SBI Long Term Fund
SBI Mutual Fund · Long Duration · Direct plan, growth option
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -0.6% | -0.7% |
| 3 months | -1.3% | -1.7% |
| 6 months | 3.5% | 3.4% |
| Year to date | 1.1% | 0.9% |
| 1 year | 1.3% | 1.3% |
| 3 years (CAGR) | 6.1% | 5.9% |
| 5 years (CAGR) | n/a | 5.3% |
| 7 years (CAGR) | n/a | 6.0% |
| 10 years (CAGR) | n/a | 6.7% |
| Since first NAV (CAGR) | 6.5% | – |
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.5% | 7.2% |
| 3Y rolling median | 6.6% | 6.6% |
| 3Y rolling worst | 5.1% | 4.7% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | n/a | 7.2% |
| 5Y rolling worst | n/a | 4.9% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 4.8% | 4.8% |
| Sharpe ratio | -0.05 | -0.07 |
| Sortino ratio | -0.06 | -0.10 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −4.4% | −5.6% |
| Maximum drawdown, last 10Y | n/a | −4.6% |
| Maximum drawdown, last 5Y | n/a | −5.2% |
| Current drawdown | −2.0% | −2.5% |
| Recovery time of worst fall | 83 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
This scheme invests mainly in the markets below, which are also close to how many of them are benchmarked. Where those markets stand today:
- 1Y +2.2% · 3Y +6.3% p.a. · 5Y +5.2% p.a. (index fund NAV, after costs)
- −2.2% from its 52-week high (proxy NAV)
Index levels and P/E: NSE daily index closing values; gold and silver: IBJA rates; returns: growth NAV of an index fund or ETF tracking the market (AMFI), so they are after that fund's costs. Context only: a market's level or valuation does not tell you how any scheme will perform. Explore all markets.
The Regular plan's expense ratio is 0.68% a year and the Direct plan's 0.32%, a gap of 0.36%; over the last 3 years the Direct plan returned 0.42 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹9,37,681.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 0.32% | 0.32% |
| AUM, whole scheme (₹ crore) | 1,246 | 89 |
| Riskometer | Moderate | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 2.2% | 2.2% TRI |
| Return, 3 years (AMFI) | 6.1% | 5.9% TRI |
Official benchmark: CRISIL Long Duration Debt A-III Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Long Duration Direct plans; how it is calculated.
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 1.1% | n/a | – |
| 2025 | 3.7% | n/a | – |
| 2024 | 11.7% | n/a | – |
| 2023 | 8.3% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,21,241 | 1.9% |
| 3 years | ₹3,60,000 | ₹3,81,142 | 3.7% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| HDFC Long Term Fund | Long Duration | 0.99 | 5.9% |
| Axis Long Term Fund | Long Duration | 0.98 | 5.7% |
| BANDHAN LONG TERM FUND | Long Duration | 0.98 | n/a |
| UTI Long Term Fund | Long Duration | 0.98 | 5.4% |
| Kotak Long Term Fund | Long Duration | 0.98 | n/a |
| Nippon India Nivesh Lakshya Long Term Fund | Long Duration | 0.97 | 5.9% |
- What is the latest NAV of SBI Long Term Fund?
- The NAV of the Direct plan (growth option) was ₹12.6667 on 1 Oct 2026, as published by AMFI.
- Which category is SBI Long Term Fund in?
- It is classified as Long Duration in AMFI's daily NAV file. MFIC compares it with 11 Long Duration schemes (Direct plans).
- What returns has SBI Long Term Fund delivered?
- Over one year the NAV changed by 1.3%. The 3-year CAGR is 6.1% (category median 5.9%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 6.6%, the lowest was 5.1%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in SBI Long Term Fund's NAV?
- The largest peak-to-trough fall in its available history was 4.4%.
- How volatile is SBI Long Term Fund?
- Its annualised standard deviation of monthly returns over the last 36 months is 4.8%, which is equal to the Long Duration category median of 4.8%.
- What would a monthly SIP in SBI Long Term Fund have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 3 years (36 instalments, ₹3,60,000 invested) would have been worth about ₹3,81,142 on 1 Oct 2026, an annualised return (XIRR) of 3.7%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of SBI Long Term Fund?
- The total expense ratio of the Direct plan is 0.32% a year, as disclosed to AMFI (median of Long Duration Direct plans: 0.32%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is SBI Long Term Fund?
- Assets under management of the whole scheme were ₹1,246 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of SBI Long Term Fund?
- AMFI lists the scheme's riskometer as “Moderate”, and its benchmark's as “Moderate”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of SBI Long Term Fund and how has it compared?
- Its official benchmark is the CRISIL Long Duration Debt A-III Index. Over 3 years AMFI reports a return of 6.1% for this plan against 5.9% for the benchmark total return index. Past performance does not indicate future results.
- What is the minimum investment in SBI Long Term Fund?
- The minimum application amount is Rs. 5000/- & in multiples of Re.1.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 1.3% and the Regular plan's by 1.0%. The Regular plan includes the services of a distributor.
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