SBI Short Term Debt Fund · Regular · Growth
NAV
₹33.9700
as of 15 Jul 2026
Expense Ratio
0.85%
AUM
₹16,916 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.93%
- 3Y
- +6.97%
- 5Y
- +5.99%
- Since Inception
- +6.66%
SIP returns (XIRR)
- 1Y
- +5.35%
- 3Y
- +6.72%
- 5Y
- +6.60%
- Since Inception
- +7.04%
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 (Jul 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,31,888 today — ₹6,00,000 invested, 6.5% XIRR.
₹6,00,000
Invested
₹8,31,888
Value today
6.5%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Jul 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,90,440 today (6.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2016 would still hold ₹10,72,511.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Jul 2016 – Jul 2026) (22 Mar 2020) would be ₹1,48,816 today (1.49×).
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, annualised0.44
Sharpe Ratio
—
Alpha
—
Beta
0.48
Sortino
1.12%
Std Dev
-0.52%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Treps5.80%
- 2Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust)4.22%
- 3National Bank For Agriculture And Rural Development3.59%
- 4Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust)2.64%
- 57.31% State Government Of Karnataka 20332.48%
- 68.32% State Government Of Rajasthan 20292.22%
- 77.17% Cgl 20302.20%
- 8Mindspace Business Parks Reit2.17%
- 9Net Receivable / Payable2.16%
- 10Small Industries Development Bank Of India2.16%
Investment Objective
SBI Short Term Debt Fund · Regular · Growth by SBI Mutual Fund is a Short Duration 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 Duration category.
About This Fund
SBI Short Term Debt Fund · Regular · Growth is a Short Duration mutual fund offered by SBI Mutual Fund. The fund has been operational for over 18 years. It manages assets worth ₹16,916 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%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations