Should I invest in SBI Comma Fund - Income Distribution cum Capital Withdrawal Option (IDCW)?

We don't give personal investment advice. SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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: 13.08%.

SBI

SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹72.5247

As of

3 Jun 2026

3,308 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	+0.41%	+0.27%	+0.14	93 / 249	Q2
1W	-0.83%	-1.33%	+0.49	68 / 249	Q2
2W	+0.63%	-0.44%	+1.06	103 / 251	Q2
1M	-0.74%	-0.98%	+0.24	125 / 251	Q2
3M	+3.16%	+0.91%	+2.26	97 / 249	Q2
6M	+10.92%	-3.35%	+14.27	8 / 241	Q1
YTD	+6.30%	-3.40%	+9.70	33 / 241	Q1
1Y	+16.07%	+2.11%	+13.96	18 / 225	Q1
2Y	+8.58%	+1.79%	+6.79	29 / 181	Q1
3Y	+21.89%	+12.30%	+9.59	12 / 142	Q1
4Y	+16.25%	+11.74%	+4.51	42 / 122	Q2
5Y	+13.08%	+8.93%	+4.15	37 / 111	Q2
7Y	+18.26%	+13.08%	+5.17	15 / 92	Q1
10Y	+15.52%	+12.03%	+3.49	15 / 77	Q1
Inception	+12.69%	+8.52%	+4.17	87 / 251	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	+6.30%	-2.64%	+8.94	32 / 237
2025	+12.85%	+1.49%	+11.36	26 / 204
2024	+10.51%	+20.10%	-9.58	128 / 158
2023	+32.15%	+30.21%	+1.94	57 / 131
2022	-6.07%	+1.48%	-7.55	88 / 119
2021	+51.86%	+31.54%	+20.33	15 / 106
2020	+24.34%	+19.90%	+4.44	30 / 95
2019	+11.96%	+6.43%	+5.53	18 / 87
2018	-30.78%	-9.17%	-21.62	77 / 78
2017	+38.58%	+32.45%	+6.13	27 / 77
2016	+32.17%	+2.96%	+29.21	1 / 77

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

+17.63%

152 windows

min -35.2% · max 105.2%

68% positive

3-Year rolling

+14.61%

127 windows

min -12.2% · max 31.5%

88% positive

5-Year rolling

+14.07%

103 windows

min -0.8% · max 26.5%

99% positive

7-Year rolling

+13.48%

79 windows

min 3.9% · max 19.4%

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

15.78%

3-year · annualised

Sharpe ratio

0.93

vs risk-free 6.5%

Sortino ratio

1.70

Downside-only deviation

Max drawdown

-21.90%

Sep 2024 → Feb 2025

% 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹72.5247
2 Jun 2026	₹72.5561
1 Jun 2026	₹72.2618
31 May 2026	₹72.2537
29 May 2026	₹72.2588
27 May 2026	₹73.4522
26 May 2026	₹73.1660
25 May 2026	₹73.0408
22 May 2026	₹72.5783
21 May 2026	₹72.5433

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 Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹72.5247. It's a Sectoral/Thematic Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 03 Jan 2013, a track record of about 13 years 5 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 - Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 16.07% — +13.96 pp ahead of the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #18 of 225 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 21.89% — +9.59 pp ahead of the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #12 of 142 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 13.08% — +4.15 pp ahead of the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #37 of 111 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹423,214 today — a multiplier of 4.23×, based on the 10-year CAGR of 15.52%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

A ₹10,000 monthly SIP in SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹874,204 today. That's an XIRR (money-weighted annualised return) of 15.03%.

A ₹10,000 monthly SIP for 10 years in SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹2,786,453 (multiplier 2.32×). XIRR: 16.07%. 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 - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #37 out of 111 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.93%; this fund delivered 13.08%.

The worst peak-to-trough decline SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 14.07% (best 26.46%, worst -0.81%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.45 — weak risk-adjusted performance.

In calendar year 2025, SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 12.85% — beating the Sectoral/Thematic Fund category average of 1.49% by 11.36 pp. It ranked #26 of 204 in its category that year.

SBI Comma Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Income Distribution cum Capital Withdrawal Option (IDCW) 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: 13.08%.

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