SBI Dynamic Bond Fund-Growth

Q: What are the returns of SBI Dynamic Bond Fund?

The SBI Dynamic Bond Fund is a 21 yrs 8 m old fund and has delivered average annual returns of 6.06% since inception. SBI Dynamic Bond Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 5.8% 7.39% 5.51% 7.43% 6.06%

NAV as of Sep 03, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹35.64+0.13% 1 day change	6.06% p.a.	App exclusive #NA View Ranked Funds	₹3,560 Cr

Historical NAV & returns

NAV: ₹35.64 as on Sep 03, 2025

This fund Category average

SBI Dynamic Bond Fund overview

Expense ratio	1.42% as on Aug 31, 2025
Plan type	Regular
Exit load	0.25% For units in excess of 10% of the investment, 0.25% will be charged for redemption within 1 month!
AUM (Fund size)	₹3,560 Cr
Lock-in Period	Nil
Age	21 yrs 8 m since Dec 15, 2003
Benchmark	CRISIL Dynamic Bond A-III Index
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

SBI Dynamic Bond Fund Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Sep 04, 2025

Period	This fund	Category average
1 Month	-0.73%	-1.14%
3 Months	-1.32%	-1.41%
6 Months	3.5%	3.3%
1 Year	5.8%	5.86%
2 Years	7.2%	7.21%
3 Years	7.39%	6.86%
4 Years	6.06%	5.79%
5 Years	5.51%	5.52%
7 Years	7.51%	6.72%
10 Years	7.43%	6.81%

Asset allocationas on May 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

SOV 69.36%

AAA 27.9%

Cash & Call Money 2.48%

Others 0.26%

Top Debt Holdings

GOI 49.99%

Maharashtra State 7.03%

Karnataka State 4.54%

Summit Digitel Infrastructure Pvt. Ltd. 4.53%

Allocation by Instruments

Bifurcation by Instrument is not available for this fund

Other Holdings

Others 0.26%

Detailed portfolio analysis

Peer comparison

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Dynamic Bond Fund	N.A.	3,560 Cr	21 yrs 8 m	1.42%
ICICI Prudential All Seasons Bond Fund	N.A.	14,981 Cr	16 yrs 4 m	1.28%
PGIM India Dynamic Bond Fund	N.A.	120 Cr	13 yrs 8 m	1.64%
JM Dynamic Bond Fund	N.A.	47 Cr	22 yrs 2 m	0.98%
360 ONE Dynamic Bond Fund	N.A.	686 Cr	12 yrs 3 m	0.52%
HSBC Dynamic Bond Fund	N.A.	185 Cr	19 yrs	0.78%

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Dynamic Bond Fund	-0.73%	3.5%	5.8%	7.39%	5.51%	7.43%
ICICI Prudential All Seasons Bond Fund	-0.58%	3.98%	7.6%	7.6%	6.46%	8.07%
PGIM India Dynamic Bond Fund	-1.1%	2.98%	5.54%	6.6%	5.02%	6.86%
JM Dynamic Bond Fund	-0.84%	4.11%	7.28%	7.04%	5.6%	6.6%
360 ONE Dynamic Bond Fund	-0.69%	4.16%	8.1%	7.72%	6.78%	6.99%
HSBC Dynamic Bond Fund	-1.13%	3.43%	6.08%	6.8%	5.06%	6.84%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Dynamic Bond Fund	2.5	1.41	0.33	0.5
ICICI Prudential All Seasons Bond Fund	1.38	0.76	0.72	0.96
PGIM India Dynamic Bond Fund	2.35	1.36	-0.01	-0.01
JM Dynamic Bond Fund	2.1	1.17	0.25	0.42
360 ONE Dynamic Bond Fund	1.95	1.08	0.6	0.91
HSBC Dynamic Bond Fund	2.43	1.39	0.09	0.14

View all Dynamic Bond funds

Key risk & return ratios Compared to other funds in the category

Alpha	0.3 vs. 1.96 Underperformed at beating benchmark
Sharpe	0.33 vs. 2.04 Poor risk-adjusted returns
Beta	1.41 vs. 0.65 More sensitive to market's ups & downs
Standard deviation	2.5 vs. 2.44 More volatile performance

Compare SBI Dynamic Bond Fund in detail with

About this fund

About SBI Dynamic Bond Fund

SBI Dynamic Bond Fund-Growth is a Dynamic Bond mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 21 yrs 8 m, having been launched on 15/12/2003. SBI Dynamic Bond Fund-Growth has ₹3,560 Crores worth of assets under management (AUM) as on 31/05/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of SBI Dynamic Bond Fund-Growth as of 03/09/2025 is ₹35.64. The fund has an expense ratio of 1.42%, which is higher than what most other Dynamic Bond funds charge.

