SBI Money-Market Funds

SBI Money-Market Funds

This product is suitable for investors who are seeking: Investment in debt and money- market securities SBI Premier Liquid Fund Regular income for short term Low risk SBI Ultra Short Term Debt Fund Disclaimer: Investors should consult their financial advisors if in doubt whether this product is suitable for them.

Why Money Market Funds? Liquidity Transparency To manage short term cash surplus of investors To provide optimal returns with moderate levels of risk & high liquidity Clearly defined investment universe & asset allocation All disclosures & portfolios publicly available on a monthly basis Low Risk Investor Suitability Limits in holdings & maturities clearly defined Investments are made only in high quality money market instruments Suitable for investors having investment horizon even as low as one day Ideal for investors who have a shortterm investment horizon and low risk appetite

Monetary Tools & Money Market Instruments Main Policy Tools Money Market Funds Investment Universe Liquidity Adjustment Facility (LAF) : Auction process by which banks borrow from ( at repo rate) or lend to (reverse repo rate) RBI to guide overnight call rates Cash Reserve Ratio (CRR): Mandatory Cash balance maintained by banks with RBI (3%- 20% of Net Demand and Time Liabilities NDTL), currently 4.00% Statutory Liquidity Ratio (SLR) : Balance of NDTL held by banks in safe and liquid assets (e.g. government securities, cash, gold) ; currently 22% Open Market Operations (OMO) : purchases / sales of government securities in the market to regulate (soak or inject) liquidity in the system Treasury Bills (T-Bills) : discount securities auctioned by RBI ; Tenors ranging 91 days to 1year Certificates of Deposit (CDs) : issued by banks and financial institutions ; Tenors: 7 days-1 year Commercial Paper (CPs) : unsecured notes issued by corporates and financial institutions to fund their working capital requirements ; umbrella limit set by RBI ; Tenors: 7 days-1 year Collateralized Borrowing and lending Obligations (CBLO) : discounted instruments with 1 day 1 year maturity collateralized by Government securities placed with Clearing Corporation of India (CCIL) Reverse Repos : transactions engaged on overnight basis with market participants collateralized by GSecs, T-Bills, AA-rated Bonds, currently 6.00%

SBI Premier Liquid Fund Fund Manager: Mr. Rajeev Radhakrishnan Inception Date: 24-Nov-2003 AUM : INR 22164.15 Crs. Purpose: Addressing cash management requirements of large corporates and institutions. Composition : A low risk product invested in a diversified selection of high quality issues (CPs and CDs) with a maturity lesser than or up to 91 days. Minimum P1 short term rating for portfolio holdings. NCA, 0.77 Short Term Deposits, 16.35 CBLO/Rever se Repo, - 18.63 T-BILLS, 20.49 CD, 9.18 CP, 70.71 Current Outlook: In view of seasonality in cash demand and current tight term spreads, incremental exposure has been made in non-mark to market securities over the last month. Benchmark : CRISIL Liquid Fund Index NCD, 1.13 Ratings breakdown Percentage Risk controls Over limits in assets ; Maturity by issuer; Risk diversification and Liquidity. SOV,AAA and Equivalent 101.51% NCA(Incl. Cash, Deposits) -1.51%

SBI Premier Liquid Fund 10 9 8 7 6 5 4 3 2 1 0 2015 to 30- Sep-2016 2014 to 30- Sep-2015 2013 to 30- Sep-2014 SBI Premier Liquid Fund - Reg Plan - Growth Scheme Benchmark: - Crisil Liquid Fund Index Additional Benchmark: - Crisil 1 Yr T- Bill Index 7 Days 15 Days 30 Days 2015 to 30- Sep-2016 2014 to 2015 2013 to 2014 SA Returns (%) Absolute Returns (%) CAGR Returns (%) PTP Returns (INR) SBI Premier Liquid Fund 7.12 6.88 6.80 7.85 8.56 9.30 7.82 20,503 Crisil Liquid Fund Index (Scheme Benchmark) 7.75 7.15 7.01 7.69 8.56 9.49 7.69 20,267 Crisil 1 year T-Bill Index (Additional Benchmark) 12.41 9.46 7.89 7.36 8.86 8.35 6.49 18,207 Past performance may or may not be sustained in future. Returns (in %) up to 30 days are simple annualized and returns other than since inception are absolute, calculated for Regular plan, growth option and in INR are point-to-point (PTP) returns calculated on a standard investment of 10,000/-. Additional benchmark as prescribed by SEBI for short-term debt schemes is used for comparison purposes. Data as on September 30,2016

