Sharpe ratio
-0.08Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+6.16%1Y Absolute Return
-0.03%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 Floating Rate Debt Fund - Direct Plan - GrowthFund 5Y annualised return | ₹8,62,514 | ₹7,32,612 | ₹1,29,902 | +6.76% |
| 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₹1.06
₹1 Lakh since launch₹1.06 Lakh
Fund age6.0 yrs
Fund information
Scheme code148550
ISININF200KA1R64
BenchmarkNIFTY SD Debt Index A-II
CategoryDebt Scheme - Floater Fund
Expense ratio0.27%
Exit loadExit load of 0.10%, if redeemed within 3 days.
Minimum SIP₹500 SIP
Return comparison
5th / 100 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.79% | — | — |
| 3M | +2.71% | — | — |
| 6M | +6.55% | — | — |
| 1Y | +6.16% | — | +3.13% |
| 3Y | +7.42% | — | +4.47% |
| 5Y | +6.76% | — | +3.97% |
| Since Launch | +6.41% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-0.17Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
1.24%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
11.10How 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%
Cash63.87%
Debt36.13%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 19 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 61.5024% |
| GOVERNMENT OF INDIA 34587 GOI 18JU31 7.02 FV RS 100 | Entities | GOI Securities | 21.9934% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 14.0444% |
| STATE DEVELOPMENT LOAN 34075 KAR 13MR34 7.36 FV RS 100 | Unspecified | State Development Loan | 10.3817% |
| STATE DEVELOPMENT LOAN 37136 RAJ 25FB33 7.44 FV RS 100 | Unspecified | State Development Loan | 9.2189% |
| STATE DEVELOPMENT LOAN 32443 GUJ 28DC31 7.57 FV RS 100 | Industrials | State Development Loan | 7.5793% |
| STATE DEVELOPMENT LOAN 30667 TN 11AG31 7 FV RS 100 | Unspecified | State Development Loan | 6.6555% |
| STATE DEVELOPMENT LOAN 37291 SKM 25MR36 7.87 FV RS 100 | Unspecified | State Development Loan | 4.9808% |
| ADITYA BIRLA HOUSING FINANCE LIMITED SR D1 7.1104 NCD 30JL27 FVRS1LAC | Financial | Non Convertible Debenture | 4.4252% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 4.1338% |
Fund management
AR
Ardhendu Bhattacharya
Since 2021 · Prior to joining SBI Mutual Fund, he has worked with ICICI Bank and Citibank.
Mr. Bhattacharya is a MBA (Marketing) and Bachelor of Engineering.
RA
Rajeev Radhakrishnan
Since 2020 · Prior to joining SBI AMC he has worked with UTI Asset Management Company Ltd.
Mr. Radhakrishnan is B.E (Production), MMS (Finance) and CFA.
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
Compare similar funds
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Summary
A moderate-risk debt scheme - floater fund. Losses and swings stayed contained — worst fall -0.6%, volatility 1.2%. Top 10 holdings make up 145% — a handful of stocks can swing returns sharply.
Strengths
- Losses and swings stayed contained — worst fall -0.6%, volatility 1.2%.
- Recovered from its worst fall in 1 months.
- Same fund manager for 6+ years — the strategy has not chopped and changed.
- Ranks 5 of 100 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 145% — 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 = 145% of the portfolio.
- Unspecified makes up 105% — trouble in that sector hits the whole fund.