Should I invest in SAHARA SHORT TERM BOND FUND?

We don't give personal investment advice. SAHARA SHORT TERM BOND FUND- DIVIDEND REINVESTMENT 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: 5.1%. 5-year CAGR: 1.29%.

Sahara

SAHARA SHORT TERM BOND FUND- DIVIDEND REINVESTMENT

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	312 / 1129	Q2
1W	+0.10%	-13.04%	+13.14	239 / 1151	Q1
2W	+0.22%	-13.18%	+13.40	195 / 1149	Q1
1M	+0.52%	-13.26%	+13.78	177 / 1137	Q1
3M	+1.60%	-13.15%	+14.74	181 / 1116	Q1
6M	+2.80%	-15.45%	+18.25	287 / 906	Q2
YTD	+3.23%	-15.77%	+19.01	210 / 952	Q1
1Y	+3.05%	-13.09%	+16.14	365 / 820	Q2
2Y	+2.03%	-12.72%	+14.75	189 / 446	Q2
3Y	+1.88%	-11.01%	+12.89	160 / 385	Q2
4Y	+1.54%	-6.52%	+8.06	150 / 339	Q2
5Y	+1.29%	-7.36%	+8.65	151 / 314	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.24%	-13.63%	+14.87	397 / 1199	Q2

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	+3.23%	+2.22%	+1.01	100 / 216
2014	+0.95%	+5.51%	-4.56	156 / 240
2013	+1.62%	-1.95%	+3.57	115 / 276
2012	+0.51%	+1.38%	-0.87	191 / 295
2011	+0.39%	-3.16%	+3.55	147 / 317
2010	-3.35%	-5.78%	+2.43	320 / 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

+0.54%

70 windows

min -4.0% · max 6.2%

81% positive

3-Year rolling

+0.57%

45 windows

min -1.1% · max 1.9%

76% positive

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

5-Year rolling

+0.57%

21 windows

min -0.1% · max 1.3%

86% 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

0.66%

3-year · annualised

Sharpe ratio

-7.00

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.75%

Aug 2013 → Aug 2013

% positive months

80.6%

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	₹10.8605
11 Dec 2015	₹10.8569
10 Dec 2015	₹10.8551
9 Dec 2015	₹10.8532
8 Dec 2015	₹10.8513
7 Dec 2015	₹10.8494
4 Dec 2015	₹10.8440
3 Dec 2015	₹10.8423
2 Dec 2015	₹10.8404
1 Dec 2015	₹10.8385

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- DIVIDEND REINVESTMENT 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- DIVIDEND REINVESTMENT 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- DIVIDEND REINVESTMENT 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- DIVIDEND REINVESTMENT has delivered a absolute return of 3.05% — +16.14 pp ahead of the Income category average of -13.09%. The fund ranks #365 of 820 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SAHARA SHORT TERM BOND FUND- DIVIDEND REINVESTMENT has delivered a CAGR of 1.88% — +12.89 pp ahead of the Income category average of -11.01%. The fund ranks #160 of 385 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SAHARA SHORT TERM BOND FUND- DIVIDEND REINVESTMENT has delivered a CAGR of 1.29% — +8.65 pp ahead of the Income category average of -7.36%. The fund ranks #151 of 314 in its category — the second (Q2) quartile.

₹1 lakh invested in SAHARA SHORT TERM BOND FUND- DIVIDEND REINVESTMENT exactly 5 years ago would be worth approximately ₹106,610 today — a multiplier of 1.07×, based on the 5-year CAGR of 1.29%. 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- DIVIDEND REINVESTMENT over the last 5 years — total invested ₹600,000 — would be worth ₹627,599 today. That's an XIRR (money-weighted annualised return) of 1.77%.

SAHARA SHORT TERM BOND FUND- DIVIDEND REINVESTMENT doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹627,599 — XIRR 1.77%.

On a 5-year basis, SAHARA SHORT TERM BOND FUND- DIVIDEND REINVESTMENT ranks #151 out of 314 funds in the Income category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is -7.36%; this fund delivered 1.29%.

The worst peak-to-trough decline SAHARA SHORT TERM BOND FUND- DIVIDEND REINVESTMENT has experienced over the last 5-year window is 5.14% — its NAV fell from a high on 28 Jul 2011 to a low on 26 Aug 2011. 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- DIVIDEND REINVESTMENT averaged 0.57% (best 1.29%, worst -0.12%). 86% of rolling windows ended positive. The 5-year Sharpe ratio is -1.75 — negative risk-adjusted performance.

In calendar year 2014, SAHARA SHORT TERM BOND FUND- DIVIDEND REINVESTMENT returned 0.95% — lagging the Income category average of 5.51% by 4.56 pp. It ranked #156 of 240 in its category that year.

SAHARA SHORT TERM BOND FUND- DIVIDEND REINVESTMENT 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- DIVIDEND REINVESTMENT 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: 5.1%. 5-year CAGR: 1.29%.

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