Should I invest in SBI MGLT?

We don't give personal investment advice. SBI MGLT-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: 4.3%. 5-year CAGR: 5.03%.

SBI

SBI MGLT-DIVIDEND

Latest NAV

₹20.7847

As of

12 Jun 2026

4,898 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	+0.10%	+0.11%	-0.01	27 / 50	Q3
1W	+0.51%	+0.38%	+0.13	18 / 50	Q2
2W	+0.79%	+0.60%	+0.19	23 / 50	Q2
1M	+1.04%	+0.87%	+0.17	23 / 50	Q2
3M	+0.83%	+0.72%	+0.11	14 / 49	Q2
6M	+2.22%	+1.34%	+0.88	12 / 48	Q1
YTD	+1.75%	+1.06%	+0.69	9 / 48	Q1
1Y	+2.35%	+1.56%	+0.79	19 / 48	Q2
2Y	+5.48%	+4.11%	+1.37	20 / 47	Q2
3Y	+6.05%	+4.59%	+1.46	18 / 46	Q2
4Y	+6.90%	+4.92%	+1.97	13 / 44	Q2
5Y	+5.03%	+3.80%	+1.23	21 / 42	Q2
7Y	+5.62%	+4.45%	+1.18	22 / 42	Q3
10Y	+4.98%	+4.89%	+0.09	28 / 42	Q3
Inception	+3.68%	+5.11%	-1.43	34 / 50	Q3

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	+1.75%	+0.88%	+0.87	8 / 35
2025	+4.74%	+3.16%	+1.57	14 / 37
2024	+9.07%	+7.11%	+1.96	6 / 37
2023	+7.45%	+5.56%	+1.89	8 / 37
2022	+0.57%	+1.37%	-0.80	28 / 37
2021	+2.97%	+1.03%	+1.94	10 / 37
2020	+11.44%	+8.25%	+3.19	11 / 37
2019	+6.92%	+8.56%	-1.63	25 / 37
2018	+0.45%	+3.47%	-3.02	37 / 47
2017	-2.62%	+0.07%	-2.69	35 / 47
2016	+9.68%	+11.27%	-1.59	30 / 46

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

+3.75%

234 windows

min -9.9% · max 12.3%

79% positive

3-Year rolling

+3.76%

210 windows

min -2.5% · max 9.0%

90% positive

5-Year rolling

+3.84%

186 windows

min -0.3% · max 6.3%

99% positive

7-Year rolling

+3.92%

161 windows

min 0.9% · max 6.6%

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

2.65%

3-year · annualised

Sharpe ratio

-0.21

vs risk-free 6.5%

Sortino ratio

-0.49

Downside-only deviation

Max drawdown

-3.35%

May 2025 → Aug 2025

% positive months

80.6%

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 Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund-Long Term-Dividend	HDFC	₹12.1795	12 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option	SBI	₹20.8823	12 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.3777	12 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6530	12 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.7481	12 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.5456	12 Jun 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹25.7427	12 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹76.1231	12 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.6658	12 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.3584	12 Jun 2026

Recent NAVs

Date	NAV
12 Jun 2026	₹20.7847
11 Jun 2026	₹20.7644
10 Jun 2026	₹20.7583
9 Jun 2026	₹20.7693
8 Jun 2026	₹20.7016
5 Jun 2026	₹20.6802
4 Jun 2026	₹20.6329
3 Jun 2026	₹20.6068
2 Jun 2026	₹20.6288
1 Jun 2026	₹20.6200

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 MGLT-DIVIDEND is ₹20.7847. It's a Gilt Fund from SBI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI MGLT-DIVIDEND 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-DIVIDEND is managed by SBI. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI MGLT-DIVIDEND has delivered a absolute return of 2.35% — +0.79 pp ahead of the Gilt Fund category average of 1.56%. The fund ranks #19 of 48 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI MGLT-DIVIDEND has delivered a CAGR of 6.05% — +1.46 pp ahead of the Gilt Fund category average of 4.59%. The fund ranks #18 of 46 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI MGLT-DIVIDEND has delivered a CAGR of 5.03% — +1.23 pp ahead of the Gilt Fund category average of 3.80%. The fund ranks #21 of 42 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI MGLT-DIVIDEND exactly 10 years ago would be worth approximately ₹162,510 today — a multiplier of 1.63×, based on the 10-year CAGR of 4.98%. The category average over the same window would have grown ₹1 lakh to ₹161,142.

A ₹10,000 monthly SIP in SBI MGLT-DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹694,156 today. That's an XIRR (money-weighted annualised return) of 5.76%.

A ₹10,000 monthly SIP for 10 years in SBI MGLT-DIVIDEND = ₹1,200,000 invested. It would currently be worth ₹1,576,777 (multiplier 1.31×). XIRR: 5.33%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MGLT-DIVIDEND ranks #21 out of 42 funds in the Gilt Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 3.80%; this fund delivered 5.03%.

The worst peak-to-trough decline SBI MGLT-DIVIDEND has experienced over the last 5-year window is 4.26% — its NAV fell from a high on 03 Jan 2022 to a low on 06 May 2022. 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-DIVIDEND averaged 3.84% (best 6.25%, worst -0.31%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is -0.52 — negative risk-adjusted performance.

In calendar year 2025, SBI MGLT-DIVIDEND returned 4.74% — beating the Gilt Fund category average of 3.16% by 1.57 pp. It ranked #14 of 37 in its category that year.

SBI MGLT-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 MGLT-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: 4.3%. 5-year CAGR: 5.03%.

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