L&T Short Term Bond Fund - Direct Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Category : Short Duration Fund

Fund House : L&T Mutual Fund

NAV

This number shows latest NAV (Net Asset Value) and change in the NAV from previous day. NAV is nothing but the unit price for the fund. You will be allocated number of units based on this price. NAV is declared once each day generally at the end of the day. Once you invest in mutual funds, your money is further invested in stocks and bonds by mutual fund managers. Mutual Fund NAV is the per unit latest value of all such stocks/bonds held in the portfolio

: ₹ 18.3059 0.09%
(as on 25th March, 2019)

Crisil Rank

Very good performance among peers

60

100

Fund Size

: ₹ 3251.08 Cr

(4.08% of Investment in Category)

Expense Ratio

: 0.22%

(0.38% Category average)

Risk-O-Meter

Moderately Low

Short Duration Fund :Short Duration Fund : Fund has 91.6% investment in Debt of which 0.78% in Government securities, 90.82% in funds invested in very low risk securities..

Suitable For : Investors who want to invest for 1-3 years and are looking for alternative to bank deposits.

Crisil Rank Change : Fund Crisil rank was updated from 4 to 5 in the previous quarter.

1M
3M
6M
1Y
2Y
5Y
ALL

This Scheme

VS

CRISIL 10 Year Gilt Index

1.17%

0.5%

8.07%

8.16%

3.72%

8.06%

0%
NA
1.04%

2.4%

5.22%

7.55%

7.18%

8.51%

8.29%

NA
Gold

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1Y
2Y
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Returns Calculator
SIP Calculator
VIP (Value Avg)

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Returns (NAV as on 25th March, 2019)

Period Invested for	₹10000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	18-Mar-19	10013.24	0.13%	-	0.18%	23/29
1 Month	25-Feb-19	10110.13	1.10%	-	1.04%	13/29
3 Month	26-Dec-18	10247.94	2.48%	-	2.40%	7/28
6 Month	25-Sep-18	10563.19	5.63%	-	5.22%	5/28
YTD	03-Apr-18	10750.34	7.50%	-	7.24%	9/28
1 Year	26-Mar-18	10801.85	8.02%	8.04%	7.55%	10/28
2 Year	27-Mar-17	11507.35	15.07%	7.29%	7.18%	12/27
3 Year	28-Mar-16	12541.98	25.42%	7.86%	8.00%	18/27
5 Year	25-Mar-14	15026.02	50.26%	8.48%	8.51%	21/27
10 Year	-	-	-	-	-	-/-
Since Inception	01-Jan-13	16626.76	66.27%	8.50%	-	-/-

Returns Calculator Detailed Returns Analysis

SIP Returns (NAV as on 25th Mar,2019)

Period Invested for	₹1000 SIP Started on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 year	25-Mar-18	12000	12612.22	5.10 %	9.61 %
2 years	25-Mar-17	24000	25982.57	8.26 %	7.85 %
3 years	25-Mar-16	36000	40368.9	12.14 %	7.59 %
5 years	25-Mar-14	60000	73253.95	22.09 %	7.92 %

SIP Calculator Detailed Returns Analysis

Tax Treatment

If sold after 3 years from purchase date, long term capital gain tax will be applicable. Current tax rate is the lower of (a) 10% of profit or (b) 20% of profit adjusted after indexation benefits. Any cess/surcharge is not included.|If sold before 3 years from purchase date, short term capital gain tax will be applicable. Any profit will be clubbed with your income and taxed at your effective tax rate.

Portfolio (Updated on 28th Feb,2019)

No of Debt Holding 71 (Category Avg - 56.48) | Modified Duration 1.43 Years (Category Avg - 1.42)| Yield to Maturity 8.29% (Category Avg - 8.94%)

Type of Holdings

Security Type	% Weight	Category Average
GOI	0.78%	4.19%
CD	10.49%	5.88%
NCD-ST	0.00%	0.20%
T-Bills	0.00%	0.87%
NCD & Bonds	75.07%	74.28%
CP	0.45%	3.12%
PTC	4.81%	1.76%

Investment / Portfolio Grades

Security Type	% Weight	Category Average
Government Backed	0.78%	5.06%
Low Risk	90.82%	80.02%
Moderate Risk	0.00%	0.00%
High Risk	0.00%	0.00%
Very High Risk	0.00%	0.00%
Others	0.00%	0.00%

Detailed Portfolio Analysis

Name	Type of Instrument	Weight (%)
Reverse Repo	Reverse Repo	12.67%
Net Receivables	Net Receivables	-4.27%

Detailed Portfolio Analysis

Risk Ratios

Ratios calculated on daily returns for last 3 years (Updated as on 28th February, 2019)

Standard Deviation
Standard Deviation value gives an idea about how volatile fund returns has been in the past 3 years. Lower value indicates more predictable performance. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A standard deviation value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

1.41vs1.4

Category Avg
Beta
Beta value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market. So if you are comparing 2 funds (lets say Fund A and Fund B) in the same category. If Fund A and Fund B has given 9% returns in last 3 years, but Fund A beta value is lower than Fund B. So you can say that there is a higher chance that Fund A will continue giving similar returns in future also whereas Fund B returns may vary.

