SBI Gilt Fund Long Term PF · Regular · Growth
NAV
₹68.2603
as of 30 Sept 2026
Expense Ratio
0.96%
AUM
₹8,924 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.45%
- 3Y
- +6.08%
- 5Y
- +5.70%
- Since Inception
- +7.74%
SIP returns (XIRR)
- 1Y
- +3.83%
- 3Y
- +4.75%
- 5Y
- +5.68%
- Since Inception
- +7.32%
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 (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,33,084 today — ₹6,00,000 invested, 6.4% XIRR.
₹6,00,000
Invested
₹8,33,084
Value today
6.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,94,987 today (6.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹11,16,789.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,48,100 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-1.38
Sharpe Ratio
—
Alpha
—
Beta
-1.31
Sortino
2.82%
Std Dev
-3.35%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 17.71% Cgl 206623.16%
- 291 Day T-Bill 05.11.2612.06%
- 391 Day T-Bill 12.11.2611.81%
- 47.55% State Government Of Maharashtra 20348.62%
- 57.28% State Government Of Andhra Pradesh 20326.56%
- 691 Day T-Bill 19.11.266.02%
- 77.79% State Government Of West Bengal 20454.16%
- 87.43% Cgl 20763.79%
- 97.66% State Government Of Kerala 20392.00%
- 107.86% State Government Of Bihar 20391.85%
What this fund does
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%.