{"id":241036,"date":"2026-09-10T13:15:20","date_gmt":"2026-09-10T07:45:20","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/sbi-medium-to-long-term-fund-direct-growth-review-2026\/"},"modified":"2026-09-10T13:15:20","modified_gmt":"2026-09-10T07:45:20","slug":"sbi-medium-to-long-term-fund-direct-growth-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/sbi-medium-to-long-term-fund-direct-growth-review-2026\/","title":{"rendered":"SBI Medium to 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-medium-to-long-term-fund-g-direct-plan\">SBI Medium to Long Term Fund Direct Growth Plan<\/a> has a NAV of \u20b980.4634 as of 09 Sep 2026 and a scheme AUM of \u20b92,046 Cr. Its 1-year, 3-year and 5-year returns are 5.23%, 7.03% and 6.26%, and the fund sits in the Medium Risk category.<\/p>\n<p>Our view is that this is a steadier debt option rather than a high-pace return seeker. The mix of government securities, cash and corporate debt gives it a more measured profile, so it may suit investors who want moderate risk and can stay invested long enough to absorb short-term unevenness.<\/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-medium-to-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-medium-to-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-medium-to-long-term-fund-direct-growth-review-2026\/#Should_you_BUY_or_HOLD_SBI_Medium_to_Long_Term\" title=\"Should you BUY or HOLD SBI Medium to Long Term?\">Should you BUY or HOLD SBI Medium to 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-medium-to-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-medium-to-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-medium-to-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-medium-to-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-medium-to-long-term-fund-direct-growth-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/sbi-medium-to-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-10\" href=\"https:\/\/univest.in\/blogs-2\/sbi-medium-to-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-11\" href=\"https:\/\/univest.in\/blogs-2\/sbi-medium-to-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>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b980.4634 as of 09 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b92,046 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.77%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>01 Jan 2013<\/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>Nil for 10% of investment and 1% for remaining Investment on or before 1Y, Nil after 1Y<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Mohit Jain<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Mohit Jain.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 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>-0.14%<\/td>\n<td>-4.69%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>1.78%<\/td>\n<td>0.93%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>5.23%<\/td>\n<td>-7.16%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>7.03%<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>6.26%<\/td>\n<td>5.87%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The recent picture is constructive. Over 1 month, the fund was slightly negative, but the benchmark was weaker still, which tells us the scheme preserved relative stability during a soft spell. Over 3 months, both moved up, and the fund stayed ahead of the benchmark.<\/p>\n<p>The 1-year number is more telling because the fund posted a positive return while the benchmark was negative. That gap suggests the portfolio has held up better than the index over the recent cycle, even though the fund is not a fast-growing short-term compounder.<\/p>\n<p>Looking further out, the 3-year and 5-year returns are close to the benchmark but a little better. That is an important pattern: the fund has not shown explosive compounding, yet it has maintained a steadier edge over longer periods. The time pattern also points to a relatively contained drawdown profile, with shorter periods of wobble rather than deep, persistent slippage.<\/p>\n<p>For an investor, the message is simple. The fund has been more resilient than the benchmark in the latest year and slightly better over longer horizons, but the gains have remained moderate. That makes it more useful as a measured debt allocation than as a return-maximising satellite.