SBI MEDIUM TERM FUND - Direct Plan - IDCW
To provide investors an opportunity to generate attractive returns with moderate degree of liquidity through investments in debt and money market instruments such that the Macaulay duration of the portfolio is between 3 years – 4 years. However, there is no guarantee or assurance that the investment objective of the scheme will be achieved. The scheme doesn’t assure or guarantee any returns.Read more
AMC websiteScheme documentsNAV history (AMFI)
- Current NAV₹23.0420
- Fund Size (AUM)₹ 6,419 Cr.
- Expense Ratio0.72 %
- 1Y Return+5.08%
- 3Y Return (CAGR)+7.44%
- 5Y Return (CAGR)+6.62%
- Category Rank (3Y)—
- RiskometerModerately High Risk
- Min. SIP / Lump sum₹ 500 / ₹ 5,000
More figures (11)
- Since Launch (CAGR)+5.56%
- Benchmark—
- Volatility (3Y)1.25 %
- Sharpe Ratio (3Y)0.75
- Beta (3Y)—
- 52-week High / Low₹23.2711 / ₹21.9285
- Max Drawdown-7.5 %
- Launched17 Apr 2013
- Lock-inNone
- Portfolio Turnover—
- Fund ManagersLokesh Mallya, Mohit Jain
Performance chart
Past performance may or may not be sustained in future.
Quick take
- Over 5 years it returned 6.6% a year.
- Volatility over 3 years was 1.3% a year, with a Sharpe ratio of 0.75.
- Its biggest fall from a peak was 7.5% (17 May 2013 to 28 Aug 2013).
- Across all 3-year periods since launch, yearly returns ranged from 2.2% to 8.7% and were positive 100% of the time.
- Expense ratio 0.72%, fund size ₹6,419 crore.
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Book a free consultation Compare with other fundsReturns vs benchmark and category
| Returns (%) | 1W | 1M | 3M | 6M | YTD | 1Y | 2Y | 3Y | 5Y | 7Y | 10Y | Since launch |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | -0.19% | -0.74% | +0.11% | +2.44% | +3.93% | +5.08% | +6.70% | +7.44% | +6.62% | +7.16% | +5.93% | +5.56% |
Point-to-point NAV returns as on 16 Oct 2026; over 1 year, yearly compounded (CAGR). Category: Direct Growth plans in Medium & Long Duration Funds. Q1 = top quarter by return over that period.
Calendar-year returns
| Year | 2026 YTD | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| This fund | +3.93% | +8.00% | +8.69% | +7.81% | +3.97% | +4.41% | +12.79% | +5.15% | +2.52% | +1.22% | +8.55% |
January to December each year; the current year is to date.
Risk and consistency
| Risk measure | 3 years | 5 years |
|---|---|---|
| Volatility (standard deviation) ? | 1.25% | 1.40% |
| Sharpe ratio ? | 0.75 | 0.09 |
| Sortino ratio ? | 1.08 | 0.11 |
| Maximum drawdown | -1.01% | -1.69% |
Rolling 3-year returns (yearly)
Rolling 5-year returns (yearly)
Every 3- and 5-year period since launch, checked weekly. It shows how consistent returns were, whenever someone invested.
SIP returns: ₹10,000 every month
| SIP for | Invested | Value today | Gain | XIRR |
|---|---|---|---|---|
| 1Y | ₹1,20,000 | ₹1,22,884 | ₹2,884 | +4.47% |
| 3Y | ₹3,60,000 | ₹3,97,781 | ₹37,781 | +6.58% |
| 5Y | ₹6,00,000 | ₹7,15,979 | ₹1,15,979 | +7.00% |
| 10Y | ₹12,00,000 | ₹16,86,204 | ₹4,86,204 | +6.62% |
A ₹10,000 instalment on the same date every month, valued at the latest NAV. XIRR is the yearly return on those dated instalments. Try the SIP calculator.
Compare with all Medium & Long Duration Funds (25)
Sorted by 3-year return; tap a heading to sort. Sorting by past returns is a way to explore data, not a ranking of which fund to choose. 3Y and 5Y are yearly (CAGR).
Scheme details
- Investment objective
- To provide investors an opportunity to generate attractive returns with moderate degree of liquidity through investments in debt and money market instruments such that the Macaulay duration of the portfolio is between 3 years – 4 years. However, there is no guarantee or assurance that the investment objective of the scheme will be achieved. The scheme doesn’t assure or guarantee any returns.
- Fund managers
- Lokesh Mallya, Mohit Jain
- Fund house
- SBI Mutual Fund
- Category
- Medium & Long Duration Funds · Debt
- Plan / option
- Direct · IDCW (income distribution)
- AMFI scheme code
- 119825
- ISIN
- INF200K01UZ1, INF200K01VA2
- Scheme documents
- SID, KIM and factsheets (fund house website) · exit load and full portfolio are in these documents.
About Medium & Long Duration Funds
Medium & Long Duration Funds hold debt with a longer duration (3 years and more), so their value is more sensitive to interest-rate changes.
Generally used by investors with a 3+ year horizon who understand interest-rate risk.
Other plans of this scheme
Questions about this scheme
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What is the difference between Direct and Regular plans?
What are Medium & Long Duration Funds?
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