SBI Ultra Short Term Debt Fund Fund Manager: Mr. Rajeev Radhakrishnan Inception Date: 27-Jul-2007 AUM : INR 12273.43 Crs. Purpose: Aiming to offer an incremental return over liquid funds due to moderate exposure to MTM assets. These are ideal solutions for investors with investment horizon greater than three months. Composition: The fund invests in a broad array of money market and debt instruments having residual maturity up to one year, taking slightly higher interest rate risk compared to liquid funds. 1.54 1.85 0.76 1.48 45.41 25.27 20.19 CD CP Dated Govt Securities NCD T-BILLS ZCB Current Outlook: Incrementally maturity was reduced over the last month post the policy rate cut. This was on account of market pricing in expected easing in CPI and in view of near term risks surrounding both global rates as well as incremental tightness in domestic liquidity. Benchmark: CRISIL Liquid Fund Index Risk controls: Over issuers quality; Risk dispersion processes and liquidity CBLO/Reverse Repo 3.49 NCA Ratings breakdown Percentage Below AA+ 7.32 AA+ 7.49 SOV,AAA and Equivalent 82.96 NCA(Incl. Cash,Deposits) 2.23

SBI Ultra Short Term Debt Fund 10 9 8 7 6 5 4 3 2 1 0 2015 to 2016 2014 to 2015 2013 to 2014 SBI Ultra Short Term Debt Fund - Reg Plan - Growth Scheme Benchmark: - Crisil Liquid Fund Index Additional Benchmark: - Crisil 1 Yr T-Bill Index 2015 to 2016 2014 to 2015 2013 to 2014 Absolute Returns (%) CAGR Returns (%) PTP Returns (INR) SBI Ultra Short Term Debt Fund 8.28 9.09 9.42 8.00 20,274 Crisil Liquid Fund Index (Scheme Benchmark) Past performance may or may not be sustained in future. Returns (in %) other than since inception are absolute, calculated for regular plan, growth option and in INR are point-to-point (PTP) returns calculated on a standard investment of 10,000/- Additional benchmark as prescribed by SEBI for short-term debt schemes is used for comparison purposes. Data as on September 30, 2016 7.69 8.56 9.49 7.61 19,610 Crisil 1 year T-Bill Index (Additional Benchmark) 7.36 8.86 8.35 6.35 17,606

Key Metrics SBI Premier Liquid Fund SBI Ultra-short Term Debt Fund YTM Average Maturity 6.63% 7.19% 0.10 years 0.65 years Modified Duration Expense Ratio* 0.09 years 0.59 years 0.15 (Reg.) 0.42 (Reg.) 0.09 (Dir.) 0.33 (Dir.) Data as on October 31, 2016 *Average for the month of October, 2016

Product Features SBI Premier Liquid Fund SBI Ultra Short Term Debt Fund SBI Debt Fund Series Load Structure Entry Load Nil Nil Nil Exit Load/CDSC Nil Nil Nil Transaction Cut off Subscription 2.00 P.M# 3.00 P.M 3.00 P.M Redemption 3.00 P.M 3.00 P.M 3.00 P.M Taxation* Dividend Distribution Tax Individual/HUF & NRI 28.84% 28.84% 28.84% Others 34.61% 34.61% 34.61% Capital Gains Short Term (equal to or below 3 years) Long Term (above 3 years) At marginal tax rate of the investors 20.00% with indexation benefit *All tax rates are exclusive of surcharge (10%) & Cess (3%); # Funds have to be wired before this time

