Shanta First Income Unit Fund (SFIUF)

Growth+ dividends

Shanta First Income Unit Fund (SFIUF) returned 0.61% a year over the last 3 years, with cash dividends reinvested, based on NAV history through 2 Sep 2026.

Open-end growth mutual fund in Bangladesh, managed by Shanta Asset Management Limited (SAML). Tracked since Mar 2018, with dividends reinvested by default or taken as cash.

৳12.43NAV per unit
৳83 crFund size
8.6 yrsSince Mar 2018
+7.03%Per year, max (8.6 yrs)
Start 100Now 178

Total-return path since Mar 2018, dividends reinvested.

Index, not taka.

See the numbers behind this chart
Month-by-month total-return index for Shanta First Income Unit Fund, dividends reinvested
MonthTotal-return index
Mar 2018100.00
Apr 2018105.60
May 2018104.30
Jun 2018106.80
Jul 2018104.40
Aug 2018107.40
Sep 2018111.60
Oct 2018118.60
Nov 2018115.50
Dec 2018116.30
Jan 2019120.90
Feb 2019119.50
Mar 2019117.00
Apr 2019113.40
May 2019116.70
Jun 2019119.00
Jul 2019108.20
Aug 2019109.90
Sep 2019107.40
Oct 2019111.60
Nov 2019113.00
Dec 2019110.00
Jan 2020109.90
Feb 2020112.90
Mar 2020104.30
Apr 2020104.30
May 2020104.30
Jun 2020104.70
Jul 2020112.90
Aug 2020123.80
Sep 2020124.10
Oct 2020125.60
Nov 2020127.00
Dec 2020143.10
Jan 2021160.60
Feb 2021159.50
Mar 2021159.90
Apr 2021164.40
May 2021169.90
Jun 2021171.40
Jul 2021165.00
Aug 2021172.50
Sep 2021182.00
Oct 2021196.10
Nov 2021190.70
Dec 2021193.00
Jan 2022198.80
Feb 2022190.90
Mar 2022187.90
Apr 2022186.80
May 2022178.80
Jun 2022180.70
Jul 2022161.10
Aug 2022168.50
Sep 2022172.80
Oct 2022184.20
Nov 2022177.70
Dec 2022181.30
Jan 2023186.60
Feb 2023184.80
Mar 2023180.90
Apr 2023181.40
May 2023182.80
Jun 2023183.50
Jul 2023174.00
Aug 2023175.40
Sep 2023175.00
Oct 2023183.10
Nov 2023182.30
Dec 2023185.20
Jan 2024177.80
Feb 2024176.90
Mar 2024161.70
Apr 2024156.00
May 2024142.10
Jun 2024147.40
Jul 2024147.20
Aug 2024153.10
Sep 2024152.80
Oct 2024145.90
Nov 2024146.90
Dec 2024148.40
Jan 2025152.80
Feb 2025154.00
Mar 2025153.30
Apr 2025151.70
May 2025148.00
Jun 2025151.00
Jul 2025162.20
Aug 2025164.40
Sep 2025160.30
Oct 2025157.40
Nov 2025155.90
Dec 2025154.50
Jan 2026161.50
Feb 2026167.00
Mar 2026162.80
Apr 2026161.30
May 2026165.20
Jun 2026169.90
Jul 2026172.70
Aug 2026173.30
Sep 2026178.20

Latest NAV date: 5 Sep 2026.Source: Shanta Asset Management Limited (SAML)'s website.Figures as of 2 Sep 2026.

Historical returns

Total return reinvests every dividend. “Per year” is the annualized compound rate. The last column is the return on a fixed amount invested every month (SIP).

Return period Total return Per year Monthly SIP /yr
6 months+9.45%+19.79%+23.67%
Year to date+15.35%+20.97%+19.79%
1 year+11.17%+11.17%+17.30%
2 years+16.63%+7.99%+12.24%
3 years+1.83%+0.61%+7.28%
5 years-2.08%-0.42%+2.46%
Max (8.6 yrs)+78.19%+7.03%+4.87%

Bars in each column are relative to the largest figure in that column, not a 0 to 100% scale.

Figures as of 5 Sep 2026 Total return includes the fund’s cash dividends (about 6%/yr), reinvested by default.

Rolling returns & path risk

A single look-back can flatter or punish a start date. These figures walk the whole history.

Rolling window Latest Median Best Worst Windows
1 year+11.17%+4.09%+63.71%-22.26%91
3 years+0.61%+8.98%+20.57%-9.39%67

Each window is annualized total return (dividends reinvested). Latest is the most recent closed window; median / best / worst summarize every overlapping window of that length. Tap ? on a column header for a short tip.

