Sharpe ratio
0.98Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.12%1Y Absolute Return
-0.12%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Groww Short Term Fund (formerly known as Indiabulls Short Term Fund) - Direct Plan - Growth OptionFund 5Y annualised return | ₹8,51,705 | ₹7,32,612 | ₹1,19,093 | +6.25% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age13.2 yrs
Fund information
Scheme code123704
ISININF666M01AC0
BenchmarkCRISIL Short Duration Debt A-II Index
CategoryDebt Scheme - Short Duration Fund
Expense ratio0.32%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
7th / 172 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +7.87% | — | — |
| 3M | +3.36% | — | — |
| 6M | +7.06% | — | — |
| 1Y | +5.12% | — | +2.20% |
| 3Y | +7.43% | — | +4.12% |
| 5Y | +6.25% | — | +3.81% |
| 10Y | +6.51% | — | — |
| Since Launch | +7.45% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.67Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
1.09%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
6.15How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt96.62%
Cash3.38%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 14 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36981 GOI 27JN33 6.68 FV RS 100 | Entities | GOI Securities | 44.6422% |
| EXPORT IMPORT BANK OF INDIA SR AA02 7.35 BD 27JL28 FVRS1LAC | Financial | Bonds | 9.5269% |
| ICICI Bank Limited (15/09/2026) | Financial | Certificate of Deposit | 8.2984% |
| PUNJAB NATIONAL BANK CD 09FEB27 | Financial | Certificate of Deposit | 5.549% |
| HDB FINANCIAL SERVICES LIMITED SR A/1 FX 198 7.988 LOA 08DC26 FVRS1LAC | Financial | Debenture | 5.2682% |
| NHPC LIMITED SR AB STRPP C 6.80 LOA 24AP28 FVRS2LAC | Energy & Utilities | Debenture | 5.2385% |
| AXIS BANK LIMITED CD 10SEP26 | Financial | Certificate of Deposit | 5.1899% |
| BANK OF BARODA CD 05MAR27 | Financial | Certificate of Deposit | 5.0234% |
| INDIAN RAILWAY FINANCE CORPORATION LIMITED SR 191A 6.47 BD 30MY28 FVRS1LAC | Financial | Bonds | 4.8877% |
| Reverse Repo | Unspecified | Reverse Repo | 3.6041% |
Fund management
KA
Kaustubh Sule
Since 2023 · Prior to joining Groww Mutual Fund (formerly, Indiabulls Mutual Fund), he has worked with Axis Asset Management Company Ltd. HDFC Standard Life Insurance Company Ltd., Reliance Life Insurance Company Ltd., Union Bank of India, Hexaware Technologies Ltd.
Mr. Sule is a B.E. (Computer Engineering) & MBA (Finance)
WI
Wilfred Peter Gonsalves
Since 2026 · Prior to joining Groww Mutual Fund, he has worked with Edelweiss Tokio Life Insurance and L&T Finance
Mr. Gonsalves has done CA and B.Com
Compare similar funds
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Summary
A moderate-risk debt scheme - short duration fund. Losses and swings stayed contained — worst fall -1.2%, volatility 1.1%. Top 10 holdings make up 97% — a handful of stocks can swing returns sharply.
Strengths
- Losses and swings stayed contained — worst fall -1.2%, volatility 1.1%.
- Recovered from its worst fall in 3 months.
- Ranks 7 of 172 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 97% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 97% of the portfolio.