SBI MEDIUM TERM FUND

SBI Mutual Fund · 119824 · Quant Rank #208

Structural GatesPreliminary Assessment

PRELIMINARY_ASSESSMENT

Research Confidence reflects source quality and evidence depth — it is independent of the score below. A fund can score highly with low confidence, or moderately with high confidence.

Real Evidence

CategoryDEB

AUM₹6,499 Cr

BenchmarkNIFTY Medium Duration Debt Index A-III

RiskometerModerately High

TERInsufficient data

InceptionInsufficient data

Track RecordInsufficient data

Fund ManagerInsufficient data

AUM Floor₹1000 Cr

Min Track3 yrs

Max Alloc30%

Returns vs Benchmark

Window	Fund	Benchmark
1 Year	7.17%	4.28%
3 Year	7.93%	6.92%
5 Year	6.89%	5.62%
Since Launch	8.82%	7.50%

Calculated Parameters

FMTInsufficient data — no real 'managing since' date collected for this scheme's current manager

AMQ7/10

AUTInsufficient data — no real 3-months-ago AUM evidence (AMFI's live feed only carries current + ~1-month-ago; needs a genuine dated snapshot from an earlier sync)

ERSInsufficient data — no TER evidence collected for this scheme

Structural Gates

Gate 1 — EligibilityUNKNOWN

AUM floor: PASS · Track record: UNKNOWN · SEBI: UNKNOWN

Gate 2 — Quant ScreenFAIL

Gate 3 — Top 10FAIL

Gate 4 — Top 5FAIL

Gate 5 — Top 2 ICFAIL

Candidate's 50.5 would rank #3 among 2 real existing category scores (top 2 = recommendable).

Analyst Name

MOM — Momentum

7% weight

Preliminary

3–6M price+flow vs benchmark · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:08:08 PM

CON — Consistency

10% weight

Preliminary

3Y/5Y quartile rank stability · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:08:10 PM

PQT — Portfolio Quality

11% weight

Preliminary

PE, concentration, churn · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:08:12 PM

FMQ — Fund Mgr Quality

12% weight

Preliminary

Philosophy, communication, style drift · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:08:14 PM

VAL — Valuation Risk

10% weight

Preliminary

Portfolio PE/PB vs category avg · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:08:15 PM

STW — Sector Tailwinds

9% weight

Preliminary

Policy/macro drivers 12-18M · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:08:17 PM

DSP — Downside Protection

8% weight

Preliminary

Max DD, Sortino, bear markets · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:08:19 PM

OPP — Outperformance Prob.

8% weight

Preliminary

Analyst 12M alpha probability · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:08:21 PM

THS — Thesis Strength

2% weight

Preliminary

Analyst 12-24M thesis conviction · 0 = N/A · 1 = Worst · 5 = Average · 10 = Best

Last scored by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) on 8/26/2026, 3:08:23 PM

V6 Final Score

50.5

/ 100 — Final Score

AVOID

MOM

4.9

CON

7.0

PQT

6.6

FMQ

6.0

VAL

5.0

STW

5.4

DSP

5.6

OPP

4.8

FMT

—

AMQ

4.2

AUT

—

ERS

—

THS

1.0

Data-limited: FMT, AUT, ERS (insufficient data — never defaulted to 0)

Source Evidence (14)

BenchmarkNIFTY Medium Duration Debt Index A-III

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

Riskometer (Scheme)Moderately High

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

NAV - Direct Plan59.6103

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

NAV Date21-Aug-2026

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

Daily AUM (Cr.)6499.0483

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

1 Year Return - Direct Plan (%)7.1721

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

1 Year Return - Benchmark (%)4.2769

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

3 Year Return - Direct Plan (%)7.9311

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

3 Year Return - Benchmark (%)6.9192

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

5 Year Return - Direct Plan (%)6.8896

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

5 Year Return - Benchmark (%)5.6175

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

Since Launch Return - Direct Plan (%)8.8173

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

Since Launch Return - Benchmark (%)7.5004

AMFI (Official, Centralized) — FUND_DETAIL_PAGE as of 2026-08-21

AMC Total AUM (Lakh Cr.)12.57

AMFI quarterly AAUM disclosure (Apr–Jun 2026), via RightAdvise aggregation of official AMFI figures as of 2026-06-30

Audit Log

THS ∅ → 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:08:23 PM

OPP ∅ → 6 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:08:21 PM

“[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Real return-vs-benchmark evidence: 1Y +2.90pp vs benchmark, 3Y +1.01pp vs benchmark, 5Y +1.27pp vs benchmark, SinceLaunch +1.32pp vs benchmark (avg 1.62pp).”

DSP ∅ → 7 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:08:20 PM

“[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real Max Drawdown or Sortino data exists in any source checked this session; ordinary volatility/beta are never substituted. Debt category carries structurally low real drawdown risk by mandate design.”

STW ∅ → 6 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:08:18 PM

“[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Category-level thesis: Debt (overnight/liquid): capital-preservation mandate, return is a direct function of prevailing short-term rates, not manager skill. No fund-specific sector-overweight evidence collected (no GICS sector allocation data exists for this scheme), so scored at the category's own general positioning.”

VAL ∅ → 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:08:16 PM

“[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No real TER data collected; scored at category-neutral baseline (no portfolio PE/PB data exists in any source checked this session).”

FMQ ∅ → 5 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:08:14 PM

PQT ∅ → 6 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:08:13 PM

CON ∅ → 7 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:08:11 PM

“[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] No Value Research rating collected; consistency estimated from real return-vs-benchmark trend (1Y +2.90pp vs benchmark, 3Y +1.01pp vs benchmark, 5Y +1.27pp vs benchmark, SinceLaunch +1.32pp vs benchmark, avg 1.62pp).”

MOM ∅ → 7 by Claude (V7 Workspace — holistic analyst estimate, pending Research Head review) · 8/26/2026, 3:08:09 PM

“[HOLISTIC ANALYST ESTIMATE — anchored in real facts (cited below), not independently sourced per-parameter; reproduces the original 56's own methodology per explicit authorization] Most recent available window (1Y: +2.90pp vs benchmark) used as the closest real proxy for near-term momentum (V6's exact 3-6M window has no data source for most equity funds in this pipeline).”