SBI Debt Fund

SBI Funds Management has been serving over million investors and has a reliable and trustworthy performance history. SBI has been providing high-value opportunities to the investors and a chance for gaining optimum return rates on the investments.
The SBI Debt Fund invests money in different securities, including debt securities, to provide the investors with regular and low-risk incomes.

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There are a variety of short-term, mid-term, and long-term debt fund investments available with SBI Mutual Fund. 

Investment Facts

Parameter

Details

Fund Name 

SBI Debt Fund

Fund House

SBI Mutual Fund

Date of Launch

27th July 2007

Type

Open-Ended

Minimum Investment

INR 5000

Minimum SIP Investment

INR 500

Exit Load

NIL

Return Performance

High

Fund Consistency

Average

Risk Level

Moderate

Investment Objective

SBI Debt Funds generate income at regular intervals over short to mid-term periods. Debt Funds are proved to be an efficient choice for investors of short periods - a couple of days to months, for moderate-term and long term as well. 

SBI has been offering top-notch performing debt funds and can be efficient for investors willing to invest in debt or money marketing instruments. By investing in SBI Debt Funds, the investors can avail themselves of a steady income by taking the benefits of the debt markets. 

Some of the investment objectives which are proved to be beneficial for the SBI Debt Fund investors are:

  • Capital Appreciation: The investors will get a capital appreciation for low-risk and high-risk investments in SBI Mutual Funds.
  • Security: SBI has been one of the most trustworthy and reliable financial bodies in the country. So, the security of your investments is never an issue here.
  • NRI Investment: SBI also allows non-resident of India to invest in mutual funds.
  • Diverse Range: SBI offers comprehensive short-term and long-term investment options.
  • Fund Management: SBI has been an expert in managing domestic as well as offshore funds.

Who Should Invest?

SBI Debt Funds are ideal for those people who have a lower risk appetite. Debt Funds will allow the investors to have a more stable and consistent source of income compared to that of high-risk mutual fund schemes. 

Following are some reasons why debt funds will be suitable for investing in:

  • If you want a short maturity period: Many situations make us helpless, and we suffer from an urgent financial need. Most of the mutual fund schemes are long-term and have a long maturity period with exit load amounts.
    Suppose you want to invest in a short-term MF and want to avail some liquidity in your investment. In that case, SBI Debt Fund will be suitable for you since debt funds have no exit load charges, so the immediate withdrawal of money will not have any retribution charges. 
  • If you are willing to achieve short-term financial goals: If your desired investment horizon is short and you want to invest in low to moderate risk funds, then the debt will be a suitable mutual fund for you.
  • If you have a low-risk tolerance: Debt Funds are popular for their consistent source of income, and investing in a debt fund will be far less risky than other mutual fund schemes.
    Investing in a debt fund will also allow you to satisfy your low-risk appetite with considerable gains. Your investments will continue to evolve at consistent rates; hence lump sum gains will be lucrative. 
  • If you want your investments to be flexible: SIB Debt Funds offer you flexible investment options. The scheme provides you with the SIP service, and with this, you can easily make your regular investments through your bank account. The minimum SIP investment is also affordable.
    All you have to do is inform your bank branch and provide an amount that will be debited and invested in the debt fund at regular intervals. 
  • Suppose you want to diversify your investment portfolio. In that case, Debt Funds are suitable for low-risk investors and those investors who want to diversify their investment horizon into more mutual fund schemes. If you have already invested in a high-risk mutual fund scheme but want to secure your monetary assets with some more consistent schemes, then debt funds will be suitable for you.

Various SBI Debt Funds

This section will mention some of the most efficient and trustworthy debt funds provided by SBI Mutual Funds. The company provides several schemes under debt funds, and it can get quite tricky and complicated with the wide range.

The following are the best SBI Debt Funds that will be enticing to most of the investors:

Fund Summary

Risk Level

Moderate

NAV

INR 2589.5223

Expense Ratio

0.82

Yield to Maturity

4.85%

Sharpe Ratio

1.28

  1. SBI Banking and PSU Fund (Growth)

    The investors can avail themselves of regular income by merging the investment portfolio of the money market and short-term debt securities.

    Risk Level

    Moderate

    NAV

    INR 34.839

    Expense Ratio

    1.54

    Yield to Maturity

    6.78%

    Sharpe Ratio

    2.9

  2. SBI Credit Risk Fund (Growth)

    This fund provides the investors with the opportunity of gaining enticing returns while maintaining the liquidity in their finances. This scheme generates returns from highly-producing debt securities. 

    Risk Level

    Moderate

    NAV

    INR 39.9011

    Expense Ratio

    1.12

    Yield to Maturity

    5.67%

    Sharpe Ratio

    1.95

  3. SBI Magnum Medium Duration Fund (Growth)

    This scheme will invest the financial collection in debt and money marketing investments to gain risk-adjusted returns.

