Sharpe ratio
0.60Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+1.92%1Y Absolute Return
-0.36%1D
Loading NAV history…
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 |
|---|---|---|---|---|
| SBI CONSTANT MATURITY 10 YEAR GILT FUND - DIRECT PLAN - GROWTHFund 5Y annualised return | ₹8,36,744 | ₹7,32,612 | ₹1,04,132 | +5.53% |
| 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₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.9 yrs
Fund information
Scheme code120137
ISININF200K01SK7
BenchmarkNIFTY 10 yr Benchmark G-Sec Index
CategoryDebt Scheme - Gilt Fund with 10 year constant duration
Expense ratio0.32%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
8th / 36 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +16.35% | — | — |
| 3M | -7.65% | — | — |
| 6M | +3.75% | — | — |
| 1Y | +1.92% | — | +0.30% |
| 3Y | +6.63% | — | +3.67% |
| 5Y | +5.53% | — | +2.59% |
| 10Y | +7.31% | — | — |
| Since Launch | +8.29% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.94Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
3.54%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
1.86How 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%
Debt97.94%
Cash2.06%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
7 of 7 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 47.4% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 14.82% |
| GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100 | Entities | GOI Securities | 13.26% |
| 7.57% State Government of Maharashtra 2036 | Unspecified | State Development Loan | 12.11% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 10.35% |
| Net Receivables | Unspecified | Net Receivables | 1.71% |
| Repo | Unspecified | Repo | 0.35% |
Fund management
SU
Sudhir Agrawal
Since 2025 · Prior to joining SBI MF he has worked with UTI MF, TATA Asset Management Ltd., Tramp Value Pvt. Ltd. and CARE Ratings.
Mr.Sudhir Agrawal is a M.Com, PGDBA (Finance) and a CFA.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderate-risk debt scheme - gilt fund with 10 year constant duration fund. Recovered from its worst fall in 3 months. Top 10 holdings make up 100% — a handful of stocks can swing returns sharply.
Strengths
- Recovered from its worst fall in 3 months.
- Ranks 8 of 36 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 100% — 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 = 100% of the portfolio.
- Entities makes up 86% — trouble in that sector hits the whole fund.