Q: What are the returns of this mutual fund scheme?

The SBI Floating Rate Debt Fund Direct - Growth is a 5 yrs old fund and has delivered average annual returns of 6.44% since inception. SBI Floating Rate Debt Fund Direct - Growth Returns 1-Year 3-Year Since Inception 7.46% 7.96% 6.44%

Question 1

What is the current NAV of SBI Floating Rate Debt Fund Direct - Growth?

Accepted Answer

The current Net Asset Value (NAV) of the SBI Floating Rate Debt Fund - Direct Growth plan is approximately ₹13.6708 as of Oct 20, 2025.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The SBI Floating Rate Debt Fund Direct - Growth is a 5 yrs old fund and has delivered average annual returns of 6.44% since inception.

SBI Floating Rate Debt Fund Direct - Growth Returns

1-Year	3-Year	Since Inception
7.46%	7.96%	6.44%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The SBI Floating Rate Debt Fund - Direct Growth has an expense ratio of 0.25%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 4

What is the AUM or fund size of this mutual fund?

Accepted Answer

The SBI Floating Rate Debt Fund currently has assets under management (AUM) or fund size valued at approximately 812 Cr as on Sep 30, 2025.

Question 5

To whom does SBI Floating Rate Debt Fund lend to?

Accepted Answer

The top 3 debt holdings of SBI Floating Rate Debt Fund are as follows

Holding Name	Percentage of Portfolio
GOI	64.42%
Pipeline Infrastructure (India) Pvt. Ltd.	6.61%
Citi Corp Finance Ltd	6.16%

Question 6

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The SBI Floating Rate Debt Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	64.42%
AAA	32.07%
Cash & Call Money	2.82%

Question 7

What is risk level of SBI Floating Rate Debt Fund?

Accepted Answer

This is a Floater fund comes with Low to Moderate risk.

Question 8

Is there any lock-in period in this mutual fund?

Accepted Answer

No, this fund does not have any lock-in period.

Question 9

How do I invest in SBI Floating Rate Debt Fund Direct - Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for SBI Floating Rate Debt Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the SBI Floating Rate Debt Fund is complete.

Question 10

How can I redeem my investments in SBI Floating Rate Debt Fund?

Accepted Answer

Redeeming your investments in the SBI Floating Rate Debt Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

Expense ratio	0.25% as on Sep 30, 2025
Exit load	0.1% Exit load of 0.10%, if redeemed within 3 days.!
AUM (Fund size)	₹812 Cr
Lock-in Period	Nil
Age	5 yrs since Oct 06, 2020
Benchmark	NIFTY SD Debt Index A-II
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Risk	Low to Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Period	This fund	Category average
1 Month	0.45%	0.69%
3 Months	1.04%	1.36%
6 Months	2.99%	3.26%
1 Year	7.46%	8.27%
2 Years	7.95%	8.51%
3 Years	7.96%	8.21%
4 Years	6.79%	7.03%

Alpha	3.94 vs. 4.63 Underperformed at beating benchmark
Sharpe	2.18 vs. 5.75 Poor risk-adjusted returns
Beta	1.43 vs. 2.72 Less sensitive to market ups & downs
Standard deviation	0.63 vs. 0.89 More stable returns

Fund AUM	812 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

No. of schemes	72 view all schemes
Total AUM	12,07,585 Cr as on Sep 30, 2025
Address	9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai, 400051
Phone	022-61793000 / 1800-425-5425

SBI Floating Rate Debt Fund Direct - Growth

Historical NAV & returns

SBI Floating Rate Debt Fund overview

SBI Floating Rate Debt Fund Returns calculator

Trailing returns as on Oct 25, 2025

Asset allocationas on Sep 30, 2025

Key risk & return ratios Compared to other funds in the category

Compare SBI Floating Rate Debt Fund in detail with

About this fund

About SBI Floating Rate Debt Fund

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SBI Floating Rate Debt Fund Direct - Growth Returns

ET Money rank

Fund name	ETM Rank	AUM	1Y	3Y
SBI CRISIL IBX Gilt Index - June 2036 Fund	N.A.	2,709 Cr	7.74%	9.14%
SBI Credit Risk Fund	N.A.	2,210 Cr	9.07%	8.91%
SBI CRISIL IBX Gilt Index - April 2029 Fund	N.A.	2,079 Cr	8.99%	8.68%
SBI Magnum Constant Maturity Fund	N.A.	1,856 Cr	7.82%	8.6%
SBI Dynamic Bond Fund	N.A.	4,739 Cr	6.84%	8.42%
SBI Magnum Medium Duration Fund	N.A.	6,738 Cr	8.42%	8.39%