SBI Short Term Debt Fund · Regular · Growth
NAV
₹34.0991
as of 28 Sept 2026
Expense Ratio
0.85%
AUM
₹14,001 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.48%
- 3Y
- +6.71%
- 5Y
- +5.84%
- Since Inception
- +6.61%
SIP returns (XIRR)
- 1Y
- +4.29%
- 3Y
- +6.09%
- 5Y
- +6.29%
- Since Inception
- +6.96%
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 (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,26,579 today — ₹6,00,000 invested, 6.3% XIRR.
₹6,00,000
Invested
₹8,26,579
Value today
6.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,87,432 today (6.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹10,47,739.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,49,460 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-0.80
Sharpe Ratio
—
Alpha
—
Beta
-0.82
Sortino
1.13%
Std Dev
-0.52%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust)4.34%
- 2National Bank For Agriculture And Rural Development3.70%
- 36.94% Cgl 20362.79%
- 4Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust)2.73%
- 57.31% State Government Of Karnataka 20332.59%
- 67.43% State Government Of Gujarat 20352.58%
- 7Rec Ltd.2.41%
- 8National Bank For Agriculture And Rural Development2.20%
- 9Small Industries Development Bank Of India2.17%
- 10Jsw Kalinga Steel Ltd.2.04%
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 ₹14,001 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%.