Sharpe ratio
0.55Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.94%1Y Absolute Return
+0.01%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 GILT FUND - DIRECT PLAN - GROWTHFund 5Y annualised return | ₹8,53,810 | ₹7,32,612 | ₹1,21,198 | +6.35% |
| 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₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age13.9 yrs
Fund information
Scheme code119707
ISININF200K01SH3
BenchmarkNIFTY All Duration G-Sec Index
CategoryDebt Scheme - Gilt Fund
Expense ratio0.50%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
12th / 139 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +13.59% | — | — |
| 3M | +0.53% | — | — |
| 6M | +6.10% | — | — |
| 1Y | +3.94% | — | +1.30% |
| 3Y | +6.60% | — | +3.90% |
| 5Y | +6.35% | — | +3.47% |
| 10Y | +7.34% | — | — |
| Since Launch | +8.65% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.85Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
2.45%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
0.91How 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%
Debt92.32%
Cash7.68%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 24 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36958 GOI 19JN76 7.43 FV RS 100 | Entities | GOI Securities | 27.6% |
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 11.85% |
| STATE DEVELOPMENT LOAN 37382 MH 22AP34 7.55 FV RS 100 | Unspecified | State Development Loan | 8.51% |
| 7.28% State Government of Andhra Pradesh 2032 | Financial | State Development Loan | 6.44% |
| Repo | Unspecified | Repo | 5.66% |
| GOVERNMENT OF INDIA 37185 182 DAYS TBILL 10SP26 FV RS 100 | Financial | Treasury Bills | 4.68% |
| STATE DEVELOPMENT LOAN 37254 WB 18MR45 7.79 FV RS 100 | Unspecified | State Development Loan | 4.09% |
| GOVERNMENT OF INDIA 37080 GOI 16FB31 6.36 FV RS 100 | Entities | GOI Securities | 3.89% |
| 7.71% GOI 18-May-2066 | Entities | GOI Securities | 3.38% |
| GOVERNMENT OF INDIA 37490 091 DAYS TBILL 10SP26 FV RS 100 | Financial | Treasury Bills | 2.93% |
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. Ranks 12 of 139 in its category over 1 year. Top 10 holdings make up 79% — a handful of stocks can swing returns sharply.
Strengths
- Ranks 12 of 139 in its category over 1 year.
Weaknesses
- Top 10 holdings make up 79% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -9.5% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 79% of the portfolio.
- Entities makes up 54% — trouble in that sector hits the whole fund.