SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund
This is the Direct plan of SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund — bought from the fund house, with no distributor commission in its expense ratio. Income is retained in the fund, so it shows up as NAV rather than as a payout.
NAV history
Scorecard
Not ratedHow this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. Not rated — this fund has no full year of NAV history yet. A rating needs at least a 1-year return to rank its performance against peers.
Not enough Index Funds peers to rank yet
Volatility 0.7% vs 12.3% category avg
0.1% expense vs 0.5% category avg
Not enough history for a rolling 3Y view
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Less volatile than its Index Funds peers (0.7% vs 12.3%)
- Low expense ratio (0.13%) vs the Index Funds average of 0.50%
Concerns
No significant concerns identified.
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Fund vs category average (Index Funds)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | +0.30% | -3.94% | +4.24% |
| 3M abs | +1.48% | -3.19% | +4.67% |
| 6M abs | — | +5.90% | — |
| 1Y CAGR | — | -0.08% | — |
| 3Y CAGR | — | +9.25% | — |
| 5Y CAGR | — | +8.29% | — |
Category average across peers in Index Funds (376 of 381 carry a figure for at least one period), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
5 monthly installments of ₹10,000 into SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Debt97.17%
- Cash & Equivalents2.83%
AMC Profile
SBI Mutual Fund is a joint venture between the State Bank of India and Amundi of France, and was set up in 1987 as the first fund house in India outside UTI. It is the largest by assets, helped by managing a share of the EPFO's ETF investments.
Fund Managers
RRRajeev RadhakrishnanStart date not disclosed
Chief Investment Officer Fixed Income
B.E (Production). MMS (Finance), CFA
Total experience of 22 years in funds management. Around 16 years in Fixed Income funds management and dealing. Previously he was associated UTI Asset Management Company Ltd. as Co - Fund Manager Past experiences: • SBI Funds Management Limited - (From June 09, 2008 onwards) • Co - Fund Manager - UTI Asset Management Company Limited (June 2001-2008)
- SBI AGGRESSIVE HYBRID FUND
- SBI Balanced Advantage Fund
- SBI Corporate Bond Fund
- SBI Crisil - IBX SDL Index - June 2034 Index Fund
- SBI CRISIL-IBX 10:90 Gilt + SDL Index - Dec 2029 Index Fund
- SBI CRISIL-IBX Financial Services 3-6 Months Debt Index Fund
- SBI Floating Interest Rates Fund
- SBI LIQUID FUND
- SBI Money Market Fund
- SBI Nifty G-sec Jul 2031 Index Fund
Fund manager, benchmark and dealing terms from this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.
Explore from here
SBI in the news
Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.
Amol Joshi Appointed Chief Financial Officer at SBI Funds Management Limited
hrtoday.in · 1d ago
SBI Aggressive Hybrid Fund Direct Growth
ClearTax · 2d ago
SBI Medium Term Fund Regular Growth
ClearTax · 2d ago
SBI Mutual Fund (SEOFIIDD.BO) recent insider transactions
Yahoo Finance UK · 3d ago
SBI Money Market Fund Direct Plan Growth
ClearTax · 3d ago
SBI Mutual Fund Doubles Down On Swiggy, Buys Stock Worth ₹300 Cr
Inc42 · 4d ago
SBI Mutual Fund's Swiggy Stake Crosses 5% After Share Purchase
Siliconindia · 4d ago
SBI Mutual Fund Raises Swiggy Stake Above 5% After Rs 300 Crore Share Purchase
CXO Digitalpulse · 4d ago
Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Index funds & ETFs
Index funds and ETFs must keep at least 95% in the securities of the index they track, rather than trying to beat it. They charge far lower fees than active funds, and their return is the index's return minus that small cost and any tracking difference.
From the blog
Frequently asked questions
What is the NAV of SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund?
As of 05 Oct 2026, the NAV of SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund is ₹10.30 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund delivered?
SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund has returned +2.94% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund?
SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund charges an expense ratio of 0.13% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund?
SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund's largest holdings are Mahindra Rural Housing Finance Ltd. (6.8%), Aditya Birla Housing Finance Ltd. (6.8%), Bajaj Housing Finance Ltd. (6.8%), Bank of Baroda (6.6%) and Small Industries Development Bank of India (6.6%). Holdings are disclosed monthly and change over time.
How risky is SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund?
SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 0.7% and its worst peak-to-trough fall in our sample was -0.2%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
Who manages SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund?
SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund is managed by Rajeev Radhakrishnan at SBI.
How is SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund taxed?
SBI CRISIL-IBX Financial Services 9-12 Months Debt Index Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.