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3 star

SBI Short Term Debt Fund - Direct Plan


Debt: Short Duration

1 Lakh

Investment Grown to
₹ 1.04 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.22 Lakh

Suitability:

"Short Duration debt funds invest mainly in bonds maturing in a period of one to three years. They are suitable for investment horizons of one to three years, or for the fixed-income allocation in your longer-term portfolio. You can expect to earn higher returns than what a bank fixed deposit can fetch.

The risk of incurring a loss in these funds is low, but they do not guarantee returns or safety of capital like a bank deposit. There have been instances when short duration funds have incurred losses.

Remember, their returns may not be substantially higher than inflation. They are meant to deliver steady, but low to moderate returns and are not suitable to build wealth in the long run."

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 3.26 0.00 0.07 0.41 0.76 2.18 3.73 8.13 7.27 8.01 --
CCIL T Bill Liquidity Weight 1.88 0.03 0.04 0.17 0.43 1.08 2.05 3.24 3.53 3.99 --
Debt: Short Duration 4.64 0.00 0.08 0.42 1.50 3.05 5.06 7.09 6.64 7.60 --
Rank within category 24 11 17 18 11 15 19 11 11 11 --
Number of funds in category 26 28 28 28 28 27 26 25 23 23 0

As on 03-Dec-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
SBI Short Term Debt Fund - Direct Plan
3 star
Jan-13 3.73 8.13 7.27 0.34% 17,412
ICICI Prudential Short Term Fund - Direct Plan  | Invest Now
5 star
Jan-13 5.09 9.10 7.88 0.37% 20,584
HDFC Short Term Debt Fund - Direct Plan  | Invest Online
4 star
Jan-13 4.82 8.74 7.85 0.24% 19,407
Kotak Bond - Short Term Fund - Direct Plan  | Invest Online
4 star
Jan-13 4.45 8.73 7.65 0.34% 17,142
IDFC Bond Fund Short Term Plan - Direct Plan
4 star
Jan-13 4.03 8.34 7.48 0.30% 12,688

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 2.19 24-Mar-2020 - 31-Mar-2020 -1.63 12-Mar-2020 - 19-Mar-2020
Month 3.49 24-Mar-2020 - 23-Apr-2020 -1.87 20-Feb-2020 - 23-Mar-2020
Quarter 6.02 24-Mar-2020 - 24-Jun-2020 -1.97 20-May-2013 - 19-Aug-2013
Year 11.97 02-Jul-2019 - 01-Jul-2020 3.61 26-Nov-2020 - 26-Nov-2021

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.87 1.92 2.12 3.40 2.35 5.52
CCIL T Bill Liquidity Weight 3.18 0.40 -1.54 -4.30 -- --
Debt: Short Duration 6.96 3.54 1.67 3.05 0.60 3.54
Rank within category 12 13 15 15 23 8
Number of funds in category 25 25 25 25 25 25

The Risk Measures have been calculated using calendar month returns for the last three years.

As on 30-Nov-2021

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 109 134 109 56
Modified Duration (yrs) 2.08 2.74 1.49 --
Average Maturity (yrs) 2.51 3.33 2.08 --
Yield to Maturity (%) 4.76 4.96 4.60 --
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal GOI 22/09/2033 GOI Securities Floating Rate Bond SOV 0.00 - 5.08 5.08
equal 8.35% GOI 2022 GOI Securities SOV 0.00 - 4.11 4.11
equal 6.18% GOI 2024 GOI Securities SOV 2.53 - 6.05 3.78
up 5.63% GOI 2026 GOI Securities SOV 0.00 - 3.74 3.74
up 5.22% GOI 15/06/2025 GOI Securities SOV 2.05 - 8.84 3.51
equal 6.18% Indian Bank Additional Tier 2 Bond AAA 0.00 - 2.87 2.87
equal 8.40% GOI 28/07/2024 Central Government Loan SOV 0.00 - 3.29 2.68
equal 4.26% GOI 17/05/2023 GOI Securities SOV 0.00 - 2.29 2.29
equal Tata Motors 352-D 29/04/2022 Commercial Paper A1+ 0.00 - 2.25 2.25
equal 8.30% Muthoot Finance 2022 Debenture AA+ 0.00 - 1.94 1.94
equal 6.99% Air India Assets Holdings 16/12/2022 Debenture AAA 1.28 - 1.92 1.92
equal 8.80% Tamilnadu State 25/10/2022 State Development Loan SOV 0.00 - 1.75 1.75
equal 5.82% Telangana State 13/05/2024 State Development Loan SOV 0.00 - 1.46 1.46
equal 6.15% L&T Finance 17/05/2023 Debenture AAA 0.00 - 1.45 1.45
down 4.55% LIC Housing Fin. 28/03/2022 Bonds/NCDs AAA 0.00 - 2.41 1.44
equal Export-Import Bank 2021 Certificate of Deposit A1+ 0.00 - 1.43 1.43
equal Reliance Jio Infocomm 16/04/2023 Non Convertible Debenture AAA 0.92 - 1.37 1.37
equal 5.90% M&M Financial Services 31/07/2023 Debenture AAA 0.87 - 1.33 1.33
equal 6.59% Summit Digitel Infrastructure 16/06/2026 Debenture AAA 0.00 - 1.27 1.27
equal 8.83% GOI 25/11/2023 Central Government Loan SOV 0.00 - 1.24 1.24
equal 9.10% India Grid Trust 29/07/2024 Debenture AAA 0.80 - 1.24 1.24
equal 7.80% Nabha Power 23/04/2023 Debenture AAA 0.79 - 1.19 1.19
equal 6.90% Mahindra Rural Housing Finance 15/07/2022 Debenture AA+ 0.76 - 1.16 1.16
equal 5.40% HDFC 2023 Bonds/NCDs AAA 0.00 - 1.15 1.15
equal 6.44% HDFC Bank 27/09/2028 Non Convertible Debenture AAA 0.00 - 1.14 1.14

