HealthyDirect · GrowthFit for a long SIP
SBI MEDIUM TO LONG TERM FUND
SBI Mutual FundIncome/Debt Oriented Schemes - Medium to Long Term Fund13.8 years
- NAV
- 79.6598
- 29 Oct 2026
- 1Y
- +3.0%
- Trailing CAGR
- AUM
- ₹2,036.27 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.0% 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
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
In three lines
Fits if · The fund beat the category median in 88% of rolling 3-year windows.
Fits if · Three-year return is above the category median.
Buy checklist
History depth
Pass
13.8 years of path to read.
Engine status
Pass
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Expense ratio
Pass
0.78% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -8.5%. Ask whether you can hold through a similar fall.
Vs category
Pass
88% 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 ≈ 61.4% of the portfolio.
Evidence supports a shortlist - confirm with peers before you buy elsewhere.
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+3.0%
- 3Y+6.5%
- 5Y+6.0%
- 10Y+7.3%
- SI+7.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+2.7%
- 3Y+5.1%
- 5Y+6.0%
- 10Y+6.8%
- Since inception
- +7.8%
- Calendar-day CAGR
- Excess 1Y
- +0.6%
- Category median, same plan and option
- 3Y win rate
- +88%
- Windows beating the median
- 3Y percentile
- 64
- Vs comparable share classes
- SIP 3Y XIRR
- +5.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +5.1%
- 2614 daily-ending windows
- Median rolling 3Y
- +8.3%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 2131 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -8.5%
- Worst peak-to-trough
- Current
- -1.3%
- Below last peak
- Current spell
- 76 days
- Days below latest peak
- Time below peak
- +69%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 304 recovered episodes
- Longest recovery
- 289 days
- Trough to prior peak
27 May 2013 – 4 Jun 2014
Trough 19 Aug 2013 · recovered in 289 days
-8.5%
9 Mar 2020 – 21 Apr 2020
Trough 19 Mar 2020 · recovered in 33 days
-3.3%
5 Apr 2018 – 24 Jul 2018
Trough 7 Jun 2018 · recovered in 47 days
-1.9%
30 Mar 2022 – 28 Jul 2022
Trough 9 May 2022 · recovered in 80 days
-1.9%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
64
Vs category
53
Consistency
78
Risk-adjusted
57
Drawdown
79
Mean
66
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Healthy
Buying stance
Fit for a long SIP
Evidence supports keeping this on a shortlist for a multi-year equity SIP.
Why this status
- No material deterioration, cost shock, or persistent category underperformance in the current evidence set.
Supporting reads
- The fund beat the category median in 88% of rolling 3-year windows.
- Three-year return is above the category median.
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 31 holdings · top 10 are 61.4%.
- Top 5
- 42.4%
- Top 10
- 61.4%
- Largest holding
- 12.7%
- Effective holdings
- 17.4
Repo
Unspecified
12.7%
GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100
Entities
11.7%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
8.5%
MUTHOOT FINANCE LIMITED RR NCD 26JL29 FVRS1LAC
Financial
4.9%
GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100
Entities
4.6%
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
Franklin India Medium to Long Term Fund
Franklin Templeton Mutual Fund
- 1Y
- +3.1%
- 3Y
- n/a
- Vol
- 1.9%
- Max DD
- -1.8%
- Sharpe
- -0.15
- 3Y win
- n/a
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Lower TER
Caveat: Lower trailing returns
LIC MF Medium to Long Term Fund
LIC Mutual Fund
- 1Y
- +3.4%
- 3Y
- +7.3%
- Vol
- 2.7%
- Max DD
- -6.2%
- Sharpe
- 0.42
- 3Y win
- +22%
- Lower volatility
- Shallower drawdown
- Lower TER
- Higher trailing returns
ICICI Prudential Medium to Long Term Fund
ICICI Prudential Mutual Fund
- 1Y
- +2.5%
- 3Y
- +6.6%
- Vol
- 3.1%
- Max DD
- -10.2%
- Sharpe
- 0.60
- 3Y win
- +89%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Canara Robeco Medium To Long Term Fund
Canara Robeco Mutual Fund
- 1Y
- +2.2%
- 3Y
- +6.1%
- Vol
- 2.9%
- Max DD
- -5.5%
- Sharpe
- 0.50
- 3Y win
- +38%
- Lower volatility
- Shallower drawdown
- Lower TER
Caveat: Lower trailing returns
Bandhan Medium to Long Term Fund
Bandhan Mutual Fund
- 1Y
- +5.1%
- 3Y
- +6.8%
- Vol
- 3.6%
- Max DD
- -6.9%
- Sharpe
- 0.47
- 3Y win
- +55%
- Shallower drawdown
- Higher trailing returns
Caveat: Higher volatility · Higher TER