Path risk over the same fixed 3-year window as the rating:

8.7%Downside deviation
-23%Worst drop
60%Positive 12-mo windows
11.6%Volatility (ann.)

Downside deviation only counts losing months. Worst drop is the deepest peak-to-trough fall inside the window. These are measured facts from the NAV series; the star composite that uses them stays experimental.

Calculate your return

Just this fund. Set an amount, pick one-time or monthly, and choose a period.

৳
Dividends
See the numbers behind this chart
Month-by-month value of a ৳1,000 lump sum in Shanta First Income Unit Fund, dividends reinvested
MonthValue of ৳1,000
Mar 2018৳1,000
Apr 2018৳1,056
May 2018৳1,043
Jun 2018৳1,068
Jul 2018৳1,044
Aug 2018৳1,074
Sep 2018৳1,116
Oct 2018৳1,186
Nov 2018৳1,155
Dec 2018৳1,163
Jan 2019৳1,209
Feb 2019৳1,195
Mar 2019৳1,170
Apr 2019৳1,134
May 2019৳1,167
Jun 2019৳1,190
Jul 2019৳1,082
Aug 2019৳1,099
Sep 2019৳1,074
Oct 2019৳1,116
Nov 2019৳1,130
Dec 2019৳1,100
Jan 2020৳1,099
Feb 2020৳1,129
Mar 2020৳1,043
Apr 2020৳1,043
May 2020৳1,043
Jun 2020৳1,047
Jul 2020৳1,129
Aug 2020৳1,238
Sep 2020৳1,241
Oct 2020৳1,256
Nov 2020৳1,270
Dec 2020৳1,431
Jan 2021৳1,606
Feb 2021৳1,595
Mar 2021৳1,599
Apr 2021৳1,644
May 2021৳1,699
Jun 2021৳1,714
Jul 2021৳1,650
Aug 2021৳1,725
Sep 2021৳1,820
Oct 2021৳1,961
Nov 2021৳1,907
Dec 2021৳1,930
Jan 2022৳1,988
Feb 2022৳1,909
Mar 2022৳1,879
Apr 2022৳1,868
May 2022৳1,788
Jun 2022৳1,807
Jul 2022৳1,611
Aug 2022৳1,685
Sep 2022৳1,728
Oct 2022৳1,842
Nov 2022৳1,777
Dec 2022৳1,813
Jan 2023৳1,866
Feb 2023৳1,848
Mar 2023৳1,809
Apr 2023৳1,814
May 2023৳1,828
Jun 2023৳1,835
Jul 2023৳1,740
Aug 2023৳1,754
Sep 2023৳1,750
Oct 2023৳1,831
Nov 2023৳1,823
Dec 2023৳1,852
Jan 2024৳1,778
Feb 2024৳1,769
Mar 2024৳1,617
Apr 2024৳1,560
May 2024৳1,421
Jun 2024৳1,474
Jul 2024৳1,472
Aug 2024৳1,531
Sep 2024৳1,528
Oct 2024৳1,459
Nov 2024৳1,469
Dec 2024৳1,484
Jan 2025৳1,528
Feb 2025৳1,540
Mar 2025৳1,533
Apr 2025৳1,517
May 2025৳1,480
Jun 2025৳1,510
Jul 2025৳1,622
Aug 2025৳1,644
Sep 2025৳1,603
Oct 2025৳1,574
Nov 2025৳1,559
Dec 2025৳1,545
Jan 2026৳1,615
Feb 2026৳1,670
Mar 2026৳1,628
Apr 2026৳1,613
May 2026৳1,652
Jun 2026৳1,699
Jul 2026৳1,727
Aug 2026৳1,733
Sep 2026৳1,782
৳1,000 · Mar 2018৳1,782 · 5 Sep 2026

Total-return NAV rebased to your amount. Dividends are reinvested by default; switch to taken as cash above.

Fund details

Management fee2.50% down to 1.00% per year (tiered by fund size)
Early-exit feeSIP cancelled before 2 years: 1%; otherwise none
Minimum investment500 units individual / 5,000 units institution; SIP from BDT 1,000
LiquidityOpen-end, redeemable weekly at NAV
Asset managerShanta Asset Management Limited (SAML)
SponsorShanta Asset Management Limited (SAML)
TrusteeBangladesh General Insurance Company
CustodianBRAC Bank
Face valueBDT 10 per unit

What Shanta First Income Unit Fund holds

As of 30 Jun 2026

From the fund’s quarterly portfolio disclosure. Percentages by cost value.