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Oct-2021


0.00%

Change from previous, NAV as on 03-Dec-2021

Growth: ₹ 26.9296

IDCW Weekly: ₹ 11.7959

More

IDCW Monthly: ₹ 15.0476

IDCW Fortnightly: ₹ 18.1386


Investment Strategy

The scheme seeks to provide investors an opportunity to generate regular income through investments in a portfolio comprising predominantly of debt instruments which are rated not below investment grade and money market instruments such that the Macaulay duration of the portfolio is between 1 year and 3 years.

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 1,000
Lock-in Period Not Applicable
Exit Load 0

Basic Details

Fund House: SBI Mutual Fund
Launch Date: 01-Jan-2013
Return Since Launch: 8.30%
Benchmark: CRISIL Short-Term Bond Index
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 17,412 Cr (As on 31-Oct-2021)
Expense: 0.34% (As on 31-Oct-2021)
Risk Grade: Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Weekly27-Mar-20200.0244

 06-Mar-20200.0116
 28-Feb-20200.0121
 20-Feb-20200.0108
 14-Feb-20200.0105
 07-Feb-20200.0123
 31-Jan-20200.0108
 24-Jan-20200.0188
 17-Jan-20200.0092
 10-Jan-20200.0132
 03-Jan-20200.0169
 27-Dec-20190.0062
 20-Dec-20190.0218
 06-Dec-20190.0057
 29-Nov-20190.0116
 22-Nov-20190.0118
 15-Nov-20190.0116
 08-Nov-20190.0121
 01-Nov-20190.0096
 25-Oct-20190.0129
 18-Oct-20190.0230
 11-Oct-20190.0150
 04-Oct-20190.0226
 27-Sep-20190.0037
 06-Sep-20190.0092
IDCW Monthly28-Feb-20200.0360

 31-Jan-20200.0360
 27-Dec-20190.0360
 29-Nov-20190.0360
 25-Oct-20190.0360
 27-Sep-20190.0360
 30-Aug-20190.0360
 26-Jul-20190.0360
 28-Jun-20190.0360
 31-May-20190.0360
 30-Apr-20190.0360
 29-Mar-20190.0360
 28-Feb-20190.0360
 31-Jan-20190.0360
 28-Dec-20180.0360
 30-Nov-20180.0360
 31-Oct-20180.0360
 28-Sep-20180.0360
 31-Aug-20180.0360
 31-Jul-20180.0432
 27-Apr-20180.0288
 23-Mar-20180.0289
 28-Feb-20180.0289
 31-Jan-20180.0433
 29-Dec-20170.0433
IDCW Fortnightly21-Nov-20140.0246

 07-Nov-20140.0535
 22-Oct-20140.0490
 10-Oct-20140.0323
 26-Sep-20140.6014
 06-Dec-20130.0431
 22-Nov-20130.0187
 25-Oct-20130.0146
 11-Oct-20130.0709
 27-Sep-20130.0252
 05-Jul-20130.0005
 07-Jun-20130.0172
 24-May-20130.0568
 10-May-20130.0587
 26-Apr-20130.0506
 12-Apr-20130.0438
 28-Mar-20130.0467
 15-Mar-20130.0502
 01-Mar-20130.0179

Contact Information

AMC: SBI Funds Management Ltd

Address: 9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai - 400051

Phone: 022-61793000 / 1800-425-5425

Fax: 022-22189663

Email: [email protected]

Website: http://www.sbimf.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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