SBI Short Term Debt Fund Direct Growth

SBI Short Term Debt Fund Direct Growth

Debt

SBI Mutual Fund

Short Duration

Get the latest NAV of SBI Short Term Debt Fund Direct Growth. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.

₹33.79

NAV as on 09 May 2025

7.9%/per year

Since Inception

Absolute Gain%

▲▼

369 people have invested ₹ 1.5Cr in SBI Short Term Debt Fund Direct Growth in the last three months

Fund Performance

as on (09-May-25)

Period
This Fund
Short Duration Index
1 Month
0.79%
0.69%
3 Months
2.92%
2.63%
6 Months
4.84%
4.36%
1 Year
9.52%
8.89%
3 Years
7.71%
7.32%
5 Years
6.58%
6.65%

Peer comparison

Fund Name
INDmoney Rank
AUM (in Crs.)
Expense Ratio
1Y Returns
3Y Returns
Inception Returns
SBI Short Term Debt Fund
7/13
14,429Cr
0.4%
9.52%
7.71%
7.9%
ICICI Prudential Short Term Fund Direct Growth
1/13
20,858Cr
0.45%
9.48%
8.53%
8.6%
HDFC Short Term Debt Fund Direct Growth
5/13
14,208Cr
0.4%
9.43%
7.97%
8.14%
Kotak Bond Short Term Fund Direct Growth
10/13
16,681Cr
0.38%
9.72%
7.99%
8.14%
See all

SBI Short Term Debt Fund Returns Calculator

Calculate SIP and lumpsum returns based on historical performance

  • 1-time

  • SIP

Total Investment

0

Profit

Total Corpus

0

Absolute Return
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SBI Short Term Debt Fund Asset Allocation

as on (31-Dec-69)

Fund Distribution

as on (31-Dec-69)

Debt & Cash 99.7%

AAA
87.3%
AA
12.7%
Cash allocation has gone down from 8.9% to 3.2%
Cash allocation has gone down from 8.9% to 3.2%
Debt allocation has gone up from 90.8% to 96.6%
Debt allocation has gone up from 90.8% to 96.6%

SBI Short Term Debt Fund Sector Allocation

as on (31-Dec-69)

Sector Allocation

Debt & Cash 99.7%

Corporate
58.5%
Government
38.3%
Cash Equivalent
3.2%

Top 2 Sectors in March were Corporate, Government

Mar'25

Corporate

58%

Government

38%

Feb'25

Corporate

51%

Government

40%

SBI Short Term Debt Fund Holdings Details

as on (30-Apr-25)

Debt & Cash

Holdings
Weight%
1M Change
7.18% Govt Stock 2033
7.3%
-12.6%
7.17% Govt Stock 2030
6.3%
0%
6.79% Govt Stock 2034
4.64%
-10%
Small Industries Development Bank of India
3.53%
0%
National Bank For Agriculture And Rural Development
3.52%
0%
See all
Top Stocks bought last month
Mahindra Rural Housing Finance Limited's allocation increased from 0.68% to 1.87%
Mahindra Rural Housing Finance Limited's allocation increased from 0.68% to 1.87%
Summit Digitel Infrastructure Limited's allocation increased from 0.57% to 1.66%
Summit Digitel Infrastructure Limited's allocation increased from 0.57% to 1.66%
Mindspace Business Parks Reit's allocation increased from 1.49% to 2.25%
Mindspace Business Parks Reit's allocation increased from 1.49% to 2.25%
Top Stocks sold last month
L&T Metro Rail (Hyderabad) Limited's allocation decreased from 5.26 % to 4.08 %
L&T Metro Rail (Hyderabad) Limited's allocation decreased from 5.26 % to 4.08 %
National Bank For Agriculture And Rural Development's allocation decreased from 5.26 % to 3.76 %
National Bank For Agriculture And Rural Development's allocation decreased from 5.26 % to 3.76 %
Power Finance Corporation Ltd.'s allocation decreased from 5.26 % to 3.38 %
Power Finance Corporation Ltd.'s allocation decreased from 5.26 % to 3.38 %

SBI Short Term Debt Fund Direct Growth Overview

Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.

Expense ratio0.4%
Benchmark
CRISIL Short Duration Debt TR INR
AUM₹14429 Cr
Inception Date1 January, 2013
Min Lumpsum/SIP₹5000/₹500
Exit Load0%
Lock InNo Lock-in
TurnOver
108.51%
STCGSelling mutual fund within 36 months, gains taxed at slab rates.
LTCGHolding over 3 years, gains taxed at slab rates without indexation.
Risk
Risk meter
pointer
Low to Moderate Risk

About SBI Short Term Debt Fund

SBI Short Term Debt Fund Direct Growth is a debt fund. This fund was started on 1 January, 2013. The fund is managed by Mansi Sajeja, Rajeev Radhakrishnan. This fund is suitable to keep your money safe.

