Should I invest in SBI MSFU IT?

We don't give personal investment advice. SBI MSFU IT is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 26.0%. 5-year CAGR: 8.16%.

SBI

SBI MSFU IT

Latest NAV

₹107.9569

As of

11 Jun 2026

4,956 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	-0.88%	-0.33%	-0.55	102 / 122	Q4
1W	-3.91%	-1.52%	-2.39	114 / 122	Q4
2W	-4.24%	-3.17%	-1.07	92 / 122	Q4
1M	-1.49%	-0.73%	-0.76	81 / 122	Q3
3M	-1.67%	+3.26%	-4.93	111 / 122	Q4
6M	-22.30%	-2.52%	-19.78	120 / 122	Q4
YTD	-21.83%	-3.42%	-18.41	121 / 122	Q4
1Y	-18.04%	-1.10%	-16.94	114 / 120	Q4
2Y	-0.42%	+1.91%	-2.34	63 / 116	Q3
3Y	+7.55%	+13.77%	-6.22	93 / 112	Q4
4Y	+8.89%	+15.31%	-6.42	90 / 105	Q4
5Y	+8.16%	+11.66%	-3.50	81 / 104	Q4
7Y	+15.16%	+13.64%	+1.53	38 / 99	Q2
10Y	+12.75%	+11.50%	+1.26	40 / 93	Q2
Inception	+8.78%	+10.54%	-1.76	76 / 122	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	-21.83%	-3.64%	-18.19	117 / 118
2025	+1.36%	+3.20%	-1.84	54 / 115
2024	+29.85%	+19.60%	+10.24	17 / 113
2023	+24.43%	+31.56%	-7.12	76 / 108
2022	-15.46%	+2.19%	-17.65	97 / 104
2021	+65.56%	+32.41%	+33.15	6 / 102
2020	+46.73%	+18.32%	+28.41	13 / 100
2019	+11.93%	+5.50%	+6.43	19 / 97
2018	+0.40%	-10.07%	+10.47	13 / 94
2017	+12.76%	+30.10%	-17.34	82 / 93
2016	-3.21%	-0.25%	-2.96	55 / 93

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

+14.24%

234 windows

min -64.3% · max 180.4%

64% positive

3-Year rolling

+11.81%

210 windows

min -23.3% · max 47.2%

84% positive

5-Year rolling

+12.25%

186 windows

min -6.9% · max 32.0%

92% positive

7-Year rolling

+11.59%

161 windows

min 0.1% · max 23.7%

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

18.06%

3-year · annualised

Sharpe ratio

0.14

vs risk-free 6.5%

Sortino ratio

0.21

Downside-only deviation

Max drawdown

-24.45%

Dec 2025 → Mar 2026

% positive months

50.0%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option	HDFC	₹17.4470	12 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹26.8218	12 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹72.5430	12 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5400	12 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹20.8871	12 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.3398	12 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹66.8550	12 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.0700	12 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹383.0606	12 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹63.1800	12 Jun 2026

Recent NAVs

Date	NAV
11 Jun 2026	₹107.9569
10 Jun 2026	₹108.9157
9 Jun 2026	₹110.0377
8 Jun 2026	₹110.2531
5 Jun 2026	₹111.5351
4 Jun 2026	₹112.3446
3 Jun 2026	₹112.3041
2 Jun 2026	₹115.6143
1 Jun 2026	₹113.6098
31 May 2026	₹112.4832

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 11 Jun 2026, the NAV of SBI MSFU IT is ₹107.9569. It's a Sectoral/Thematic Fund from SBI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

SBI MSFU IT 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 MSFU IT is managed by SBI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI MSFU IT has delivered a absolute return of -18.04% — -16.94 pp behind the Sectoral/Thematic Fund category average of -1.10%. The fund ranks #114 of 120 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI MSFU IT has delivered a CAGR of 7.55% — -6.22 pp behind the Sectoral/Thematic Fund category average of 13.77%. The fund ranks #93 of 112 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI MSFU IT has delivered a CAGR of 8.16% — -3.5 pp behind the Sectoral/Thematic Fund category average of 11.66%. The fund ranks #81 of 104 in its category — the bottom (Q4) quartile.

₹1 lakh invested in SBI MSFU IT exactly 10 years ago would be worth approximately ₹332,136 today — a multiplier of 3.32×, based on the 10-year CAGR of 12.75%. The category average over the same window would have grown ₹1 lakh to ₹296,912.

A ₹10,000 monthly SIP in SBI MSFU IT over the last 5 years — total invested ₹600,000 — would be worth ₹643,227 today. That's an XIRR (money-weighted annualised return) of 2.74%.

A ₹10,000 monthly SIP for 10 years in SBI MSFU IT = ₹1,200,000 invested. It would currently be worth ₹2,354,129 (multiplier 1.96×). XIRR: 12.92%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MSFU IT ranks #81 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 11.66%; this fund delivered 8.16%.

The worst peak-to-trough decline SBI MSFU IT has experienced over the last 5-year window is 26.04% — its NAV fell from a high on 04 Jan 2022 to a low on 17 Jun 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 MSFU IT averaged 12.25% (best 31.99%, worst -6.89%). 92% of rolling windows ended positive. The 5-year Sharpe ratio is 0.17 — weak risk-adjusted performance.

In calendar year 2025, SBI MSFU IT returned 1.36% — lagging the Sectoral/Thematic Fund category average of 3.20% by 1.84 pp. It ranked #54 of 115 in its category that year.

SBI MSFU IT is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. SBI MSFU IT is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 26.0%. 5-year CAGR: 8.16%.

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