SBI Medium to Long Term Fund
- NAV as on 25 Sep 2026
- ₹73.65-0.07%1 day
- Return since launch
- 7.4%
- 52-week range
- ₹70.96 — ₹74.22
- AUM
- ₹2,046 Cr
SBI Medium to Long Term Fund is a Medium to Long Duration debt fund from SBI Mutual Fund with ₹2,046 Cr under management, launched in 1998. Over three years it has returned 5.1% a year, against 5.9% for its category. The expense ratio is 1.48% and the SEBI riskometer reading is Moderately High.
Performance
SBI Medium to Long Term Fund NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +3.7% against +3.5% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 3.7% | +0.2 pts | 3.5% | 3.5% |
| 2Y | 4.1% | +0.3 pts | 3.9% | 3.9% |
| 3Y | 5.1% | −0.8 pts | 5.9% | 4.9% |
| 5Y | 5.8% | +0.6 pts | 5.1% | 5.4% |
| 7Y | 5.8% | +0.4 pts | 5.4% | 5.2% |
| 10Y | 6.3% | +0.8 pts | 5.5% | 5.6% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -0.3% | +0.2 pts | -0.4% | -0.4% |
| 3M | 0.0% | +0.2 pts | -0.2% | -0.1% |
| 6M | 3.0% | 0.0 pts | 3.0% | 3.0% |
| 1Y | 3.7% | +0.2 pts | 3.5% | 3.5% |
| 2Y | 4.7% | +0.3 pts | 4.5% | 4.5% |
| 3Y | 6.0% | +0.2 pts | 5.9% | 5.9% |
| 5Y | 5.4% | +0.3 pts | 5.1% | 4.9% |
| 7Y | 6.5% | +0.9 pts | 5.6% | 5.6% |
| 10Y | 6.7% | +1.2 pts | 5.5% | 5.7% |
Since launch (6 Oct 1998): 7.4%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 5.9% | −0.4 pts | 6.3% |
| 2024 | 8.1% | −0.9 pts | 9.0% |
| 2023 | 7.2% | −0.1 pts | 7.3% |
| 2022 | 3.0% | −0.3 pts | 3.4% |
| 2021 | 3.6% | +0.1 pts | 3.5% |
| 2020 | 11.6% | +0.8 pts | 10.8% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
1.48%
Expense ratio as on 24 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.26%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.22%
- Exit load
- For units in excess of 10% of the investment, 1% will be charged for redemption within 1 year
- Lock-in
- None
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Medium to Long Duration Debt A-III Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderately high risk — typically balanced hybrid and index-led equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.16 | 0.21 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.24 | 0.29 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 2.34 | 2.68 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
SBI Medium to Long Term Fund portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt91.0%
- Other9.0%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| GOI | Sovereign | 11.76% | ₹241 Cr | +5.14% | +11.84% | +7.55% |
| Others | Others | 9.04% | ₹185 Cr | +0.93% | +0.88% | +0.84% |
| Torrent Power Ltd. | Energy | 4.94% | ₹101 Cr | +7.50% | +7.41% | +7.92% |
| Muthoot Finance Ltd. | Financial | 4.86% | ₹99.40 Cr | +2.48% | — | — |
| Bihar State | Others | 4.66% | ₹95.38 Cr | +4.67% | +4.61% | +4.94% |
| JSW Kalinga Steel Ltd. | Metals & Mining | 3.79% | ₹77.60 Cr | +3.73% | — | — |
| Adani Power Ltd. | Energy | 3.40% | ₹69.60 Cr | +3.43% | +3.34% | — |
| Indostar Capital Finance Ltd. | Financial | 3.40% | ₹69.50 Cr | +3.42% | +3.37% | +2.99% |
| Renew Solar Energy (Jharkhand Five) Pvt. Ltd. | Others | 3.33% | ₹68.21 Cr | +3.40% | +3.36% | +3.66% |
| JTPM Metal Traders Ltd. | Metals & Mining | 3.16% | ₹64.68 Cr | +3.12% | +3.00% | — |
| Motilal Oswal Finevest Ltd. | Financial | 2.95% | ₹60.26 Cr | +2.97% | +2.90% | — |
| H.G. Infra Engineering Ltd. | Construction | 2.90% | ₹59.26 Cr | +2.92% | +2.87% | +3.04% |
