MF Gyan
debtLow risk4 years oldSteady vs its 3-year pace

SBI Long Term Fund - Direct Plan - Growth

Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals. From SBI Mutual Fund. It's been running since 28 Dec 2022.

Latest price per unit
₹12.7273
▼ 0.00% today
As of 4 Sep 2026 · updated once each business day

What ₹1 lakh would have become

Based on past returns
Invested 1 year ago
₹1.03 L
▲ ₹3.0k gain · 3.0% / year
Invested 3 years ago
₹1.20 L
▲ ₹19.7k gain · 6.2% / year

These are calculations from the fund's past prices, not a prediction. Real future returns can and often do differ.

SIP simulator

Play with a monthly investment

Slide the amount and switch the duration. Left column uses real past prices. Right column projects forward using this fund's historical rate — a calculation, not a prediction.

₹5.0k
Looking back · real
You would have invested₹1.80 L
Value today₹1.91 L
Gain / loss+₹11.5k
XIRR (annualised)4.26%
Looking forward · hypothetical
You would invest₹1.80 L
Would become*₹1.92 L
Projected gain*+₹12.3k
*at this fund's historical rate of 4.26% per year. Actual future returns can be different — sometimes very different.
Value Cumulative invested
Reality check. The backward SIP is real math on real past NAVs. The forward projection assumes the fund keeps up its historical rate — which rarely happens exactly. Past performance is not a promise. MF Gyan does not recommend any specific investment.
How it compares to peers

Vs 31 other funds in Income/Debt Oriented Schemes - Long Term Fund

Same plan
1-year return
2.99%median 2.58% (+0.41%)
Rank #10 of 32Beats 71% of peers
3-year return
6.18%median 5.56% (+0.62%)
Rank #6 of 32Beats 77% of peers
Bumpiness (3Y)
3.78%median 4.19% (-0.42%)
Rank #4 of 32Less risky than 90% of peers
Worst-ever drop
-4.45%median -5.99% (+1.54%)
Rank #29 of 32Less risky than 10% of peers

Descriptive rankings within the same category and plan. Not a recommendation — one fund beating another historically does not mean it will continue to do so.

Year by year

Calendar-year returns. 4 of last 5 years were positive.

-0%
2022
+8%
2023
+12%
2024
+4%
2025
+2%
2026
Best year
2024 · 12.05%
Worst year
2022 · -0.05%

Price over time

How the per-unit price has moved. Tap a range to zoom in.

Bumpiness & worst drops

Day-to-day bumpiness
3.8%

The value swings roughly 4% up or down in a typical year. Finance-speak calls this volatility.

Worst drop ever
-4.45%

A lump sum invested at the previous peak would have temporarily lost about this much before recovering. Finance-speak calls this max drawdown.

Similar funds you might want to look at

Same category, same plan, sorted by 3-year return. Not recommendations — just neighbours.

Head-to-head comparisons

Side-by-side comparisons of SBI Long Term Fund - Direct Plan - Growth against other debt funds.

Technical details (for the pros)
CAGR — 1 year2.99%
CAGR — 3 years6.18%
CAGR — 5 years—
CAGR — since launch6.79%
Volatility — 1 year (annualised)4.07%
Volatility — 3 years (annualised)3.78%
Max drawdown — 1 year-3.63%
Max drawdown — 3 years-4.45%
Sharpe ratio — 1 year (rf=6%)-0.73
Sharpe ratio — 3 years (rf=6%)0.05

Fund info

Fund house
SBI Mutual Fund
Category
Income/Debt Oriented Schemes - Long Term Fund
Plan
Direct
Option
Growth
ISIN (Growth)
INF200KA16T4
ISIN (Div re-invest)
—
Fund code
151214
First price on record
28 Dec 2022 · 901 daily prices

About SBI Long Term Fund - Direct Plan - Growth

SBI Long Term Fund - Direct Plan - Growth is a Income/Debt Oriented Schemes - Long Term Fund offered by SBI Mutual Fund under the Direct plan with the Growth option. It has approximately 4 years of NAV track record. The fund falls in the debt category — Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals.

The current NAV of SBI Long Term Fund - Direct Plan - Growth is ₹12.7273 (as of 4 Sep 2026). Historically, it has delivered 2.99% over the last year, 6.18% CAGR over 3 years. Returns are historical and don't predict future performance.

Over the last three years, the fund's prices have moved with 3.8% annualised volatility — a "low" level of bumpiness; its deepest peak-to-trough fall on record was 4.4%. Being mentally prepared for drawdowns of this size is what separates long-term investors from reactive traders.

Frequently asked

What is the latest NAV of SBI Long Term Fund - Direct Plan - Growth?+

The latest NAV of SBI Long Term Fund - Direct Plan - Growth is ₹12.7273 as of 4 Sep 2026, down 0.00% from the previous day. NAV is updated once a business day after the market close.

What are the returns of SBI Long Term Fund - Direct Plan - Growth?+

SBI Long Term Fund - Direct Plan - Growth has delivered 1-year return 2.99%, 3-year CAGR 6.18%, since-inception CAGR 6.79%. Returns are historical and don't predict future performance — markets move in cycles.

What category does SBI Long Term Fund - Direct Plan - Growth belong to?+

SBI Long Term Fund - Direct Plan - Growth is categorised as Income/Debt Oriented Schemes - Long Term Fund. Invests in bonds and loans. Lower returns than equity but much less bumpy — often used for shorter goals.

How risky is SBI Long Term Fund - Direct Plan - Growth?+

Based on its 3-year annualised volatility of 3.8%, SBI Long Term Fund - Direct Plan - Growth sits in the "low" risk bucket. Volatility measures how much prices swing — higher means bigger ups and downs along the way.

Is SBI Long Term Fund - Direct Plan - Growth a direct plan?+

SBI Long Term Fund - Direct Plan - Growth is a Direct plan (no distributor commission — lower expense ratio) with the Growth option (all returns compound within the fund, no interim payouts).

How old is SBI Long Term Fund - Direct Plan - Growth?+

SBI Long Term Fund - Direct Plan - Growth has NAV history available from 28 Dec 2022 — approximately 4 years of track record and 901 daily NAV observations.

Numbers are computed from stored daily prices from mfapi.in/AMFI. This is descriptive analytics, not investment advice. Past performance is not indicative of future returns.