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4 star

SBI Short Term Debt Fund


Debt: Short Duration

1 Lakh

Investment Grown to
₹ 1.10 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.26 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 7.20 -0.10 0.05 0.67 3.45 5.74 10.46 7.94 8.30 8.66 8.51
CCIL T Bill Liquidity Weight 2.20 0.01 0.05 0.18 0.64 1.81 3.71 4.06 4.27 4.78 4.78
Debt: Short Duration 6.43 -0.08 0.07 0.66 3.91 5.10 8.61 6.09 7.10 7.85 7.94
Rank within category 11 25 20 11 17 13 10 7 6 8 5
Number of funds in category 27 27 27 27 27 27 27 24 24 23 21

As on 06-Aug-2020

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
4 star
Jul-07 10.46 7.94 8.30 0.84 14,777
ICICI Prudential Short Term Fund  | Invest Now
4 star
Oct-01 11.05 7.94 8.66 1.15 15,234
HDFC Short Term Debt Fund  | Invest Online
5 star
Jun-10 11.44 8.74 8.70 0.74 12,737
IDFC Bond Fund Short Term Plan - Regular Plan
4 star
Dec-00 10.58 8.24 8.23 0.80 12,716
Kotak Bond - Short Term Regular Fund  | Invest Online
4 star
May-02 10.43 8.03 8.24 1.14 11,858

Best & Worst Performance

Best (Period) Worst (Period)
Week 2.18 (24-Mar-2020 - 31-Mar-2020) -1.64 (12-Mar-2020 - 19-Mar-2020)
Month 3.45 (24-Mar-2020 - 23-Apr-2020) -1.92 (20-Feb-2020 - 23-Mar-2020)
Quarter 5.88 (24-Mar-2020 - 24-Jun-2020) -2.02 (20-May-2013 - 19-Aug-2013)
Year 11.80 (17-May-2012 - 17-May-2013) 3.72 (25-Sep-2017 - 25-Sep-2018)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 7.79 1.77 1.45 2.90 1.79 4.70
CCIL T Bill Liquidity Weight 4.03 0.29 -4.08 -7.51 -- --
Debt: Short Duration 6.14 3.46 0.78 1.62 0.40 1.39
Rank within category 8 8 7 7 22 3
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 31-Jul-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 127 153 115 57
Modified Duration (yrs) 2.78 2.78 1.89 --
Average Maturity (yrs) 3.38 3.41 2.25 --
Yield to Maturity (%) 5.53 7.56 5.53 --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 7.27% GOI 2026 GOI Securities SOV 0.00 - 11.31 11.00
new 7.59% GOI 2026 GOI Securities SOV 0.00 - 4.35 4.35
down 6.18% GOI 2024 GOI Securities SOV 0.00 - 4.39 4.11
equal 8.20% Gujarat State 2025 State Development Loan SOV 0.00 - 4.50 3.77
new 5.79% GOI 2030 GOI Securities SOV 0.00 - 3.02 3.02
equal 6.99% Air India Assets Holdings 16/12/2022 Debenture AAA 0.00 - 2.83 2.29
equal 8.15% GOI 24/11/2026 Central Government Loan SOV 0.00 - 2.35 2.29
new 6.82% Rajasthan State 18/09/2024 State Development Loan SOV 0.00 - 2.13 2.13
equal Reserve Bank of India 84-D 20/08/2020 Treasury Bills SOV 0.00 - 2.09 2.02
equal 8.39% State Bank of India 25/10/2024 Bonds/Debentures AA+ 0.69 - 3.41 1.81
equal 7.40% Reliance Industries 25/04/2025 Non Convertible Debenture AAA 0.00 - 1.96 1.75
equal Reliance Jio Infocomm 16/04/2023 Non Convertible Debenture AAA 0.00 - 2.55 1.65
equal 8.25% Gujarat State 24/12/2024 State Development Loan SOV 0.00 - 2.09 1.50
equal 8.35% REC 13/03/2022 Debenture AAA 1.44 - 2.84 1.44
equal 8.50% LIC Housing Fin. 20/06/2022 Non Convertible Debenture AAA 1.43 - 3.06 1.43
equal 7.61% HUDCO 22/06/2022 Debenture AAA 1.42 - 2.45 1.42
equal 6.55% NTPC 17/04/2023 Debenture AAA 0.00 - 1.60 1.41
equal 7.80% Nabha Power 23/04/2023 Debenture AAA 0.00 - 1.56 1.38
equal 9.10% India Grid Trust 29/07/2024 Debenture AAA 1.38 - 2.76 1.38
new Reserve Bank of India 182-D 24/09/2020 Treasury Bills SOV 0.00 - 1.34 1.34
equal 8.18% Power Finance Corp. 19/03/2022 Debenture AAA 1.09 - 1.49 1.11
new 6.19% Mahindra & Mahindra 2025 Debenture AAA 0.00 - 1.05 1.05
equal 8.02% Larsen & Toubro 22/05/2022 Non Convertible Debenture AAA 1.03 - 2.48 1.03
down 7.94% Chhattisgarh State 16/01/2023 State Development Loan SOV 0.00 - 2.04 1.02
equal ONGC Petro Additions 2021 Debenture AAA 0.00 - 1.85 1.02

