Should I invest in SBI SHORT TERM DEBT FUND?

We don't give personal investment advice. SBI SHORT TERM DEBT 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: 0.8%. 5-year CAGR: 6.24%.

SBI

SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH

Latest NAV

₹35.6616

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	+0.06%	+0.04%	+0.01	13 / 27	Q2
1W	+0.25%	-0.70%	+0.95	8 / 29	Q2
2W	+0.30%	+2.94%	-2.64	17 / 28	Q3
1M	+0.14%	+3.47%	-3.33	21 / 28	Q3
3M	+0.39%	+3.91%	-3.52	22 / 28	Q4
6M	+1.41%	+5.05%	-3.64	21 / 27	Q4
YTD	+1.23%	+4.94%	-3.71	20 / 27	Q3
1Y	+4.38%	+7.52%	-3.14	14 / 27	Q3
2Y	+7.12%	+9.69%	-2.56	15 / 25	Q3
3Y	+7.12%	+8.64%	-1.52	15 / 25	Q3
4Y	+7.11%	+8.45%	-1.34	15 / 23	Q3
5Y	+6.24%	+7.72%	-1.48	14 / 21	Q3
7Y	+6.88%	+7.60%	-0.72	11 / 20	Q3
10Y	+7.20%	+7.77%	-0.56	10 / 17	Q3
Inception	+7.68%	+7.44%	+0.23	10 / 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	+1.23%	+1.37%	-0.14	18 / 24
2025	+8.24%	+15.76%	-7.52	7 / 24
2024	+8.22%	+8.00%	+0.23	17 / 24
2023	+7.25%	+3.00%	+4.25	15 / 25
2022	+4.05%	+4.91%	-0.87	7 / 22
2021	+3.26%	+4.77%	-1.50	18 / 19
2020	+10.32%	+8.81%	+1.51	9 / 20
2019	+10.04%	+6.89%	+3.15	8 / 19
2018	+6.53%	+6.62%	-0.09	10 / 18
2017	+6.22%	+6.64%	-0.42	13 / 18
2016	+10.44%	+10.25%	+0.19	6 / 18

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

+7.83%

152 windows

min 2.8% · max 11.9%

100% positive

3-Year rolling

+7.66%

127 windows

min 4.8% · max 10.3%

100% positive

5-Year rolling

+7.53%

103 windows

min 6.2% · max 8.9%

100% positive

7-Year rolling

+7.67%

79 windows

min 6.8% · max 9.2%

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

1.20%

3-year · annualised

Sharpe ratio

0.34

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.48%

Mar 2026 → Apr 2026

% positive months

97.2%

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 Short Duration Fund

Scheme	Fund house	NAV	As of
HDFC Short Term Debt Fund - Growth Option - Direct Plan	HDFC	₹34.6078	3 Jun 2026
Nippon India Short Duration Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹60.1021	3 Jun 2026
ICICI Prudential Short Term Fund - Direct Plan - Growth Option	ICICI Prudential	₹69.0732	3 Jun 2026
Invesco India Short Duration Fund - Direct Plan - Growth	Invesco	₹4,112.3349	3 Jun 2026
Bandhan Short Duration Fund - Direct Plan - Growth	Bandhan	₹64.1516	3 Jun 2026
Aditya Birla Sun Life Short Term Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹53.9139	3 Jun 2026
Franklin India Short Tem Income Plan - Segregated Portfolio 3 (9.50% Yes Bank Ltd CO 23Dec21) - Direct Retail Plan Growth Option	Franklin India	₹0.0000	3 Jun 2026
Mirae Asset Short Duration Fund - Direct Plan - Growth	Mirae Asset	₹17.4069	3 Jun 2026
Kotak Bond Short Term Plan-(Growth) - Direct	Kotak	₹59.9322	3 Jun 2026
DSP Short Term Fund - Direct Plan - Growth	DSP	₹52.7776	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹35.6616
2 Jun 2026	₹35.6713
1 Jun 2026	₹35.6514
31 May 2026	₹35.6503
29 May 2026	₹35.6372
27 May 2026	₹35.5981
26 May 2026	₹35.5809
25 May 2026	₹35.5736
22 May 2026	₹35.5300
21 May 2026	₹35.5186

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 SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH is ₹35.6616. It's a Short Duration Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

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

Over the trailing 1-year window, SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH has delivered a absolute return of 4.38% — -3.14 pp behind the Short Duration Fund category average of 7.52%. The fund ranks #14 of 27 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH has delivered a CAGR of 7.12% — -1.52 pp behind the Short Duration Fund category average of 8.64%. The fund ranks #15 of 25 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH has delivered a CAGR of 6.24% — -1.48 pp behind the Short Duration Fund category average of 7.72%. The fund ranks #14 of 21 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH exactly 10 years ago would be worth approximately ₹200,481 today — a multiplier of 2.00×, based on the 10-year CAGR of 7.20%. The category average over the same window would have grown ₹1 lakh to ₹211,252.

A ₹10,000 monthly SIP in SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹711,834 today. That's an XIRR (money-weighted annualised return) of 6.77%.

A ₹10,000 monthly SIP for 10 years in SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH = ₹1,200,000 invested. It would currently be worth ₹1,705,744 (multiplier 1.42×). XIRR: 6.84%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH ranks #14 out of 21 funds in the Short Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 7.72%; this fund delivered 6.24%.

The worst peak-to-trough decline SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH has experienced over the last 5-year window is 0.78% — its NAV fell from a high on 07 Apr 2022 to a low on 09 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 TERM DEBT FUND - DIRECT PLAN -GROWTH averaged 7.53% (best 8.93%, worst 6.17%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.34 — negative risk-adjusted performance.

In calendar year 2025, SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH returned 8.24% — lagging the Short Duration Fund category average of 15.76% by 7.52 pp. It ranked #7 of 24 in its category that year.

SBI SHORT TERM DEBT 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 SHORT TERM DEBT 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: 0.8%. 5-year CAGR: 6.24%.

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

SBI SHORT TERM DEBT FUND - DIRECT PLAN -GROWTH

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Short Duration Fund

Recent NAVs

Frequently asked questions

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