Key Parameters

  1. SBI Short Term Debt Fund Direct Growth has ₹14429 Cr worth of assets under management (AUM) as on Dec 1969 and is more than category average.
  2. The fund has an expense ratio 0.4.

Returns

SBI Short Term Debt Fund Direct Growth has given a CAGR return of 7.90% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 9.52%, 7.71% and 6.58% respectively.

Holdings

SBI Short Term Debt Fund Direct Growth has allocated its funds majorly in Corporate, Government, Cash Equivalent. Its top holdings are 7.18% Govt Stock 2033, 7.17% Govt Stock 2030, 6.79% Govt Stock 2034, Small Industries Development Bank of India, National Bank For Agriculture And Rural Development

Taxation

As it is a short duration mutual fund the taxation is as follows:
If the fund is debt oriented i.e. asset allocation of more than 65% in debt instruments:
Invested before 1 April 2023 and held for less than 24 months, STCG will be taxed at your income slab rate.
Invested before 1 April 2023 and held for more than 24 months, LTCG will be taxed at 12.5%.
Invested after 1 April 2023, capital gains will be taxed at your income slab rate.
Dividends will always be taxed at slab rate.

Investment objective of SBI Short Term Debt Fund Direct Growth

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.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 500.00. SBI Short Term Debt Fund Direct Growth has no lock in period.

Fund Manager

Mansi Sajeja

Fund Manager of SBI Short Term Debt Fund Direct Growth, since 1 December 2023

Rajeev Radhakrishnan

Fund Manager of SBI Short Term Debt Fund Direct Growth, since 2 June 2008

Learn more about SBI Mutual Fund
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 14K Cr
₹ 13.9K Cr
₹ 13.5K Cr
  • AUM of the fund stands at 14K Cr as of Mar'25
  • AUM increased by 53.4 Cr between Mar'25 and Feb'25

Frequently Asked Questions for SBI Short Term Debt Fund Direct Growth

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

The current NAV of SBI Short Term Debt Fund Direct Growth is ₹33.79 as on 09-May-2025.

What are the average returns of SBI Short Term Debt Fund Direct Growth?

Existing (Absolute + CAGR) as on 09-May-2025.
SBI Short Term Debt Fund Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
0.79%
0.79%
6 Month Returns
4.84%
4.84%
1 Year Returns
9.52%
9.52%
3 Years Returns
24.95%
7.71%

How do I invest in SBI Short Term Debt Fund Direct Growth?

With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.

What is the expense ratio of SBI Short Term Debt Fund Direct Growth?

0.4% as on April 2025

What is net assets under management (AUM) of SBI Short Term Debt Fund Direct Growth?

₹14429 Cr as on April 2025

What are the top 5 holdings of SBI Short Term Debt Fund Direct Growth?

7.18% Govt Stock 2033(7.3%), 7.17% Govt Stock 2030(6.3%), 6.79% Govt Stock 2034(4.64%), Small Industries Development Bank of India(3.53%), National Bank For Agriculture And Rural Development(3.52%) as on April 2025

What are the top 3 sectors that this SBI Short Term Debt Fund Direct Growth has invested in?

Corporate(64.39%), Government(28.18%), Cash Equivalent(7.43%) as on April 2025

What is the yield to maturity ratio of SBI Short Term Debt Fund Direct Growth?

Yield to Maturity is 7.33 as on April 2025. Yield to Maturity is the total return earned on your bond investments if you hold the bond investments till maturity & all bonds' proceeds are reinvested in it.

What is the modified duration of SBI Short Term Debt Fund Direct Growth?

Modified Duration is 2.78 as on April 2025. Modified Duration tells the sensitivity of the price of a bond to a change in interest rate.

What is the credit rating breakup of SBI Short Term Debt Fund Direct Growth?

AAA
87.26
AA
12.74

Who is the manager of SBI Short Term Debt Fund Direct Growth?

Mansi Sajeja, Rajeev Radhakrishnan are the fund managers of SBI Short Term Debt Fund Direct Growth

What is the exit load of SBI Short Term Debt Fund Direct Growth?

The Exit load of SBI Short Term Debt Fund Direct Growth is 0%