Should I invest in SBI Long Term Advantage Fund - Series IV?

We don't give personal investment advice. SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 21.0%. 5-year CAGR: 12.32%.

SBI

SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth

Latest NAV

₹50.1391

As of

17 Jul 2026

1,987 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.56%	+0.16%	+0.40	14 / 59	Q1
1W	-0.22%	+0.01%	-0.23	40 / 59	Q3
2W	+0.09%	+0.41%	-0.33	39 / 59	Q3
1M	+1.35%	+1.60%	-0.25	35 / 59	Q3
3M	+1.62%	+3.41%	-1.79	42 / 59	Q3
6M	-2.31%	+3.24%	-5.55	48 / 59	Q4
YTD	-2.62%	+2.42%	-5.05	42 / 59	Q3
1Y	+3.24%	+6.87%	-3.62	23 / 59	Q2
2Y	-1.71%	+4.51%	-6.21	53 / 58	Q4
3Y	+10.81%	+14.16%	-3.34	49 / 58	Q4
4Y	+13.47%	+15.94%	-2.47	40 / 51	Q4
5Y	+12.32%	+14.21%	-1.89	36 / 47	Q4
7Y	+21.52%	+17.19%	+4.34	8 / 45	Q1
10Y	—	—	—	—	—
Inception	+19.11%	+14.54%	+4.57	2 / 59	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-2.62%	-0.01%	-2.61	36 / 53
2025	+3.75%	+3.70%	+0.05	30 / 53
2024	+21.28%	+20.13%	+1.15	21 / 53
2023	+23.81%	+30.82%	-7.01	43 / 51
2022	+6.81%	+3.78%	+3.04	11 / 47
2021	+58.73%	+39.32%	+19.41	8 / 50
2020	+32.72%	+18.42%	+14.30	4 / 50
2019	+14.93%	+6.48%	+8.44	7 / 47
2018	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+24.38%

86 windows

min -9.3% · max 105.0%

86% positive

3-Year rolling

+26.29%

62 windows

min 10.8% · max 42.3%

100% positive

5-Year rolling

+25.62%

38 windows

min 12.3% · max 33.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+21.64%

13 windows

min 20.2% · max 23.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

13.11%

3-year · annualised

Sharpe ratio

0.34

vs risk-free 6.5%

Sortino ratio

0.56

Downside-only deviation

Max drawdown

-20.98%

Sep 2024 → Apr 2025

% positive months

61.1%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in ELSS

Scheme	Fund house	NAV	As of
HDFC ELSS Tax saver - Growth Option - Direct Plan	HDFC	₹1,497.0580	17 Jul 2026
Nippon India ELSS Tax Saver Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹144.8728	17 Jul 2026
SBI ELSS Tax Saver FUND - DIRECT PLAN -GROWTH	SBI	₹479.1199	17 Jul 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - Growth	ICICI Prudential	₹1,043.9300	17 Jul 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - Growth	Invesco	₹148.3100	17 Jul 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - Growth	Bandhan	₹179.3500	17 Jul 2026
quant ELSS Tax Saver Fund - Growth Option - Direct Plan	Quant	₹460.9956	17 Jul 2026
Aditya Birla Sun Life ELSS Tax Saver Fund - Growth - Direct Plan	Aditya Birla Sun Life	₹69.9900	17 Jul 2026
Motilal Oswal ELSS Tax Saver Fund - Direct Plan - Growth Option	Motilal Oswal	₹63.7427	17 Jul 2026
Franklin India ELSS Tax Saver Fund - Direct - Growth	Franklin India	₹1,617.9351	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹50.1391
16 Jul 2026	₹49.8595
15 Jul 2026	₹49.8633
14 Jul 2026	₹49.6325
13 Jul 2026	₹50.1625
10 Jul 2026	₹50.2519
9 Jul 2026	₹49.7022
8 Jul 2026	₹49.3944
7 Jul 2026	₹50.2961
6 Jul 2026	₹50.2929

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth is ₹50.1391. It's a ELSS from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth has NAV history starting from 03 Jul 2018, a track record of about 8 years. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth is managed by SBI. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth has delivered a absolute return of 3.24% — -3.62 pp behind the ELSS category average of 6.87%. The fund ranks #23 of 59 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth has delivered a CAGR of 10.81% — -3.34 pp behind the ELSS category average of 14.16%. The fund ranks #49 of 58 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth has delivered a CAGR of 12.32% — -1.89 pp behind the ELSS category average of 14.21%. The fund ranks #36 of 47 in its category — the bottom (Q4) quartile.

₹1 lakh invested in SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth exactly 5 years ago would be worth approximately ₹178,800 today — a multiplier of 1.79×, based on the 5-year CAGR of 12.32%. The category average over the same window would have grown ₹1 lakh to ₹194,351.

A ₹10,000 monthly SIP in SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹776,625 today. That's an XIRR (money-weighted annualised return) of 10.26%.

SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,562,178 — XIRR 17.41%.

On a 5-year basis, SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth ranks #36 out of 47 funds in the ELSS category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 14.21%; this fund delivered 12.32%.

The worst peak-to-trough decline SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth has experienced over the last 5-year window is 20.98% — its NAV fell from a high on 23 Sep 2024 to a low on 07 Apr 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth averaged 25.62% (best 33.63%, worst 12.32%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth returned 3.75% — beating the ELSS category average of 3.70% by 0.05 pp. It ranked #30 of 53 in its category that year.

SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 21.0%. 5-year CAGR: 12.32%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

SBI Long Term Advantage Fund - Series IV - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in ELSS

Recent NAVs

Frequently asked questions

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