Should I invest in SBI MEDIUM DURATION FUND?

We don't give personal investment advice. SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.7%. 5-year CAGR: 6.90%.

SBI

SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH

Latest NAV

₹59.2317

As of

17 Jul 2026

3,259 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	+0.03%	+0.01%	+0.02	4 / 15	Q2
1W	-0.04%	-0.06%	+0.02	8 / 15	Q3
2W	-0.13%	-0.05%	-0.09	12 / 15	Q4
1M	+1.12%	+0.85%	+0.27	3 / 15	Q1
3M	+2.38%	+2.18%	+0.20	3 / 15	Q1
6M	+3.91%	+3.55%	+0.36	7 / 15	Q2
YTD	+3.81%	+4.22%	-0.41	6 / 15	Q2
1Y	+6.41%	+6.64%	-0.23	7 / 15	Q2
2Y	+7.97%	+7.85%	+0.12	8 / 15	Q3
3Y	+7.83%	+7.80%	+0.03	8 / 15	Q3
4Y	+7.92%	+7.45%	+0.46	7 / 14	Q2
5Y	+6.90%	+6.93%	-0.03	7 / 14	Q2
7Y	+7.67%	+6.86%	+0.80	5 / 13	Q2
10Y	+8.34%	+7.19%	+1.16	2 / 11	Q1
Inception	+8.83%	+7.72%	+1.11	2 / 14	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	+3.81%	+3.68%	+0.13	5 / 13
2025	+8.02%	+8.63%	-0.61	9 / 13
2024	+8.68%	+8.87%	-0.19	8 / 13
2023	+7.78%	+7.37%	+0.40	2 / 13
2022	+3.97%	+4.89%	-0.93	5 / 13
2021	+4.38%	+6.93%	-2.55	10 / 13
2020	+12.65%	+6.04%	+6.62	1 / 13
2019	+11.56%	+5.23%	+6.33	1 / 13
2018	+7.07%	+6.32%	+0.75	3 / 13
2017	+8.33%	+6.95%	+1.38	2 / 13
2016	+15.49%	+11.98%	+3.51	1 / 13

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

+9.23%

152 windows

min 2.5% · max 20.5%

100% positive

3-Year rolling

+8.99%

128 windows

min 5.3% · max 14.1%

100% positive

5-Year rolling

+8.88%

104 windows

min 6.5% · max 11.9%

100% positive

7-Year rolling

+9.01%

79 windows

min 7.7% · max 11.7%

100% positive

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

1.47%

3-year · annualised

Sharpe ratio

0.75

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.68%

Feb 2026 → Apr 2026

% positive months

91.7%

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 Medium Duration Fund

Scheme	Fund house	NAV	As of
HDFC Medium Term Debt Fund - Growth Option - Direct Plan	HDFC	₹65.5502	17 Jul 2026
Nippon India Medium Duration Fund - Direct Plan - Growth Option	Nippon India	₹18.2760	17 Jul 2026
ICICI Prudential Medium Term Bond Fund - Direct Plan - Growth	ICICI Prudential	₹53.3838	17 Jul 2026
Invesco India Medium Duration Fund - Direct Plan - Growth	Invesco	₹1,354.3901	17 Jul 2026
Bandhan Medium Duration Fund - Direct Plan - Growth	Bandhan	₹53.0359	17 Jul 2026
Aditya Birla Sun Life Medium Term Plan - Growth - Direct Plan	Aditya Birla Sun Life	₹47.7248	17 Jul 2026
Kotak Medium Term Fund - Direct Growth	Kotak	₹27.3953	17 Jul 2026
DSP Bond Fund - Direct Plan - Growth	DSP	₹92.1806	17 Jul 2026
HSBC Medium Duration Fund - Direct Growth	HSBC	₹23.8013	17 Jul 2026
UTI - Medium Term Fund (Segregated - 06032020) - Direct Plan - Growth Option	UTI	₹0.0000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹59.2317
16 Jul 2026	₹59.2128
15 Jul 2026	₹59.1547
14 Jul 2026	₹59.1137
13 Jul 2026	₹59.2638
10 Jul 2026	₹59.2558
9 Jul 2026	₹59.1882
8 Jul 2026	₹59.1476
7 Jul 2026	₹59.2888
6 Jul 2026	₹59.3109

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 MEDIUM DURATION FUND - DIRECT PLAN - GROWTH is ₹59.2317. It's a Medium Duration Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH has NAV history starting from 29 Jan 2013, a track record of about 13 years 5 months. 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 MEDIUM DURATION FUND - DIRECT PLAN - GROWTH is managed by SBI. It's classified by AMFI under the 'Medium Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH has delivered a absolute return of 6.41% — -0.23 pp behind the Medium Duration Fund category average of 6.64%. The fund ranks #7 of 15 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 7.83% — +0.03 pp ahead of the Medium Duration Fund category average of 7.80%. The fund ranks #8 of 15 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 6.90% — -0.03 pp behind the Medium Duration Fund category average of 6.93%. The fund ranks #7 of 14 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH exactly 10 years ago would be worth approximately ₹222,883 today — a multiplier of 2.23×, based on the 10-year CAGR of 8.34%. The category average over the same window would have grown ₹1 lakh to ₹200,167.

A ₹10,000 monthly SIP in SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹727,058 today. That's an XIRR (money-weighted annualised return) of 7.61%.

A ₹10,000 monthly SIP for 10 years in SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH = ₹1,200,000 invested. It would currently be worth ₹1,789,805 (multiplier 1.49×). XIRR: 7.75%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH ranks #7 out of 14 funds in the Medium Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 6.93%; this fund delivered 6.90%.

The worst peak-to-trough decline SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH has experienced over the last 5-year window is 1.69% — its NAV fell from a high on 30 Mar 2022 to a low on 06 May 2022. 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 MEDIUM DURATION FUND - DIRECT PLAN - GROWTH averaged 8.88% (best 11.93%, worst 6.54%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.14 — weak risk-adjusted performance.

In calendar year 2025, SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH returned 8.02% — lagging the Medium Duration Fund category average of 8.63% by 0.61 pp. It ranked #9 of 13 in its category that year.

SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.7%. 5-year CAGR: 6.90%.

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

SBI MEDIUM DURATION FUND - DIRECT PLAN - GROWTH

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium Duration Fund

Recent NAVs

Frequently asked questions

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