Sharpe ratio
0.47Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+5.25%1Y Absolute Return
+0.05%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 |
|---|---|---|---|---|
| SBI Dynamic Bond Fund - DIRECT PLAN - GrowthFund 5Y annualised return | ₹8,65,083 | ₹7,32,612 | ₹1,32,471 | +6.88% |
| 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 code119671
ISININF200K01RD4
BenchmarkCRISIL Dynamic Bond A-III Index
CategoryDebt Scheme - Dynamic Bond
Expense ratio0.63%
Exit loadFor units in excess of 10% of the investment, 0.25% will be charged for redemption within 1 month
Minimum SIP₹500 SIP
Return comparison
11th / 160 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +8.68% | — | — |
| 3M | +3.04% | — | — |
| 6M | +6.69% | — | — |
| 1Y | +5.25% | — | +1.66% |
| 3Y | +7.42% | — | +3.62% |
| 5Y | +6.88% | — | +3.39% |
| 10Y | +7.45% | — | — |
| Since Launch | +8.01% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.73Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
1.43%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
0.90How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
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%
Debt98.66%
Cash1.34%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 31 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Axis Bank Limited (26/02/2027) ** | Financial | Certificate of Deposit | 8.93% |
| Union Bank of India - 15/03/2027** | Financial | Certificate of Deposit | 8.91% |
| Small Industries Development Bank of India (25/03/2027) # | Financial | Commercial Paper | 7.61% |
| 7.28% State Government of Andhra Pradesh 2032 | Financial | State Development Loan | 6.69% |
| HDFC BANK LIMITED CD 12MAR27 | Financial | Certificate of Deposit | 5.72% |
| SUMMIT DIGITEL INFRASTRUCTURE LIMITED 8.44 NCD 02NV32 FVRS10LAC | Technology | Debenture | 4.2% |
| STATE DEVELOPMENT LOAN 31652 MH 25MY32 7.7 FV RS 100 | Unspecified | State Development Loan | 4.1% |
| GOVERNMENT OF INDIA 35368 GOI 23DC29 6.75 FV RS 100 | Entities | GOI Securities | 3.38% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25E 7.53 BD 24MR28 FVRS1LAC | Financial | Bonds | 3.35% |
| REC LIMITED SR 230-A 7.71 BD 26FB27 FVRS1LAC | Financial | Bonds | 3.34% |
Fund management
PR
Pradeep Kesavan
Since 2023 · Prior to joining SBI MF, he has worked with Elara Capital, Accenture Strategy, Morgan Stanley and 3i Infotech
Mr. Kesavan has done B.Com, MBA (Finance) and CFA
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 - dynamic bond fund. Ranks 11 of 160 in its category over 1 year. Has fallen sharply before — down -8.9% at its worst.
Strengths
- Ranks 11 of 160 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -8.9% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 61% — trouble in that sector hits the whole fund.