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 30-Jun-2020

Fund Manager

— Rajeev Radhakrishnan since 09-Jun-2008

Education: Mr. Radhakrishnan is B.E (Production), MMS (Finance) and CFA.

Experience: Prior to joining SBI AMC he has worked with UTI Asset Management Company Ltd.

Funds Managed:


-0.10%

Change from previous, NAV as on 06-Aug-2020

Growth: ₹ 24.4953

Dividend Weekly: ₹ 11.1063

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Dividend Monthly: ₹ 13.5426

Dividend Fortnightly: ₹ 11.0953


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
Exit Load 0

Basic Details

Fund House: SBI Mutual Fund
Launch Date: 27-Jul-2007
Return Since Launch: 8.15%
Benchmark: CRISIL Short-Term Bond
Riskometer: Moderately Low
Type: Open-ended
Assets: ₹ 14,777 Cr (As on 30-Jun-2020)
Expense: 0.84% (As on 30-Jun-2020)
Risk Grade: Below Average
Return Grade: Above Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Weekly27-Mar-20200.0223

 06-Mar-20200.0109
 28-Feb-20200.0113
 20-Feb-20200.0101
 14-Feb-20200.0098
 07-Feb-20200.0115
 31-Jan-20200.0101
 24-Jan-20200.0153
 17-Jan-20200.0085
 10-Jan-20200.0125
 03-Jan-20200.0162
 27-Dec-20190.0057
 20-Dec-20190.0215
 06-Dec-20190.0066
 29-Nov-20190.0109
 22-Nov-20190.0111
 15-Nov-20190.0108
 08-Nov-20190.0114
 01-Nov-20190.0090
 25-Oct-20190.0106
 18-Oct-20190.0210
 11-Oct-20190.0143
 04-Oct-20190.0219
 27-Sep-20190.0043
 06-Sep-20190.0086
Dividend Fortnightly06-Mar-20200.0221

 20-Feb-20200.0199
 07-Feb-20200.0215
 24-Jan-20200.0232
 10-Jan-20200.0183
 27-Dec-20190.0252
 13-Dec-20190.0191
 29-Nov-20190.0219
 15-Nov-20190.0221
 01-Nov-20190.0195
 18-Oct-20190.0218
 04-Oct-20190.0200
 20-Sep-20190.0192
 06-Sep-20190.0202
 23-Aug-20190.0206
 09-Aug-20190.0267
 26-Jul-20190.0230
 12-Jul-20190.0223
 28-Jun-20190.0195
 14-Jun-20190.0206
 31-May-20190.0471
 17-May-20190.0462
 03-May-20190.0028
 05-Apr-20190.0190
 22-Mar-20190.0406
Dividend 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

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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