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MF Analyser

SBI MEDIUM TO LONG TERM FUND

Regular Plan · IDCW · Long Duration · Scheme code 100638

NAV₹19.2650as on 25 Sep 2026
Fund houseSBI Mutual Fund
CategoryLong Duration
Plan & optionRegular · IDCW
History20.5 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme -0.531.002.37 4.056.155.45 6.024.443.22
Long Duration
category median		 ——— 4.005.908.02 —7.01—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 4.5% -0.08 -0.09 — — -10.1% —

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the — months this scheme and its benchmark share.

Growth of ₹100 since launch

921281631992008201020122014201620182020202220242026MF Analyser

Drawdown from peak (%)

0%-3%-7%-10%2008201020122014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
943 -8.2% 3.1% 13.9% 19%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

MF Analyser

SBI MEDIUM TO LONG TERM FUND

Regular Plan · IDCW

Allocation

By asset

Debt90.65%
Cash & Equivalents8.73%
AIF Units0.31%
REITs / InvITs0.31%

By market cap

Unclassified91.27%

Concentration

Number of stocks30
Top 5 stocks39.27%
Top 10 stocks56.91%
Top 20 stocks82.18%
Lines in the filing32
Largest holding11.76%
Largest sectorSovereign 36.64%
Effective stocks20.7
Sectors held14
Cash8.73%

Effective stocks is what the concentration works out to: a fund holding 30 names but most of its money in a few behaves like a fund of 21. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

Sovereign — 36.6%CRISIL AA — 15.2%CRISIL AA+ — 14.0%Cash & Equivalents — 8.7%CRISIL AAA(SO) — 4.8%CARE AA- — 3.4%CARE AA — 3.3%Other — 14.0%Sovereign36.6%CRISIL AA15.2%CRISIL AA+14.0%Cash & Equivalents8.7%CRISIL AAA(SO)4.8%CARE AA-3.4%CARE AA3.3%Other14.0%
Sovereign36.64%
CRISIL AA15.18%
CRISIL AA+13.96%
Cash & Equivalents8.73%
CRISIL AAA(SO)4.76%
CARE AA-3.40%
CARE AA3.33%
[ICRA]AA-2.90%
[ICRA]AA+2.48%
[ICRA]AA2.45%
IND AA2.43%
IND AAA1.92%
CRISIL AAA1.20%
CDMDF0.31%
Transport Infrastructure0.31%
MF Analyser

SBI MEDIUM TO LONG TERM FUND

Regular Plan · IDCW · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 7.24% CGL 2055 Sovereign 25,000,000 241 11.76%
2 6.68% CGL 2040 Sovereign 20,000,000 193 9.44%
3 6.94% CGL 2036 Sovereign 17,500,000 175 8.55%
4 TREPS Unclassified — 122 5.97%
5 Muthoot Finance Ltd. CRISIL AA+ 10,000 99 4.86%
6 6.90% State Government of Bihar 2035 Sovereign 10,000,000 95 4.66%
7 JSW Kalinga Steel Ltd. CRISIL AA 7,500 78 3.79%
8 Torrent Power Ltd. CRISIL AA+ 7,500 76 3.72%
9 Indostar Capital Finance Ltd. CARE AA- 7,000 70 3.40%
10 Adani Power Ltd. CRISIL AA 7,000 70 3.40%
11 Renew Solar Energy (Jharkhand Five) Pvt. Ltd. CARE AA 7,500 68 3.33%
12 JTPM Metal Traders Ltd. CRISIL AA 6,000 65 3.16%
13 Motilal Oswal Finvest Ltd. CRISIL AA+ 6,000 60 2.95%
14 H.G. Infra Engineering Ltd. [ICRA]AA- 6,000 59 2.90%
15 Net Receivable / Payable Unclassified — 57 2.76%
16 Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) [ICRA]AA+ 5,000 51 2.48%
17 JM Financial Credit Solutions Ltd. [ICRA]AA 5,000 50 2.45%
18 Avanse Financial Services Ltd. IND AA 5,000 50 2.43%
19 Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) CRISIL AAA(SO) 50 49 2.39%
20 Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) CRISIL AAA(SO) 50 49 2.37%
21 6.90% CGL 2065 Sovereign 5,000,000 45 2.22%
22 National Highways Infra Trust IND AAA 7,500 39 1.92%
23 Torrent Power Ltd. CRISIL AA+ 2,500 25 1.22%
24 Godrej Seeds & Genetics Ltd. CRISIL AA 2,500 25 1.21%
25 Godrej Seeds & Genetics Ltd. CRISIL AA 2,500 25 1.21%
26 Tata Power Company Ltd. CRISIL AA+ 2,500 25 1.21%
27 Godrej Seeds & Genetics Ltd. CRISIL AA 2,500 25 1.21%
28 Godrej Seeds & Genetics Ltd. CRISIL AA 2,500 25 1.20%
29 Bharti Telecom Ltd. CRISIL AAA 2,500 25 1.20%
30 Corporate Debt Market Development Fund-A2 CDMDF 5,273 6 0.31%
MF Analyser

SBI MEDIUM TO LONG TERM FUND

Regular Plan · IDCW · where the money sits

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹695,448 ₹95,448 5.84%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 27 Sep 2026.