Operational procedures New Corporate Customers: KYC Compliance KYC Application Form Mandatory execution of KYC Form by authorized signatories. Application Forms available with SBI FM offices across the country. Forms can also be downloaded from following link : http//www.sbimf.com/downloads/forms.aspx Mandatory Inclusions 1. Copy of PAN Card (Serves as Proof of Identity and is issued by Indian Income Tax Dept) 2. Copy of Company s Balance Sheet for the last two financial years (to be submitted every year) 3. Copy of Company s latest share holding structure duly certified by Company Secretary/Whole Time Director/MD (to be submitted every year) 4. Photograph, POI (Person of Indian Origin Card) POA (Proof of Address), PAN and DIN (Director Identification Number) of Directors 5. Photograph, POI, POA, PAN of individual promoters holding control either directly or indirectly; 6. Copies of the Memorandum and Articles of Association and Certificate of Incorporation; 7. Copy of the Board Resolution for investment in securities market; 8. List of Authorized signatories with specimen signatures Submission of the KYC Form Application form submitted to SBI FM office will be forwarded to CDSL ventures Limited (CVL), a company authorized to handle KYC Compliance process Letter of KYC Compliance Subject to completion of all the documents, KYC compliance letter is sent by CDSL Ventures Limited (CVL), within 15 days. In case of any queries regarding the KYC compliance, please contact our sales team

Subscription & Redemption Process Execution of SBI MF Forms Available with SBI MF offices across the country or can be downloaded from the following SBIMF link http://www.sbimf.com/downloads/forms. aspx Attachments Submission of Forms New Customer Initial Subscription Subscription Forms executed by authorized signatories Copy of Memorandum & Articles of Association - attested by Company Secretary List of Authorized Signatories - attested Copy of Board Resolution approving investing in mutual funds - attested Copy of PAN Card Subscription Form, attached documents and wire transfer instructions submitted to SBI MF Office Subsequent Purchases Subscription Form executed by authorized signatories Wire transfer instructions Subscription Form and wire transfer instructions submitted to SBI MF Office Cut-off Time 2.00 p.m.*/3.00 p.m.# 2.00 p.m.*/3.00 p.m.# 3.00 p.m. Allotment of Units Redemption - Units allotted end of day of transfer of clear funds - Applicable NAV would be T-1 for SPLF* and T for other products - Account Statement mailed by SBI MF T+2 # Funds have to be wired before this time; * Only applicable for SBI Premier Liquid Fund (SPLF) - Units allotted end of day of transfer of clear funds - Applicable NAV would be T-1 for SPLF and T for other products. - Account Statement mailed by SBI MF T+2 Redemption Redemption Form executed by authorized signatories Redemption Form submitted to SBI MF Office - Units redeemed end of day - Applicable NAV will be T for all the funds - Proceeds wired to client s account T+1

