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Two Long duration funds side by side: returns, costs, size, risk and how much their portfolios overlap.
SBI Long Term Fund vs UTI Long Term Fund, as of 9 Nov 2026: SBI Long Term Fund NAV ₹12.81, 3Y CAGR 6.3%, expense ratio 0.32%; UTI Long Term Fund NAV ₹12.34, 3Y CAGR 5.6%, expense ratio 0.09%; about 0% of their portfolios overlap.
As of · Source: AMFI NAVs and fund-house disclosures
| SBI Long Term Fund Direct Growth | UTI Long Term Fund Direct Growth | |
|---|---|---|
| Category | Long duration | Long duration |
| Fund house | SBI Mutual Fund | UTI Mutual Fund |
| Plan | Direct Plan · Growth | Direct Plan · Growth |
| NAV | ₹12.81 (9 Nov 2026) | ₹12.34 (9 Nov 2026) |
| 1Y return | 2.7% | 2.3% |
| 3Y CAGR | 6.3% | 5.6% |
| Since launch (CAGR) | 6.6% | 5.9% |
| Expense ratio | 0.32% | 0.09% |
| AUM | ₹1,239 cr | ₹54.2 cr |
| Risk-o-meter | Moderate | Moderate |
| Benchmark | CRISIL Long Duration Debt A-III Index | NIFTY Long Duration Debt Index A-III |
| Exit load | — | Entry Load - Nil, Exit Load - Nil |
| Minimum SIP | ₹500 | ₹500 |
| Holdings | 5 | 5 |
| Top 10 holdings weight | 90.2% | 95.7% |
| Portfolio overlap | About 0% by weight, from the latest disclosed holdings | |
Returns are point-to-point for each plan, after its expense ratio; periods over one year are CAGR. Past performance is not indicative of future results.
Open in the compare tool: growth charts, SIP outcomes and shared holdings →SBI Long Term Fund has the higher 3-year CAGR (as of 9 Nov 2026): SBI Long Term Fund 6.3% a year vs UTI Long Term Fund 5.6% a year. Past performance is not indicative of future results.
UTI Long Term Fund costs less: SBI Long Term Fund charges 0.32% a year and UTI Long Term Fund 0.09% a year.
SBI Long Term Fund is larger: SBI Long Term Fund manages ₹1,239 cr and UTI Long Term Fund ₹54.2 cr (as of 9 Nov 2026).
About 0% of their portfolios overlap by weight (the smaller weight of each common holding, summed), from the latest disclosed holdings.
Both are rated "Moderate" on SEBI's risk-o-meter.
We don't give recommendations. Jivani Markets is not a SEBI-registered investment adviser or research analyst. Whether a fund suits you depends on your goals, horizon and risk appetite; speak to a SEBI-registered investment adviser or an AMFI-registered mutual fund distributor before investing.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future results.
Returns are for Direct plans, after expenses (TER is already in the NAV). Research, not advice: we do not say a fund suits you. Disclaimer