This is the Regular plan of SBI Long Term Fund — bought through a distributor, whose commission is paid out of its expense ratio. Income is distributed, which is why this NAV sits below the growth plan of the same fund.
NAV history
Scorecard
Not ratedHow this is computed
Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. Not rated — too few comparable Debt funds (same plan and option) to rank against yet.
Not enough Long Term Fund peers to rank yet
Volatility 3.8% (no category average yet)
0.7% expense (no category average yet)
100% of rolling 3Y windows were positive
Strengths & concerns
Generated from this fund's own numbers against its sub-category — each point names the figure behind it.
Strengths
- Consistent — positive in 100% of rolling 3-year windows
Concerns
No significant concerns identified.
Key Metrics
Scheme Info
DefinitionsPeriod returns (<1Y, absolute — not annualized)
DefinitionsAnnualized returns (≥1Y — CAGR)
DefinitionsAdvanced metrics — risk
Fund vs category average (Long Term Fund)
| Period | Fund | Category avg. | Diff |
|---|---|---|---|
| 1M abs | -0.45% | — | — |
| 3M abs | -1.73% | — | — |
| 6M abs | +3.88% | — | — |
| 1Y CAGR | +0.86% | — | — |
| 3Y CAGR | +5.70% | — | — |
| 5Y CAGR | — | — | — |
Category average across peers in Long Term Fund, same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).
Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.
Backtest this fund
What a SIP or one-time investment would have grown to over this fund’s real NAV history.
36 monthly installments of ₹10,000 into SBI Long Term Fund, valued at the latest NAV. XIRR annualizes for each installment’s timing.
Calendar-year returns
What the fund actually returned in each year, not the smoothed average.
| Year | Fund | |
|---|---|---|
| 2026part | +0.83% | |
| 2025 | +3.37% | |
| 2024 | +11.21% | |
| 2023 | +7.82% | |
| 2022part | -0.06% |
January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.
Taxation
Taxed as debtThis is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — every rupee of gain is added to your income and taxed at your income-tax slab rate, whatever the holding period.
Your income-tax slab — no LTCG or indexation benefit
Pick your slab to see the rate that applies to you.
Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.
Asset allocation
As on 31 Aug 2026 · AMC disclosure- Debt85.60%
- Cash & Equivalents13.77%
- Other0.63%
AMC Profile
SBI Mutual Fund is a joint venture between the State Bank of India and Amundi of France, and was set up in 1987 as the first fund house in India outside UTI. It is the largest by assets, helped by managing a share of the EPFO's ETF investments.
Fund Managers
ABArdhendu BhattacharyaStart date not disclosed
Fixed Income Dealer Fund Manager
PGDM-Goa Institute of Management
Mr. Ardhendu Bhattacharya (Fixed Income Dealer) joined SBIFML in April 2019. He has over 12 years of experience in finance sector. Prior to joining SBIFML, he was previously associated with following entities. ICICI Bank Limited (June 2014 – April 2019) - Primarily involved in trading in money markets and short term corporate bonds Citibank N.A. (April 2010 – June 2013) - Principally handled currency and trade sales Currently he is managing debt portion of SBI Retirement Benefit Fund - Aggressive Plan, SBI Retirement Benefit Fund - Aggressive Hybrid Plan, SBI Retirement Benefit Fund - Conservative Hybrid Plan and SBI Retirement Benefit Fund - Conservative Plan, SBI Floating Rate Debt Fund and Co-Fund Manager of SBI Corporate Bond Fund, SBI Banking & PSU Fund, SBI Arbitrage Opportunities Fund, SBI Long Duration Fund, SBI Income Plus Arbitrage Active FOF, and SBI Dynamic Asset Allocation Active FOF.
- SBI Arbitrage Fund
- SBI BANKING & PSU DEBT FUND
- SBI Corporate Bond Fund
- SBI Income Plus Arbitrage Active FOF
- SBI Retirement Benefit Fund - Aggressive Hybrid Plan
- SBI Retirement Benefit Fund - Aggressive Plan
- SBI Retirement Benefit Fund - Conservative Hybrid Plan
- SBI Retirement Benefit Fund - Conservative Plan
Fund manager, benchmark and dealing terms from this scheme's SEBI-filed Scheme Information Document on AMFI. Each manager's qualifications and role are reconciled across every filing this fund house makes for them, including its Statement of Additional Information. Total AUM via AMFI.
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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.
About Debt funds
Debt funds lend to governments and companies and earn interest. They're generally steadier than equity funds and are used for shorter horizons and stability.
Frequently asked questions
What is the NAV of SBI Long Term Fund?
As of 05 Oct 2026, the NAV of SBI Long Term Fund is ₹12.48 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.
What returns has SBI Long Term Fund delivered?
SBI Long Term Fund has returned +0.86% over 1 year, +5.70% per year over 3 years and +6.08% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.
What is the expense ratio of SBI Long Term Fund?
SBI Long Term Fund charges an expense ratio of 0.68% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.
What are the top holdings of SBI Long Term Fund?
SBI Long Term Fund's largest holdings are 7.71% CGL 2066 (37.5%), 7.74% State Government of Tamil Nadu 2036 (17.4%), 6.90% CGL 2065 (13.2%), 7.43% CGL 2076 (11.4%) and 7.63% State Government of Gujarat 2037 (6.1%). Holdings are disclosed monthly and change over time.
How risky is SBI Long Term Fund?
SBI Long Term Fund is rated moderate on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 3.8% and its worst peak-to-trough fall in our sample was -4.7%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.
What does the Sharpe ratio of -0.21 mean?
The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. SBI Long Term Fund's -0.21 means it has not compensated investors for its volatility over the window. Higher is better.
What is the benchmark of SBI Long Term Fund?
SBI Long Term Fund is benchmarked against the CRISIL Long Duration Fund AIII Index. Its alpha and beta on this page are measured against that index.
Who manages SBI Long Term Fund?
SBI Long Term Fund is managed by Ardhendu Bhattacharya at SBI.
How is SBI Long Term Fund taxed?
SBI Long Term Fund is a debt / non-equity fund. Since April 2023 there is no long-term or indexation benefit — capital gains are added to your income and taxed at your income-tax slab rate regardless of how long you held the units.