.85(R) +0.06% ₹46.08(D) +0.07%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 6.87% 7.01% 5.78% 5.97% 6.37%
Direct 7.3% 7.53% 6.31% 6.52% 6.98%
Benchmark
SIP (XIRR) Regular 6.06% 6.86% 6.49% 5.72% 5.97%
Direct 6.49% 7.35% 7.0% 6.24% 6.53%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
3.92 9.75 0.71 5.74% 0.11
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
0.33% 0.0% 0.0% 0.11 0.19%
Fund AUM As on: 30/12/2025 36547 Cr
Top Money Market Fund
Fund Name Rank Rating
Uti Money Market Fund 1
Axis Money Market Fund 2
Aditya Birla Sun Life Money Manager Fund 3
Nippon India Money Market Fund 4
Tata Money Market Fund 5

NAV Date: 27-01-2026

Scheme Name NAV Rupee Change Percent Change
SBI Savings Fund - Regular Plan Daily Income Distribution cum Capital Withdrawal Option (IDCW) 13.97
0.0100
0.0600%
SBI Savings Fund - Direct Plan Daily Income Distribution cum Capital Withdrawal Option (IDCW) 14.39
0.0100
0.0700%
SBI Savings Fund - Regular Plan Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 15.95
0.0100
0.0600%
SBI Savings Fund - Direct Plan Weekly Income Distribution cum Capital Withdrawal Option (IDCW) 16.63
0.0100
0.0700%
SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 16.9
0.0100
0.0600%
SBI Savings Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 18.27
0.0100
0.0700%
SBI SAVINGS FUND - REGULAR PLAN - GROWTH 42.85
0.0300
0.0600%
SBI SAVINGS FUND - DIRECT PLAN - GROWTH 46.08
0.0300
0.0700%

Review Date: 27-01-2026

Beginning of Analysis

In the Money Market Fund category, Sbi Savings Fund is the 16th ranked fund. The category has total 20 funds. The Sbi Savings Fund has shown a poor past performence in Money Market Fund. The fund has a Jensen Alpha of 5.74% which is lower than the category average of 5.92%, showing poor performance. The fund has a Sharpe Ratio of 3.92 which is lower than the category average of 4.07.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Money Market Mutual Funds are ideal for investors seeking a safe, liquid, and low-risk investment option for short-term cash management. These funds invest in high-quality, short-term money market instruments with a maturity of up to 1 year, offering quick redemption (within 1 business day) and stable returns. While they provide better returns than savings accounts, they may underperform compared to other debt funds with longer maturities. Investors should consider their liquidity needs, risk tolerance, and investment horizon before investing in Money Market Funds. Additionally, the absence of a lock-in period makes them a flexible choice for managing short-term financial goals.

Sbi Savings Fund Return Analysis

  • The fund has given a return of 0.36%, 1.38 and 2.84 in last one, three and six months respectively. In the same period the category average return was 0.34%, 1.36% and 2.84% respectively.
  • Sbi Savings Fund has given a return of 7.3% in last one year. In the same period the Money Market Fund category average return was 7.26%.
  • The fund has given a return of 7.53% in last three years and ranked 10.0th out of 21 funds in the category. In the same period the Money Market Fund category average return was 7.43%.
  • The fund has given a return of 6.31% in last five years and ranked 8th out of 16 funds in the category. In the same period the Money Market Fund category average return was 6.26%.
  • The fund has given a return of 6.98% in last ten years and ranked 1st out of 11 funds in the category. In the same period the category average return was 6.72%.
  • The fund has given a SIP return of 6.49% in last one year whereas category average SIP return is 6.46%. The fund one year return rank in the category is 8th in 22 funds
  • The fund has SIP return of 7.35% in last three years and ranks 11th in 21 funds. Tata Money Market Fund has given the highest SIP return (7.49%) in the category in last three years.
  • The fund has SIP return of 7.0% in last five years whereas category average SIP return is 6.97%.

