SBI Short Term Debt Fund Regular Growth
DebtShort DurationLow to Moderate Risk
Regular
NAV (18-Jun-25)
₹32.220.02%1D
Returns (Since Inception)
0.00%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹14,733 Cr
Expense Ratio
0.85%
ISIN
INF200K01HZ8
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
27 Jul 2007
About this fund
SBI Short Term Debt Fund Regular Growth is a Short Duration mutual fund schemes offered by SBI Mutual Fund. This fund has been in existence for 17 years, 10 months and 23 days, having been launched on 27-Jul-07.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹32.22, Assets Under Management (AUM) of 14733.18 Crores, and an expense ratio of 0.85%.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹32.22, Assets Under Management (AUM) of 14733.18 Crores, and an expense ratio of 0.85%.
- The fund's asset allocation comprises around 0.00% in equities, 90.25% in debts, and 9.50% in cash & cash equivalents.
- You can start investing in SBI Short Term Debt Fund Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+9.31%
+9.49% (Cat Avg.)
3 Years
+7.52%
+7.84% (Cat Avg.)
5 Years
+5.99%
+6.67% (Cat Avg.)
10 Years
+7.09%
+6.51% (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Debt | ₹13,296.25 Cr | 90.25% |
| Others | ₹1,436.93 Cr | 9.75% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹952.23 Cr | 6.46% |
| 7.17% Govt Stock 2030 | Bond - Gov't/Treasury | ₹864.19 Cr | 5.87% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹673.35 Cr | 4.57% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹514.2 Cr | 3.49% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹511.38 Cr | 3.47% |
| National Bank For Agriculture And Rural Development | Bond - Corporate Bond | ₹511.28 Cr | 3.47% |
| Rec Limited | Bond - Corporate Bond | ₹510.7 Cr | 3.47% |
| The Federal Bank Limited | Cash - CD/Time Deposit | ₹442.33 Cr | 3.00% |
| TATA Communications Limited | Bond - Corporate Bond | ₹404.84 Cr | 2.75% |
| Jamnagar Utilities & Power Private Limited | Bond - Corporate Bond | ₹401.24 Cr | 2.72% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹332.19 Cr | 2.25% |
| Net Receivable / Payable | Cash - Collateral | ₹318.26 Cr | 2.16% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹316.74 Cr | 2.15% |
| Aditya Birla Housing Finance Limited | Bond - Corporate Bond | ₹304.69 Cr | 2.07% |
| Mindspace Business Parks Reit | Bond - Corporate Bond | ₹304.57 Cr | 2.07% |
| Toyota Financial Services India Limited | Bond - Corporate Bond | ₹302.35 Cr | 2.05% |
| Smfg India Credit Company Limited | Bond - Corporate Bond | ₹282.94 Cr | 1.92% |
| Toyota Financial Services India Limited | Bond - Corporate Bond | ₹279.6 Cr | 1.90% |
| Godrej Industries Limited | Bond - Corporate Bond | ₹276.04 Cr | 1.87% |
| National Housing Bank | Bond - Corporate Bond | ₹257.66 Cr | 1.75% |
| Mahindra Rural Housing Finance Limited | Bond - Corporate Bond | ₹253.38 Cr | 1.72% |
| Hindustan Petroleum Corporation Limited | Bond - Corporate Bond | ₹252.57 Cr | 1.71% |
| Muthoot Finance Limited | Bond - Corporate Bond | ₹251.72 Cr | 1.71% |
| Treps | Cash - Repurchase Agreement | ₹227.59 Cr | 1.54% |
| NTPC Ltd. | Cash - Commercial Paper | ₹214.37 Cr | 1.46% |
| TATA Motors Limited | Bond - Corporate Bond | ₹203.25 Cr | 1.38% |
| TATA Projects Limited | Bond - Corporate Bond | ₹202.71 Cr | 1.38% |
| Mindspace Business Parks Reit | Bond - Corporate Bond | ₹202.55 Cr | 1.37% |
| Anzen India Energy Yield Plus TRust | Bond - Corporate Bond | ₹202.51 Cr | 1.37% |
| Cube Highways TRust | Bond - Corporate Bond | ₹202.01 Cr | 1.37% |
| INDIA UNIVERSAL TRUST AL1 | Bond - Asset Backed | ₹201.87 Cr | 1.37% |