Performance of other schemes managed by Mr. Rajeev Radhakrishnan Managing since June, 2008 Managing since June, 2008 SBI Magnum Children s Benefit Plan - Growth CRISIL MIP Blended Index (Scheme Benchmark) Crisil 10 year Gilt Index (Additional benchmark) 2015 to 2016 2015 to 2016 2014 to 2015 Absolute Returns (%) 2014 to 2015 Absolute Returns (%) 2013 to 2014 2013 to 2014 CAGR Returns (%) CAGR Returns (%) PTP Returns (INR) SBI Short Term Debt Fund - Growth 9.06 9.81 9.43 6.74 18,207 CRISIL Short Term Bond Fund Index (Scheme Benchmark) 9.31 9.90 10.12 8.22 20,659 Crisil 1 Year T-Bill Index (Additional benchmark) 7.36 8.86 8.35 6.35 17,606 PTP Returns (INR) 19.39 8.44 36.35 10.58 43,501 11.17 10.72 15.45 N.A. N.A. 11.11 13.76 6.85 6.78 26,082 Managing since November, 2013 2015 to 2016 2014 to 2015 Absolute Returns (%) 2013 to 2014 CAGR Returns (%) PTP Returns (INR) SBI Treasury Advantage Fund - Growth 8.40 9.22 9.96 8.32 17,468 CRISIL 1 year CD Index (Scheme Benchmark) 7.86 9.80 9.10 N.A. N.A. Crisil 1 Year T-Bill Index (Additional benchmark) Managing since May, 2010 7.36 8.86 8.35 6.61 15,628 7 Days 15 Days 30 Days SA Returns (%) 2015 to 2016 2014 to 2015 Absolute Returns (%) 2013 to 2014 Past performance may or may not be sustained in the future. Returns (in %) other than since inception are absolute calculated for growth option and in INR are pointto-point (PTP) returns calculated on a standard investment of 10, 000/-. Additional benchmark as prescribed by SEBI for long-term and short-term debt schemes is used for comparison purposes only. Performance calculated for regular plan. CAGR Return s (%) PTP Return s (INR) SBI Magnum Insta-Cash Fund Growth Plan 7.38 7.01 6.89 7.88 8.58 9.30 7.41 34,623 CRISIL Liquid Fund Index (Scheme Benchmark) 7.75 7.15 7.01 7.69 8.56 9.49 N.A. N.A. Crisil 1 Year T- Bill Index (Additional benchmark) 12.4 9.46 7.89 7.36 8.86 8.35 6.59 30,303

Biographies Navneet Munot CFA, Chief Investment Officer Rajeev Radhakrishnan CFA, Head of Fixed Income Navneet Munot joined SBI Funds Management as Chief Investment Officer in December 2008. He brings with him over 15 years of rich experience in Financial Markets. In his previous assignment, he was the Executive Director & Head - multi - strategy boutique with Morgan Stanley Investment Management. Prior to joining Morgan Stanley Investment Management, he worked as the CIO - Fixed Income and Hybrid Funds at Birla Sun Life Asset Management Company Ltd. Navneet had been associated with the financial services business of the group for over 13 years and worked in various areas such as fixed income, equities and foreign exchange. Navneet is a postgraduate in Accountancy and Business Statistics and a qualified Chartered Accountant. He is also a Charter holder of the CFA Institute USA and CAIA Institute USA. He is also an FRM Charter holder of Global Association of Risk Professionals (GARP). Rajeev joined SBIFM as a fixed income portfolio manager in 2008. He currently heads the Fixed Income desk at the AMC. Prior to joining SBIFM, Rajeev was Co-Fund Manager for Fixed Income with UTI Asset Management for seven years. Rajeev is an Engineering graduate and holds a Masters degree in finance from Mumbai University. He is also a charter holder of the CFA Institute, USA

Disclaimer Mutual Fund investments are subject to market risks, read all scheme related documents carefully. This presentation is for information purposes only and is not an offer to sell or a solicitation to buy any mutual fund units/securities. These views alone are not sufficient and should not be used for the development or implementation of an investment strategy. It should not be construed as investment advice to any party. All opinions and estimates included here constitute our view as of this date and are subject to change without notice. Neither SBI Funds Management Private Limited, nor any person connected with it, accepts any liability arising from the use of this information. The recipient of this material should rely on their investigations and take their own professional advice Website www.sbimf.com Call: 1800 425 5425 SBI Funds Management Private Limited (A joint venture between SBI and AMUNDI) Registered Office: 9th Floor, Crescenzo, C-38 & 39, G Block, Bandra Kurla Complex, Bandra (E), Mumbai - 400 051 Email: customer.delight@sbimf.com SMS: SBIMF to 56161 Visit us @ www.youtube.com/user/sbimutualfund Visit us @ www.facebook.com/sbimf Board line: +91 22 61793000 Fax: +91 22 67425687