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SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ monitor_heart Health Score: 61/100 · AverageSBI Mutual Fund · Debt · Money Market Fund
₹17.4
AUM: ₹5,699 Cr
NAV updated 19 days ago
Plan
Regular
Option
Idcw
Risk
Low to Moderate
Expense Ratio
0.94%
Exit Load
Exit load of 0.10% if redeemed within 15 days.
Fund Manager
Ruchit Mehta, Neeraj Kumar
Inception
May 2015
Benchmark
NIFTY Equity Savings Total Return Index
Sharpe Ratio
-0.82
Std Dev (1Y)
0.46%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+1.1%
3m
+1.9%
6m
+3.06%
1y
+5.89%
3y
+6.89%
5y
+6.04%
10y
+4.21%
since inception
+2.74%
rate_review TopFund's Take on SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) sits in the middle of the pack for Money Market Fund funds, currently carrying a 3-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 61/100.
Cost: At 0.94%, the expense ratio runs 292% above the Money Market Fund category average of 0.24%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.82 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 0.46% is on the lower side, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to conservative investors prioritising capital stability and predictable income over high growth.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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tips_and_updates Tools & Guides for This Fund
Frequently Asked Questions about SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹17.4. NAV is updated every business day after market close by AMFI.
1Y: 5.89% · 3Y CAGR: 6.89% · 5Y CAGR: 6.04%
The expense ratio is 0.94% per annum — the annual fee deducted from your investment to cover fund management costs.
SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Ruchit Mehta, Neeraj Kumar at SBI Mutual Fund.
SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is a Low to Moderate risk fund. Suitable for investors with a moderate risk appetite.
SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is a Money Market Fund fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of SBI Savings Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹5,700 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.