| Hdb Financial Services Limited | Bond - Corporate Bond | ₹200.32 Cr | 1.36% |
| Ongc Petro Additions Limited | Bond - Corporate Bond | ₹197.98 Cr | 1.34% |
| Small Industries Development Bank Of India | Bond - Corporate Bond | ₹183.9 Cr | 1.25% |
| INDIA UNIVERSAL TRUST AL2 | Bond - Asset Backed | ₹178.01 Cr | 1.21% |
| Smfg India Home Finance Company Limited | Bond - Corporate Bond | ₹176.77 Cr | 1.20% |
| Mindspace Business Parks Reit | Bond - Corporate Bond | ₹152.41 Cr | 1.03% |
| Tata Capital Limited | Bond - Corporate Bond | ₹152.38 Cr | 1.03% |
| Bajaj Finance Limited | Bond - Corporate Bond | ₹152.28 Cr | 1.03% |
| Aditya Birla Capital Limited | Bond - Corporate Bond | ₹151.42 Cr | 1.03% |
| Can Fin Homes Limited | Bond - Corporate Bond | ₹150.66 Cr | 1.02% |
| 7.17% State Government Of Tamil Nadu 2033 | Bond - Gov't/Treasury | ₹143.32 Cr | 0.97% |
| Mahindra Rural Housing Finance Limited | Bond - Corporate Bond | ₹127.37 Cr | 0.86% |
| Aditya Birla Housing Finance Limited | Bond - Corporate Bond | ₹127.12 Cr | 0.86% |
| TVS Credit Services Limited | Bond - Corporate Bond | ₹110.32 Cr | 0.75% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹102.38 Cr | 0.69% |
| Rec Limited | Bond - Corporate Bond | ₹102.05 Cr | 0.69% |
| Tata Capital Housing Finance Limited | Bond - Corporate Bond | ₹101.69 Cr | 0.69% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹86.9 Cr | 0.59% |
| Torrent Power Limited | Bond - Corporate Bond | ₹86.64 Cr | 0.59% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹76.75 Cr | 0.52% |
| Toyota Financial Services India Limited | Bond - Corporate Bond | ₹75.59 Cr | 0.51% |
| LIC Housing Finance Ltd | Bond - Corporate Bond | ₹74.02 Cr | 0.50% |
| Indian Railway Finance Corporation Limited | Bond - Corporate Bond | ₹51.42 Cr | 0.35% |
| Nexus Select TRust | Bond - Corporate Bond | ₹51.27 Cr | 0.35% |
| Export Import Bank Of India | Bond - Corporate Bond | ₹51.25 Cr | 0.35% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹51.15 Cr | 0.35% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹51.08 Cr | 0.35% |
| Rec Limited | Bond - Corporate Bond | ₹50.97 Cr | 0.35% |
| Smfg India Credit Company Limited | Bond - Corporate Bond | ₹50.11 Cr | 0.34% |
| Godrej Industries Limited | Cash - Commercial Paper | ₹49.98 Cr | 0.34% |
| Axis Bank Limited | Cash - CD/Time Deposit | ₹49.2 Cr | 0.33% |
| Indian Bank | Cash - CD/Time Deposit | ₹47.67 Cr | 0.32% |
| Corporate Debt Market Development Fund-A2 | Mutual Fund - Open End | ₹37.43 Cr | 0.25% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹30.91 Cr | 0.21% |
| Bharti Telecom Limited | Bond - Corporate Bond | ₹25.95 Cr | 0.18% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹25.44 Cr | 0.17% |
| 06.75 RJ Sdl 2030 | Bond - Gov't/Treasury | ₹10.22 Cr | 0.07% |
| Rec Limited | Bond - Corporate Bond | ₹10.19 Cr | 0.07% |
| 07.66 Tn SDL 2033 | Bond - Gov't/Treasury | ₹2.09 Cr | 0.01% |
| Reserve Bank Of India | Bond - Gov't Agency Debt | ₹1.25 Cr | 0.01% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Instruments | Amount | Holdings |
|---|---|---|
| Bond - Corporate Bond | ₹10,319.81 Cr | 70.04% |
| Bond - Gov't/Treasury | ₹2,645.41 Cr | 17.96% |
| Cash - CD/Time Deposit | ₹539.19 Cr | 3.66% |
| Bond - Asset Backed | ₹379.89 Cr | 2.58% |
| Cash - Collateral | ₹318.26 Cr | 2.16% |
| Cash - Commercial Paper | ₹264.35 Cr | 1.79% |
| Cash - Repurchase Agreement | ₹227.59 Cr | 1.54% |
| Mutual Fund - Open End | ₹37.43 Cr | 0.25% |
| Bond - Gov't Agency Debt | ₹1.25 Cr | 0.01% |
Risk & Performance Ratios
Standard Deviation
This fund
0.94%
Cat. avg.
