Should I invest in SBI MGLT?

We don't give personal investment advice. SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option 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: 9.6%. 5-year CAGR: 11.13%.

SBI

SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option

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	-0.07%	+0.01%	-0.08	56 / 67	Q4
1W	+0.96%	-10.06%	+11.02	5 / 69	Q1
2W	+1.13%	-9.67%	+10.80	2 / 73	Q1
1M	+3.04%	-9.89%	+12.93	2 / 72	Q1
3M	+5.73%	-12.90%	+18.63	1 / 76	Q1
6M	+9.27%	-12.24%	+21.51	1 / 76	Q1
YTD	+9.31%	-12.22%	+21.53	1 / 75	Q1
1Y	+12.02%	-10.28%	+22.30	4 / 75	Q1
2Y	+14.39%	-12.45%	+26.84	1 / 71	Q1
3Y	+12.60%	-16.88%	+29.47	1 / 70	Q1
4Y	+11.96%	-23.11%	+35.08	1 / 65	Q1
5Y	+11.13%	-27.10%	+38.23	1 / 60	Q1
7Y	+8.77%	-19.22%	+27.99	5 / 49	Q1
10Y	+7.39%	-13.58%	+20.97	7 / 23	Q2
Inception	+7.23%	-18.29%	+25.52	10 / 85	Q1

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
2016 YTD	+9.31%	+8.41%	+0.90	16 / 27
2015	+7.52%	+0.91%	+6.61	3 / 36
2014	+20.05%	+5.14%	+14.92	1 / 43
2013	+5.61%	-3.23%	+8.84	11 / 48
2012	+9.43%	+5.57%	+3.86	8 / 55
2011	+5.31%	+2.07%	+3.24	18 / 59
2010	+4.14%	+0.75%	+3.40	14 / 68
2009	-14.02%	-6.22%	-7.79	54 / 65
2008	+17.73%	+7.61%	+10.12	23 / 63
2007	+7.28%	+1.73%	+5.55	3 / 53
2006	—	—	—	—

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

+7.07%

115 windows

min -11.0% · max 22.9%

93% positive

3-Year rolling

+6.36%

90 windows

min -1.1% · max 12.6%

99% positive

5-Year rolling

+6.32%

66 windows

min 2.7% · max 11.1%

100% positive

7-Year rolling

+6.29%

42 windows

min 4.8% · max 8.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

4.86%

3-year · annualised

Sharpe ratio

1.09

vs risk-free 6.5%

Sortino ratio

3.65

Downside-only deviation

Max drawdown

-5.46%

Aug 2013 → Aug 2013

% positive months

75.0%

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.

Recent NAVs

Date	NAV
12 Aug 2016	₹21.3407
11 Aug 2016	₹21.3561
10 Aug 2016	₹21.3087
9 Aug 2016	₹21.2481
8 Aug 2016	₹21.1563
5 Aug 2016	₹21.1372
4 Aug 2016	₹21.1237
3 Aug 2016	₹21.0800
2 Aug 2016	₹21.1212
1 Aug 2016	₹21.1693

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.

SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option is a Gilt from SBI (Unknown plan, IDCW (dividend) option). Latest NAV isn't currently available in our feed — the AMC publishes it once per business day after market close.

SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option 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 MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option is managed by SBI. It's classified by AMFI under the 'Gilt' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option has delivered a absolute return of 12.02% — +22.3 pp ahead of the Gilt category average of -10.28%. The fund ranks #4 of 75 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option has delivered a CAGR of 12.60% — +29.47 pp ahead of the Gilt category average of -16.88%. The fund ranks #1 of 70 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option has delivered a CAGR of 11.13% — +38.23 pp ahead of the Gilt category average of -27.10%. The fund ranks #1 of 60 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option exactly 10 years ago would be worth approximately ₹203,949 today — a multiplier of 2.04×, based on the 10-year CAGR of 7.39%. The category average over the same window would have grown ₹1 lakh to ₹23,230.

A ₹10,000 monthly SIP in SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option over the last 5 years — total invested ₹600,000 — would be worth ₹812,475 today. That's an XIRR (money-weighted annualised return) of 12.06%.

A ₹10,000 monthly SIP for 10 years in SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option = ₹1,200,000 invested. It would currently be worth ₹1,909,733 (multiplier 1.59×). XIRR: 8.98%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option ranks #1 out of 60 funds in the Gilt category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -27.10%; this fund delivered 11.13%.

The worst peak-to-trough decline SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option has experienced over the last 5-year window is 9.58% — its NAV fell from a high on 27 May 2013 to a low on 19 Aug 2013. 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 MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option averaged 6.32% (best 11.13%, worst 2.68%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.83 — reasonable risk-adjusted performance.

In calendar year 2015, SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option returned 7.52% — beating the Gilt category average of 0.91% by 6.61 pp. It ranked #3 of 36 in its category that year.

SBI MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option 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 MGLT- GROWTH - PF (Fixed Period - 1 Yr) Option 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: 9.6%. 5-year CAGR: 11.13%.

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