SBI

SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend

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).

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%	+6.99%	-6.99	219 / 763	Q2
1W	+0.13%	+6.38%	-6.24	141 / 722	Q1
2W	+0.28%	+6.63%	-6.35	132 / 725	Q1
1M	-0.05%	+6.29%	-6.34	359 / 752	Q2
3M	-0.14%	+7.87%	-8.01	503 / 728	Q3
6M	-0.04%	+9.67%	-9.71	455 / 642	Q3
YTD	+0.31%	+8.47%	-8.16	379 / 666	Q3
1Y	-0.11%	+13.70%	-13.80	423 / 591	Q3
2Y	+0.54%	-5.03%	+5.57	96 / 197	Q2
3Y	+1.09%	-3.09%	+4.18	53 / 140	Q2
4Y	+0.96%	+1.62%	-0.66	49 / 119	Q2
5Y	+1.02%	-0.16%	+1.17	37 / 102	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+1.13%	-3.28%	+4.41	361 / 797	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
2013 YTD	+0.31%	+1.77%	-1.46	52 / 101
2012	+0.45%	-0.30%	+0.75	48 / 113
2011	+0.61%	+1.75%	-1.14	46 / 109
2010	+2.24%	-0.95%	+3.18	47 / 165
2009	+0.24%	-0.31%	+0.55	263 / 482
2008	+3.09%	-5.54%	+8.63	103 / 250
2007	—	—	—	—

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

+1.23%

60 windows

min -0.1% · max 2.7%

93% positive

3-Year rolling

+1.27%

36 windows

min 1.0% · max 1.7%

100% positive

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

5-Year rolling

+1.19%

11 windows

min 1.0% · max 1.3%

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

0.52%

3-year · annualised

Sharpe ratio

-10.36

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.89%

Apr 2013 → Apr 2013

% positive months

83.3%

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
17 Jun 2013	₹1,068.7823
14 Jun 2013	₹1,068.0314
13 Jun 2013	₹1,067.8274
12 Jun 2013	₹1,067.5932
11 Jun 2013	₹1,067.5130
10 Jun 2013	₹1,067.3662
7 Jun 2013	₹1,066.8009
6 Jun 2013	₹1,066.5710
5 Jun 2013	₹1,066.3136
4 Jun 2013	₹1,066.0068

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.

SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend is a Income from SBI (Institutional plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend 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 - Institutional Plan - Monthly Dividend is managed by SBI. It's classified by AMFI under the 'Income' 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 - Institutional Plan - Monthly Dividend has delivered a absolute return of -0.11% — -13.8 pp behind the Income category average of 13.70%. The fund ranks #423 of 591 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend has delivered a CAGR of 1.09% — +4.18 pp ahead of the Income category average of -3.09%. The fund ranks #53 of 140 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend has delivered a CAGR of 1.02% — +1.17 pp ahead of the Income category average of -0.16%. The fund ranks #37 of 102 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend exactly 5 years ago would be worth approximately ₹105,189 today — a multiplier of 1.05×, based on the 5-year CAGR of 1.02%. The category average over the same window would have grown ₹1 lakh to ₹99,222.

A ₹10,000 monthly SIP in SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹612,971 today. That's an XIRR (money-weighted annualised return) of 0.84%.

SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹612,971 — XIRR 0.84%.

On a 5-year basis, SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend ranks #37 out of 102 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 -0.16%; this fund delivered 1.02%.

The worst peak-to-trough decline SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend has experienced over the last 5-year window is 3.34% — its NAV fell from a high on 31 Dec 2008 to a low on 28 Aug 2009. 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 - Institutional Plan - Monthly Dividend averaged 1.19% (best 1.29%, worst 1.02%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -10.66 — negative risk-adjusted performance.

In calendar year 2012, SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend returned 0.45% — beating the Income category average of -0.30% by 0.75 pp. It ranked #48 of 113 in its category that year.

SBI Short Horizon Debt Fund - Ultra Short Term Fund - Institutional Plan - Monthly Dividend 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 - Institutional Plan - Monthly Dividend 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: 3.3%. 5-year CAGR: 1.02%.

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