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 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_Medium_to_Long_Term\"><\/span>Should you BUY or HOLD SBI Medium to 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 Medium to 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\/franklin-india-medium-to-long-term-fund-g-direct-plan\">Franklin India Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.58%<\/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-medium-to-long-term-fund-g-direct-plan\">ICICI Pru Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.36%<\/td>\n<td>7.34%<\/td>\n<td>6.4%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/lic-mf-medium-to-long-term-fund-g-direct-plan\">LIC MF Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.32%<\/td>\n<td>7.42%<\/td>\n<td>6.31%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/sbi-medium-to-long-term-fund-g-direct-plan\">SBI Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.23%<\/td>\n<td>7.03%<\/td>\n<td>6.26%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/kotak-medium-to-long-term-fund-g-direct-plan\">Kotak Medium to Long Term Fund Direct Growth Plan<\/a><\/td>\n<td>5.22%<\/td>\n<td>7.27%<\/td>\n<td>6.22%<\/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. On the latest 1-year figure, the fund trails Franklin India Medium to Long Term Fund Direct Growth Plan, ICICI Pru Medium to Long Term Fund Direct Growth Plan and LIC MF Medium to Long Term Fund Direct Growth Plan, but the gap is small. That keeps the recent comparison fairly tight rather than sharply one-sided.<\/p>\n<p>Over 3 years, the fund is below ICICI Pru Medium to Long Term Fund Direct Growth Plan, LIC MF Medium to Long Term Fund Direct Growth Plan and Kotak Medium to Long Term Fund Direct Growth Plan, while its 5-year return is slightly behind ICICI Pru Medium to Long Term Fund Direct Growth Plan and LIC MF Medium to Long Term Fund Direct Growth Plan. The short-term and longer-term comparisons point in the same direction: the fund is competitive, but it has not clearly pulled ahead of the stronger peer figures available here.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 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<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>7.24% CGL 2055<\/td>\n<td>Government Securities<\/td>\n<td>11.76%<\/td>\n<\/tr>\n<tr>\n<td>6.68% CGL 2040<\/td>\n<td>Government Securities<\/td>\n<td>9.44%<\/td>\n<\/tr>\n<tr>\n<td>6.94% CGL 2036<\/td>\n<td>Government Securities<\/td>\n<td>8.55%<\/td>\n<\/tr>\n<tr>\n<td>TREPS<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>5.97%<\/td>\n<\/tr>\n<tr>\n<td>Torrent Power Ltd.<\/td>\n<td>Corporate Debt<\/td>\n<td>4.95%<\/td>\n<\/tr>\n<tr>\n<td>Muthoot Finance Ltd.<\/td>\n<td>Corporate Debt<\/td>\n<td>4.86%<\/td>\n<\/tr>\n<tr>\n<td>Godrej Seeds &amp; Genetics Ltd.<\/td>\n<td>Corporate Debt<\/td>\n<td>4.83%<\/td>\n<\/tr>\n<tr>\n<td>6.90% State Government of Bihar 2035<\/td>\n<td>Government Securities<\/td>\n<td>4.66%<\/td>\n<\/tr>\n<tr>\n<td>JSW Kalinga Steel Ltd.<\/td>\n<td>Corporate Debt<\/td>\n<td>3.79%<\/td>\n<\/tr>\n<tr>\n<td>Adani Power Ltd.<\/td>\n<td>Corporate Debt<\/td>\n<td>3.4%<\/td>\n<\/tr>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding, 7.24% CGL 2055, carries a weight of 11.76%, which is large enough to matter but not so large that it dominates the whole portfolio. The move from the first holding to the tenth is gradual rather than abrupt, which suggests the scheme is spread across several meaningful positions instead of depending on one or two outsized bets.<\/p>\n<p>The top ten holdings together account for approximately 62.21% of the portfolio, and the scheme discloses 25 holdings in total. That combination points to moderate concentration: the visible core is important, but there is still a longer tail that may soften the impact of any single position.<\/p>\n<p>Government securities take a visible share of the top holdings, with corporate debt and cash also present. In our view, that mix can support steadier behaviour than a purely credit-heavy book, while still leaving room for yield-linked movement from the corporate side.<\/p>\n<p>To see all holdings, visit the <a href=\"https:\/\/univest.in\/mutual-funds\/sbi-medium-to-long-term-fund-g-direct-plan\">SBI Medium to Long Term Fund Direct Growth Plan<\/a> page<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 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 may suit investors who are comfortable with medium risk and want a debt-oriented allocation that can ride out short-term bumps. The 1-year, 3-year and 5-year return pattern suggests steadier compounding rather than dramatic swings, and the benchmark comparison shows it has generally held up better than the index in the recent period.<\/p>\n<p>The main trade-off is that the fund offers a relatively measured return profile instead of aggressive upside. Investors with a medium-to-long horizon may find that acceptable if their priority is smoother progression and exposure to government securities and corporate debt rather than chasing sharp market-linked gains.<\/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>Exit load: Nil for 10% of investment and 1% for the remaining investment on or before 1 year; nil after 1 year.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 09 Sep 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<p><strong>What is the current NAV of SBI Medium to Long Term Fund Direct Growth Plan?<\/strong><br \/>Its NAV is \u20b980.4634 as of 09 Sep 2026.<\/p>\n<p><strong>What are the 1-year, 3-year and 5-year returns?