Should I invest in SAHARA SHORT TERM BOND FUND?

We don't give personal investment advice. SAHARA SHORT TERM BOND FUND-GROWTH is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.1%. 5-year CAGR: 9.44%.

Sahara

SAHARA SHORT TERM BOND FUND-GROWTH

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.00%	-9.99%	+9.99	313 / 1129	Q2
1W	+0.10%	-13.04%	+13.14	243 / 1151	Q1
2W	+0.22%	-13.18%	+13.40	194 / 1149	Q1
1M	+0.52%	-13.26%	+13.78	176 / 1137	Q1
3M	+1.60%	-13.15%	+14.74	182 / 1116	Q1
6M	+3.29%	-15.45%	+18.74	236 / 906	Q2
YTD	+6.72%	-15.77%	+22.50	84 / 952	Q1
1Y	+7.12%	-13.09%	+20.21	242 / 820	Q2
2Y	+7.76%	-12.72%	+20.48	70 / 446	Q1
3Y	+8.07%	-11.01%	+19.08	43 / 385	Q1
4Y	+8.35%	-6.52%	+14.87	43 / 339	Q1
5Y	+9.44%	-7.36%	+16.80	13 / 314	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.61%	-13.63%	+22.24	158 / 1199	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2015 YTD	+6.72%	+2.22%	+4.50	58 / 216
2014	+8.37%	+5.51%	+2.86	88 / 240
2013	+8.63%	-1.95%	+10.59	31 / 276
2012	+9.08%	+1.38%	+7.70	104 / 295
2011	+13.98%	-3.16%	+17.14	1 / 317
2010	+5.59%	-5.78%	+11.37	51 / 377
2009	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+8.87%

70 windows

min 5.1% · max 14.5%

100% positive

3-Year rolling

+9.38%

45 windows

min 8.1% · max 10.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+9.21%

21 windows

min 9.0% · max 9.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.30%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.13%

Jul 2013 → Jul 2013

% positive months

100.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Recent NAVs

Date	NAV
14 Dec 2015	₹17.3477
11 Dec 2015	₹17.3419
10 Dec 2015	₹17.3390
9 Dec 2015	₹17.3360
8 Dec 2015	₹17.3330
7 Dec 2015	₹17.3300
4 Dec 2015	₹17.3214
3 Dec 2015	₹17.3185
2 Dec 2015	₹17.3156
1 Dec 2015	₹17.3125

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

SAHARA SHORT TERM BOND FUND-GROWTH is a Income from Sahara (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

SAHARA SHORT TERM BOND FUND-GROWTH has NAV history starting from 16 Apr 2009, a track record of about 17 years 1 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

SAHARA SHORT TERM BOND FUND-GROWTH is managed by Sahara. It's classified by AMFI under the 'Income' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SAHARA SHORT TERM BOND FUND-GROWTH has delivered a absolute return of 7.12% — +20.21 pp ahead of the Income category average of -13.09%. The fund ranks #242 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SAHARA SHORT TERM BOND FUND-GROWTH has delivered a CAGR of 8.07% — +19.08 pp ahead of the Income category average of -11.01%. The fund ranks #43 of 385 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SAHARA SHORT TERM BOND FUND-GROWTH has delivered a CAGR of 9.44% — +16.8 pp ahead of the Income category average of -7.36%. The fund ranks #13 of 314 in its category — the top (Q1) quartile.

₹1 lakh invested in SAHARA SHORT TERM BOND FUND-GROWTH exactly 5 years ago would be worth approximately ₹157,012 today — a multiplier of 1.57×, based on the 5-year CAGR of 9.44%. The category average over the same window would have grown ₹1 lakh to ₹68,226.

A ₹10,000 monthly SIP in SAHARA SHORT TERM BOND FUND-GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹741,314 today. That's an XIRR (money-weighted annualised return) of 8.38%.

SAHARA SHORT TERM BOND FUND-GROWTH doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹741,314 — XIRR 8.38%.

On a 5-year basis, SAHARA SHORT TERM BOND FUND-GROWTH ranks #13 out of 314 funds in the Income category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -7.36%; this fund delivered 9.44%.

The worst peak-to-trough decline SAHARA SHORT TERM BOND FUND-GROWTH has experienced over the last 5-year window is 0.13% — its NAV fell from a high on 15 Jul 2013 to a low on 16 Jul 2013. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, SAHARA SHORT TERM BOND FUND-GROWTH averaged 9.21% (best 9.46%, worst 8.95%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.27 — strong risk-adjusted performance.

In calendar year 2014, SAHARA SHORT TERM BOND FUND-GROWTH returned 8.37% — beating the Income category average of 5.51% by 2.86 pp. It ranked #88 of 240 in its category that year.

SAHARA SHORT TERM BOND FUND-GROWTH is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. SAHARA SHORT TERM BOND FUND-GROWTH is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.1%. 5-year CAGR: 9.44%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.