SBI Short Term Debt Fund Direct-Growth

Q: What are the returns of SBI Short Term Debt Fund?

The SBI Short Term Debt Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 7.94% since inception. SBI Short Term Debt Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 10.1% 8.06% 6.62% 7.67% 7.94%

NAV as of Jun 05, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹34.2007+0.02% 1 day change	7.94% p.a.	#NA View Ranked Funds	₹13,350 Crs

Historical NAV & returns

NAV: ₹34.2007 as on Jun 05, 2025

This fund Category average

SBI Short Term Debt Fund overview

Expense ratio	0.4% as on May 31, 2025
Exit load	0% Exit load of 0.25% shall be applicable if units are redeemed within 75 days from the date of allotment.!
AUM (Fund size)	₹13,350 Crs
Lock-in	No Lockin
Age	12 yrs 5 m since Jan 01, 2013
Benchmark	CRISIL Short Duration Debt A-II Index
Min. investment	SIP ₹500 & Lump. ₹5000
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

SBI Short Term Debt 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 Jun 06, 2025

Period	This fund	Category average
1 Month	1.09%	1.06%
3 Months	3.7%	3.67%
6 Months	5.46%	5.4%
1 Year	10.1%	10.15%
2 Years	8.52%	8.58%
3 Years	8.06%	8.29%
4 Years	6.7%	7.21%
5 Years	6.62%	7.22%
7 Years	7.59%	7.45%
10 Years	7.67%	7.6%

Asset allocationas on Dec 31, 2024

Large Cap 0.0%

Mid Cap 0.0%

Small Cap 0.0%

Other Cap 0.0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

AAA 51.4186565%

SOV 32.37085895%

AA+ 7.74847672%

AA 5.17951243%

Top Debt Holdings

GOI 25.37%

Karnataka State 5.13%

Mindspace Business Parks REIT 4.86%

India Universal Trust AL1 4.55%

Allocation by Instruments

Debenture 53.14555588999999%

GOI Securities 25.364355330000002%

Cash Margin 13.10847034%

State Development Loan 7.00650362%

Other Holdings

Others 13.11%

Peer comparison

Fund name	ETM Rank	AUM (in Crs.)	Fund age	Expense ratio
SBI Short Term Debt Fund	N.A.	₹13,350 Crs	12 yrs 5 m	0.4%
ICICI Prudential Short Term Fund	N.A.	₹20,969 Crs	12 yrs 5 m	0.45%
UTI Short Duration Fund	N.A.	₹2,791 Crs	12 yrs 5 m	0.36%
Sundaram Short Duration Fund	N.A.	₹218 Crs	12 yrs 5 m	0.3%
Aditya Birla Sun Life Short Term Fund	N.A.	₹8,343 Crs	12 yrs 5 m	0.36%
Baroda BNP Paribas Short Duration Fund	N.A.	₹204 Crs	12 yrs 5 m	0.44%

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Short Term Debt Fund	1.09%	5.46%	10.1%	8.06%	6.62%	7.67%
ICICI Prudential Short Term Fund	0.95%	5.24%	9.89%	8.78%	7.6%	8.41%
UTI Short Duration Fund	1.02%	5.16%	9.79%	8.16%	7.98%	7.03%
Sundaram Short Duration Fund	0.98%	5.31%	10.15%	8.11%	8.77%	7.16%
Aditya Birla Sun Life Short Term Fund	1.01%	5.41%	10.23%	8.48%	7.79%	8.22%
Baroda BNP Paribas Short Duration Fund	1.12%	5.55%	10.31%	8.4%	6.87%	7.87%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Short Term Debt Fund	0.94	2.26	1.54	3.01
ICICI Prudential Short Term Fund	0.76	1.29	2.72	5.65
UTI Short Duration Fund	0.9	2.02	1.69	3.14
Sundaram Short Duration Fund	0.98	2.25	1.52	3.1
Aditya Birla Sun Life Short Term Fund	0.96	2.0	1.84	3.28
Baroda BNP Paribas Short Duration Fund	0.99	2.29	1.76	4.09