High volatility

0.94vs0.81

Category Avg
Sharpe Ratio
Sharpe ratio indicates how much risk was taken to generate the returns. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Sharpe ratio of 1.40 and fund B has a Sharpe ratio of 1.25, you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.35vs0.36

Category Avg
Treynor's Ratio
Treynor's ratio indicates how much excess return was generated for each unit of risk taken. Higher the value means, fund has been able to give better returns for the amount of risk taken. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the beta of returns. For example, if fund A and fund B both have 3-year returns of 15%, and fund A has a Treynor's ratio of 1.40 and fund B has a Treynor's ratio of 1.25, then you can chooses fund A, as it has given higher risk-adjusted return.

Poor risk adjusted returns

0.01vs0.02

Category Avg
Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Poor risk adjusted returns

-0.38vs-0.3

Category Avg

Alternative Funds (Category Peers)

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
Franklin India Short Term Income Plan - Direct - Growth	3	12517.05	1.03	2.36	6.62	9.73	10.24
Indiabulls Short Term Fund - Direct Plan - Growth	2	174.98	0.94	2.45	5.46	9.01	8.48
BNP Paribas Short Term Fund - Direct Plan - Growth	4	137.01	1.17	2.47	5.61	8.29	8.00
Kotak Bond Short Term Plan - Direct Plan - Growth	4	8009.65	1.11	2.70	5.86	8.29	8.26
IDBI Short Term Bond Fund - Direct Plan - Growth	3	93.28	1.23	2.34	5.61	8.27	8.04
IDFC Bond Fund - Short Term - Direct Plan - Growth	5	5538.16	1.16	2.85	6.20	8.22	7.84
Baroda Short Term Bond Fund - Plan B (Direct) - Growth	2	267.29	0.72	2.00	4.82	8.10	8.84
Axis Short Term Fund - Direct Plan - Growth	4	4382.81	1.12	2.55	5.56	8.04	8.16
Aditya Birla Sun Life Short Term Opportunities Fund - Direct Plan - Growth	2	3556.79	1.12	2.21	5.42	8.03	8.39
HSBC Short Duration Fund - Direct Plan - Growth	3	876.38	1.18	2.46	5.57	7.78	7.87

Detailed Comparison

More Funds from L&T Mutual Fund

Out of 36 mutual fund schemes offered by this AMC, 3 is/are ranked 5 * , 7 is/are ranked 4 * , 7 is/are ranked 3 * , 3 is/are ranked 2 * , 2 is/are ranked 1 * , and 14 schemes are not ranked. See more about AMC

Scheme Name	Crisil Rank	Asset Size (Cr)	1M	3M	6M	1Y	3Y
L&T Liquid Fund - Direct Plan - Growth	4	17013.78	0.54	1.76	3.69	7.53	7.26
L&T Hybrid Equity Fund - Direct Plan - Growth	3	9445.72	3.55	1.28	0.04	2.16	11.23
L&T India Value Fund - Direct Plan - Growth	3	7725.84	5.39	3.27	-0.62	-0.49	14.81
L&T Emerging Businesses Fund - Direct Plan - Growth	4	5516.03	5.45	-1.03	-2.88	-7.67	21.29
L&T Midcap Fund - Direct Plan - Growth	4	3732.93	5.53	0.38	-0.64	-3.20	17.81
L&T Credit Risk Fund - Direct Plan - Growth	3	3572.84	1.32	2.16	4.78	6.70	8.26
L&T Short Term Bond Fund - Direct Plan - Growth	5	3251.08	1.10	2.59	5.63	7.99	7.86
L&T Tax Advantage Fund - Direct Plan - Growth	3	3073.96	4.74	0.22	-3.05	-1.67	14.24
L&T Equity Fund - Direct Plan - Growth	3	2518.00	4.24	2.01	0.16	2.64	12.43
L&T Resurgent India Bond Fund - Direct Plan - Growth	1	2093.82	1.61	2.04	5.25	5.93	7.98

All funds

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shows great return percentage over the course of the years. and is a low risk investment View more

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L&T Short Term Bond Fund - Direct Plan - Growth

Returns (NAV as on 25th March, 2019)

SIP Returns (NAV as on 25th Mar,2019)

Tax Treatment

Portfolio (Updated on 28th Feb,2019)

Risk Ratios

Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Alternative Funds (Category Peers)

More Funds from L&T Mutual Fund

News & Videos

Things need to check with Fidelity and L&T merger success

SBI, L&T Mutual Funds to discontinue 19 schemes

Rekha Menon Associate VP resigns from L&T MF

L&T MF appoints Soumendra Nath Lahiri as Equity head

Forum

L&T Short Term Bond Fund - Direct Plan - Growth

Returns (NAV as on 25th March, 2019)

SIP Returns (NAV as on 25th Mar,2019)

Tax Treatment

Portfolio (Updated on 28th Feb,2019)

Risk Ratios

Jension's AlphaAlpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.

Alternative Funds (Category Peers)

More Funds from L&T Mutual Fund

News & Videos

Things need to check with Fidelity and L&T merger success

SBI, L&T Mutual Funds to discontinue 19 schemes

Rekha Menon Associate VP resigns from L&T MF

L&T MF appoints Soumendra Nath Lahiri as Equity head

Forum

Jension's Alpha
Alpha indicates how fund generated additional returns compared to a benchmark. Let's say if a fund A benchmarks its returns with Nifty50 returns then alpha equal to 1.0 indicates the fund has beaten the nifty returns by 1%, so the higher the alpha, the better.