Sharpe ratio
1.37Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+5.78%1Y Absolute Return
-0.00%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 LOW DURATION FUND - DIRECT PLAN - GROWTHFund 5Y annualised return | ₹8,58,678 | ₹7,32,612 | ₹1,26,066 | +6.58% |
| 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 age13.9 yrs
Fund information
Scheme code119812
ISININF200K01VM7
BenchmarkCRISIL Low Duration Debt A-I Index
CategoryDebt Scheme - Low Duration Fund
Expense ratio0.44%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
38th / 226 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +5.70% | — | — |
| 3M | +5.11% | — | — |
| 6M | +6.64% | — | — |
| 1Y | +5.78% | — | +2.45% |
| 3Y | +7.15% | — | +3.20% |
| 5Y | +6.58% | — | +3.00% |
| 10Y | +6.75% | — | — |
| Since Launch | +7.34% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
3.19Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
0.61%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
5.63How 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%
Debt77.76%
Cash22.24%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 68 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Cash Margin | Unspecified | Cash Margin | 20.1576% |
| HDFC BANK LIMITED CD 02MAR27 | Financial | Certificate of Deposit | 5.3542% |
| LIC HOUSING FINANCE LTD 328D CP 11FEB27 | Financial | Commercial Paper | 5.0112% |
| RADHAKRISHNA SECURITISATION TRUST RK TRUST PTC 15SEPT25 | Unspecified | Securitised Debt | 3.8331% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR III 7.40 BD 18JU31 FVRS1LAC | Financial | Bonds/NCDs | 3.7522% |
| STATE DEVELOPMENT LOAN 22035 CHT 28AG26 7.03 FV RS 100 | Unspecified | State Development Loan | 3.7412% |
| BHARTI TELECOM LIMITED SR XXIX 7.75 NCD 29FB28 FVRS1LAC | Technology | Debenture | 3.7205% |
| INDIAN BANK CD 03FEB27 | Financial | Certificate of Deposit | 3.5883% |
| CANARA BANK CD 12FEB27 | Financial | Certificate of Deposit | 3.5826% |
| KOTAK MAHINDRA BANK LIMITED CD 05MAR27 | Financial | Certificate of Deposit | 3.5696% |
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 - low duration fund. Losses and swings stayed contained — worst fall -1.3%, volatility 0.6%. Financial makes up 51% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -1.3%, volatility 0.6%.
- Recovered from its worst fall in 0 months.
- Ranks 38 of 226 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Financial makes up 51% — trouble in that sector hits the whole fund.