SBI Low Duration Fund Direct-Growth

Q: What are the returns of this mutual fund scheme?

The SBI Low Duration Fund Direct-Growth is a 13 yrs 1 m old fund and has delivered average annual returns of 7.41% since inception. SBI Low Duration Fund Direct-Growth Returns 1-Year 3-Year 5-Year 10-Year Since Inception 7.22% 7.49% 6.25% 6.95% 7.41%

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹3763.2553+0.04% 1 day change	7.41% p.a.	App exclusive #NA View Ranked Funds	₹16,163 Cr

Historical NAV & returns

NAV: ₹3763.2553 as on Feb 02, 2026

This fund Category average

SBI Low Duration Fund overview

Expense ratio	0.43% as on Feb 02, 2026
Exit load	0%
AUM (Fund size)	₹16,163 Cr
Lock-in Period	Nil
Age	13 yrs 1 m since Jan 01, 2013
Benchmark	CRISIL Low Duration Debt A-I 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 Low Duration 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 Feb 03, 2026

Period	This fund	Category average
1 Month	0.26%	0.24%
3 Months	1.18%	1.07%
6 Months	2.65%	2.56%
1 Year	7.22%	7.07%
2 Years	7.49%	7.46%
3 Years	7.49%	7.49%
4 Years	6.84%	6.88%
5 Years	6.25%	6.32%
7 Years	6.66%	6.55%
10 Years	6.95%	6.96%

Asset allocationas on Dec 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

A1+ 34.43%

AAA 33.08%

SOV 19.54%

AA+ 8.46%

Top Debt Holdings

HDFC Bank Ltd. 6.01%

Reserve Bank of India 5.37%

Chhattisgarh State 5.3%

Bank Of Baroda 3.52%

Allocation by Instruments

Certificate of Deposit 25.929999999999993%

Debenture 25.220000000000002%

Commercial Paper 8.5%

State Development Loan 7.449999999999999%

Other Holdings

Others 0.26%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Low Duration Fund	0.26%	2.65%	7.22%	7.49%	6.25%	6.95%
Sundaram Low Duration Fund	0.22%	2.65%	7.17%	7.5%	7.89%	6.51%
Mirae Asset Low Duration Fund	0.23%	2.77%	7.37%	7.56%	6.31%	6.64%
Mahindra Manulife Low Duration Fund	0.24%	2.77%	7.35%	7.63%	6.39%	6.15%
LIC MF Low Duration Fund	0.23%	2.7%	7.19%	7.44%	6.18%	6.67%
HDFC Low Duration Fund	0.23%	2.73%	7.45%	7.75%	6.53%	7.33%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Low Duration Fund	0.45	0.62	2.48	3.74
Sundaram Low Duration Fund	0.47	0.69	2.38	3.46
Mirae Asset Low Duration Fund	0.43	0.65	2.72	3.67
Mahindra Manulife Low Duration Fund	0.42	0.61	2.91	4.0
LIC MF Low Duration Fund	0.46	0.66	2.34	3.48
HDFC Low Duration Fund	0.48	0.64	2.83	4.04

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Low Duration Fund	N.A.	16,163 Cr	13 yrs 1 m	0.43%
Sundaram Low Duration Fund	N.A.	472 Cr	13 yrs 1 m	0.4%
Mirae Asset Low Duration Fund	N.A.	2,562 Cr	13 yrs 1 m	0.16%
Mahindra Manulife Low Duration Fund	N.A.	599 Cr	8 yrs 11 m	0.33%
LIC MF Low Duration Fund	N.A.	1,938 Cr	13 yrs 1 m	0.25%
HDFC Low Duration Fund	N.A.	24,647 Cr	13 yrs 1 m	0.46%

View all Low Duration funds

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

Alpha	2.27 vs. 3.23 Underperformed at beating benchmark
Sharpe	2.48 vs. 3.26 Poor risk-adjusted returns
Beta	0.62 vs. 1.58 Less sensitive to market ups & downs
Standard deviation	0.45 vs. 0.37 More volatile performance

About this fund

About SBI Low Duration Fund

SBI Low Duration Fund Direct-Growth is a Low Duration mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 13 yrs 1 m, having been launched on 01/01/2013. SBI Low Duration Fund Direct-Growth has ₹16,163 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of SBI Low Duration Fund Direct-Growth as of 02/02/2026 is ₹3763.26. The fund has an expense ratio of 0.43%, which is higher than what most other Low Duration funds charge.

SBI Low Duration Fund Direct-Growth returns of last 1-year are 7.24%. Since launch, it has delivered 7.41% average annual returns. The fund has doubled the money invested in it every 11 yrs.
SBI Low Duration Fund Direct-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 average.
The fund's credit profile is high indicating it has lent to borrowers whose quality is great. 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 HDFC Bank Ltd., Reserve Bank of India, Chhattisgarh State, Bank Of Baroda, Radhakrishna Securitisation Trust.

...

Fund AUM	16,163 Cr as on Dec 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 an opportunity to generate regular income with reasonable degree of liquidity through investments in debt and money market instruments in such a manner that the Macaulay duration of the portfolio is between 6 months and 12 months.

SBI Mutual Fund details

No. of schemes	72 view all schemes
Total AUM	12,63,745 Cr as on Dec 31, 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.	2,175 Cr	7.97%	8.66%
SBI CRISIL IBX Gilt Index - June 2036 Fund	N.A.	2,737 Cr	5.83%	8.11%
SBI CRISIL IBX Gilt Index - April 2029 Fund	N.A.	2,038 Cr	7.9%	8.1%
SBI Medium Duration Fund	N.A.	6,889 Cr	7.18%	7.92%
SBI Floating Rate Debt Fund	N.A.	750 Cr	6.99%	7.73%
SBI CRISIL IBX SDL Index - September 2027 Fund	N.A.	998 Cr	7.52%	7.73%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of SBI Low Duration Fund Direct-Growth?

The current Net Asset Value (NAV) of the SBI Low Duration Fund - Direct Growth plan is approximately ₹3763.2553 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The SBI Low Duration Fund Direct-Growth is a 13 yrs 1 m old fund and has delivered average annual returns of 7.41% since inception.

SBI Low Duration Fund Direct-Growth Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
7.22%	7.49%	6.25%	6.95%	7.41%

How much does this mutual fund charge as expense ratio?

The SBI Low Duration Fund - Direct Growth has an expense ratio of 0.43%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

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

The SBI Low Duration Fund currently has assets under management (AUM) or fund size valued at approximately 16,163 Cr as on Dec 31, 2025.

To whom does SBI Low Duration Fund lend to?

The top 3 debt holdings of SBI Low Duration Fund are as follows

Holding Name	Percentage of Portfolio
HDFC Bank Ltd.	6.01%
Reserve Bank of India	5.37%
Chhattisgarh State	5.3%

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 Low Duration Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
A1+	34.43%
AAA	33.08%
SOV	19.54%

What is risk level of SBI Low Duration Fund?

This is a Low Duration 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 Low Duration Fund Direct-Growth?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for SBI Low Duration Fund - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the SBI Low Duration Fund is complete.

How can I redeem my investments in SBI Low Duration Fund?

Redeeming your investments in the SBI Low Duration Fund is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

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

ET Money rank

App exclusive

in Low Duration

#NA

Return/Risk: For every unit of risk this fund takes, it produces 20% more returns.
Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.