<\/strong><br \/>The fund\u2019s 1-year, 3-year and 5-year returns are 5.23%, 7.03% and 6.26%.<\/p>\n<p><strong>How has it performed versus the benchmark?<\/strong><br \/>It has done better than the benchmark across the listed 1-month, 3-month, 1-year, 3-year and 5-year periods. The sharpest gap is at 1 year, where the fund is positive and the benchmark is negative.<\/p>\n<p><strong>How does it compare with peer funds on available return data?<\/strong><br \/>Its recent 1-year return is close to the peer set, but a few peers are ahead on the same measure. On 3-year and 5-year figures, it stays competitive without clearly exceeding the strongest available peer numbers.<\/p>\n<p><strong>Is there a minimum SIP amount?<\/strong><br \/>Yes, the minimum SIP amount is \u20b9500.<\/p>\n<p><strong>Who manages the fund and what is the exit load?<\/strong><br \/>The fund is managed by Mohit Jain. The exit load is nil for 10% of investment and 1% for the remaining investment on or before 1 year, and nil after 1 year.<\/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 Medium to Long Term Fund Direct Growth Plan has been steadier than the benchmark in recent periods and remains slightly ahead over longer horizons, but its gains are moderate rather than high-octane. Relative to the available peer figures, it stays competitive without clearly outpacing the stronger comparables. The portfolio leans on government securities, with a meaningful corporate debt slice and some cash support. That profile may appeal to investors seeking a medium-risk debt holding with a measured return path and a longer holding horizon.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 10 September 2026 at 1:14 PM 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 Medium to Long Term Fund Direct Growth Plan\",\"identifier\":\"sbi-medium-to-long-term-fund-g-direct-plan\",\"category\":\"Debt\",\"dateCreated\":\"01 Jan 2013\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":80.4634,\"valueReference\":\"as of 09 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"2046 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.77\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":5.23},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":7.03},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":6.26},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Mohit Jain\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of SBI Medium to Long Term Fund Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its NAV is \u20b980.4634 as of 09 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund\u2019s 1-year, 3-year and 5-year returns are 5.23%, 7.03% and 6.26%.\"}},{\"@type\":\"Question\",\"name\":\"How has it performed versus the benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It has done better than the benchmark across the listed 1-month, 3-month, 1-year, 3-year and 5-year periods. The sharpest gap is at 1 year, where the fund is positive and the benchmark is negative.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with peer funds on available return data?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its recent 1-year return is close to the peer set, but a few peers are ahead on the same measure. On 3-year and 5-year figures, it stays competitive without clearly exceeding the strongest available peer numbers.\"}},{\"@type\":\"Question\",\"name\":\"Is there a minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, the minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"Who manages the fund and what is the exit load?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The fund is managed by Mohit Jain. The exit load is nil for 10% of investment and 1% for the remaining investment on or before 1 year, and nil after 1 year.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>SBI Medium to Long Term Fund Direct Growth Plan has a \u20b980.4634 NAV as of 09 Sep 2026, \u20b92,046 Cr AUM and 1Y\/3Y\/5Y returns of 5.23%\/7.03%\/6.26%.<\/p>\n","protected":false},"author":38,"featured_media":241035,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-241036","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["241035"],"rank_math_title":["SBI Medium to Long Term Fund Review 2026"],"rank_math_description":["SBI Medium to Long Term Fund Direct Growth Plan NAV is \u20b980.4634 as of 09 Sep 2026; 1Y return 5.23% and 5Y return 6.26%."],"rank_math_focus_keyword":["SBI Medium to Long Term Fund Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/SBI_Medium_to_Long_Term_Fund_Direct_Growth_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241036","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=241036"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/241036\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/241035"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=241036"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=241036"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=241036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}