MonitorDirect · GrowthWatch before adding
SBI 10 YEAR CONSTANT MATURITY GILT FUND
SBI Mutual FundIncome/Debt Oriented Schemes - 10-year Constant Maturity Gilt Fund13.8 years
- NAV
- 68.0064
- 29 Oct 2026
- 1Y
- +1.3%
- Trailing CAGR
- AUM
- ₹1,500.73 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.1% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · The fund beat the category median in 60% of rolling 3-year windows.
Fits if · Risk-adjusted return sits above the documented risk-free proxy.
Prefer peers if · Prefer Bandhan 10 year Constant Maturity Gilt Fund if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.32% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -4.5%. Ask whether you can hold through a similar fall.
Vs category
Pass
60% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 100.0% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+1.3%
- 3Y+6.5%
- 5Y+5.4%
- 10Y+7.3%
- SI+8.2%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.1%
- 3Y+4.2%
- 5Y+5.5%
- 10Y+6.4%
- Since inception
- +8.2%
- Calendar-day CAGR
- Excess 1Y
- -0.1%
- Category median, same plan and option
- 3Y win rate
- +60%
- Windows beating the median
- 3Y percentile
- 50
- Vs comparable share classes
- SIP 3Y XIRR
- +4.2%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.5%
- 2614 daily-ending windows
- Median rolling 3Y
- +9.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2130 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -4.5%
- Worst peak-to-trough
- Current
- -2.9%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +63%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 6 days
- 344 recovered episodes
- Longest recovery
- 90 days
- Trough to prior peak
14 Dec 2021 – 6 Sept 2022
Trough 13 Jun 2022 · recovered in 85 days
-4.5%
14 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-3.5%
5 Jan 2021 – 10 Jun 2021
Trough 12 Mar 2021 · recovered in 90 days
-3.3%
9 Mar 2020 – 20 Apr 2020
Trough 19 Mar 2020 · recovered in 32 days
-2.7%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
50
Vs category
50
Consistency
54
Risk-adjusted
64
Drawdown
89
Mean
61
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
- The fund beat the category median in 60% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 6 holdings · top 10 are 100.0%.
- Top 5
- 99.7%
- Top 10
- 100.0%
- Largest holding
- 65.2%
- Effective holdings
- 2.2
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
65.2%
GOI Sec 7.18 24/07/2037
Entities
15.9%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100
Entities
9.6%
GOVERNMENT OF INDIA 35031 GOI 07OT34 6.79 FV RS 100
Entities
6.5%
Net Receivables
Unspecified
2.5%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Bandhan 10 year Constant Maturity Gilt Fund
Bandhan Mutual Fund
- 1Y
- +2.6%
- 3Y
- +7.3%
- Vol
- 3.3%
- Max DD
- -5.0%
- Sharpe
- 0.79
- 3Y win
- +62%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
ICICI Prudential 10 year Constant Maturity Gilt Fund
ICICI Prudential Mutual Fund
- 1Y
- +1.7%
- 3Y
- +6.8%
- Vol
- 3.8%
- Max DD
- -4.7%
- Sharpe
- 0.62
- 3Y win
- +74%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
UTI 10 year Constant Maturity Gilt Fund
UTI Mutual Fund
- 1Y
- +1.1%
- 3Y
- +6.5%
- Vol
- 3.0%
- Max DD
- -3.3%
- Sharpe
- 0.19
- 3Y win
- +12%
- Lower volatility
- Shallower drawdown
Caveat: Higher TER · Lower trailing returns
DSP 10 year Constant Maturity Gilt Fund
DSP Mutual Fund
- 1Y
- -0.1%
- 3Y
- +5.8%
- Vol
- 4.0%
- Max DD
- -5.5%
- Sharpe
- 0.29
- 3Y win
- +0%
- Lower TER
Caveat: Higher volatility · Deeper drawdown · Lower trailing returns