SBI Short Term Investment Plan

Investments made in different schemes for 1 year or less are termed short-term investment plans. Saving accounts, treasury securities, stocks, and debt mutual funds are some examples of SBI short-term investment plans. The State Bank of India (SBI) offers multiple investment plans for 1 year and 3 years. Let us learn about them in detail.

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Types of SBI Best Short-Term Investment Plans

Here are some best short-term investment plans in SBI where an individual may invest to fetch decent returns. 

  1. Saving Account

    A savings account is an excellent short-term investment option. An investor can fetch a 2 to 7% rate of returns per annum. 

  2. Treasury Securities

    Treasury securities are also known as T-bills. It is a type of debt investment plan for 1 year or less backed by the government of India. It offers a 7.5% rate of returns to investors.

  3. Fixed Deposit

    SBI short-term investment plan includes a fixed deposit which offers a 2.5% to 8% rate of returns annually. An investor may open a fixed deposit account for a period of 7 days to 10 years.

  4. Debt Mutual Funds

    The debt mutual funds of the SBI short-term investment plan for 3 years offer a 6 to 9% rate of returns annually. Investors can withdraw the money anytime at their convenience or when an emergency arises as there is no lock-in period. 

  5. Liquid Mutual Fund

    The Short-term investment plan SBI offers a liquid mutual fund with a 2 to 6% annual rate of returns. It is one of the best short term investment plans for people who want to earn a little extra on their savings without market exposure. From keeping funds for overnight or years, liquid mutual funds offer tenure flexibility to their investors. 

  6. Equity Mutual Funds

    The equity mutual fund offers a 7 to 15% annual rate of returns. While equity funds do not have any lock-in period, it is advisable to stay invested in this SBI investment plan for 1 year at least to generate decent returns. For higher returns, investors can consider the SBI investment plan for 3 years. 

  7. Stocks and Money Market

    Stocks or share market is one of the SBI best short-term investment plans, which does not have any fixed rate of return. The returns are variable in nature. Further, it does not offer any time limit. One may stay invested as long as he wants.

SBI Short-Term Debt Fund

The SBI short-term debt fund has a low to moderate risk in the money market. The duration of such funds varies from 1 to 3 years. 

The debt fund is a fair source of income with no exit load on the investment planning. One needs to pay a minimum of INR 5,000 to initiate the plan. However, investors can also start a SIP with Rs 500 as well.

Investment Objective

The SBI short-term debt fund has an objective to generate a regular income for investors by making investments in debt and money market instruments. The debt instrument is not rated below investment grade making it ideal even for small investments.

Investment Strategy

The fund is based on the performance of market and other macroeconomic parameters. The SBI short-term investment plan invests in debt and money market instruments. It offers low to moderate risk and fetches considerable returns.

Portfolio

The top 15 holdings of the SBI Short-Term Debt Fund as of March 31, 2023, are:

Holding Sector Share by Weight (%)
Government of India Government 10
State Govt. of Gujarat Government 5.829
National Bank for Agri & Rural Development Government 4.957
Power Finance Corp Ltd Government 4.622
L&T Metro Rail (Hyderabad) Ltd Private 3.81
Panatone Finvest Ltd Private 3.487
Bajaj Housing Finance Ltd Private 3.355
National Bank for Agri & Rural Development Government 3.108
Tata Capital Financial Services Ltd Private 2.933
Bajaj Finance Ltd Private 2.85
Fullerton India Credit Company Ltd Private 2.654
Indian Railway Finance Corp Ltd Government 2.494
SIDBI Ltd Government 2.284
REC Ltd Government 2.235
Reliance Industries Ltd Private 2.099

Document Required

The following documents are required to invest in an SBI short-term investment plan. 

  1. Application Form

    The investor must fill out the application form with the correct details.

  2. KYC

    The investor must furnish his PAN card for verification by the government of India.

  3. Identity Proof

    The following documents can be used as identity proof:

    • Passport

    • Voter ID

    • Aadhaar Card

    • PAN Card

    • Driving Licence

  4. Address Proof

    The investor may produce the following document as proof of address:

    • Passport

    • Voter ID

    • Aadhaar Card

    • PAN Card

    • Driving Licence

    • Utility or Electricity Bill

    • Insurance Copy

    • Rent agreement

    • Ration Card

    • Declaration form by the parents in case of a minor below 18 years.

  5. For Non-individual

    The HUF (Hindu Undivided Family), partnership firms, trusts, and organisations are required to furnish the following documents:

    • Address proof

    • Bank Statement

    • Memorandum of Association (MOA) and Article of Association (AOA)

    • Trust deeds

    • Power of Attorney

    • Declaration deed of HUF

    • List of signatories 

    • Signature of authorised persons

    • Registration certificate

SBI Short-Term Debt Fund Apply

An investor may consider the following steps to apply for an SBI short-term investment plan:

  • Visit the SBI Mutual Funds official website.

  • Click on the 'Invest Now' option to land on the login page.

  • Enter the User ID along with the password to log in to the account. New users can also register via Google, Twitter or Facebook. 

  • Pay online to complete the investment process for SBI short-term investment plan.

In Conclusion 

SBI short term investment plan is an excellent investment option for individuals looking to earn decent returns in the short term without taking significant risks. The plan offers a higher degree of liquidity, safety, and convenience compared to other short-term investment options. However, investors should be aware of the market risks associated with the plan and should invest after careful analysis of their financial goals and risk appetite. It is always advisable to consult a financial advisor before making any investment decision.

FAQ's

  • What are some of the best SBI investment plans for 1 year?

    • Treasury Securities
    • Recurring Deposits
    • Stocks
    • Equity Mutual Funds
    • Fixed Deposit
  • What is the SBI investment plan for 3 years?

    The followings are the SBI investment plan for 3 years.
    • Saving Accounts
    • Fixed Deposit
    • Stocks
    • Money Market
    • Debt Instrument
  • What is the minimum investment amount for SBI Short Term Investment Plan? 

    The minimum investment amount for SBI Short Term Investment Plan is Rs. 5,000. Investors can invest in multiples of Rs. 1,000 thereafter. However, one can also start a SIP with Rs 500 for longer periods.
  • What are the risks associated with Short Term Investment Plan SBI? 

    SBI Short Term Investment Plan is subject to market risks, which means the returns on the investment may fluctuate depending on market movements. However, the risks associated with debt-oriented funds are far less than equity funds as a major investment in done in government securities.

Past 5 Year annualised returns as on 01-07-2024

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.

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