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Product scoring may vary based on gender, age, policy tenure and sum assured.
Gender
Male
Age Group
The lowest age in the selected range is considered for price evaluation (e.g., 25 - 29)
30 - 34
Sum Assured
₹ 1Cr
Debt • Overnight Fund • CRISIL Liquid Overnight Index
SBI Overnight Fund(G)-Direct Plan
1 Finance Rank:
09
091 Finance Score:
83100
Yield To Maturity Score
71
Quality & Diversification Score
100
Standard Deviation Score
60
Modified Duration Score
81
AUM Score
100
Historical Performance score
66
by 1 Finance Research 1 Finance Scores reflect a holistic assessment of fund performance, risk, and costs.
AUM
₹ 17,849 Cr(As on 31-Mar-2026)NAV
₹ 4402.9768(As on 09-May-2026)Expense Ratio
0.08%(As on 31-Mar-2026)Investment Horizon
1 to 7 Days
09
Debt • Overnight Fund • CRISIL Liquid Overnight Index
SBI Overnight Fund(G)-Direct Plan
This fund ranks 9th out of 39 funds in its category.
AUM₹ 17,849 Cr(As on 31-Mar-2026)
NAV₹ 4402.9768(As on 09-May-2026)
Expense Ratio0.08%(As on 31-Mar-2026)
Investment Horizon1 to 7 Days
1 Finance Score: 83/100
Yield To Maturity Score
71
Quality & Diversification Score
100
Standard Deviation Score
60
Modified Duration Score
81
AUM Score
100
Historical Performance score
66
Fundamental Ratios
Modified Duration
6.5 yearsAverage Maturity
-Yield To Maturity
6.5%Standard Deviation
-Portfolio summary
Asset Allocation
Others
Debt
94.04%
5.96%
Credit Rating
Cash Eqv.
94.04%
SOV
5.96%
AAA
0.00%
AA
0.00%
Others
0.00%
Debt Sector Allocation
Cash & Cash Equivalents
94.04%
G-Sec
5.96%
Top Holdings
| Holding Names | Assets (%) |
|---|---|
| Tri-Party Repo (TREPS) | 61.93% |
| Reverse Repo | 32.37% |
| 364 Days Treasury Bill - 01-Jan-2026 | 1.07% |
| 91 Days Treasury Bill - 08-Jan-2026 | 1.07% |
| 91 Days Treasury Bill - 29-Jan-2026 | 0.85% |
Peer comparison
| Fund List | 1 F score | Fund Size | Expense Ratio |
|---|
Pros and Cons
Pros
Potential for higher returns as the fund maintains a high Net Yield to Maturity (YTM).
Ability to significantly outperform benchmark returns.
High AUM often signifies stability and credibility, along with being well diversified.
Relatively low modified duration indicates lower sensitivity to interest rate changes, suggesting lower risk.
Cons
This fund doesn't have any cons.
Should you invest?
Invest if you are :
- Investors with a very short
- term investment horizon of 1 to 7 days should consider this fund.
Avoid if you are :
- Long term investors and high
- risk investors should avoid this scheme.
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Taxation
If bought before April 1, 2023
- Less than or equal to 24 months: Short-Term Capital Gains (STCG) are taxed as per your applicable income tax slab.
- More than 24 months: Long-Term Capital Gains (LTCG) are taxed at 12.5% on gains.
If bought after April 1, 2023
- Taxed at applicable slab rates.
Scheme Details
Scheme Objective
- To mitigate interest rate risk and generate opportunities for regular income through a portfolio investing predominantly in floating rate securities and money market instruments
Exit Load
- Nil
Minimum investment amount
Lumpsum
₹ 5000 (open for subscription)
Other details
Founded In2013
Email Addresscustomer.delight@sbimf.com
| Fund Manager Name | Total Exp. (Years) | No. of Funds Managed |
|---|---|---|
| Ranjana Gupta | 1.9 | 5 |
About SBI MF
- One of India’s largest and most trusted AMCs, SBI Mutual Fund combines the nationwide reach of State Bank of India with global expertise, offering a wide spectrum of equity, debt, and hybrid funds.
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Frequently Asked Questions
Are debt funds risk-free?
No, debt funds aren’t entirely risk-free. They may be less volatile than equities, but carry risks like changing interest rates, credit, liquidity, concentration, and prepayment. Hence, as an investor, it is crucial you personalise your portfolio based on your financial personality, which includes your risk comfort and time horizon of your financial goals.
Is a higher yield-to-maturity (YTM) always better?
Not necessarily in every case. A higher yield-to-maturity (YTM) often implies a bond having lower credit ratings, possessing higher default risk. You must weigh YTM against your portfolio quality and your time horizon.
What’s best for an emergency fund?
An emergency fund requires saving 3-6 months of expenses, meaning planning for short-term goals. While debt funds like overnight or liquid funds are usually the preferred options due to their strong liquidity benefits, it is imperative for you to choose a fund that aligns with your financial personality.
Who can invest in debt funds?
Debt funds are suitable for investors who prefer easy liquidity, want low-risk investments, or aim for capital preservation.
Are debt funds better than equity funds?
A mutual fund scheme is designed with a specific purpose. Equity funds are for capital appreciation, while debt funds focus on capital preservation. It depends entirely on your personal finance goals, risk tolerance, and investment horizon. Choosing between debt and equity funds must align with what you want to achieve financially.
Disclaimer
The Information in the scoring and ranking model is provided solely for general information and educational purposes and shall not constitute any advice or recommendation. Mutual Fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.
Don't chase past returns.
Build a portfolio for the future
Our Advisory Includes
- Portfolio diversification
- Mutual fund tax harvesting
- Fund overlap check & more