Should I invest in SBI Magnum Insta Cash Fund - Liquid Floater Plan?

We don't give personal investment advice. SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.0%. 5-year CAGR: 5.49%.

SBI

SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend

Unit split applied to historical metrics

This scheme had a 100× unit consolidation on 13 Jan 2012. Returns, SIP simulations and risk metrics on this page are split-adjusted — they reflect what a real investor's portfolio experienced (a consolidation doesn't change portfolio value, only the unit count and per-unit NAV).

Latest NAV

₹1,395.6852

As of

12 Jun 2026

7,018 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.01%	+0.01%	+0.01	30 / 63	Q2
1W	+0.10%	+0.05%	+0.05	15 / 63	Q1
2W	+0.20%	+0.11%	+0.09	18 / 63	Q2
1M	+0.42%	+0.21%	+0.21	18 / 59	Q2
3M	+1.27%	+0.64%	+0.63	22 / 59	Q2
6M	+2.52%	+0.97%	+1.55	22 / 59	Q2
YTD	+2.22%	+0.92%	+1.30	23 / 59	Q2
1Y	+5.25%	+2.53%	+2.71	22 / 54	Q2
2Y	+5.81%	+2.46%	+3.35	21 / 54	Q2
3Y	+6.09%	+2.75%	+3.34	21 / 51	Q2
4Y	+6.04%	+2.86%	+3.18	18 / 47	Q2
5Y	+5.49%	+1.95%	+3.55	3 / 14	Q1
7Y	+4.41%	+1.68%	+2.73	4 / 14	Q2
10Y	+3.07%	+3.81%	-0.75	5 / 6	Q4
Inception	+1.56%	+2.32%	-0.76	27 / 63	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+2.22%	+0.84%	+1.38	21 / 53
2025	+5.70%	+2.88%	+2.82	20 / 48
2024	+6.58%	+3.20%	+3.38	21 / 48
2023	+6.56%	+3.32%	+3.24	19 / 48
2022	+4.57%	+2.11%	+2.46	16 / 45
2021	+3.10%	+0.76%	+2.34	3 / 19
2020	+2.15%	+0.70%	+1.45	4 / 17
2019	-0.01%	+1.77%	-1.78	9 / 11
2018	+0.00%	+3.49%	-3.49	5 / 6
2017	+0.00%	+2.68%	-2.68	5 / 6
2016	-0.11%	+4.33%	-4.44	6 / 6

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+1.53%

234 windows

min -0.2% · max 6.7%

89% positive

3-Year rolling

+1.34%

210 windows

min -0.1% · max 6.3%

80% positive

5-Year rolling

+1.10%

186 windows

min 0.0% · max 5.5%

76% positive

7-Year rolling

+0.93%

161 windows

min 0.0% · max 4.4%

84% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

0.19%

3-year · annualised

Sharpe ratio

—

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.00%

Peak to trough

% positive months

100.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Overnight Fund

Scheme	Fund house	NAV	As of
HDFC Cash Management Fund - Call Plan-Daily Dividend Plan	HDFC	₹1,042.6600	12 Jun 2026
NIPPON INDIA OVERNIGHT FUND - DAILY IDCW Option	Nippon India	₹100.0050	12 Jun 2026
SBI Magnum Insta Cash Fund - Liquid Floater Plan - Growth	SBI	₹4,364.2971	12 Jun 2026
ICICI Prudential Overnight Fund - Daily IDCW	ICICI Prudential	₹1,000.0050	12 Jun 2026
quant Overnight Fund - Unclaimed IDCW Greater than 3 years	Quant	₹10.0000	12 Jun 2026
Franklin India Overnight Fund - Daily Dividend Plan - Daily - IDCW	Franklin India	₹1,000.0001	12 Jun 2026
Edelweiss Overnight Fund - Unclaimed IDCW Plan - Above 3 years	Edelweiss	₹1,000.0000	12 Jun 2026
HSBC Overnight Fund - Unclaimed IDCW Above three years	HSBC	₹1,000.0000	12 Jun 2026
Baroda BNP Paribas Overnight Fund - Plan C - Unclaimed IDCW - Greater than 3 years	Baroda BNP Paribas	₹1,000.0000	12 Jun 2026
UTI - G-Sec Fund-STP Growth	UTI	₹3,682.7060	12 Jun 2026

Recent NAVs

Date	NAV
12 Jun 2026	₹1,395.6852
11 Jun 2026	₹1,395.4925
10 Jun 2026	₹1,395.3019
9 Jun 2026	₹1,395.1092
8 Jun 2026	₹1,394.9147
7 Jun 2026	₹1,394.7200
6 Jun 2026	₹1,394.5237
5 Jun 2026	₹1,394.3273
4 Jun 2026	₹1,394.1307
3 Jun 2026	₹1,393.9407

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 12 Jun 2026, the NAV of SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend is ₹1,395.6852. It's a Overnight Fund from SBI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend has NAV history starting from 01 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend is managed by SBI. It's classified by AMFI under the 'Overnight Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend has delivered a absolute return of 5.25% — +2.71 pp ahead of the Overnight Fund category average of 2.53%. The fund ranks #22 of 54 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend has delivered a CAGR of 6.09% — +3.34 pp ahead of the Overnight Fund category average of 2.75%. The fund ranks #21 of 51 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend has delivered a CAGR of 5.49% — +3.55 pp ahead of the Overnight Fund category average of 1.95%. The fund ranks #3 of 14 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend exactly 10 years ago would be worth approximately ₹135,278 today — a multiplier of 1.35×, based on the 10-year CAGR of 3.07%. The category average over the same window would have grown ₹1 lakh to ₹145,388.

A ₹10,000 monthly SIP in SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend over the last 5 years — total invested ₹600,000 — would be worth ₹695,700 today. That's an XIRR (money-weighted annualised return) of 5.85%.

A ₹10,000 monthly SIP for 10 years in SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend = ₹1,200,000 invested. It would currently be worth ₹1,504,268 (multiplier 1.25×). XIRR: 4.42%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend ranks #3 out of 14 funds in the Overnight Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.95%; this fund delivered 5.49%.

The worst peak-to-trough decline SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend has experienced over the last 5-year window is 0.00%. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend averaged 1.10% (best 5.49%, worst -0.02%). 76% of rolling windows ended positive.

In calendar year 2025, SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend returned 5.70% — beating the Overnight Fund category average of 2.88% by 2.82 pp. It ranked #20 of 48 in its category that year.

SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. SBI Magnum Insta Cash Fund - Liquid Floater Plan - Dividend is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 0.0%. 5-year CAGR: 5.49%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.