SBI Gilt Fund Long Term PF · Regular · Growth
NAV
₹68.2827
as of 31 Jul 2026
Expense Ratio
0.96%
AUM
₹8,924 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.20%
- 3Y
- +6.33%
- 5Y
- +5.99%
- Since Inception
- +7.79%
SIP returns (XIRR)
- 1Y
- +4.76%
- 3Y
- +5.43%
- 5Y
- +6.06%
- Since Inception
- +7.40%
Returns calculated from 23 December 2000 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Aug 2016 – Jul 2026)
A ₹5,000 monthly SIP for the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,32,629 today — ₹5,95,000 invested, 6.6% XIRR.
₹5,95,000
Invested
₹8,32,629
Value today
6.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Aug 2016 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹2,00,394 today (7.2% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2016 would still hold ₹11,71,312.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Aug 2016 – Jul 2026) (22 Mar 2020) would be ₹1,48,039 today (1.48×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.60
Sharpe Ratio
—
Alpha
—
Beta
-0.58
Sortino
2.92%
Std Dev
-3.35%
Max Drawdown
Performance Comparison
Thinking about SBI Gilt Fund Long Term PF · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
Fund Details
Available transactions
Portfolio holdings
- 17.43% Cgl 207627.60%
- 27.24% Cgl 205511.85%
- 37.55% State Government Of Maharashtra 20348.51%
- 47.28% State Government Of Andhra Pradesh 20326.44%
- 5Treps5.66%
- 6182 Day T-Bill 10.09.264.68%
- 77.79% State Government Of West Bengal 20454.09%
- 86.36% Cgl 20313.89%
- 97.71% Cgl 20663.38%
- 1091 Day T-Bill 10.09.262.93%
Investment Objective
SBI Gilt Fund Long Term PF · Regular · Growth invests exclusively in government securities across various maturities. Gilt funds carry zero credit risk as they invest in sovereign-backed instruments, though they are subject to interest rate risk.
About This Fund
SBI Gilt Fund Long Term PF · Regular · Growth is a Gilt Fund mutual fund offered by SBI Mutual Fund. The fund has been operational for over 25 years. It manages assets worth ₹8,924 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY ALL DURATION G-SEC INDEX. The current expense ratio is 0.96%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •SIP investors who can benefit from rupee cost averaging during market fluctuations