Should I invest in SBI LOW DURATION FUND?

We don't give personal investment advice. SBI LOW DURATION FUND - DIRECT PLAN - 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: 0.4%. 5-year CAGR: 6.30%.

SBI

SBI LOW DURATION FUND - DIRECT PLAN - GROWTH

Latest NAV

₹3,823.4491

As of

3 Jun 2026

3,246 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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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	+0.05%	+0.04%	+0.01	4 / 27	Q1
1W	+0.23%	-6.69%	+6.92	6 / 29	Q1
2W	+0.17%	-3.38%	+3.55	24 / 28	Q4
1M	+0.16%	-3.36%	+3.52	24 / 28	Q4
3M	+1.01%	-2.48%	+3.49	26 / 28	Q4
6M	+2.28%	-1.41%	+3.70	22 / 26	Q4
YTD	+1.89%	-1.76%	+3.65	22 / 26	Q4
1Y	+5.56%	+2.16%	+3.40	23 / 26	Q4
2Y	+6.98%	+7.51%	-0.53	20 / 22	Q4
3Y	+7.14%	+7.30%	-0.16	16 / 22	Q3
4Y	+7.02%	+7.15%	-0.13	13 / 21	Q3
5Y	+6.30%	+6.52%	-0.22	12 / 19	Q3
7Y	+6.45%	+6.80%	-0.35	14 / 19	Q3
10Y	+6.81%	+6.84%	-0.04	10 / 16	Q3
Inception	+7.35%	+6.75%	+0.60	11 / 27	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
2026 YTD	+1.89%	+2.03%	-0.13	21 / 24
2025	+7.54%	+7.72%	-0.18	16 / 21
2024	+7.80%	+7.84%	-0.04	13 / 21
2023	+7.36%	+2.49%	+4.87	11 / 22
2022	+4.59%	+4.67%	-0.07	12 / 20
2021	+3.70%	+4.92%	-1.22	16 / 19
2020	+7.33%	+8.39%	-1.06	12 / 19
2019	+8.66%	+6.00%	+2.66	8 / 19
2018	+7.54%	+7.58%	-0.04	9 / 18
2017	+6.70%	+7.15%	-0.45	16 / 17
2016	+8.43%	+8.94%	-0.51	16 / 17

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

+7.40%

152 windows

min 3.4% · max 9.9%

100% positive

3-Year rolling

+7.20%

127 windows

min 4.9% · max 9.3%

100% positive

5-Year rolling

+7.06%

103 windows

min 6.1% · max 8.4%

100% positive

7-Year rolling

+7.13%

79 windows

min 6.5% · max 8.4%

100% positive

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

0.52%

3-year · annualised

Sharpe ratio

0.80

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.21%

May 2026 → May 2026

% 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.

Peers in Low Duration Fund

Scheme	Fund house	NAV	As of
HDFC Low Duration Fund - Direct Plan - Growth	HDFC	₹66.0831	3 Jun 2026
Nippon India Low Duration Fund - Direct Plan Growth Plan - Bonus Option	Nippon India	₹2,435.0222	3 Jun 2026
ICICI Prudential Savings Fund - Direct Plan - Growth	ICICI Prudential	₹582.0493	3 Jun 2026
Invesco India Low Duration Fund - Direct Plan - Growth	Invesco	₹4,151.8993	3 Jun 2026
BANDHAN Low Duration Fund-Direct Plan-Growth	Bandhan	₹41.6070	3 Jun 2026
Aditya Birla Sun Life Low duration Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹766.7485	3 Jun 2026
Franklin India Low Duration Fund-Direct-Growth	Franklin India	₹10.9204	3 Jun 2026
Mirae Asset Low Duration Fund - Direct Plan - Growth	Mirae Asset	₹2,594.0785	3 Jun 2026
Kotak Low Duration Fund- Direct Plan- Growth Option	Kotak	₹3,846.2911	3 Jun 2026
Edelweiss Low Duration Fund - Direct Plan Growth	Edelweiss	₹1,081.3657	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹3,823.4491
2 Jun 2026	₹3,823.4204
1 Jun 2026	₹3,821.6714
31 May 2026	₹3,820.0489
29 May 2026	₹3,818.5993
27 May 2026	₹3,815.3937
26 May 2026	₹3,814.5730
25 May 2026	₹3,815.1364
22 May 2026	₹3,813.0290
21 May 2026	₹3,812.7314

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.

As of 03 Jun 2026, the NAV of SBI LOW DURATION FUND - DIRECT PLAN - GROWTH is ₹3,823.4491. It's a Low Duration Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI LOW DURATION FUND - DIRECT PLAN - GROWTH has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

SBI LOW DURATION FUND - DIRECT PLAN - GROWTH is managed by SBI. It's classified by AMFI under the 'Low Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI LOW DURATION FUND - DIRECT PLAN - GROWTH has delivered a absolute return of 5.56% — +3.4 pp ahead of the Low Duration Fund category average of 2.16%. The fund ranks #23 of 26 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI LOW DURATION FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 7.14% — -0.16 pp behind the Low Duration Fund category average of 7.30%. The fund ranks #16 of 22 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI LOW DURATION FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 6.30% — -0.22 pp behind the Low Duration Fund category average of 6.52%. The fund ranks #12 of 19 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI LOW DURATION FUND - DIRECT PLAN - GROWTH exactly 10 years ago would be worth approximately ₹193,188 today — a multiplier of 1.93×, based on the 10-year CAGR of 6.81%. The category average over the same window would have grown ₹1 lakh to ₹193,835.

A ₹10,000 monthly SIP in SBI LOW DURATION FUND - DIRECT PLAN - GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹712,310 today. That's an XIRR (money-weighted annualised return) of 6.79%.

A ₹10,000 monthly SIP for 10 years in SBI LOW DURATION FUND - DIRECT PLAN - GROWTH = ₹1,200,000 invested. It would currently be worth ₹1,685,540 (multiplier 1.40×). XIRR: 6.61%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI LOW DURATION FUND - DIRECT PLAN - GROWTH ranks #12 out of 19 funds in the Low Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.52%; this fund delivered 6.30%.

The worst peak-to-trough decline SBI LOW DURATION FUND - DIRECT PLAN - GROWTH has experienced over the last 5-year window is 0.37% — its NAV fell from a high on 02 May 2022 to a low on 06 May 2022. 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, SBI LOW DURATION FUND - DIRECT PLAN - GROWTH averaged 7.06% (best 8.40%, worst 6.13%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.57 — negative risk-adjusted performance.

In calendar year 2025, SBI LOW DURATION FUND - DIRECT PLAN - GROWTH returned 7.54% — lagging the Low Duration Fund category average of 7.72% by 0.18 pp. It ranked #16 of 21 in its category that year.

SBI LOW DURATION FUND - DIRECT PLAN - 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. SBI LOW DURATION FUND - DIRECT PLAN - 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: 0.4%. 5-year CAGR: 6.30%.

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

SBI LOW DURATION FUND - DIRECT PLAN - GROWTH

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Low Duration Fund

Recent NAVs

Frequently asked questions

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