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InvestVerdict

SBI MEDIUM TO LONG TERM FUND

Direct Plan · Bonus · Long Duration · Scheme code 119712

NAV₹48.2805as on 30 Oct 2026
Fund houseSBI Mutual Fund
CategoryLong Duration
Plan & optionDirect · Bonus
History13.6 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 0.032.472.57 5.346.976.28 7.257.627.82
Long Duration
category median		 ——— 2.576.287.11 ———

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

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 2.3% 0.20 0.30 — — -8.5% —

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

851552252952014201620182020202220242026InvestVerdict

Drawdown from peak (%)

0%-2%-4%-5%2014201620182020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
3,056 -1.0% 8.0% 15.5% 0%

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.

InvestVerdict

SBI MEDIUM TO LONG TERM FUND

Direct Plan · Bonus

Allocation

By asset

Debt89.80%
Cash & Equivalents9.60%
AIF Units0.31%
REITs / InvITs0.29%

By market cap

Unclassified90.40%

Concentration

Number of stocks33
Top 5 stocks29.95%
Top 10 stocks47.83%
Top 20 stocks74.68%
Lines in the filing35
Largest holding9.49%
Largest sectorSovereign 27.21%
Effective stocks27.8
Sectors held14
Cash9.60%

Effective stocks is what the concentration works out to: a fund holding 33 names but most of its money in a few behaves like a fund of 28. Cash includes repo and TREPS, which every fund parks money in overnight.

Sector split

Sovereign — 27.2%CRISIL AA — 15.2%CRISIL AA+ — 14.0%CRISIL AAA — 9.8%Cash & Equivalents — 9.6%CRISIL AAA(SO) — 4.8%CARE AA- — 3.4%CARE AA — 3.3%Other — 12.8%Sovereign27.2%CRISIL AA15.2%CRISIL AA+14.0%CRISIL AAA9.8%Cash & Equivalents9.6%CRISIL AAA(SO)4.8%CARE AA-3.4%CARE AA3.3%Other12.8%
Sovereign27.21%
CRISIL AA15.15%
CRISIL AA+14.02%
CRISIL AAA9.76%
Cash & Equivalents9.60%
CRISIL AAA(SO)4.77%
CARE AA-3.40%
CARE AA3.33%
[ICRA]AA-2.90%
[ICRA]AA+2.45%
[ICRA]AA2.44%
IND AA2.43%
IND AAA1.94%
CDMDF0.31%
Transport Infrastructure0.29%
InvestVerdict

SBI MEDIUM TO LONG TERM FUND

Direct Plan · Bonus · holdings

Top 30 holdings

#CompanySectorShares held Value
₹ cr		% of fund
1 7.24% CGL 2055 Sovereign 20,000,000 195 9.49%
2 TREPS Unclassified — 168 8.17%
3 6.68% CGL 2040 Sovereign 15,000,000 146 7.10%
4 Muthoot Finance Ltd. CRISIL AA+ 10,000 100 4.88%
5 6.90% State Government of Bihar 2035 Sovereign 10,000,000 97 4.71%
6 JSW Kalinga Steel Ltd. CRISIL AA 7,500 77 3.77%
7 Torrent Power Ltd. CRISIL AA+ 7,500 77 3.74%
8 6.94% CGL 2036 Sovereign 7,500,000 76 3.68%
9 REC Ltd. CRISIL AAA 7,500 75 3.66%
10 Indostar Capital Finance Ltd. CARE AA- 7,000 70 3.40%
11 Adani Power Ltd. CRISIL AA 7,000 70 3.40%
12 Renew Solar Energy (Jharkhand Five) Pvt. Ltd. CARE AA 7,500 68 3.33%
13 JTPM Metal Traders Ltd. CRISIL AA 6,000 64 3.14%
14 Motilal Oswal Finvest Ltd. CRISIL AA+ 6,000 60 2.95%
15 H.G. Infra Engineering Ltd. [ICRA]AA- 6,000 59 2.90%
16 Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) [ICRA]AA+ 5,000 50 2.45%
17 Small Industries Development Bank of India CRISIL AAA 5,000 50 2.44%
18 JM Financial Credit Solutions Ltd. [ICRA]AA 5,000 50 2.44%
19 Avanse Financial Services Ltd. IND AA 5,000 50 2.43%
20 Siddhivinayak Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) CRISIL AAA(SO) 50 49 2.39%
21 Shivshakti Securitisation Trust (Obligor - Digital Fibre Infrastructure Trust) CRISIL AAA(SO) 50 49 2.38%
22 6.90% CGL 2065 Sovereign 5,000,000 46 2.23%
23 National Highways Infra Trust IND AAA 7,500 40 1.94%
24 Net Receivable / Payable Unclassified — 30 1.43%
25 Bharti Telecom Ltd. CRISIL AAA 2,500 25 1.24%
26 Torrent Power Ltd. CRISIL AA+ 2,500 25 1.23%
27 Tata Power Company Ltd. CRISIL AA+ 2,500 25 1.22%
28 REC Ltd. CRISIL AAA 2,500 25 1.22%
29 Godrej Seeds & Genetics Ltd. CRISIL AA 2,500 25 1.21%
30 Godrej Seeds & Genetics Ltd. CRISIL AA 2,500 25 1.21%
InvestVerdict

SBI MEDIUM TO LONG TERM FUND

Direct Plan · Bonus · where the money sits

What the manager did last month

Between the filings of 30 Jun 2026 and 31 Jul 2026. A position grows because the manager bought or because the price rose; only the share count separates them.

BoughtSoldNew positionsSold out ofPrice move of holdings
₹0 cr ₹0 cr 0 2 +1.02%
StockShares tradedShares PriceValue
₹ cr
Sold out of
Short Term Deposits — exited — 0.0
Term Deposits Placed as Margins — exited — 0.0
Not equityPrevious filingThis filingChange
Cash, repo and TREPS ₹122 cr ₹197 cr +₹75 cr
Debt: bills, CDs and commercial paper ₹1,920 cr ₹1,842 cr −₹79 cr

The list above is stocks and fund units. Treasury bills, repo and money-market lines roll over every month by design — they are not decisions, so they are totalled here rather than listed as activity.

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹710,463 ₹110,463 6.70%

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 1 Nov 2026.