Should I invest in SBI Magnum Monthly Income Plan-Floater?

We don't give personal investment advice. SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.7%. 5-year CAGR: 12.69%.

SBI

SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly)

Latest NAV

₹29.4269

As of

12 Jun 2026

4,897 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	-0.44%	-0.44%	0.00	8 / 10	Q4
1W	-1.65%	-1.68%	+0.03	7 / 10	Q3
2W	-2.56%	-2.73%	+0.17	5 / 10	Q2
1M	-1.46%	-0.90%	-0.56	8 / 10	Q4
3M	-0.78%	-0.39%	-0.39	6 / 10	Q3
6M	+0.88%	+0.22%	+0.66	3 / 10	Q2
YTD	-0.68%	-1.53%	+0.85	6 / 10	Q3
1Y	+9.88%	+8.14%	+1.74	4 / 10	Q2
2Y	+10.03%	+8.78%	+1.25	6 / 9	Q3
3Y	+15.95%	+15.76%	+0.19	6 / 9	Q3
4Y	+16.09%	+15.67%	+0.42	6 / 9	Q3
5Y	+12.69%	+12.82%	-0.13	6 / 9	Q3
7Y	+12.70%	+14.65%	-1.95	6 / 8	Q3
10Y	+8.86%	+11.16%	-2.30	7 / 8	Q4
Inception	+5.37%	+8.58%	-3.21	8 / 10	Q4

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	-0.68%	-1.53%	+0.85	6 / 10
2025	+18.40%	+15.81%	+2.59	3 / 9
2024	+12.35%	+15.20%	-2.85	7 / 9
2023	+24.28%	+21.04%	+3.24	1 / 9
2022	+5.98%	+5.98%	0.00	3 / 9
2021	+12.68%	+22.72%	-10.05	6 / 9
2020	+14.04%	+18.85%	-4.81	6 / 8
2019	+3.97%	+7.96%	-3.98	8 / 8
2018	-2.84%	-1.76%	-1.08	5 / 8
2017	+2.89%	+4.89%	-2.00	5 / 8
2016	+1.76%	+6.15%	-4.39	7 / 8

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

+5.81%

234 windows

min -9.1% · max 30.2%

85% positive

3-Year rolling

+5.44%

210 windows

min -1.8% · max 20.3%

96% positive

5-Year rolling

+5.00%

186 windows

min -0.4% · max 16.9%

99% positive

7-Year rolling

+4.58%

161 windows

min 0.8% · max 13.6%

100% 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

7.29%

3-year · annualised

Sharpe ratio

1.19

vs risk-free 6.5%

Sortino ratio

2.89

Downside-only deviation

Max drawdown

-8.69%

Jan 2026 → Mar 2026

% positive months

66.7%

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 Multi Asset Allocation Fund

Scheme	Fund house	NAV	As of
HDFC Multiple Yield Fund - Plan 2005-Dividend	HDFC	₹16.6860	12 Jun 2026
NIPPON INDIA MULTI ASSET ALLOCATION FUND - IDCW Option	Nippon India	₹23.0258	11 Jun 2026
SBI Magnum Monthly Income Plan-Floater-Dividend-(Annual)	SBI	₹37.2498	12 Jun 2026
Franklin India Multi Asset Allocation Fund- IDCW	Franklin India	₹10.7459	12 Jun 2026
Escorts Gilt Plan-DIVIDEND OPTION	Escorts	₹152.1705	12 Jun 2026

Recent NAVs

Date	NAV
12 Jun 2026	₹29.4269
11 Jun 2026	₹29.0375
10 Jun 2026	₹29.1672
9 Jun 2026	₹29.4206
8 Jun 2026	₹29.2527
5 Jun 2026	₹29.5047
4 Jun 2026	₹29.5259
3 Jun 2026	₹29.5156
2 Jun 2026	₹29.5763
1 Jun 2026	₹29.5522

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 Monthly Income Plan-Floater-Dividend-(Quarterly) is ₹29.4269. It's a Multi Asset Allocation Fund from SBI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) has NAV history starting from 03 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 Monthly Income Plan-Floater-Dividend-(Quarterly) is managed by SBI. It's classified by AMFI under the 'Multi Asset Allocation Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) has delivered a absolute return of 9.88% — +1.74 pp ahead of the Multi Asset Allocation Fund category average of 8.14%. The fund ranks #4 of 10 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) has delivered a CAGR of 15.95% — +0.19 pp ahead of the Multi Asset Allocation Fund category average of 15.76%. The fund ranks #6 of 9 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) has delivered a CAGR of 12.69% — -0.13 pp behind the Multi Asset Allocation Fund category average of 12.82%. The fund ranks #6 of 9 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) exactly 10 years ago would be worth approximately ₹233,775 today — a multiplier of 2.34×, based on the 10-year CAGR of 8.86%. The category average over the same window would have grown ₹1 lakh to ₹288,036.

A ₹10,000 monthly SIP in SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) over the last 5 years — total invested ₹600,000 — would be worth ₹844,399 today. That's an XIRR (money-weighted annualised return) of 13.62%.

A ₹10,000 monthly SIP for 10 years in SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) = ₹1,200,000 invested. It would currently be worth ₹2,196,497 (multiplier 1.83×). XIRR: 11.62%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) ranks #6 out of 9 funds in the Multi Asset Allocation Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 12.82%; this fund delivered 12.69%.

The worst peak-to-trough decline SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) has experienced over the last 5-year window is 8.69% — its NAV fell from a high on 29 Jan 2026 to a low on 23 Mar 2026. 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 Monthly Income Plan-Floater-Dividend-(Quarterly) averaged 5.00% (best 16.92%, worst -0.43%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.80 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) returned 18.40% — beating the Multi Asset Allocation Fund category average of 15.81% by 2.59 pp. It ranked #3 of 9 in its category that year.

SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. SBI Magnum Monthly Income Plan-Floater-Dividend-(Quarterly) is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.7%. 5-year CAGR: 12.69%.

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