Asset mix
Listed equities 48.56%Government treasury bonds (BGTB) 25.16%Corporate perpetual bonds 16.18%Cash at bank 5.39%Receivables & other assets 4.72%
Sector allocation
Pharmaceuticals & Chemicals22.89%
Food & Allied8.39%
Miscellaneous8.18%
Household & Personal Products5.41%
Bank3.69%
Largest holdings
20-year government treasury bond23.76%
avg cost ৳96.53 · stmt mkt ৳101.09
Square Pharmaceuticals8.62%
avg cost ৳227.30 · stmt mkt ৳224.01
AIBL Mudaraba Perpetual Bond8.56%
avg cost ৳5,000.34 · stmt mkt ৳3,900.10
British American Tobacco Bangladesh8.39%
avg cost ৳445.20 · stmt mkt ৳219.58
Berger Paints Bangladesh8.18%
avg cost ৳1,510.18 · stmt mkt ৳1,427.74
Renata7.46%
avg cost ৳504.31 · stmt mkt ৳455.97
Premier Bank Perpetual Bond7.12%
avg cost ৳5,015.56 · stmt mkt ৳4,700.20
Beximco Pharmaceuticals6.81%
avg cost ৳125.49 · stmt mkt ৳140.59
Reckitt Benckiser (Bd)5.41%
avg cost ৳3,376.93 · stmt mkt ৳3,368.93
BRAC Bank3.69%
avg cost ৳63.44 · stmt mkt ৳65.50
05-year government treasury bond1.40%
avg cost ৳100.17 · stmt mkt ৳97.92
IBBL 2nd Perpetual Mudaraba Bond0.50%
avg cost ৳5,000.00 · stmt mkt ৳4,100.47

Each bar is sized against the largest name in this list, so you can compare them to each other. The percentage is still that name’s share of the whole fund.

What changed in the latest statement

31 Mar 2026 → 30 Jun 2026before now

+ Beximco Pharmaceuticals · new, 6.81%+ 05-year government treasury bond · new, 1.40%+ IBBL 2nd Perpetual Mudaraba Bond · new, 0.50%− The IBN SINA Pharmaceutical Industry · no longer held
20-year government treasury bond21.16% → 23.76%

Asset mix: Listed equities 47.02% → 48.56%; Government treasury bonds (BGTB) 22.59% → 25.16%; Cash at bank 13.03% → 5.39%; Receivables & other assets 0.76% → 4.72%.

Position sizes shift with both trading and market prices; both snapshots come from the fund manager’s own statements.

✓ Verified from Shanta Asset Management quarterly portfolio statement (30 Jun 2026). Holdings are disclosed quarterly, so they can lag the latest daily NAV.

Side by side with another fund

Questions about Shanta First Income Unit Fund (SFIUF)

What kind of fund is Shanta First Income Unit Fund?
Shanta First Income Unit Fund is an open-end growth mutual fund in Bangladesh, managed by Shanta Asset Management Limited (SAML). You buy and redeem units at its published net asset value (NAV), and it has no fixed maturity.

What is the historical return of Shanta First Income Unit Fund?
Over roughly 8.6 years to 5 Sep 2026, Shanta First Income Unit Fund returned about +7.03% per year, as a total return with dividends reinvested. The figure changes with the period you choose, and past performance does not guarantee future results.

What are the fees for Shanta First Income Unit Fund?
Shanta First Income Unit Fund charges a management fee of 2.50% down to 1.00% per year (tiered by fund size). Its published NAV, and so every return shown, is already net of this fee.

Does Shanta First Income Unit Fund have an exit load?
SIP cancelled before 2 years: 1%; otherwise none.

What is the minimum investment for Shanta First Income Unit Fund?
Shanta First Income Unit Fund has a one-time minimum of 500 units individual / 5,000 units institution and a monthly SIP from BDT 1,000/month.

Is Shanta First Income Unit Fund Shariah-compliant?
No. Shanta First Income Unit Fund is a conventional open-end fund, not Shariah-certified. ReturnKoto? has a one-tap filter to show only Shariah funds.

Compare Shanta First Income Unit Fund (SFIUF) with other funds →
ExperimentalReturnKoto? ratingstill being calibrated

Rules-based rating for each fund. Experimental; treat as one input for your own research. Every sub-score is on the ratings page.

1 of 515th of 16 growth funds

A rules-based score over the same fixed 3-year window every fund is measured on: return against its benchmark, downside deviation, worst drop and consistency, on a scale set for growth funds.

5-year rating: 1 of 5 over the same fixed 5-year window (14th of 14).

Return / year (3 yr)
-0.20%
Downside deviation
8.7%
Worst drop
-23%
Consistency
60%
Versus the market (DSEX)

Beta 0.62 · historically moved about 0.62% for each 1% move in the DSEX market index. DSEX explains roughly 48% of its month-to-month swings.

✓ Rules-based, measured from the fund’s own NAV history. How the rating will work.