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InvestVerdict

SBI SHORT TERM FUND

Direct Plan · Growth · Mutual fund · Scheme code 119816

NAV₹36.3552as on 27 Oct 2026
Fund houseSBI Mutual Fund
CategoryMutual fund
Plan & optionDirect · Growth
History13.7 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.082.122.45 5.507.376.41 6.757.117.70

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 1.3% 0.65 1.11 — — -2.4% —

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

861542222902014201620182020202220242026InvestVerdict

Drawdown from peak (%)

0%-1%-2%-3%2014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
3,065 2.7% 8.0% 12.0% 0%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

InvestVerdict

SBI SHORT TERM FUND

Direct Plan · Growth

Allocation

By asset

Debt92.82%
Cash & Equivalents3.80%
REITs / InvITs3.02%
AIF Units0.36%

By market cap

Unclassified96.20%

Concentration

Number of stocks87
Top 5 stocks19.08%
Top 10 stocks31.50%
Top 20 stocks48.37%
Lines in the filing89
Largest holding4.32%
Largest sectorCRISIL AAA 37.35%
Effective stocks55.7
Sectors held13
Cash3.80%

Effective stocks is what the concentration works out to: a fund holding 87 names but most of its money in a few behaves like a fund of 56. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

CRISIL AAA — 37.4%Sovereign — 16.6%[ICRA]AAA — 14.3%CRISIL AAA(SO) — 9.6%CRISIL AA+ — 5.4%CRISIL AA — 5.2%Cash & Equivalents — 3.8%Other — 7.8%CRISIL AAA37.4%Sovereign16.6%[ICRA]AAA14.3%CRISIL AAA(SO)9.6%CRISIL AA+5.4%CRISIL AA5.2%Cash & Equivalents3.8%Other7.8%
CRISIL AAA37.35%
Sovereign16.58%
[ICRA]AAA14.29%
CRISIL AAA(SO)9.60%
CRISIL AA+5.41%
CRISIL AA5.22%
Cash & Equivalents3.80%
[ICRA]A1+1.73%
[ICRA]AA+1.53%
CRISIL A1+1.36%
IND AAA(SO)1.29%
[ICRA]AA0.88%
CARE AA0.60%
CDMDF0.36%
InvestVerdict

SBI SHORT TERM FUND

Direct Plan · Growth · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 6.94% CGL 2036 Sovereign 60,000,000 605 4.32%
2 Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) CRISIL AAA(SO) 600 586 4.19%
3 REC Ltd. CRISIL AAA 52,500 526 3.76%
4 National Bank for Agriculture and Rural Development CRISIL AAA 50,000 501 3.58%
5 7.43% State Government of Gujarat 2035 Sovereign 45,000,000 452 3.23%
6 Bajaj Finance Ltd. CRISIL AAA 45,000 450 3.22%
7 TREPS Unclassified — 415 2.97%
8 Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) CRISIL AAA(SO) 375 368 2.63%
9 7.31% State Government of Karnataka 2033 Sovereign 35,000,000 351 2.51%
10 Small Industries Development Bank of India CRISIL AAA 29,500 296 2.11%
11 JSW Kalinga Steel Ltd. CRISIL AA 26,500 274 1.95%
12 Radhakrishna Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) CRISIL AAA(SO) 275 268 1.91%
13 National Bank for Agriculture and Rural Development [ICRA]AAA 25,000 250 1.79%
14 Bajaj Auto Credit Ltd. [ICRA]AAA 25,000 251 1.79%
15 Mahindra Rural Housing Finance Ltd. CRISIL AAA 25,000 250 1.79%
16 7.75% State Government of Tamil Nadu 2032 Sovereign 22,500,000 232 1.65%
17 Jamnagar Utilities & Power Pvt. Ltd. CRISIL AAA 22,500 226 1.62%
18 National Bank for Agriculture and Rural Development [ICRA]AAA 22,500 223 1.60%
19 Toyota Financial Services India Ltd. [ICRA]AAA 22,500 224 1.60%
20 Mindspace Business Parks Reit [ICRA]AAA 22,500 223 1.59%
21 Cholamandalam Investment & Finance Co. Ltd. [ICRA]AA+ 21,500 214 1.53%
22 Cube Highways Trust [ICRA]AAA 21,040 210 1.50%
23 Aditya Birla Housing Finance Ltd. CRISIL AAA 20,000 202 1.44%
24 TATA Capital Ltd. CRISIL AAA 20,000 201 1.44%
25 Mindspace Business Parks Reit [ICRA]AAA 20,000 200 1.43%
26 REC Ltd. CRISIL AAA 20,000 200 1.43%
27 Anzen India Energy Yield Plus Trust CRISIL AAA 20,000 199 1.42%
28 Muthoot Finance Ltd. CRISIL AA+ 18,500 185 1.32%
29 Power Finance Corporation Ltd. CRISIL AAA 1,739 180 1.29%
30 India Universal Trust AL1 (Obligor - HDFC Bank Ltd.) IND AAA(SO) 208 180 1.29%
InvestVerdict

SBI SHORT TERM FUND

Direct Plan · Growth · where the money sits

What the manager did last month

Between the filings of 30 Jun 2026 and 31 Jul 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

BoughtSoldNew positionsSold out ofPrice move of holdings
₹0 cr ₹0 cr 0 1 -0.31%
StockShares tradedShares PriceValue
₹ cr
Sold out of
Mindspace Business Parks Reit 15,000 exited — 151
Not equityPrevious filingThis filingChange
Cash, repo and TREPS ₹0 cr ₹0 cr +₹0 cr
Debt: bills, CDs and commercial paper ₹12,907 cr ₹12,987 cr +₹81 cr

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹715,707 ₹115,707 6.99%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 28 Oct 2026.