| Tata Power Renewable Energy Ltd. | Capital Goods | 2.48% | ₹50.65 Cr | +2.41% | +2.45% | +2.59% |
| JM Financial Credit Solutions Ltd. | Financial | 2.45% | ₹50.04 Cr | +2.47% | +2.41% | +2.56% |
| Avanse Financial Services Ltd. | Financial | 2.43% | ₹49.77 Cr | — | +2.64% | +2.80% |
| Siddhivinayak Securitisation Trust | Others | 2.39% | ₹48.85 Cr | +2.41% | +2.40% | — |
| Shivshakti Securitisation Trust | Others | 2.37% | ₹48.59 Cr | +2.41% | +2.40% | — |
| National Highways Infra Trust | Construction | 1.92% | ₹39.30 Cr | +1.88% | +1.84% | +1.89% |
| Godrej Seeds & Genetics Ltd. | Consumer Staples | 1.21% | ₹24.67 Cr | +1.21% | +1.19% | +1.26% |
| Tata Power Company Ltd. | Energy | 1.21% | ₹24.67 Cr | — | — | — |
| Bharti Telecom Ltd. | Communication | 1.20% | ₹24.59 Cr | +1.25% | +1.24% | +1.32% |
| Raajmarg Infra Investment Trust | Construction | 0.31% | ₹6.29 Cr | +0.28% | — | — |
| company:5848 | Others | 0.01% | ₹0.27 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Small Industries Devp. Bank of India Ltd. | 2.44% | 0.00% | -2.44% |
| GOI | 9.49% | 11.76% | +2.27% |
| REC Ltd. | 1.22% | 0.00% | -1.22% |
| Bihar State | 4.71% | 4.66% | -0.05% |
| Bharti Telecom Ltd. | 1.24% | 1.20% | -0.04% |
| Tata Power Renewable Energy Ltd. | 2.45% | 2.48% | +0.03% |
| JSW Kalinga Steel Ltd. | 3.77% | 3.79% | +0.02% |
| JTPM Metal Traders Ltd. | 3.14% | 3.16% | +0.02% |
| National Highways Infra Trust | 1.94% | 1.92% | -0.02% |
| Raajmarg Infra Investment Trust | 0.29% | 0.31% | +0.02% |
| Muthoot Finance Ltd. | 4.88% | 4.86% | -0.02% |
| JM Financial Credit Solutions Ltd. | 2.44% | 2.45% | +0.01% |
| Tata Power Company Ltd. | 1.22% | 1.21% | -0.01% |
| Torrent Power Ltd. | 1.23% | 1.22% | -0.01% |
| company:5848 | 0.00% | 0.01% | +0.01% |
| Shivshakti Securitisation Trust | 2.38% | 2.37% | -0.01% |
| Adani Power Ltd. | 3.40% | 3.40% | 0.00% |
| Avanse Financial Services Ltd. | 2.43% | 2.43% | 0.00% |
| Godrej Seeds & Genetics Ltd. | 1.21% | 1.21% | 0.00% |
| H.G. Infra Engineering Ltd. | 2.90% | 2.90% | 0.00% |
| Indostar Capital Finance Ltd. | 3.40% | 3.40% | 0.00% |
| Motilal Oswal Finevest Ltd. | 2.95% | 2.95% | 0.00% |
| Others | 0.31% | 0.31% | 0.00% |
| Renew Solar Energy (Jharkhand Five) Pvt. Ltd. | 3.33% | 3.33% | 0.00% |
| Siddhivinayak Securitisation Trust | 2.39% | 2.39% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹674 Cr | 1.12% | 4.3% | 5.4% | 5.8% |
 ICICI Prudential Medium to Long Term Fund | ₹2,048 Cr | 1.00% | 3.7% | 5.6% | 6.2% |
 Bandhan Medium to Long Term Fund | ₹429 Cr | 2.01% | 5.2% | 5.2% | 5.3% |
 LIC MF Medium to Long Term Fund | ₹175 Cr | 0.62% | 4.3% | 5.6% | 6.0% |
 Franklin India Medium to Long Term Fund | ₹42.36 Cr | 0.85% | 3.8% | — | — |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to provide investors an opportunity to generate regular income through investments in debt and money market instruments such that the Macaulay duration of the portfolio is between 4 years and 7 years.
Fund managers
- Mohit JainMr. Jain is B.E (Engineering) & CFA (Level III candidate)Prior to joining SBI Mutual Fund, he has worked with Crisil Ltd. as a Research Analyst.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months2.98% absolute | ₹60,000 | ₹61,788 | 2.98% | |
| 1 year3.72% annualised | ₹1,20,000 | ₹1,22,446 | 2.04% | |
| 3 years6.04% annualised | ₹3,60,000 | ₹3,95,578 | 9.88% | |
| 5 years5.42% annualised | ₹6,00,000 | ₹6,90,504 | 15.08% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.