Should I invest in SBI Short Horizon Debt Fund - Ultra Short Term Fund?

We don't give personal investment advice. SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail 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: 5.79%.

SBI

SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 13 Jan 2012. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹3,674.8315

As of

12 Jun 2026

4,567 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	+0.04%	+0.04%	-0.01	16 / 20	Q4
1W	+0.26%	+0.19%	+0.07	14 / 20	Q3
2W	+0.56%	+0.41%	+0.15	12 / 20	Q3
1M	+0.53%	+0.39%	+0.14	10 / 20	Q2
3M	+1.36%	+0.76%	+0.60	6 / 20	Q2
6M	+2.43%	+1.11%	+1.32	8 / 20	Q2
YTD	+2.13%	+1.00%	+1.12	6 / 20	Q2
1Y	+5.25%	+2.12%	+3.14	8 / 20	Q2
2Y	+6.58%	+2.74%	+3.84	7 / 20	Q2
3Y	+6.67%	+2.72%	+3.95	7 / 20	Q2
4Y	+6.54%	+2.69%	+3.85	7 / 20	Q2
5Y	+5.79%	+2.35%	+3.44	7 / 20	Q2
7Y	+5.93%	+2.47%	+3.45	4 / 20	Q1
10Y	+6.39%	+2.02%	+4.36	2 / 20	Q1
Inception	+7.14%	+1.99%	+5.15	1 / 17	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
2026 YTD	+2.13%	+1.00%	+1.12	6 / 20
2025	+7.01%	+2.87%	+4.14	7 / 20
2024	+7.22%	+2.89%	+4.33	6 / 20
2023	+6.75%	+2.68%	+4.08	4 / 20
2022	+4.03%	+1.49%	+2.53	8 / 20
2021	+3.17%	+1.43%	+1.74	7 / 20
2020	+6.68%	+3.27%	+3.41	5 / 20
2019	+8.24%	+0.78%	+7.47	1 / 20
2018	+7.43%	+1.56%	+5.87	1 / 20
2017	+6.62%	+1.17%	+5.45	1 / 20
2016	+8.28%	+1.94%	+6.34	2 / 20

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

+7.19%

218 windows

min 2.9% · max 9.8%

100% positive

3-Year rolling

+7.21%

194 windows

min 4.4% · max 9.3%

100% positive

5-Year rolling

+7.31%

169 windows

min 5.5% · max 9.1%

100% positive

7-Year rolling

+7.43%

145 windows

min 5.9% · max 8.7%

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

0.53%

3-year · annualised

Sharpe ratio

-0.03

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.23%

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 Cash Management Fund Treasury Advantage - Retail Plan Daily Dividend Option	HDFC	₹10.1423	12 Jun 2026
SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Monthly Dividend	SBI	₹1,611.7325	12 Jun 2026
UTI - Treasury Advantage Fund - Retail Weekly Dividend Option	UTI	₹1,089.7817	12 Jun 2026
Axis Treasury Advantage Fund - Retail Plan - Daily IDCW	Axis	₹1,012.4736	12 Jun 2026
Reliance Money Manager Fund-Retail Plan Bonus Option	Reliance	₹2,804.5962	12 Jun 2026

Recent NAVs

Date	NAV
12 Jun 2026	₹3,674.8315
11 Jun 2026	₹3,673.5396
10 Jun 2026	₹3,675.8478
9 Jun 2026	₹3,674.6758
8 Jun 2026	₹3,669.7526
5 Jun 2026	₹3,665.3697
4 Jun 2026	₹3,659.6742
3 Jun 2026	₹3,658.7323
2 Jun 2026	₹3,658.7546
1 Jun 2026	₹3,657.1308

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 12 Jun 2026, the NAV of SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth is ₹3,674.8315. It's a Low Duration Fund from SBI, run as a Retail plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth has NAV history starting from 02 Aug 2007, a track record of about 18 years 10 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.

SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail 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 Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth has delivered a absolute return of 5.25% — +3.14 pp ahead of the Low Duration Fund category average of 2.12%. The fund ranks #8 of 20 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth has delivered a CAGR of 6.67% — +3.95 pp ahead of the Low Duration Fund category average of 2.72%. The fund ranks #7 of 20 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth has delivered a CAGR of 5.79% — +3.44 pp ahead of the Low Duration Fund category average of 2.35%. The fund ranks #7 of 20 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth exactly 10 years ago would be worth approximately ₹185,700 today — a multiplier of 1.86×, based on the 10-year CAGR of 6.39%. The category average over the same window would have grown ₹1 lakh to ₹122,148.

A ₹10,000 monthly SIP in SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹704,388 today. That's an XIRR (money-weighted annualised return) of 6.35%.

A ₹10,000 monthly SIP for 10 years in SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,644,377 (multiplier 1.37×). XIRR: 6.13%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth ranks #7 out of 20 funds in the Low Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.35%; this fund delivered 5.79%.

The worst peak-to-trough decline SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth has experienced over the last 5-year window is 0.38% — 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 Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth averaged 7.31% (best 9.07%, worst 5.54%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.29 — negative risk-adjusted performance.

In calendar year 2025, SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail Plan - Growth returned 7.01% — beating the Low Duration Fund category average of 2.87% by 4.13 pp. It ranked #7 of 20 in its category that year.

SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail 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 Short Horizon Debt Fund - Ultra Short Term Fund - Retail 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: 5.79%.

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

SBI Short Horizon Debt Fund - Ultra Short Term Fund - Retail 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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