Should I invest in SBI Medium to Long Duration Fund - Bonus?

We don't give personal investment advice. SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus 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: 1.9%. 5-year CAGR: 6.44%.

SBI

SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus

Latest NAV

₹48.5941

As of

17 Jul 2026

3,266 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	-0.07%	-6.86%	+6.79	662 / 1087	Q3
1W	-0.19%	-9.76%	+9.57	437 / 998	Q2
2W	-0.20%	-9.73%	+9.53	432 / 997	Q2
1M	+1.06%	-9.76%	+10.82	27 / 991	Q1
3M	+2.16%	-9.36%	+11.52	50 / 984	Q1
6M	+3.44%	-8.72%	+12.16	89 / 949	Q1
YTD	+3.06%	-8.84%	+11.90	96 / 949	Q1
1Y	+4.48%	-6.67%	+11.15	251 / 916	Q2
2Y	+6.79%	-2.45%	+9.24	204 / 867	Q1
3Y	+7.09%	-1.11%	+8.21	209 / 835	Q2
4Y	+7.54%	+2.90%	+4.64	25 / 143	Q1
5Y	+6.44%	+2.71%	+3.73	18 / 91	Q1
7Y	+7.30%	+2.61%	+4.69	5 / 54	Q1
10Y	+7.79%	+2.62%	+5.17	1 / 34	Q1
Inception	+7.87%	+0.47%	+7.40	214 / 1085	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	+3.06%	+0.83%	+2.23	24 / 112
2025	+6.65%	+4.71%	+1.94	69 / 122
2024	+8.91%	+5.86%	+3.05	16 / 127
2023	+7.83%	+4.21%	+3.63	9 / 117
2022	+3.71%	-7.69%	+11.40	33 / 273
2021	+4.21%	-4.54%	+8.75	82 / 458
2020	+12.11%	+2.15%	+9.97	9 / 625
2019	+12.60%	+3.58%	+9.02	1 / 607
2018	+5.65%	+1.75%	+3.90	125 / 314
2017	+6.31%	+2.07%	+4.24	97 / 207
2016	+13.95%	+3.56%	+10.40	7 / 167

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

+8.11%

153 windows

min -0.9% · max 15.5%

99% positive

3-Year rolling

+8.24%

129 windows

min 5.1% · max 11.5%

100% positive

5-Year rolling

+8.19%

104 windows

min 6.0% · max 10.2%

100% positive

7-Year rolling

+8.39%

80 windows

min 7.2% · max 10.1%

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

2.03%

3-year · annualised

Sharpe ratio

0.21

vs risk-free 6.5%

Sortino ratio

0.78

Downside-only deviation

Max drawdown

-1.35%

May 2025 → Aug 2025

% positive months

88.9%

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 to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC Charity Fund for Cancer Cure - IDCW Option - Direct Plan - 50% IDCW Donation Option	HDFC	₹10.1159	17 Jul 2026
NIPPON INDIA FIXED MATURITY PLAN - XLI - SERIES 8 - DIRECT Plan - IDCW Option	Nippon India	₹17.7273	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹17.7206	17 Jul 2026
ICICI Prudential Bond Fund - Direct Plan - Half Yearly IDCW	ICICI Prudential	₹11.0090	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN HALF YEARLY-IDCW (3652 days)	Bandhan	₹11.5431	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Direct Plan - Payout of IDCW Option	Aditya Birla Sun Life	₹13.6183	17 Jul 2026
Franklin India Medium to Long Duration Fund - Direct - IDCW	Franklin India	₹10.6701	17 Jul 2026
Kotak Bond Fund - Direct Plan - Standard IDCW option	Kotak	₹30.1720	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Direct - IDCW	DSP	₹13.3392	17 Jul 2026
HSBC Medium to Long Duration Fund - Direct Quarterly IDCW	HSBC	₹10.4928	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹48.5941
16 Jul 2026	₹48.6279
15 Jul 2026	₹48.5717
14 Jul 2026	₹48.5281
13 Jul 2026	₹48.6891
10 Jul 2026	₹48.6889
9 Jul 2026	₹48.6114
8 Jul 2026	₹48.5662
7 Jul 2026	₹48.7263
6 Jul 2026	₹48.7444

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 to Long Duration Fund-DIRECT PLAN - Bonus is ₹48.5941. It's a Medium to Long Duration Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus has NAV history starting from 16 Jan 2013, a track record of about 13 years 6 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 to Long Duration Fund-DIRECT PLAN - Bonus is managed by SBI. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus has delivered a absolute return of 4.48% — +11.15 pp ahead of the Medium to Long Duration Fund category average of -6.67%. The fund ranks #251 of 916 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus has delivered a CAGR of 7.09% — +8.21 pp ahead of the Medium to Long Duration Fund category average of -1.11%. The fund ranks #209 of 835 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus has delivered a CAGR of 6.44% — +3.73 pp ahead of the Medium to Long Duration Fund category average of 2.71%. The fund ranks #18 of 91 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus exactly 10 years ago would be worth approximately ₹211,757 today — a multiplier of 2.12×, based on the 10-year CAGR of 7.79%. The category average over the same window would have grown ₹1 lakh to ₹129,515.

A ₹10,000 monthly SIP in SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus over the last 5 years — total invested ₹600,000 — would be worth ₹714,444 today. That's an XIRR (money-weighted annualised return) of 6.92%.

A ₹10,000 monthly SIP for 10 years in SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus = ₹1,200,000 invested. It would currently be worth ₹1,746,646 (multiplier 1.46×). XIRR: 7.29%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus ranks #18 out of 91 funds in the Medium to Long Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 2.71%; this fund delivered 6.44%.

The worst peak-to-trough decline SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus has experienced over the last 5-year window is 1.86% — its NAV fell from a high on 30 Mar 2022 to a low on 09 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 to Long Duration Fund-DIRECT PLAN - Bonus averaged 8.19% (best 10.23%, worst 6.03%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.10 — negative risk-adjusted performance.

In calendar year 2025, SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus returned 6.65% — beating the Medium to Long Duration Fund category average of 4.71% by 1.94 pp. It ranked #69 of 122 in its category that year.

SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus 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 to Long Duration Fund-DIRECT PLAN - Bonus 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: 1.9%. 5-year CAGR: 6.44%.

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

SBI Medium to Long Duration Fund-DIRECT PLAN - Bonus

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

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