Two funds walk into a table. Only the numbers talk.
SBI Dynamic Term Fund vs 360 ONE Dynamic Term Fund
Pick two or three funds. We’ll tell you in plain words which grew faster, which was calmer, which costs less and what your money would have become. Figures are for the Direct plan, Growth option, where a fund has one.
- ASBI Dynamic Term Fund
SBI Mutual Fund- Dynamic Bond Fund
- Direct plan
- Low to Moderate Risk
NAV ₹41.79 on 13 Nov 2026
- B360 ONE Dynamic Term Fund
360 ONE Mutual Fund- Dynamic Bond Fund
- Direct plan
- Moderately High Risk
NAV ₹25.55 on 13 Nov 2026
The short version
Who comes out ahead on each measure, over the 10 years all of them have been around.
Grew faster
ASBI Dynamic Term Fund
SBI Dynamic Term Fund returned 7.4% a year over 10 years, against 7.1% for 360 ONE Dynamic Term Fund. ₹1 lakh invested 10 years ago would be about ₹2.05 Lakh today, against ₹1.98 Lakh.
Fell less in a crash
B360 ONE Dynamic Term Fund
At its worst, 360 ONE Dynamic Term Fund fell 2.1% from its peak, against 3.2% for SBI Dynamic Term Fund. On ₹1 lakh, that's a dip to ₹96,841 at the bottom for SBI Dynamic Term Fund. Could you have held on?
Costs less
B360 ONE Dynamic Term Fund
360 ONE Dynamic Term Fund charges 0.34% a year, against 0.64% for SBI Dynamic Term Fund. On ₹1 lakh that's ₹340 a year against ₹640, taken quietly from the NAV.
What your money would have become
The same amount, put into each fund on the same day.
The dashed line is the ₹10,000 you put in. Above it is profit, below it is loss.
- ASBI Dynamic Term Fund₹13,930 from ₹10,000(6.9% a year)
- B360 ONE Dynamic Term Fund₹13,815 from ₹10,000(6.7% a year)
A one-time ₹10,000 put in 5 years ago, valued at the latest NAV. This is what happened, not what will.
Strengths and watch-outs
Each fund judged against its own category, and against a 5-year SBI FD at 6.05%.
ASBI Dynamic Term Fund
- Strength: In the top quarter of its category over 5 years (#4 of 20)
- Strength: Swings less than most funds in its category
- Strength: Fell less than its category in the worst crash
B360 ONE Dynamic Term Fund
- Strength: In the top quarter of its category over 5 years (#5 of 20)
- Strength: Swings less than most funds in its category
- Strength: Fell less than its category in the worst crash
- Strength: Low cost: 0.34% a year
All the numbers
The stronger figure in each row is marked Best. Under each return is the fund’s rank in its category and the category average.
| Measure | ASBI Dynamic Term Fund | B360 ONE Dynamic Term Fund |
|---|---|---|
| ReturnsHow much the fund grew. Beyond a year, this is per year (annualised). | ||
| 1 yearLast 12 months, the most noisy figure | 5.2%Best#4 of 22 · avg 3.6% | 4.1%#9 of 22 · avg 3.6% |
| 3 yearsPer year, over a full market mood swing | 7.4%#6 of 22 · avg 6.8% | 7.9%Best#1 of 22 · avg 6.8% |
| 5 yearsPer year, the fairest single test | 6.9%Best#4 of 20 · avg 6.1% | 6.7%#5 of 20 · avg 6.1% |
| 10 yearsPer year, across bull and bear markets | 7.4%Best#3 of 16 · avg 6.7% | 7.1%#7 of 16 · avg 6.7% |
| RiskHow bumpy the ride was. This is what decides whether you stay invested. | ||
| Ups and downsVolatility: how far it swings in a typical year. Lower is calmer | 2%category avg 2.2% | 1.8%Bestcategory avg 2.2% |
| Worst fallThe biggest drop from a peak in 10 years. Lower is better | −3.2%category avg −3.7% | −2.1%Bestcategory avg −3.7% |
| Best 12 monthsIts strongest year | 17.6%Best | 12% |
| Worst 12 monthsIts weakest year | 0.5% | 2.9%Best |
| Odds of a gainShare of all 1-year holding periods that ended in profit | 100% | 100% |
| Cost and sizeThe fee comes out of your returns every year, whether the fund does well or not. | ||
| Expense ratioYearly fee. Lower keeps more for you | 0.64% | 0.34%Best |
| Fund sizeMoney managed (AUM). Neither better nor worse | ₹3,502 Cr | ₹549 Cr |
| Minimum SIPSmallest monthly amount | ₹500Best | ₹1,000 |
| Lock-inTime before you can withdraw | None | None |
| What it holdsWhere the money sits. Equity is shares, debt is bonds, cash is waiting to be invested. | ||
| In bondsDebt | 83.7% | – |
| In cashNot yet invested | 15.9% | – |
| HoldingsNumber of investments | 17 | – |
“Best” is not a recommendation: a fund that returned more usually took more risk to do it.
Top 10 holdings
Marked Both where another fund here holds it too.
ASBI Dynamic Term Fund
- 6.94% CGL 203642.7%
- National Bank for Agriculture and Rural Development6.3%
- Bajaj Finance Ltd5.8%
- Summit Digitel Infrastructure Pvt. Ltd4.4%
- Punjab National Bank3.6%
- National Highways Infra Trust3.3%
- LIC Housing Finance Ltd2.9%
- Anzen India Energy Yield Plus Trust2.9%
- REC Ltd2.9%
- Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust)2.7%
As on 31 Oct 2026
B360 ONE Dynamic Term Fund
Holdings are not available for this fund yet.
Which one fits you?
There is no best fund, only a better fit for what you need the money to do.
ASBI Dynamic Term Fund
Might suit you if…
- you want the stronger long-run growth and can sit through sharper falls
B360 ONE Dynamic Term Fund
Might suit you if…
- a smoother ride matters more to you than the top return
- you care about keeping costs low, which adds up over decades