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InvestVerdict

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days)

Regular Plan · IDCW · Mutual fund · Scheme code 146973

NAV₹17.4961as on 28 Oct 2026
Fund houseSBI Mutual Fund
CategoryMutual fund
Plan & optionRegular · IDCW
History7.4 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.332.262.38 6.107.706.72 6.99—7.93

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 1.8% 0.67 1.07 — — -4.6% —

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

941231531822020202220242026InvestVerdict

Drawdown from peak (%)

0%-1%-2%-4%2020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
2,292 0.5% 7.8% 17.3% 0%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

InvestVerdict

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days)

Regular Plan · IDCW

Allocation

By asset

Debt96.04%
Cash & Equivalents3.96%

By market cap

Unclassified96.04%

Concentration

Number of stocks14
Top 5 stocks49.04%
Top 10 stocks83.38%
Top 20 stocks96.04%
Lines in the filing16
Largest holding9.89%
Largest sectorSovereign 96.04%
Effective stocks12.9
Sectors held1
Cash3.96%

Effective stocks is what the concentration works out to: a fund holding 14 names but most of its money in a few behaves like a fund of 13. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

Sovereign — 96.0%Cash & Equivalents — 4.0%Sovereign96.0%Cash & Equivalents4.0%
Sovereign96.04%
Cash & Equivalents3.96%
InvestVerdict

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days)

Regular Plan · IDCW · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 GOI 16.12.2028 GOV Sovereign 600,000 5 9.89%
2 8.35% State Government of Gujarat 2029 Sovereign 500,000 5 9.79%
3 8.39% State Government of Uttar Pradesh 2029 Sovereign 500,000 5 9.79%
4 8.39% State Government of Bihar 2029 Sovereign 500,000 5 9.79%
5 8.30% State Government of Gujarat 2029 Sovereign 500,000 5 9.78%
6 8.06% State Government of Karnataka 2029 Sovereign 500,000 5 9.74%
7 8.05% State Government of Gujarat 2029 Sovereign 400,000 4 7.79%
8 7.59% CGL 2029 Sovereign 325,000 3 6.34%
9 GOI 06.11.2028 GOV Sovereign 328,800 3 5.46%
10 GOI 19.03.2029 GOV Sovereign 310,000 3 5.01%
11 GOI 12.06.2028 GOV Sovereign 278,000 2 4.75%
12 GOI 22.02.2029 GOV Sovereign 250,000 2 4.06%
13 TREPS Unclassified — 2 3.51%
14 GOI 12.12.2028 GOV Sovereign 125,000 1 2.06%
15 GOI 12.03.2029 GOV Sovereign 110,400 1 1.79%
16 Net Receivable / Payable Unclassified — 0 0.45%
InvestVerdict

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days)

Regular Plan · IDCW · where the money sits

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹720,801 ₹120,801 7.28%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 30 Oct 2026.