Sbi Savings Fund Risk Analysis

  • The fund has a standard deviation of 0.33 and semi deviation of 0.19. The category average standard deviation is 0.34 and semi deviation is 0.21.
  • The fund has a beta of 0.14 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Money Market Fund Category
  • Good Performance in Money Market Fund Category
  • Poor Performance in Money Market Fund Category
  • Very Poor Performance in Money Market Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.33
    0.32
    		0.26 | 0.37 11 | 22 Good
    3M Return % 1.28
    1.28
    		1.09 | 1.37 13 | 22 Average
    6M Return % 2.64
    2.68
    		2.27 | 2.80 18 | 22 Average
    1Y Return % 6.87
    6.92
    		6.12 | 7.24 15 | 22 Average
    3Y Return % 7.01
    7.09
    		6.30 | 7.48 17 | 21 Average
    5Y Return % 5.78
    5.93
    		5.06 | 6.27 11 | 16 Average
    7Y Return % 5.97
    6.17
    		5.14 | 6.49 11 | 13 Average
    10Y Return % 6.37
    6.39
    		5.57 | 6.79 7 | 11 Average
    15Y Return % 7.28
    7.21
    		6.52 | 7.57 7 | 11 Average
    1Y SIP Return % 6.06
    6.13
    		5.32 | 6.41 15 | 22 Average
    3Y SIP Return % 6.86
    6.95
    		6.16 | 7.29 17 | 21 Average
    5Y SIP Return % 6.49
    6.65
    		5.77 | 6.96 13 | 16 Poor
    7Y SIP Return % 5.72
    5.87
    		4.99 | 6.18 10 | 13 Average
    10Y SIP Return % 5.97
    6.11
    		5.21 | 6.47 8 | 11 Average
    15Y SIP Return % 6.56
    6.60
    		5.79 | 6.98 7 | 11 Average
    Standard Deviation 0.33
    0.34
    		0.28 | 0.43 6 | 21 Very Good
    Semi Deviation 0.19
    0.21
    		0.17 | 0.35 5 | 21 Very Good
    Sharpe Ratio 3.92
    4.07
    		1.94 | 5.23 15 | 21 Average
    Sterling Ratio 0.71
    0.71
    		0.63 | 0.75 15 | 21 Average
    Sortino Ratio 9.75
    14.57
    		1.35 | 33.07 15 | 21 Average
    Jensen Alpha % 5.74
    5.92
    		5.08 | 6.21 16 | 21 Average
    Treynor Ratio 0.11
    0.14
    		0.06 | 0.18 17 | 21 Average
    Modigliani Square Measure % 15.34
    15.64
    		13.32 | 18.48 14 | 21 Average
    Alpha % -0.99
    -0.84
    		-1.58 | -0.45 16 | 21 Average
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    Rotate the phone! Best viewed in landscape mode on mobile.
    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.36 0.34 0.29 | 0.41 7 | 22 Good
    3M Return % 1.38 1.36 1.30 | 1.43 6 | 22 Very Good
    6M Return % 2.84 2.84 2.77 | 2.91 11 | 22 Good
    1Y Return % 7.30 7.26 6.94 | 7.41 11 | 22 Good
    3Y Return % 7.53 7.43 6.71 | 7.69 10 | 21 Good
    5Y Return % 6.31 6.26 5.96 | 6.50 8 | 16 Good
    7Y Return % 6.52 6.51 6.16 | 7.27 6 | 13 Good
    10Y Return % 6.98 6.72 6.11 | 6.98 1 | 11 Very Good
    1Y SIP Return % 6.49 6.46 6.27 | 6.62 8 | 22 Good
    3Y SIP Return % 7.35 7.28 6.68 | 7.49 11 | 21 Good
    5Y SIP Return % 7.00 6.97 6.78 | 7.17 10 | 16 Average
    7Y SIP Return % 6.24 6.20 6.00 | 6.41 6 | 13 Good
    10Y SIP Return % 6.53 6.43 6.17 | 6.60 4 | 11 Good
    Standard Deviation 0.33 0.34 0.28 | 0.43 6 | 21 Very Good
    Semi Deviation 0.19 0.21 0.17 | 0.35 5 | 21 Very Good
    Sharpe Ratio 3.92 4.07 1.94 | 5.23 15 | 21 Average
    Sterling Ratio 0.71 0.71 0.63 | 0.75 15 | 21 Average
    Sortino Ratio 9.75 14.57 1.35 | 33.07 15 | 21 Average
    Jensen Alpha % 5.74 5.92 5.08 | 6.21 16 | 21 Average
    Treynor Ratio 0.11 0.14 0.06 | 0.18 17 | 21 Average
    Modigliani Square Measure % 15.34 15.64 13.32 | 18.48 14 | 21 Average
    Alpha % -0.99 -0.84 -1.58 | -0.45 16 | 21 Average
    Return data last Updated On : Jan. 27, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Sbi Savings Fund NAV Regular Growth Sbi Savings Fund NAV Direct Growth
    27-01-2026 42.8524 46.083
    23-01-2026 42.8251 46.0516
    22-01-2026 42.8217 46.0474
    21-01-2026 42.8084 46.0326
    20-01-2026 42.8019 46.0252
    19-01-2026 42.802 46.0247
    16-01-2026 42.7907 46.0111
    14-01-2026 42.7861 46.0051
    13-01-2026 42.7808 45.9989
    12-01-2026 42.7826 46.0003
    09-01-2026 42.7638 45.9787
    08-01-2026 42.7624 45.9766
    07-01-2026 42.7637 45.9775
    06-01-2026 42.7691 45.9828
    05-01-2026 42.7618 45.9745
    02-01-2026 42.7458 45.9558
    01-01-2026 42.7423 45.9514
    31-12-2025 42.7357 45.9438
    30-12-2025 42.7118 45.9177
    29-12-2025 42.7132 45.9186

    Fund Launch Date: 25/Nov/2004
    Fund Category: Money Market Fund
    Investment Objective: To provide the investors an opportunityto invest in money market instruments.
    Fund Description: An open-ended Debt Scheme investing inmoney market instruments
    Fund Benchmark: NIFTY Money Market Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.