Shanta Fixed Income Fund (SFIF)

Income+ dividends

Shanta Fixed Income Fund (SFIF) returned 11.78% a year over the last 3 years, with cash dividends reinvested, based on NAV history through 2 Sep 2026.

Open-end income mutual fund in Bangladesh, managed by Shanta Asset Management Limited (SAML). Tracked since Aug 2021, with dividends reinvested by default or taken as cash.

৳12.30NAV per unit
৳307 crFund size
5.2 yrsSince Aug 2021
+7.73%Per year, max (5.2 yrs)
Start 100Now 146

Total-return path since Aug 2021, dividends reinvested.

Index, not taka.

See the numbers behind this chart
Month-by-month total-return index for Shanta Fixed Income Fund, dividends reinvested
MonthTotal-return index
Aug 2021100.00
Sep 202199.70
Oct 202198.10
Nov 202197.50
Dec 202197.90
Jan 202297.40
Feb 202297.00
Mar 202297.80
Apr 202297.60
May 202295.40
Jun 2022101.20
Jul 202299.60
Aug 2022101.10
Sep 2022100.90
Oct 2022102.20
Nov 2022101.60
Dec 2022103.30
Jan 2023102.40
Feb 2023102.40
Mar 2023101.80
Apr 2023102.10
May 2023102.40
Jun 2023102.90
Jul 2023103.60
Aug 2023104.20
Sep 2023104.60
Oct 2023109.00
Nov 2023110.00
Dec 2023110.70
Jan 2024106.90
Feb 2024107.80
Mar 2024108.60
Apr 2024109.40
May 2024110.30
Jun 2024111.20
Jul 2024112.00
Aug 2024113.10
Sep 2024114.00
Oct 2024120.60
Nov 2024121.60
Dec 2024122.60
Jan 2025118.00
Feb 2025119.00
Mar 2025119.90
Apr 2025121.10
May 2025122.20
Jun 2025123.20
Jul 2025124.60
Aug 2025125.60
Sep 2025129.30
Oct 2025139.30
Nov 2025140.60
Dec 2025141.60
Jan 2026137.10
Feb 2026138.20
Mar 2026139.40
Apr 2026140.50
May 2026141.60
Jun 2026143.60
Jul 2026144.80
Aug 2026145.80
Sep 2026146.00

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+4.77%+9.77%+8.48%
Year to date+3.08%+4.13%+8.06%
1 year+12.97%+12.97%+9.11%
2 years+28.11%+13.19%+12.25%
3 years+39.66%+11.78%+12.19%
5 years+46.46%+7.93%+10.50%
Max (5.2 yrs)+46.02%+7.73%+10.08%

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 8%/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+12.92%+8.99%+16.56%+1.10%50
3 years+11.76%+8.62%+11.85%+4.19%26

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:

3.5%Downside deviation
-4%Worst drop
100%Positive 12-mo windows
6.9%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 Fixed Income Fund, dividends reinvested
MonthValue of ৳1,000
Aug 2021৳1,000
Sep 2021৳997
Oct 2021৳981
Nov 2021৳975
Dec 2021৳979
Jan 2022৳974
Feb 2022৳970
Mar 2022৳978
Apr 2022৳976
May 2022৳954
Jun 2022৳1,012
Jul 2022৳996
Aug 2022৳1,011
Sep 2022৳1,009
Oct 2022৳1,022
Nov 2022৳1,016
Dec 2022৳1,033
Jan 2023৳1,024
Feb 2023৳1,024
Mar 2023৳1,018
Apr 2023৳1,021
May 2023৳1,024
Jun 2023৳1,029
Jul 2023৳1,036
Aug 2023৳1,042
Sep 2023৳1,046
Oct 2023৳1,090
Nov 2023৳1,100
Dec 2023৳1,107
Jan 2024৳1,069
Feb 2024৳1,078
Mar 2024৳1,086
Apr 2024৳1,094
May 2024৳1,103
Jun 2024৳1,112
Jul 2024৳1,120
Aug 2024৳1,131
Sep 2024৳1,140
Oct 2024৳1,206
Nov 2024৳1,216
Dec 2024৳1,226
Jan 2025৳1,180
Feb 2025৳1,190
Mar 2025৳1,199
Apr 2025৳1,211
May 2025৳1,222
Jun 2025৳1,232
Jul 2025৳1,246
Aug 2025৳1,256
Sep 2025৳1,293
Oct 2025৳1,393
Nov 2025৳1,406
Dec 2025৳1,416
Jan 2026৳1,371
Feb 2026৳1,382
Mar 2026৳1,394
Apr 2026৳1,405
May 2026৳1,416
Jun 2026৳1,436
Jul 2026৳1,448
Aug 2026৳1,458
Sep 2026৳1,460
৳1,000 · Aug 2021৳1,460 · 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)
Fee vs peersStated headline among 7 Income funds ReturnKoto? tracks: 0.70% to 2.50%. This fund’s stated headline is 2.50%. 3 peers state a lower headline. This is the management fee line from each prospectus, not a full expense ratio (TER).
Early-exit feeSIP cancelled before 1 year: 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 Fixed Income Fund holds

As of 30 Jun 2026

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

Asset mix
Government treasury bonds (BGTB) 75.27%Cash at bank 10.88%FDR / term deposit 8.28%Receivables & other assets 3.37%Treasury bills 2.19%
Largest holdings
20-year government treasury bonds49.91%
10-year government treasury bonds25.37%
Dhaka Bank term deposits3.97%
City Bank term deposits2.24%
Government treasury bills2.19%
IDLC Finance term deposits2.07%

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

Government treasury bills8.98% → 2.19%
10-year government treasury bonds19.90% → 25.37%
20-year government treasury bonds52.37% → 49.91%
Dhaka Bank term deposits5.30% → 3.97%

Asset mix: Government treasury bonds (BGTB) 72.27% → 75.27%; Cash at bank 4.45% → 10.88%; FDR / term deposit 11.07% → 8.28%; Treasury bills 8.98% → 2.19%.

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.

Government bonds are Held to Maturity under IFRS 9 and carried at amortized cost on the statement. Top holdings are grouped by tenor / counterparty because the statement lists many individual ISINs and FDR lots.

Side by side with another fund

Questions about Shanta Fixed Income Fund (SFIF)

What kind of fund is Shanta Fixed Income Fund?
Shanta Fixed Income Fund is an open-end income 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 Fixed Income Fund?
Over roughly 5.2 years to 5 Sep 2026, Shanta Fixed Income Fund returned about +7.73% 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 Fixed Income Fund?
Shanta Fixed Income 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 Fixed Income Fund have an exit load?
SIP cancelled before 1 year: 1%; otherwise none.

What is the minimum investment for Shanta Fixed Income Fund?
Shanta Fixed Income 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 Fixed Income Fund Shariah-compliant?
No. Shanta Fixed Income Fund is a conventional open-end fund, not Shariah-certified. ReturnKoto? has a one-tap filter to show only Shariah funds.

Compare Shanta Fixed Income Fund (SFIF) 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.

3 of 52nd of 6 income 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 income funds.

Return / year (3 yr)
+11.80%
Downside deviation
3.5%
Worst drop
-4%
Consistency
100%
Versus the market (DSEX)

Beta -0.05 · has moved largely independently of the DSEX market index (low correlation: it explains only about 1% of its month-to-month swings).

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