Should I invest in SBI COMMA Fund?

We don't give personal investment advice. SBI COMMA Fund - DIRECT PLAN - Growth 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: 26.3%. 5-year CAGR: 12.09%.

SBI

SBI COMMA Fund - DIRECT PLAN - Growth

Latest NAV

₹125.6734

As of

17 Jul 2026

3,337 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	-0.51%	-0.05%	-0.46	205 / 258	Q4
1W	+0.62%	-0.18%	+0.80	30 / 258	Q1
2W	+0.13%	-0.17%	+0.31	137 / 259	Q3
1M	+0.18%	+1.63%	-1.45	210 / 259	Q4
3M	+0.23%	+4.83%	-4.60	224 / 259	Q4
6M	+4.64%	+4.61%	+0.03	110 / 250	Q2
YTD	+4.77%	+2.98%	+1.79	92 / 247	Q2
1Y	+10.10%	+5.46%	+4.65	62 / 235	Q2
2Y	+5.92%	+4.09%	+1.83	69 / 187	Q2
3Y	+19.12%	+15.93%	+3.19	55 / 148	Q2
4Y	+18.02%	+17.58%	+0.44	66 / 121	Q3
5Y	+12.09%	+13.72%	-1.63	76 / 110	Q3
7Y	+18.93%	+17.79%	+1.14	35 / 91	Q2
10Y	+16.24%	+14.89%	+1.35	25 / 76	Q2
Inception	+13.84%	+12.07%	+1.77	125 / 259	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	+4.77%	+3.40%	+1.37	91 / 244
2025	+12.85%	+4.41%	+8.44	40 / 208
2024	+10.51%	+23.18%	-12.66	143 / 155
2023	+32.15%	+33.51%	-1.37	65 / 127
2022	-6.07%	+4.32%	-10.39	89 / 116
2021	+51.87%	+34.43%	+17.44	15 / 104
2020	+24.34%	+21.19%	+3.14	32 / 94
2019	+11.96%	+9.30%	+2.67	25 / 85
2018	-17.80%	-5.36%	-12.45	66 / 77
2017	+38.59%	+35.61%	+2.98	38 / 76
2016	+32.23%	+4.98%	+27.24	2 / 76

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

+19.33%

153 windows

min -23.2% · max 103.4%

73% positive

3-Year rolling

+16.83%

129 windows

min -4.8% · max 33.3%

97% positive

5-Year rolling

+16.48%

104 windows

min 4.1% · max 29.8%

100% positive

7-Year rolling

+15.97%

80 windows

min 7.6% · max 20.7%

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

14.13%

3-year · annualised

Sharpe ratio

0.83

vs risk-free 6.5%

Sortino ratio

1.40

Downside-only deviation

Max drawdown

-21.90%

Sep 2024 → Feb 2025

% positive months

66.7%

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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹125.6734
16 Jul 2026	₹126.3141
15 Jul 2026	₹126.1350
14 Jul 2026	₹125.2607
13 Jul 2026	₹125.2541
10 Jul 2026	₹124.9037
9 Jul 2026	₹123.6617
8 Jul 2026	₹123.0224
7 Jul 2026	₹125.0102
6 Jul 2026	₹125.6644

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 COMMA Fund - DIRECT PLAN - Growth is ₹125.6734. It's a Sectoral/Thematic Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI COMMA Fund - DIRECT PLAN - Growth has NAV history starting from 07 Jan 2013, a track record of about 13 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 COMMA Fund - DIRECT PLAN - Growth 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 COMMA Fund - DIRECT PLAN - Growth has delivered a absolute return of 10.10% — +4.65 pp ahead of the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #62 of 235 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI COMMA Fund - DIRECT PLAN - Growth has delivered a CAGR of 19.12% — +3.19 pp ahead of the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #55 of 148 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI COMMA Fund - DIRECT PLAN - Growth has delivered a CAGR of 12.09% — -1.63 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #76 of 110 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI COMMA Fund - DIRECT PLAN - Growth exactly 10 years ago would be worth approximately ₹450,379 today — a multiplier of 4.50×, based on the 10-year CAGR of 16.24%. The category average over the same window would have grown ₹1 lakh to ₹400,745.

A ₹10,000 monthly SIP in SBI COMMA Fund - DIRECT PLAN - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹850,607 today. That's an XIRR (money-weighted annualised return) of 13.93%.

A ₹10,000 monthly SIP for 10 years in SBI COMMA Fund - DIRECT PLAN - Growth = ₹1,200,000 invested. It would currently be worth ₹2,823,658 (multiplier 2.35×). XIRR: 16.32%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI COMMA Fund - DIRECT PLAN - Growth ranks #76 out of 110 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 13.72%; this fund delivered 12.09%.

The worst peak-to-trough decline SBI COMMA Fund - DIRECT PLAN - Growth has experienced over the last 5-year window is 26.34% — its NAV fell from a high on 17 Jan 2022 to a low on 20 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 COMMA Fund - DIRECT PLAN - Growth averaged 16.48% (best 29.84%, worst 4.13%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.38 — weak risk-adjusted performance.

In calendar year 2025, SBI COMMA Fund - DIRECT PLAN - Growth returned 12.85% — beating the Sectoral/Thematic Fund category average of 4.41% by 8.44 pp. It ranked #40 of 208 in its category that year.

SBI COMMA Fund - DIRECT PLAN - Growth 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 COMMA Fund - DIRECT PLAN - Growth 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: 26.3%. 5-year CAGR: 12.09%.

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