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SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 3/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 69/100 · Good
How this score is calculated
- Star rating (35%)3/5
- 3Y CAGR (30%)7.28%
- Expense ratio (20%)0.42%
- AUM (15%)₹13,435 Cr
Not investment advice — an analytical read of public fund data. Methodology →
SBI Mutual Fund · Debt · Short Duration
₹36.47
AUM: ₹13,434 Cr
NAV updated 6 days ago
Plan
Regular
Option
Idcw
Risk
Moderate
Expense Ratio
0.42%
Exit Load
Nil
Fund Manager
Rajiv Radhakrishnan
Inception
Jan 2013
Benchmark
CRISIL Short Duration Debt A-II Index
Sharpe Ratio
-1.44
Std Dev (1Y)
1.14%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+0.26%
3m
+1.17%
6m
+2.77%
1y
+5.27%
3y
+7.28%
5y
+6.38%
10y
+7.07%
since inception
+3.38%
TopFund's Take on SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)
SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) holds up reasonably well within the Short Duration category, currently carrying a 3-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 69/100.
Cost: At 0.42%, the expense ratio is roughly in line with the Short Duration category average of 0.4% — cost isn't a standout factor either way for this fund.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -1.44 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 1.14% is on the lower side for a Short Duration fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Debt fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is ₹36.47. NAV is updated every business day after market close by AMFI.
1Y: 5.27% · 3Y CAGR: 7.28% · 5Y CAGR: 6.38%
The expense ratio of SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is 0.42% per annum. This is the annual fee charged by the fund to manage your investment.
SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Rajiv Radhakrishnan at SBI Mutual Fund.
SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is classified as a Moderate risk fund. It is suitable for investors with a moderate risk appetite.
SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is a Short Duration fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of SBI Short Term Debt Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is ₹13,435 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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