Should I invest in SBI Medium to Long Duration Fund?

We don't give personal investment advice. SBI Medium to Long 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: 1.9%. 5-year CAGR: 6.10%.

SBI

SBI Medium to Long Duration Fund-DIRECT PLAN -Growth

Latest NAV

₹78.3623

As of

3 Jun 2026

3,245 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	+0.06%	-2.27%	+2.33	35 / 1079	Q1
1W	+0.21%	-2.66%	+2.88	37 / 945	Q1
2W	+0.50%	-2.62%	+3.12	23 / 930	Q1
1M	+0.09%	-2.43%	+2.52	838 / 924	Q4
3M	+0.19%	-1.42%	+1.62	829 / 916	Q4
6M	+1.03%	-0.05%	+1.08	791 / 876	Q4
YTD	+0.84%	-0.27%	+1.11	790 / 880	Q4
1Y	+2.11%	+3.14%	-1.04	781 / 835	Q4
2Y	+6.16%	+4.08%	+2.08	639 / 807	Q4
3Y	+6.53%	+4.43%	+2.10	672 / 800	Q4
4Y	+7.25%	+7.85%	-0.60	118 / 164	Q3
5Y	+6.10%	+7.36%	-1.26	51 / 77	Q3
7Y	+7.38%	+6.45%	+0.93	10 / 39	Q2
10Y	+7.82%	+6.61%	+1.21	1 / 21	Q1
Inception	+7.86%	+5.01%	+2.85	606 / 1079	Q3

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	+0.84%	+1.71%	-0.87	81 / 91
2025	+6.69%	+6.90%	-0.21	79 / 98
2024	+8.91%	+9.13%	-0.21	24 / 103
2023	+7.85%	+7.13%	+0.72	9 / 89
2022	+3.72%	-1.01%	+4.73	38 / 220
2021	+4.23%	-0.37%	+4.60	101 / 366
2020	+12.13%	+6.75%	+5.38	9 / 486
2019	+12.64%	+7.15%	+5.49	1 / 524
2018	+5.63%	+5.66%	-0.03	170 / 269
2017	+6.29%	+6.29%	0.00	163 / 279
2016	+13.95%	+8.41%	+5.54	9 / 241

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

+8.14%

152 windows

min 0.7% · max 15.3%

100% positive

3-Year rolling

+8.29%

127 windows

min 5.2% · max 11.4%

100% positive

5-Year rolling

+8.21%

103 windows

min 6.1% · max 10.1%

100% positive

7-Year rolling

+8.43%

79 windows

min 7.4% · max 10.0%

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

2.28%

3-year · annualised

Sharpe ratio

-0.06

vs risk-free 6.5%

Sortino ratio

-0.15

Downside-only deviation

Max drawdown

-1.34%

Mar 2026 → Apr 2026

% 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 FMP 1269D March 2023 - Growth Option - Direct Plan	HDFC	₹12.5263	3 Jun 2026
Nippon India Fixed Maturity Plan - XLIII - Series 1- Direct Plan - Growth Option	Nippon India	₹13.3582	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.3852	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹43.7788	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹17.7320	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.5023	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.0072	3 Jun 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹88.1692	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹47.7483	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹78.3623
2 Jun 2026	₹78.3884
1 Jun 2026	₹78.3392
31 May 2026	₹78.3368
29 May 2026	₹78.3127
27 May 2026	₹78.2502
26 May 2026	₹78.2218
25 May 2026	₹78.2240
22 May 2026	₹78.0214
21 May 2026	₹77.9651

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 03 Jun 2026, the NAV of SBI Medium to Long Duration Fund-DIRECT PLAN -Growth is ₹78.3623. It's a Medium to Long Duration Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Medium to Long Duration Fund-DIRECT PLAN -Growth has NAV history starting from 02 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 to Long Duration Fund-DIRECT PLAN -Growth 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 -Growth has delivered a absolute return of 2.11% — -1.04 pp behind the Medium to Long Duration Fund category average of 3.14%. The fund ranks #781 of 835 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI Medium to Long Duration Fund-DIRECT PLAN -Growth has delivered a CAGR of 6.53% — +2.1 pp ahead of the Medium to Long Duration Fund category average of 4.43%. The fund ranks #672 of 800 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI Medium to Long Duration Fund-DIRECT PLAN -Growth has delivered a CAGR of 6.10% — -1.26 pp behind the Medium to Long Duration Fund category average of 7.36%. The fund ranks #51 of 77 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI Medium to Long Duration Fund-DIRECT PLAN -Growth exactly 10 years ago would be worth approximately ₹212,366 today — a multiplier of 2.12×, based on the 10-year CAGR of 7.82%. The category average over the same window would have grown ₹1 lakh to ₹189,685.

A ₹10,000 monthly SIP in SBI Medium to Long Duration Fund-DIRECT PLAN -Growth over the last 5 years — total invested ₹600,000 — would be worth ₹704,566 today. That's an XIRR (money-weighted annualised return) of 6.36%.

A ₹10,000 monthly SIP for 10 years in SBI Medium to Long Duration Fund-DIRECT PLAN -Growth = ₹1,200,000 invested. It would currently be worth ₹1,726,572 (multiplier 1.44×). XIRR: 7.07%. 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 -Growth ranks #51 out of 77 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 7.36%; this fund delivered 6.10%.

The worst peak-to-trough decline SBI Medium to Long Duration Fund-DIRECT PLAN -Growth 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 -Growth averaged 8.21% (best 10.13%, worst 6.09%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.23 — negative risk-adjusted performance.

In calendar year 2025, SBI Medium to Long Duration Fund-DIRECT PLAN -Growth returned 6.69% — lagging the Medium to Long Duration Fund category average of 6.90% by 0.21 pp. It ranked #79 of 98 in its category that year.

SBI Medium to Long 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 to Long 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: 1.9%. 5-year CAGR: 6.10%.

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 -Growth

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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