Sharpe ratio
0.45Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.79%1Y Absolute Return
-0.15%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| SBI Medium to Long Duration Fund-DIRECT PLAN -GrowthFund 5Y annualised return | ₹8,49,815 | ₹7,32,612 | ₹1,17,203 | +6.16% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.9 yrs
Fund information
Scheme code119714
ISININF200K01SR2
BenchmarkCRISIL Medium to Long Duration Debt A-III Index
CategoryDebt Scheme - Medium to Long Duration Fund
Expense ratio0.78%
Exit loadFor units in excess of 10% of the investment, 1% will be charged for redemption within 1 year
Minimum SIP₹500 SIP
Return comparison
12th / 101 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +12.41% | — | — |
| 3M | -1.41% | — | — |
| 6M | +5.90% | — | — |
| 1Y | +3.79% | — | +1.72% |
| 3Y | +6.74% | — | +4.29% |
| 5Y | +6.16% | — | +4.03% |
| 10Y | +7.38% | — | — |
| Since Launch | +7.80% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.69Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
2.21%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.91How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt93.78%
Cash5.93%
Real Estate0.29%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 32 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 13.04% |
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 12.07% |
| STATE DEVELOPMENT LOAN 36215 BH 16JL35 6.90 FV RS 100 | Unspecified | State Development Loan | 4.68% |
| Repo | Unspecified | Repo | 3.75% |
| JSW Kalinga Steel Ltd. | Materials | Debenture | 3.75% |
| TORRENT POWER LIMITED SR 11 TR 11D 8.5 NCD 07JU31 FVRS1LAC | Energy & Utilities | Debenture | 3.74% |
| GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100 | Entities | GOI Securities | 3.7% |
| REC LIMITED SR 253 7.38 BD 28FB29 FVRS1LAC | Financial | Bonds | 3.68% |
| BHARTI TELECOM LIMITED SR XXVI 7.45 NCD 15DC28 FVRS1LAC | Technology | Debenture | 3.61% |
| ADANI POWER LIMITED SR I 8 NCD 27JN28 FVRS1LAC | Energy & Utilities | Debenture | 3.41% |
Fund management
PR
Pradeep Kesavan
Since 2023 · Prior to joining SBI MF, he has worked with Elara Capital, Accenture Strategy, Morgan Stanley and 3i Infotech
Mr. Kesavan has done B.Com, MBA (Finance) and CFA
MO
Mohit Jain
Since 2025 · Prior to joining SBI Mutual Fund, he has worked with Crisil Ltd. as a Research Analyst.
Mr. Jain is B.E (Engineering) & CFA (Level III candidate)
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk debt scheme - medium to long duration fund. Ranks 12 of 101 in its category over 1 year. Has fallen sharply before — down -8.5% at its worst.
Strengths
- Ranks 12 of 101 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -8.5% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderately high risk level.
Risk drivers
- None