    Risk Level

    Moderate

    NAV

    INR 55.5705

    Expense Ratio

    1.47

    Yield to Maturity

    5.44%

    Sharpe Ratio

    1.67

  4. SBI Magnum Income Fund (Growth)

    This fund will provide higher returns through regular dividends and capital gains than the schemes investing in debt and money marketing securities.

    Risk Level

    Low

    NAV

    INR 49.9284

    Expense Ratio

    0.64

    Yield to Maturity

    6.52%

    Sharpe Ratio

    0.37

  5. SBI Magnum Constant Maturity Fund (Growth)

    This fund allows the investors to make investments in government securities introduced by the State and Central Government. 

    Risk Level

    Moderate

    NAV

    INR 50.9376

    Expense Ratio

    0.97

    Yield to Maturity

    4.56%

    Sharpe Ratio

    0.63

  6. SBI Magnum Gilt Fund (Growth)

    The investors can invest in securities implemented by the government, such as the Central Government or the State Governments of India.

    Risk Level

    Low

    NAV

    INR 2772.38

    Expense Ratio

    0.9

    Yield to Maturity

    4.09%

    Sharpe Ratio

    1.67

  7. SBI Magnum Low Duration Fund (Growth)

    This fund allows the investors to gain high returns without compromising the liquidity in their investments.

    Risk Level

    Low

    NAV

    INR 4710.61

    Expense Ratio

    0.52

    Yield to Maturity

    3.56%

    Sharpe Ratio

    1.71

  8. SBI Magnum Ultra Short Duration Fund (Growth)

    This short-term fund helps investors yield and avail of those high returns without waiting for an extended period.

    Risk Level

    Low

    NAV

    INR 32.7981

    Expense Ratio

    0.81

    Yield to Maturity

    3.77%

    Sharpe Ratio

    1.71

  9. SBI Savings Fund (Growth)

    This fund makes investments in fixed-rate securities as well as Floating Rate debt securities for maximum capital appreciation.

    Risk Level

    Low

    NAV

    INR 25.3324

    Expense Ratio

    0.84

    Yield to Maturity

    4.72%

    Sharpe Ratio

    1.26

Fund Returns Summary

Return Rates up to 1 year are calculated on an Absolute Basis, whereas for more than one year are evaluated on Compound Annual Growth Rate Basis.

SBI Banking and PSU Fund (Growth)

Duration

Returns

1 Month

0.4 %

3 Months

2 %

1 Year

5.4 %

3 Years

8.4 %

5 Years

7.8 %

SBI Credit Risk Fund (Growth)

Duration

Returns

1 Month

0.6 %

3 Months

2.3 %

1 Year

8.3 %

3 Years

7.6 %

5 Years

7.5 %

SBI Magnum Medium Duration Fund (Growth)

Duration

Returns

1 Month

0.6 %

3 Months

2.4 %

1 Year

7.5 %

3 Years

9.7 %

5 Years

9.2 %

SBI Magnum Income Fund (Growth)

Duration

Returns

1 Month

0.6 %

3 Months

2.3 %

1 Year

6.9 %

3 Years

9.7 %

5 Years

8.7 %

SBI Magnum Constant Maturity Fund (Growth)

Duration

Returns

1 Month

0.2 %

3 Months

2.9 %

1 Year

3.7 %

3 Years

10.3 %

5 Years

9.5 %

SBI Magnum Gilt Fund (Growth)

Duration

Returns

1 Month

0.2 %

3 Months

1.9 %

1 Year

4.2 %

3 Years

10.3 %

5 Years

9.3 %

SBI Magnum Low Duration Fund (Growth)

Duration

Returns

1 Month

0.3 %

3 Months

1 %

1 Year

4.2 %

3 Years

6.9 %

5 Years

7 %

SBI Magnum Ultra Short Duration (Growth)

Duration

Returns

1 Month

0.3 %

3 Months

0.9 %

1 Year

3.9 %

3 Years

6.6 %

5 Years

6.7 %

SBI Savings Fund (Growth)

Duration

Returns

1 Month

0.2 %

3 Months

0.9 %

1 Year

3.9 %

3 Years

6.3 %

5 Years

6.5 %

SBI Short Term Debt Fund (Growth)

Duration

Returns

1 Month

0.4 %

3 Months

1.8 %

1 Year

5.1 %

3 Years

8.1 %

5 Years

7.5 %

In Conclusion

The SBI Debt Fund has been proven to be the most remarkable mutual fund for short-term investors who do not want to take any extreme risks and still want to maximize their investments continually.

If your situation is similar and is looking for an efficient way to invest your idle money and utilize it, debt funds are an admirable way to process that. Without any powerful risk management mindset, investors can easily invest in a debt fund.

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