{"id":222041,"date":"2026-08-28T11:18:08","date_gmt":"2026-08-28T05:48:08","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=222041"},"modified":"2026-08-28T11:18:10","modified_gmt":"2026-08-28T05:48:10","slug":"sbi-long-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/","title":{"rendered":"SBI Long Term Fund Direct Growth Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-long-term-fund-g-direct-plan\">SBI Long Term Fund Direct Growth Plan<\/a> has a NAV of \u20b912.8057 as of 27 Aug 2026 and scheme AUM of \u20b91,424 Cr. Its 1-year, 3-year and 5-year returns are 4.7941%, 6.4917% and 0% respectively, and the scheme sits in the Medium Risk bucket.<\/p>\n<p>Our view is that this is a debt scheme with a steady but not standout return profile, backed by a portfolio that is overwhelmingly in government securities and cash. The mix makes it more suitable for conservative investors who want relatively contained portfolio risk, while accepting that recent returns have been modest and have stayed close to, but not ahead of, the benchmark over longer periods.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_SBI_Long_Term\" title=\"Should you BUY or HOLD SBI Long Term?\">Should you BUY or HOLD SBI Long Term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#What_is_the_current_NAV_of_SBI_Long_Term_Fund_Direct_Growth_Plan\" title=\"What is the current NAV of SBI Long Term Fund Direct Growth Plan?\">What is the current NAV of SBI Long Term Fund Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#How_does_the_fund_compare_with_its_benchmark\" title=\"How does the fund compare with its benchmark?\">How does the fund compare with its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#What_is_the_risk_category_and_what_does_the_portfolio_look_like\" title=\"What is the risk category and what does the portfolio look like?\">What is the risk category and what does the portfolio look like?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Who_manages_the_fund_and_is_there_an_exit_load\" title=\"Who manages the fund and is there an exit load?\">Who manages the fund and is there an exit load?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/sbi-long-term-fund-direct-growth-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Metric<\/th>\n<th>Value<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b912.8057 as of 27 Aug 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b91,424 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.3%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>21 December 2022<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Debt<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Ardhendu Bhattacharya<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Ardhendu Bhattacharya.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.07%<\/td>\n<td>0.44%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>2.69%<\/td>\n<td>2.31%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>4.79%<\/td>\n<td>-2.53%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>6.49%<\/td>\n<td>6.72%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The short-term picture is mixed. Over one month, the fund was slightly weaker than the benchmark, while over three months it moved ahead by a small margin. That tells us the recent path has been steady rather than dramatic, with some modest month-to-month drift but no sharp swing in either direction.<\/p>\n<p>The one-year figure is more useful for judging the current run. At 4.79%, the fund has posted a positive return while the benchmark return in the same window is negative at -2.53%. That gap reflects a noticeably better recent outcome for the fund, even though the absolute return remains moderate.<\/p>\n<p>The longer view is more restrained. The 3-year return of 6.49% sits a little below the benchmark\u2019s 6.72%, so the fund has not clearly outpaced the reference index over that horizon. In our view, that combination of a decent 1-year showing and a slightly softer 3-year outcome points to a fund that has been resilient recently, but not consistently ahead across the full cycle.<\/p>\n<p>The time pattern also supports that reading. The fund has spent long stretches moving in a narrow band, which is typical of a debt-oriented strategy with limited swings. For investors, that means the return story is less about sharp upside and more about controlled movement and gradual compounding.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_SBI_Long_Term\"><\/span>Should you BUY or HOLD SBI Long Term?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding SBI Long Term? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-long-term-fund-g-direct-plan\">SBI Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>4.7941%<\/td>\n<td>6.4917%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/franklin-india-long-term-fund-g-direct-plan\">Franklin India Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>7.3209%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/bandhan-long-term-fund-g-direct-plan\">Bandhan Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>6.221%<\/td>\n<td>Data not available<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-long-term-fund-g-direct-plan\">ICICI Pru Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.1406%<\/td>\n<td>6.9866%<\/td>\n<td>5.893%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-long-term-fund-g-direct-plan\">Aditya Birla SL Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.0773%<\/td>\n<td>6.9187%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/hdfc-long-term-fund-g-direct-plan\">HDFC Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>4.9553%<\/td>\n<td>6.3671%<\/td>\n<td>Data not available<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>On the most recent one-year numbers, the fund trails Franklin India Long Term Fund Direct Growth Plan and Bandhan Long Term Fund Direct Growth Plan, and it also sits below ICICI Pru Long Term Fund Direct Growth Plan and Aditya Birla SL Long Term Fund Direct Growth Plan. That shows the latest pace has been respectable, but not the strongest among the available peer return figures.<\/p>\n<p>The longer view is closer. The fund\u2019s 3-year return is below ICICI Pru Long Term Fund Direct Growth Plan and Aditya Birla SL Long Term Fund Direct Growth Plan, but still ahead of HDFC Long Term Fund Direct Growth Plan. Since some peers do not have 3-year or 5-year figures available, the comparison is more informative on the available periods than on a full-cycle basis. Overall, the peer set suggests that this fund\u2019s recent improvement has not yet translated into a clear edge over the broader group.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The market-cap mix is fully classified under other exposure at 100%, with no allocation shown to large-cap, mid-cap or small-cap buckets. That means the more useful way to read the portfolio is through its underlying instrument mix rather than a stock-style market-cap split.