Should I invest in SBI Banking & PSU Fund - Weekly Income Distribution cum Capital Withdrawal Option (IDCW)?

We don't give personal investment advice. SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.2%. 5-year CAGR: 5.93%.

SBI

SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹1,516.6929

As of

3 Jun 2026

2,909 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	+0.06%	+0.04%	+0.03	23 / 60	Q2
1W	+0.25%	+0.18%	+0.06	20 / 60	Q2
2W	+0.30%	+0.25%	+0.05	37 / 60	Q3
1M	+0.21%	+0.10%	+0.11	15 / 60	Q1
3M	+0.51%	-0.18%	+0.70	13 / 60	Q1
6M	+1.34%	+0.11%	+1.23	12 / 60	Q1
YTD	+1.24%	+0.01%	+1.23	9 / 60	Q1
1Y	+3.77%	+0.62%	+3.15	11 / 60	Q1
2Y	+6.92%	+2.02%	+4.91	8 / 60	Q1
3Y	+6.89%	+1.80%	+5.09	10 / 57	Q1
4Y	+6.89%	+1.90%	+4.99	6 / 51	Q1
5Y	+5.93%	+1.49%	+4.45	8 / 50	Q1
7Y	+5.74%	+1.49%	+4.25	6 / 47	Q1
10Y	+4.13%	+1.37%	+2.76	6 / 37	Q1
Inception	+3.51%	+1.97%	+1.53	12 / 57	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
2026 YTD	+1.24%	-0.12%	+1.36	6 / 51
2025	+7.87%	+2.37%	+5.50	6 / 52
2024	+8.15%	+2.35%	+5.80	8 / 53
2023	+7.06%	+2.08%	+4.98	5 / 51
2022	+3.35%	+1.10%	+2.25	12 / 50
2021	+3.01%	-0.84%	+3.84	9 / 50
2020	+8.93%	+2.60%	+6.33	4 / 47
2019	+1.85%	+1.86%	-0.02	18 / 45
2018	+0.31%	+1.66%	-1.35	26 / 46
2017	+0.09%	+0.89%	-0.80	20 / 46
2016	-0.04%	+2.60%	-2.64	37 / 43

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

+3.65%

135 windows

min -0.1% · max 10.5%

92% positive

3-Year rolling

+3.59%

110 windows

min 0.0% · max 8.0%

97% positive

5-Year rolling

+3.61%

86 windows

min 0.3% · max 6.8%

100% positive

7-Year rolling

+3.60%

62 windows

min 1.7% · max 5.9%

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

1.41%

3-year · annualised

Sharpe ratio

0.14

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.60%

Mar 2026 → Apr 2026

% positive months

94.4%

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 Banking & PSU Fund

Scheme	Fund house	NAV	As of
HDFC Banking and PSU Debt Fund - IDCW Option - Direct Plan	HDFC	₹10.0227	3 Jun 2026
NIPPON INDIA BANKING and PSU FUND - Direct Plan - IDCW Option	Nippon India	₹22.3658	3 Jun 2026
SBI Banking & PSU Fund - Direct Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,520.0680	3 Jun 2026
ICICI Prudential Banking and PSU Debt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹12.9930	3 Jun 2026
Invesco India Banking and PSU Fund - Direct Plan - Daily IDCW (Reinvestment)	Invesco	₹1,062.6489	3 Jun 2026
Bandhan Banking and PSU Fund - Direct Annual IDCW	Bandhan	₹12.0978	3 Jun 2026
Aditya Birla Sun Life Banking & PSU Debt Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹104.7496	3 Jun 2026
Franklin India Banking and PSU Debt Fund - Direct - IDCW	Franklin India	₹11.5390	3 Jun 2026
Mirae Asset Banking and PSU Fund - Direct Plan - IDCW	Mirae Asset	₹13.7262	3 Jun 2026
Kotak Banking and PSU Debt Direct - Monthly Payout of Income Distribution cum capital withdrawal option	Kotak	₹10.2444	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,516.6929
2 Jun 2026	₹1,517.1148
1 Jun 2026	₹1,516.1416
31 May 2026	₹1,515.5856
29 May 2026	₹1,515.0266
27 May 2026	₹1,514.1537
26 May 2026	₹1,513.3915
25 May 2026	₹1,513.3326
22 May 2026	₹1,511.6693
21 May 2026	₹1,511.1081

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 03 Jun 2026, the NAV of SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) is ₹1,516.6929. It's a Banking & PSU Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 30 May 2014, a track record of about 12 years. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'Banking & PSU Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 3.77% — +3.15 pp ahead of the Banking & PSU Fund category average of 0.62%. The fund ranks #11 of 60 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 6.89% — +5.09 pp ahead of the Banking & PSU Fund category average of 1.80%. The fund ranks #10 of 57 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 5.93% — +4.45 pp ahead of the Banking & PSU Fund category average of 1.49%. The fund ranks #8 of 50 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹149,920 today — a multiplier of 1.50×, based on the 10-year CAGR of 4.13%. The category average over the same window would have grown ₹1 lakh to ₹114,619.

A ₹10,000 monthly SIP in SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹707,365 today. That's an XIRR (money-weighted annualised return) of 6.52%.

A ₹10,000 monthly SIP for 10 years in SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹1,586,807 (multiplier 1.32×). XIRR: 5.45%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) ranks #8 out of 50 funds in the Banking & PSU Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 1.49%; this fund delivered 5.93%.

The worst peak-to-trough decline SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 1.15% — its NAV fell from a high on 05 Apr 2022 to a low on 09 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 Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) averaged 3.61% (best 6.81%, worst 0.32%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.49 — negative risk-adjusted performance.

In calendar year 2025, SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) returned 7.87% — beating the Banking & PSU Fund category average of 2.37% by 5.50 pp. It ranked #6 of 52 in its category that year.

SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. SBI Banking & PSU Fund - Direct Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 1.2%. 5-year CAGR: 5.93%.

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