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 - Regular 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: 5.46%.

SBI

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

Latest NAV

₹1,475.8841

As of

3 Jun 2026

3,035 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.

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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%	+0.02	17 / 46	Q2
1W	+0.24%	+0.20%	+0.04	16 / 46	Q2
2W	+0.28%	+0.19%	+0.10	25 / 46	Q3
1M	+0.18%	+0.10%	+0.08	16 / 46	Q2
3M	+0.42%	-0.11%	+0.53	13 / 45	Q2
6M	+1.15%	+0.36%	+0.78	13 / 45	Q2
YTD	+1.08%	+0.24%	+0.84	10 / 45	Q1
1Y	+3.37%	+1.36%	+2.01	12 / 45	Q2
2Y	+6.48%	+2.42%	+4.06	9 / 43	Q1
3Y	+6.43%	+1.94%	+4.49	7 / 37	Q1
4Y	+6.42%	+2.39%	+4.03	6 / 33	Q1
5Y	+5.46%	+2.05%	+3.41	9 / 33	Q2
7Y	+5.33%	+1.88%	+3.46	6 / 31	Q1
10Y	+3.91%	+1.70%	+2.22	5 / 25	Q1
Inception	+3.14%	+2.36%	+0.79	16 / 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	+1.08%	-0.15%	+1.23	7 / 36
2025	+7.44%	+2.43%	+5.01	5 / 37
2024	+7.64%	+2.68%	+4.96	6 / 39
2023	+6.56%	+2.17%	+4.39	8 / 37
2022	+2.87%	+1.72%	+1.15	11 / 33
2021	+2.53%	-0.47%	+3.00	5 / 33
2020	+8.61%	+2.88%	+5.73	4 / 31
2019	+1.85%	+2.39%	-0.55	14 / 30
2018	+0.31%	+1.46%	-1.15	14 / 29
2017	+0.29%	+0.94%	-0.65	13 / 34
2016	+0.49%	+2.13%	-1.65	15 / 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

+3.33%

141 windows

min -0.3% · max 10.0%

98% positive

3-Year rolling

+3.22%

117 windows

min 0.2% · max 7.5%

100% positive

5-Year rolling

+3.21%

92 windows

min 0.2% · max 6.3%

100% positive

7-Year rolling

+3.25%

68 windows

min 1.5% · max 5.5%

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

-0.17

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.62%

Mar 2026 → Apr 2026

% positive months

91.7%

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	₹1,476.2350	3 Jun 2026
Invesco India Banking and PSU Fund - Regular Plan - Daily IDCW (Reinvestment)	Invesco	₹1,049.2553	3 Jun 2026
Bandhan Banking and PSU Fund - Regular Annual IDCW	Bandhan	₹11.1380	3 Jun 2026
Mirae Asset Banking and PSU Fund - Regular plan - IDCW	Mirae Asset	₹13.3774	3 Jun 2026
Edelweiss Banking and PSU Debt Fund - Regular Plan - IDCW Option	Edelweiss	₹17.4365	3 Jun 2026
DSP Banking & PSU Debt Fund - Regular Plan - IDCW	DSP	₹10.3693	3 Jun 2026
HSBC Banking and PSU Debt Fund - Regular Daily IDCW	HSBC	₹11.0969	3 Jun 2026
Canara Robeco Banking and PSU Debt Fund- Regular Plan- IDCW (Payout/ Reinvestment)	Canara Robeco	₹10.7432	3 Jun 2026
UTI Banking & PSU Fund - Regular Plan - Annual IDCW	UTI	₹13.1500	3 Jun 2026
Axis Banking & PSU Debt Fund - Regular Plan - Daily IDCW	Axis	₹1,037.7295	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹1,475.8841
2 Jun 2026	₹1,476.3098
1 Jun 2026	₹1,475.3787
31 May 2026	₹1,474.8528
29 May 2026	₹1,474.3392
27 May 2026	₹1,473.5195
26 May 2026	₹1,472.7932
25 May 2026	₹1,472.7510
22 May 2026	₹1,471.1782
21 May 2026	₹1,470.6472

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 - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) is ₹1,475.8841. 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 - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 18 Nov 2013, a track record of about 12 years 6 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 - 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 - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 3.37% — +2.01 pp ahead of the Banking & PSU Fund category average of 1.36%. The fund ranks #12 of 45 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Banking & PSU Fund - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 6.43% — +4.49 pp ahead of the Banking & PSU Fund category average of 1.94%. The fund ranks #7 of 37 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Banking & PSU Fund - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 5.46% — +3.41 pp ahead of the Banking & PSU Fund category average of 2.05%. The fund ranks #9 of 33 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Banking & PSU Fund - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹146,758 today — a multiplier of 1.47×, based on the 10-year CAGR of 3.91%. The category average over the same window would have grown ₹1 lakh to ₹118,304.

A ₹10,000 monthly SIP in SBI Banking & PSU Fund - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹699,215 today. That's an XIRR (money-weighted annualised return) of 6.05%.

A ₹10,000 monthly SIP for 10 years in SBI Banking & PSU Fund - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹1,556,090 (multiplier 1.30×). XIRR: 5.07%. 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 - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) ranks #9 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 2.05%; this fund delivered 5.46%.

The worst peak-to-trough decline SBI Banking & PSU Fund - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 1.19% — 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 - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) averaged 3.21% (best 6.33%, worst 0.20%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.81 — negative risk-adjusted performance.

In calendar year 2025, SBI Banking & PSU Fund - Regular Plan - Weekly Income Distribution cum Capital Withdrawal Option (IDCW) returned 7.44% — beating the Banking & PSU Fund category average of 2.43% by 5.01 pp. It ranked #5 of 37 in its category that year.

SBI Banking & PSU Fund - Regular 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 - Regular 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: 5.46%.

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

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

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Banking & PSU Fund

Recent NAVs

Frequently asked questions

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