<\/p>\n<table>\n<thead>\n<tr>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<th>Top holdings<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Government Securities<\/td>\n<td>89.81%<\/td>\n<td>6.90% CGL 2065 (47.61%), 6.48% CGL 2035 (8.19%)<\/td>\n<\/tr>\n<tr>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>9.73%<\/td>\n<td>TREPS (9.98%)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The portfolio is dominated by government securities, and that is likely to have the greatest influence on how the scheme behaves. A weight of 89.81% in this bucket leaves little room for other exposures to shape returns in a meaningful way, while cash and cash equivalents add a smaller liquidity buffer.<\/p>\n<p>The largest allocation is materially bigger than the rest, so the portfolio is not diversified across many separate sectors. That concentration may support stability, but it also means the fund\u2019s movement will largely reflect the behaviour of sovereign debt holdings rather than a broad spread of credit or equity-like exposures.<\/p>\n<p>In practical terms, this is a portfolio built around rate-sensitive fixed-income exposure with a modest cash cushion. For investors, that usually means fewer moving parts and a more straightforward return driver, but also less scope for aggressive upside from diversification.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund is better suited to investors who are comfortable with moderate risk and prefer a debt-oriented exposure rather than a growth-heavy one. Its Medium Risk label, steady but modest 1-year and 3-year returns, and government-securities-heavy portfolio point to a scheme that may appeal to conservative allocators who still want some return potential above plain cash-like parking.<\/p>\n<p>The most natural horizon is medium to longer term, because the 3-year return is more informative than the short 1-month or 3-month moves. The main trade-off is straightforward: the portfolio is relatively contained and anchored in sovereign exposure, but the return path has not shown a strong, persistent lead over the benchmark.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 27 Aug 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_SBI_Long_Term_Fund_Direct_Growth_Plan\"><\/span>What is the current NAV of SBI Long Term Fund Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The NAV is \u20b912.8057 as of 27 Aug 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b9500.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1-year return is 4.79%, the 3-year return is 6.49%, and the 5-year return is Data not available.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_its_benchmark\"><\/span>How does the fund compare with its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Over 1 year, the fund has done better than the benchmark, while over 3 years it is slightly behind the benchmark. The 1-month figure is also a little softer than the benchmark, but the 3-month figure is a bit stronger.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_risk_category_and_what_does_the_portfolio_look_like\"><\/span>What is the risk category and what does the portfolio look like?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The scheme is in the Medium Risk category. Its portfolio is dominated by government securities, with a smaller allocation to cash and cash equivalents.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_manages_the_fund_and_is_there_an_exit_load\"><\/span>Who manages the fund and is there an exit load?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The fund is managed by Ardhendu Bhattacharya. There is no exit load.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SBI Long Term Fund Direct Growth Plan looks like a conservative debt scheme whose recent performance has been better than its longer-term benchmark comparison, but not decisively ahead across the full 3-year window. The peer set tells a similar story: the fund\u2019s latest one-year pace is respectable, yet several peers have stronger available 1-year or 3-year numbers. Its risk profile is moderate, and the portfolio is heavily anchored in government securities, which may keep the behaviour relatively contained. That makes it more suited to investors who value steadier debt exposure over aggressive return chasing.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 28 August 2026 at 10:44 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"SBI Long Term Fund Direct Growth Plan\",\"identifier\":\"sbi-long-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"21 Dec 2022\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":12.8057,\"valueReference\":\"as of 27 Aug 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"1424 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.3\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":4.7941},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":6.4917},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":0},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Ardhendu Bhattacharya\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of SBI Long Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The NAV is \u20b912.8057 as of 27 Aug 2026.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 4.79%, the 3-year return is 6.49%, and the 5-year return is Data not available.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Over 1 year, the fund has done better than the benchmark, while over 3 years it is slightly behind the benchmark. The 1-month figure is also a little softer than the benchmark, but the 3-month figure is a bit stronger.\"}},{\"@type\":\"Question\",\"name\":\"What is the risk category and what does the portfolio look like?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The scheme is in the Medium Risk category. Its portfolio is dominated by government securities, with a smaller allocation to cash and cash equivalents.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and is there an exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Ardhendu Bhattacharya. There is no exit load.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Person\",\"name\":\"{{ANALYST_NAME}}\",\"affiliation\":{\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\"},\"description\":\"Uniapps Investment Adviser Pvt. Ltd. \u2014 SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>SBI Long Term Fund Direct Growth Plan has a NAV of \u20b912.8057 as of 27 Aug 2026, AUM of \u20b91,424 Cr and a Medium Risk profile. Its 1-year return is 4.79% and 3-year return is 6.49%.<\/p>\n","protected":false},"author":29,"featured_media":222040,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-222041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["222040"],"rank_math_title":["SBI Long Term Fund Direct Growth Review 2026"],"rank_math_description":["SBI Long Term Fund Direct Growth Plan review: NAV \u20b912.8057, 1Y return 4.79%, 3Y return 6.49%, Medium Risk profile."],"rank_math_focus_keyword":["SBI Long Term Fund Direct Growth Plan 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