View all Short Duration funds

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

Alpha	5.74 vs. 4.31 Higher outperformance against benchmark
Sharpe	1.54 vs. 4.42 Poor risk-adjusted returns
Beta	2.26 vs. 2.14 More sensitive to market's ups & downs
Standard deviation	0.94 vs. 1.0 More stable returns

Compare SBI Short Term Debt Fund in detail with

About this fund

About SBI Short Term Debt Fund

SBI Short Term Debt Fund Direct-Growth is a Short Duration mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 12 yrs 5 m, having been launched on 01/01/2013. SBI Short Term Debt Fund Direct-Growth has ₹13,350 Crores worth of assets under management (AUM) as on 31/03/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of SBI Short Term Debt Fund Direct-Growth as of 05/06/2025 is ₹34.20. The fund has an expense ratio of 0.4%, which is close to what most other Short Duration funds charge.

SBI Short Term Debt Fund Direct-Growth returns of last 1-year are 10.17%. Since launch, it has delivered 7.95% average annual returns. The fund has doubled the money invested in it every 10 yrs.
SBI Short Term Debt 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 GOI, Karnataka State, Mindspace Business Parks REIT, India Universal Trust AL1, L&T Metro Rail (Hyderabad) Ltd..

...

Fund AUM	₹13,350 Crs as on Mar 31, 2025
Scheme document	View Scheme Document

Fund managers

Mansi Sajeja

Ms. Sajeja is a CFA and has done Post Graduate Diploma in Business Management. Prior to joining SBIFMPL, she was Rating Analyst at ICRA Limited.

Investment objective

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.

SBI Mutual Fund details

No. of schemes	67 view all schemes
Total AUM	₹10,76,364 Crs as on Mar 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 (in Crs.)	1Y	3Y
SBI Magnum Constant Maturity Fund	N.A.	₹1,771 Crs	12.07%	9.75%
SBI Magnum Gilt Fund	N.A.	₹11,265 Crs	11.11%	9.54%
SBI Dynamic Bond Fund	N.A.	₹3,324 Crs	11.14%	9.48%
SBI CRISIL IBX Gilt Index - June 2036 Fund	N.A.	₹2,423 Crs	12.33%	N.A.
SBI Magnum Income Fund	N.A.	₹1,855 Crs	10.8%	9.1%
SBI Credit Risk Fund	N.A.	₹2,278 Crs	10.34%	8.88%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of SBI Short Term Debt Fund?

The current Net Asset Value (NAV) of the SBI Short Term Debt Fund - Direct Growth plan is approximately ₹34.2007 as of Jun 05, 2025.

What are the returns of this mutual fund scheme?

The SBI Short Term Debt Fund is a 12 yrs 5 m old fund and has delivered average annual returns of 7.94% since inception.

SBI Short Term Debt Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
10.1%	8.06%	6.62%	7.67%	7.94%

How much does this mutual fund charge as expense ratio?

The SBI Short Term Debt Fund - Direct Growth has an expense ratio of 0.4%, 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 Short Term Debt Fund currently has assets under management (AUM) or fund size valued at approximately ₹13,350 Crs crore as of Mar 31, 2025.

To whom does SBI Short Term Debt Fund lend to?

The top 3 debt holdings of SBI Short Term Debt Fund are as follows

Holding Name	Percentage of Portfolio
GOI	25.37%
Karnataka State	5.13%
Mindspace Business Parks REIT	4.86%

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 Short Term Debt Fund allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
AAA	51.4186565%
SOV	32.37085895%
AA+	7.74847672%

What is risk level of SBI Short Term Debt Fund?

This is a Short 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 Short Term Debt Fund?

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. It is just a matter of a few minutes. Here's how:

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 Short Term Debt Fund and choose the investment mode (Lump sum investment or a SIP). Then, enter your investment amount.
Fill in additional required details, including the bank account you'll use for payment, and confirm.

All set! Your investment in SBI Short Term Debt Fund is complete.

How can I redeem my investments in SBI Short Term Debt Fund?

Redeeming your investments in SBI Short Term Debt 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 Short Term Debt Fund from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

in Short Duration

#NA

Exit Load: This fund has no exit load.
Return Consistency: This fund ranks lower in terms of generating consistent return in it's category.
Return/Risk: The fund is performing poorly than its category.