HealthyDirect · GrowthFit for a long SIP
SBI DYNAMIC TERM FUND
SBI Mutual FundIncome/Debt Oriented Schemes - Dynamic Term Fund13.8 years
- NAV
- 41.4476
- 27 Oct 2026
- 1Y
- +4.6%
- Trailing CAGR
- AUM
- ₹3,502.48 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.3% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 26 Oct 2026
Stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 88% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.64% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -8.9%. Ask whether you can hold through a similar fall.
Vs category
Pass
88% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 98.4% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+4.6%
- 3Y+7.3%
- 5Y+6.7%
- 10Y+7.4%
- SI+8.0%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+4.5%
- 3Y+6.0%
- 5Y+6.8%
- 10Y+7.1%
- Since inception
- +8.0%
- Calendar-day CAGR
- Excess 1Y
- +2.2%
- Category median, same plan and option
- 3Y win rate
- +88%
- Windows beating the median
- 3Y percentile
- 80
- Vs comparable share classes
- SIP 3Y XIRR
- +6.0%
- Simulated monthly SIP
- Worst rolling 3Y
- +4.7%
- 2611 daily-ending windows
- Median rolling 3Y
- +8.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2128 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -8.9%
- Worst peak-to-trough
- Current
- -0.3%
- Below last peak
- Current spell
- 10 days
- Days below latest peak
- Time below peak
- +73%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 8 days
- 286 recovered episodes
- Longest recovery
- 289 days
- Trough to prior peak
27 May 2013 – 4 Jun 2014
Trough 19 Aug 2013 · recovered in 289 days
-8.9%
9 Mar 2020 – 20 Apr 2020
Trough 19 Mar 2020 · recovered in 32 days
-3.2%
7 Sept 2017 – 5 Apr 2018
Trough 1 Feb 2018 · recovered in 63 days
-2.5%
5 Aug 2020 – 2 Sept 2020
Trough 26 Aug 2020 · recovered in 7 days
-2.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
80
Vs category
64
Consistency
73
Risk-adjusted
57
Drawdown
78
Mean
70
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 88% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 21 holdings · top 10 are 98.4%.
- Top 5
- 75.8%
- Top 10
- 98.4%
- Largest holding
- 33.1%
- Effective holdings
- 5.5
Net Receivables
Unspecified
33.1%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
19.7%
HDFC Bank Ltd (15-Jan-2027)
Financial
9.8%
7.28% State Government of Andhra Pradesh 2032
Financial
7.0%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 27A 7.16 BD 14DC29 FVRS1LAC
Financial
6.3%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Kotak Dynamic Term Fund
Kotak Mahindra Mutual Fund
- 1Y
- +4.0%
- 3Y
- +7.6%
- Vol
- 2.4%
- Max DD
- -3.2%
- Sharpe
- 1.07
- 3Y win
- +89%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
- Higher trailing returns
ICICI Prudential Dynamic Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +3.3%
- 3Y
- +7.1%
- Vol
- 2.5%
- Max DD
- -3.6%
- Sharpe
- 1.32
- 3Y win
- +100%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
360 ONE Dynamic Term Fund
360 ONE Mutual Fund
- 1Y
- +3.2%
- 3Y
- +7.7%
- Vol
- 2.7%
- Max DD
- -8.0%
- Sharpe
- 0.50
- 3Y win
- +42%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
Axis Dynamic Term Fund
Axis Mutual Fund
- 1Y
- +4.6%
- 3Y
- +7.3%
- Vol
- 3.3%
- Max DD
- -7.1%
- Sharpe
- 0.71
- 3Y win
- +77%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Groww Dynamic Term Fund
Groww Mutual Fund
- 1Y
- +2.6%
- 3Y
- +5.7%
- Vol
- 1.9%
- Max DD
- -2.3%
- Sharpe
- 0.05
- 3Y win
- +0%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns