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

We don't give personal investment advice. SBI Banking & PSU Fund - Regular Plan - Monthly 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: 5.2%. 5-year CAGR: 1.96%.

SBI

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

Latest NAV

₹1,228.5953

As of

17 Jul 2026

3,066 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%	+0.02%	+0.04	2 / 46	Q1
1W	+0.02%	-0.01%	+0.03	17 / 46	Q2
2W	-0.06%	-0.11%	+0.05	18 / 46	Q2
1M	+0.41%	+0.03%	+0.39	17 / 46	Q2
3M	+0.59%	+0.55%	+0.04	19 / 45	Q2
6M	+0.49%	+1.10%	-0.61	20 / 45	Q2
YTD	+0.31%	+0.74%	-0.43	19 / 45	Q2
1Y	-0.17%	+1.85%	-2.03	29 / 45	Q3
2Y	+1.75%	+2.54%	-0.79	19 / 43	Q2
3Y	+2.08%	+2.10%	-0.02	13 / 37	Q2
4Y	+3.11%	+2.35%	+0.76	11 / 34	Q2
5Y	+1.96%	+2.15%	-0.20	13 / 33	Q2
7Y	+1.75%	+1.81%	-0.06	11 / 31	Q2
10Y	+1.71%	+1.82%	-0.11	10 / 26	Q2
Inception	+1.59%	+2.40%	-0.81	22 / 46	Q2

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	+0.31%	+0.48%	-0.17	12 / 36
2025	+2.29%	+2.43%	-0.14	14 / 37
2024	+2.34%	+2.68%	-0.34	16 / 39
2023	+5.20%	+2.17%	+3.03	11 / 37
2022	-1.66%	+1.72%	-3.38	31 / 33
2021	-1.89%	-0.47%	-1.42	28 / 33
2020	+5.16%	+2.88%	+2.28	11 / 31
2019	+3.85%	+2.39%	+1.45	9 / 30
2018	+2.76%	+1.46%	+1.30	7 / 29
2017	-0.79%	+0.94%	-1.73	32 / 34
2016	+0.73%	+2.13%	-1.41	13 / 30

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

+1.66%

143 windows

min -3.1% · max 6.6%

74% positive

3-Year rolling

+1.68%

118 windows

min 0.0% · max 4.6%

99% positive

5-Year rolling

+1.64%

94 windows

min 0.7% · max 2.4%

100% positive

7-Year rolling

+1.68%

70 windows

min 0.8% · max 2.6%

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

1.37%

3-year · annualised

Sharpe ratio

-3.22

vs risk-free 6.5%

Sortino ratio

-7.77

Downside-only deviation

Max drawdown

-2.13%

May 2025 → Apr 2026

% positive months

69.4%

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
SBI Banking & PSU Fund - Regular Plan - Daily Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹1,501.8744	17 Jul 2026
Invesco India Banking and PSU Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,049.8531	17 Jul 2026
Bandhan Banking and PSU Fund - Regular Annual IDCW	Bandhan	₹11.3500	17 Jul 2026
Mirae Asset Banking and PSU Fund - Regular plan - IDCW	Mirae Asset	₹13.5966	17 Jul 2026
Edelweiss Banking and PSU Debt Fund - Regular Plan - IDCW Option	Edelweiss	₹17.6764	17 Jul 2026
DSP Banking & PSU Debt Fund - Regular Plan - IDCW	DSP	₹10.5865	17 Jul 2026
HSBC Banking and PSU Debt Fund - Regular Daily IDCW	HSBC	₹11.0910	17 Jul 2026
Canara Robeco Banking and PSU Debt Fund- Regular Plan- IDCW (Payout/ Reinvestment)	Canara Robeco	₹10.6618	17 Jul 2026
UTI Banking & PSU Fund - Regular Plan - Annual IDCW	UTI	₹13.3115	17 Jul 2026
Axis Banking & PSU Debt Fund - Regular Plan - Daily IDCW	Axis	₹1,037.3339	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹1,228.5953
16 Jul 2026	₹1,227.8557
15 Jul 2026	₹1,227.1793
14 Jul 2026	₹1,226.7458
13 Jul 2026	₹1,228.8284
10 Jul 2026	₹1,228.2968
9 Jul 2026	₹1,227.3475
8 Jul 2026	₹1,227.0012
7 Jul 2026	₹1,229.4373
6 Jul 2026	₹1,229.8342

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 17 Jul 2026, the NAV of SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is ₹1,228.5953. It's a Banking & PSU Fund from SBI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 18 Nov 2013, a track record of about 12 years 8 months. 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 - Regular Plan - Monthly 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 - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of -0.17% — -2.03 pp behind the Banking & PSU Fund category average of 1.85%. The fund ranks #29 of 45 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 2.08% — -0.02 pp behind the Banking & PSU Fund category average of 2.10%. The fund ranks #13 of 37 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 1.96% — -0.2 pp behind the Banking & PSU Fund category average of 2.15%. The fund ranks #13 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹118,439 today — a multiplier of 1.18×, based on the 10-year CAGR of 1.71%. The category average over the same window would have grown ₹1 lakh to ₹119,772.

A ₹10,000 monthly SIP in SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹633,423 today. That's an XIRR (money-weighted annualised return) of 2.14%.

A ₹10,000 monthly SIP for 10 years in SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹1,322,053 (multiplier 1.10×). XIRR: 1.91%. 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 - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) ranks #13 out of 33 funds in the Banking & PSU Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 2.15%; this fund delivered 1.96%.

The worst peak-to-trough decline SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 5.16% — its NAV fell from a high on 18 Feb 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 - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) averaged 1.64% (best 2.38%, worst 0.70%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.88 — negative risk-adjusted performance.

In calendar year 2025, SBI Banking & PSU Fund - Regular Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) returned 2.29% — lagging the Banking & PSU Fund category average of 2.43% by 0.14 pp. It ranked #14 of 37 in its category that year.

SBI Banking & PSU Fund - Regular Plan - Monthly 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 - Regular Plan - Monthly 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: 5.2%. 5-year CAGR: 1.96%.

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