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SBI Short Term Debt Fund

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Debt: Short Duration

1 Lakh

Investment Grown to
₹ 1.10 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.26 Lakh

Analyst's Choice?

Suitability:

Short Duration debt funds are suitable to invest your money for a duration of 1 year to 3 years. You can expect to earn higher returns than what a bank fixed deposit of a similar duration can fetch.

The risk of incurring a loss in these funds over the said time frame 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, these are suitable only to invest for a short time frame of up to 3 years. Do not invest in this, or any other Short Duration fund, if your aim is 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 paid by the mutual fund scheme are taxed at the rate of 25% (effectively 29.12%, including surcharge and cess). This is known as Dividend Distribution Tax (DDT).Though the investor does not pay this tax directly, it is deducted from the dividend income before passing on to the investor.

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Annual Returns
Quarterly Returns
Monthly Returns
Weekly Returns

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(₹)
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cal

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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 1.79 0.05 0.21 1.46 2.36 4.95 10.24 7.45 7.97 8.27 8.21
CCIL T Bill Liquidity Weight 0.45 0.00 0.04 0.33 0.88 1.81 4.08 4.15 4.44 4.78 4.70
Debt: Short Duration 1.53 0.05 0.22 1.29 2.09 3.59 5.51 5.76 6.70 7.40 7.64
Rank within category 12 16 18 14 16 10 5 8 7 7 3
Number of funds in category 29 29 29 29 29 29 29 26 26 25 20

As on 14-Feb-2020

Best & Worst Performance

Best (Period) Worst (Period)
Week 1.18 (29-Aug-2013 - 05-Sep-2013) -1.24 (10-Jul-2013 - 17-Jul-2013)
Month 2.50 (20-Aug-2013 - 19-Sep-2013) -1.55 (24-Jun-2013 - 24-Jul-2013)
Quarter 3.78 (09-May-2019 - 08-Aug-2019) -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 6.84 1.59 0.73 1.43 4.07 7.70
CCIL T Bill Liquidity Weight 4.06 0.27 -6.06 -10.48 -- --
Debt: Short Duration 5.33 3.02 0.27 0.71 3.43 5.17
Rank within category 8 9 10 8 20 3
Number of funds in category 27 27 27 27 27 27

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

As on 31-Jan-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 139 142 106 56
Modified Duration (yrs) 2.06 2.43 1.44 --
Average Maturity (yrs) 2.51 3.09 1.77 --
Yield to Maturity (%) 7.03 8.20 6.89 --

Value Research Fund Style*

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
new 8.89% Tamilnadu State 2022 State Development Loan SOV 0.00 - 2.63 2.63
equal 8.39% State Bank of India 25/10/2024 Bonds/Debentures AA+ 0.00 - 3.41 2.59
down 6.99% Air India Assets Holdings 16/12/2022 Debenture AAA 0.00 - 2.83 2.46
equal 8.00% Shriram Transport Finance 2020 Debenture AA+ 2.46 - 3.71 2.46
down Reliance Jio Infocomm 16/04/2023 Non Convertible Debenture AAA 0.00 - 2.55 2.18
new 8.25% Gujarat State 24/12/2024 State Development Loan SOV 0.00 - 2.09 2.09
equal 8.35% REC 13/03/2022 Debenture AAA 0.00 - 3.04 2.07
equal 8.50% LIC Housing Fin. 20/06/2022 Non Convertible Debenture AAA 0.00 - 3.22 2.03
equal 7.61% HUDCO 22/06/2022 Debenture AAA 0.00 - 2.45 2.02
equal 9.10% India Grid Trust 29/07/2024 Debenture AAA 0.00 - 2.76 2.02
equal 7.94% Chhattisgarh State 16/01/2023 State Development Loan SOV 0.00 - 2.04 1.95
equal 8.65% Karnataka State 25/01/2022 State Development Loan SOV 0.00 - 2.75 1.81
new 7.65% Axis Bank 30/01/2027 Non Convertible Debenture AAA 0.00 - 1.73 1.73
equal 7.99% State Bank of India 28/06/2029 Non Convertible Debenture AAA 0.00 - 1.61 1.54
equal ONGC Petro Additions 2021 Debenture AAA 0.00 - 1.85 1.49
equal 7.03% LIC Housing Fin. 28/12/2021 Non Convertible Debenture AAA 0.00 - 1.55 1.48
equal 8.02% Larsen & Toubro 22/05/2022 Non Convertible Debenture AAA 0.00 - 2.86 1.48
equal 8.90% State Bank of India 2028 Non Convertible Debenture AAA 1.33 - 2.04 1.46
new 7.45% LIC Housing Fin. 2023 Non Convertible Debenture AAA 0.00 - 1.44 1.44
equal 7.28% Power Finance Corp. 2022 Bonds AAA 1.43 - 2.23 1.43
equal 7.87% HDFC 18/07/2022 Non Convertible Debenture AAA 0.00 - 1.88 1.38
equal 8.81% SIDBI 25/01/2022 Debenture AAA 1.35 - 2.82 1.35
equal 8.46% HUDCO 15/02/2022 Non Convertible Debenture AAA 1.34 - 2.03 1.34
equal 7.85% National Bank Agr. Rur. Devp 23/05/2022 Non Convertible Debenture AAA 0.00 - 1.62 1.32
equal 9.10% India Grid Trust 2022 Debenture AAA 0.00 - 1.41 1.26

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-Jan-2020

*As on 31-Dec-2019

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:

0.05%

Change from previous, NAV as on 14-Feb-2020

Growth: ₹ 23.2589

Dividend Weekly: ₹ 10.6349

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Dividend Monthly: ₹ 12.9085

Dividend Fortnightly: ₹ 10.5932

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: 8.00%
Benchmark: CRISIL Short-Term Bond
Riskometer: Moderately Low
Type: Open-ended
Assets: ₹ 10,101 Cr (As on 31-Jan-2020)
Expense: 0.84% (As on 31-Dec-2019)
Risk Grade: Below Average
Return Grade: Average

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
Dividend Fortnightly07-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
 08-Mar-20190.0366
 22-Feb-20190.0188
Dividend Weekly07-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
 30-Aug-20190.0117
 23-Aug-20190.0369
 09-Aug-20190.0165
 02-Aug-20190.0260
 26-Jul-20190.0118
Dividend Monthly31-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
 30-Nov-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: 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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