1.43%
Lower the better
Sharpe Ratio
This fund
0.81
Cat. avg.
0.82
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
2.29
Higher the better
Fund Managers
MS
Mansi Sajeja
Since December 2023
Additional Scheme Detailsas of 31st May 2025
ISIN | INF200K01HZ8 | Expense Ratio | 0.85% | Exit Load | No Charges | Fund Size | ₹14,733 Cr | Age | 17 years 10 months | Lumpsum Minimum | ₹5,000 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL Short Duration Debt TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- For investments made on or after 1 April 2023: The entire capital gain is added to the investor's income and is taxed based on the applicable income tax slab.
- For investments made before 1 April 2023:
- If sold within 2 years of investment: The capital gains are added to the investor's income and taxed according to the applicable tax slab.
- If sold after 2 years of investment: The capital gains are taxed at a flat rate of 12.5%.
- Holding the units: No tax is applicable as long as you hold the units.
Dividend Taxation:
Dividends are considered part of the investor’s income and are taxed according to their applicable tax slab. Additionally, if an investor’s dividend income exceeds INR 5,000 in a financial year, a 10% Tax Deducted at Source (TDS) is withheld by the fund house before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Short Duration Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Union Short Duration Fund Direct Growth Low Risk | 0.3% | 0.0% | ₹721.97 Cr | - |
| Union Short Duration Fund Regular Growth Low Risk | 0.7% | 0.0% | ₹721.97 Cr | - |
| HSBC Short Duration Fund Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹3928.37 Cr | 9.9% |
| Groww Short Duration Fund Direct Growth Moderate Risk | 0.4% | 0.0% | ₹71.52 Cr | 9.9% |
| Groww Short Duration Fund Regular Growth Moderate Risk | 1.1% | 0.0% | ₹71.52 Cr | 8.7% |
| Invesco India Short Term Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹1051.40 Cr | 9.8% |
| ICICI Prudential Short Term Fund Direct Growth Moderate Risk | 0.5% | 0.0% | ₹21283.50 Cr | 9.7% |
| Sundaram Short Duration Fund Direct Growth Moderate Risk | 0.3% | 0.0% | ₹214.18 Cr | 9.9% |
| Bandhan Bond Fund - Short Term Plan Direct Growth Low to Moderate Risk | 0.3% | 0.0% | ₹10116.37 Cr | 10.0% |
| Nippon India Short Term Fund Direct Growth Low to Moderate Risk | 0.4% | 0.0% | ₹7057.73 Cr | 10.3% |
About the AMC
Total AUM
₹11,01,967 Cr
Address
C-38 & 39, G Block, Bandra Kurla Complex, Mumbai, 400 051
Other Funds by SBI Mutual Fund
Risk Level
Your principal amount will be at Low to Moderate Risk
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We're here to help.
What is the current NAV of SBI Short Term Debt Fund Regular Growth?
The NAV of SBI Short Term Debt Fund Regular Growth, as of 18-Jun-2025, is ₹32.22.
What are the returns of SBI Short Term Debt Fund Regular Growth?
The fund has generated 9.31% over the last 1 year and 7.52% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of SBI Short Term Debt Fund Regular Growth?
The fund's allocation of assets is distributed as 0.00% in equities, 90.25% in bonds, and 9.50% in cash and cash equivalents.
Who manages the SBI Short Term Debt Fund Regular Growth?
The fund managers responsible for SBI Short Term Debt Fund Regular Growth are:-
- Mansi Sajeja
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.