SBI Short Term Debt Fund · Regular · Growth
NAV
₹34.2344
as of 13 Nov 2026
Expense Ratio
0.85%
AUM
₹13,649 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.83%
- 3Y
- +6.63%
- 5Y
- +5.86%
- Since Inception
- +6.58%
SIP returns (XIRR)
- 1Y
- +3.99%
- 3Y
- +5.80%
- 5Y
- +6.18%
- Since Inception
- +6.91%
Returns calculated from 24 February 2009 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Nov 2016 – Nov 2026)
A ₹5,000 monthly SIP for the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,21,246 today — ₹6,00,000 invested, 6.2% XIRR.
₹6,00,000
Invested
₹8,21,246
Value today
6.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Nov 2016 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,85,070 today (6.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2016 would still hold ₹10,29,453.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Nov 2016 – Nov 2026) (22 Mar 2020) would be ₹1,50,053 today (1.50×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-1.80
Sharpe Ratio
—
Alpha
—
Beta
-1.78
Sortino
1.11%
Std Dev
-0.58%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust)4.32%
- 2Hdfc Bank Ltd.4.07%
- 3Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust)2.71%
- 47.31% State Government Of Karnataka 20332.59%
- 57.43% State Government Of Gujarat 20352.58%
- 6National Bank For Agriculture And Rural Development2.58%
- 7Canara Bank2.27%
- 8National Bank For Agriculture And Rural Development2.22%
- 9Small Industries Development Bank Of India2.18%
- 10Jsw Jfe Kalinga Steel Ltd.2.08%
What this fund does
SBI Short Term Debt Fund · Regular · Growth by SBI Mutual Fund is a Short Term fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Short Term category.
About This Fund
SBI Short Term Debt Fund · Regular · Growth is a Short Term mutual fund offered by SBI Mutual Fund. The fund has been operational for over 19 years. It manages assets worth ₹13,649 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL SHORT DURATION DEBT A-II INDEX. The current expense ratio is 0.85%.