SBI Short Term Debt Fund

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

The SBI Short Term Debt Fund is a 18 yrs 6 m old fund and has delivered average annual returns of 6.67% since inception. SBI Short Term Debt Fund Returns 1-Year 3-Year 5-Year 10-Year Since Inception 6.94% 7.16% 5.8% 6.86% 6.67%

Q: How much does this mutual fund charge as expense ratio?

The SBI Short Term Debt Fund has an expense ratio of 0.85% , 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.

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹33.0836-0.05% 1 day change	6.67% p.a.	App exclusive #NA View Ranked Funds	₹17,516 Cr

Historical NAV & returns

NAV: ₹33.0836 as on Feb 02, 2026

This fund Category average

SBI Short Term Debt Fund overview

AUM (Fund size)	₹17,516 Cr
Exit load	0%
Lock-in Period	Nil
Age	18 yrs 6 m since Jul 19, 2007
Benchmark	CRISIL Short Duration Debt A-II Index
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Expense ratio	0.85% as on Feb 02, 2026
Plan type	Regular
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 Feb 03, 2026

Period	This fund	Category average
1 Month	-0.01%	0.05%
3 Months	0.55%	0.6%
6 Months	1.86%	1.78%
1 Year	6.94%	6.65%
2 Years	7.32%	7.11%
3 Years	7.16%	7.03%
4 Years	6.38%	6.23%
5 Years	5.8%	5.72%
7 Years	6.73%	6.59%
10 Years	6.86%	6.75%

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

AAA 55.76637394%

SOV 21.74836282%

AA+ 7.61480117%

AA 5.90999245%

Top Debt Holdings

GOI 17.22%

Mindspace Business Parks REIT 5.03%

Shivshakti Securitisation Trust 3.44%

Rajasthan State 2.75%

Allocation by Instruments

Debenture 34.01895997%

GOI Securities 17.22455313%

Non Convertible Debenture 13.59195227%

Bonds 13.00522099%

Other Holdings

Others 0.26%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Short Term Debt Fund	-0.01%	1.86%	6.94%	7.16%	5.8%	6.86%
ICICI Prudential Short Term Fund	0.06%	2.23%	7.31%	7.56%	6.4%	7.42%
UTI Short Duration Fund	0.02%	1.76%	6.59%	7.17%	6.93%	6.17%
Sundaram Short Duration Fund	0.09%	1.9%	6.62%	7.15%	7.23%	6.2%
UTI Short Duration Fund	0.02%	1.76%	6.6%	6.96%	6.66%	5.83%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Short Term Debt Fund	1.04	1.25	0.84	1.3
ICICI Prudential Short Term Fund	0.83	1.02	1.48	2.18
UTI Short Duration Fund	0.98	1.24	0.86	1.42
Sundaram Short Duration Fund	1.06	1.21	0.79	1.39
UTI Short Duration Fund	0.97	1.21	0.65	1.09

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Short Term Debt Fund	N.A.	17,516 Cr	18 yrs 6 m	0.85%
ICICI Prudential Short Term Fund	N.A.	20,935 Cr	24 yrs 3 m	1.06%
UTI Short Duration Fund	N.A.	3,181 Cr	18 yrs 5 m	0.83%
Sundaram Short Duration Fund	N.A.	190 Cr	22 yrs 8 m	0.72%
UTI Short Duration Fund	N.A.	3,181 Cr	22 yrs 7 m	0.83%

View all Short Duration funds

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

Alpha	3.21 vs. 3.39 Underperformed at beating benchmark
Sharpe	0.84 vs. 3.07 Poor risk-adjusted returns
Beta	1.25 vs. 1.11 More sensitive to market's ups & downs
Standard deviation	1.04 vs. 0.95 More volatile performance

Compare SBI Short Term Debt Fund in detail with

About this fund

About SBI Short Term Debt Fund

SBI Short Term Debt Fund is a Short Duration mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 18 yrs 6 m, having been launched on 19/07/2007. SBI Short Term Debt Fund has ₹17,516 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 Short Term Debt Fund as of 02/02/2026 is ₹33.08. The fund has an expense ratio of 0.85%, which is higher than what most other Short Duration funds charge.

SBI Short Term Debt Fund returns of last 1-year are 7.01%. Since launch, it has delivered 7.32% average annual returns. The fund has doubled the money invested in it every 11 yrs.
SBI Short Term Debt Fund 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, Mindspace Business Parks REIT, Shivshakti Securitisation Trust, Rajasthan State, Small Industries Devp. Bank of India Ltd..

...

Fund AUM	17,516 Cr as on Dec 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	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	7.27%	7.96%
SBI CRISIL IBX Gilt Index - April 2029 Fund	N.A.	2,038 Cr	7.67%	7.85%
SBI CRISIL IBX Gilt Index - June 2036 Fund	N.A.	2,737 Cr	5.6%	7.85%
SBI CRISIL IBX SDL Index - September 2027 Fund	N.A.	998 Cr	7.36%	7.54%
SBI Floating Rate Debt Fund	N.A.	750 Cr	6.84%	7.54%
SBI Medium Duration Fund	N.A.	6,889 Cr	6.65%	7.36%

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 plan is approximately ₹33.0836 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The SBI Short Term Debt Fund is a 18 yrs 6 m old fund and has delivered average annual returns of 6.67% since inception.

SBI Short Term Debt Fund Returns

1-Year	3-Year	5-Year	10-Year	Since Inception
6.94%	7.16%	5.8%	6.86%	6.67%

How much does this mutual fund charge as expense ratio?

The SBI Short Term Debt Fund has an expense ratio of 0.85%, 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 Short Term Debt Fund currently has assets under management (AUM) or fund size valued at approximately 17,516 Cr as on Dec 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	17.22%
Mindspace Business Parks REIT	5.03%
Shivshakti Securitisation Trust	3.44%

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	55.76637394%
SOV	21.74836282%
AA+	7.61480117%

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

Redeeming your investments in the SBI Short Term Debt 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 Short Duration

#NA

Return Outperformance: This fund has generated highest return amongst Short Duration funds in the last 10 Years.
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.