SBI Dynamic Bond Fund-Growth returns of last 1-year are 5.95%. Since launch, it has delivered 6.07% average annual returns. The fund has doubled the money invested in it every 10 yrs.
SBI Dynamic Bond Fund-Growth scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is above average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to better borrowers and hence the risk of default in this fund is higher than the category.
The fund's top holdings are in GOI, Maharashtra State, Karnataka State, Summit Digitel Infrastructure Pvt. Ltd., Power Finance Corporation Ltd..

...

Fund AUM	3,560 Cr as on May 31, 2025
Scheme document	View Scheme Document

Fund managers

Sudhir Agrawal

Mr.Sudhir Agrawal is a M.Com, PGDBA (Finance) and a CFA. Prior to joining SBI MF he has worked with UTI MF, TATA Asset Management Ltd., Tramp Value Pvt. Ltd. and CARE Ratings.

Investment objective

The scheme seeks to provide investors attractive returns through investment in an actively managed portfolio of high quality debt securities of varying maturities.

SBI Mutual Fund details

No. of schemes	71 view all schemes
Total AUM	11,45,315 Cr as on Jun 30, 2025
Address	9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai, 400051
Phone	022-61793000 / 1800-425-5425

More funds from SBI Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
SBI Credit Risk Fund	N.A.	2,245 Cr	8.14%	7.94%
SBI Magnum Constant Maturity Fund	N.A.	1,944 Cr	7.31%	7.54%
SBI Magnum Medium Duration Fund	N.A.	6,580 Cr	7.59%	7.38%
SBI Magnum Gilt Fund	N.A.	12,573 Cr	4.84%	7.33%
SBI Banking and PSU Fund	N.A.	4,074 Cr	7.77%	7.08%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of SBI Dynamic Bond Fund?

The current Net Asset Value (NAV) of the SBI Dynamic Bond Fund - Direct Growth plan is approximately ₹35.64 as of Sep 03, 2025.

What are the returns of this mutual fund scheme?

The SBI Dynamic Bond Fund is a 21 yrs 8 m old fund and has delivered average annual returns of 6.06% since inception.

SBI Dynamic Bond Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
5.8%	7.39%	5.51%	7.43%	6.06%

How much does this mutual fund charge as expense ratio?

The SBI Dynamic Bond Fund - Direct Growth has an expense ratio of 1.42%, which reflects the fund's management and operating costs. This percentage is subtracted from the fund's annual returns, impacting net returns for investors.

What is the AUM or fund size of this mutual fund?

The SBI Dynamic Bond Fund currently has assets under management (AUM) or fund size valued at approximately 3,560 Cr as on May 31, 2025.

To whom does SBI Dynamic Bond Fund lend to?

The top 3 debt holdings of SBI Dynamic Bond Fund are as follows

Holding Name	Percentage of Portfolio
GOI	49.99%
Maharashtra State	7.03%
Karnataka State	4.54%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The SBI Dynamic Bond Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	69.36%
AAA	27.9%
Cash & Call Money	2.48%

What is risk level of SBI Dynamic Bond Fund?

This is a Dynamic Bond fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

No, this fund does not have any lock-in period.

How do I invest in SBI Dynamic Bond Fund?

SBI Dynamic Bond Fund-Growth is the regular plan of the fund. For this plan of you pay 1.42% as annual charges. On the other hand if you go for the direct plan available on ET Money, you pay 0.63%. That's 0.7899999999999999% less.

Regular plans charge more because when you buy them, the fund pays commission to the agent. This is an additional expense for the fund and to cover this expense, the fund takes a bigger share from the returns generated by your investments.

So, the lower annual cost of the direct plan means you will earn 0.7899999999999999% if you opt for direct plan of SBI Dynamic Bond Fund

How can I redeem my investments in SBI Dynamic Bond Fund?

Redeeming your investments in SBI Dynamic Bond Fund is super easy. If you have invested in this fund via ET Money, just login into the app, go to the investment section and put the redemption request.

If you have invested in SBI Dynamic Bond Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Dynamic Bond

#NA

Return Consistency: This fund is one of the best in generating consistent return in it's category.
Return Outperformance: This fund has generated highest return amongst Dynamic Bond funds in the last 10 Years.
Return/Risk: The fund is performing poorly than its category.
Exit Load: For units in excess of 10% of the investment, 0.25% will be charged for redemption within 1 month