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: 12.09%.

SBI

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

Latest NAV

₹71.5140

As of

17 Jul 2026

3,339 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%	-0.04%	-0.47	200 / 249	Q4
1W	+0.62%	-0.15%	+0.77	32 / 249	Q1
2W	+0.13%	-0.61%	+0.75	132 / 251	Q3
1M	+0.18%	+1.14%	-0.96	202 / 251	Q4
3M	+0.23%	+3.90%	-3.67	200 / 251	Q4
6M	+4.64%	+2.59%	+2.05	97 / 243	Q2
YTD	+4.77%	+0.68%	+4.09	74 / 241	Q2
1Y	+10.10%	+2.39%	+7.71	48 / 229	Q1
2Y	+5.92%	+0.44%	+5.47	48 / 186	Q2
3Y	+19.12%	+11.53%	+7.59	25 / 151	Q1
4Y	+18.02%	+12.75%	+5.27	45 / 125	Q2
5Y	+12.09%	+9.05%	+3.04	45 / 113	Q2
7Y	+18.93%	+14.43%	+4.50	16 / 92	Q1
10Y	+14.26%	+11.87%	+2.39	27 / 77	Q2
Inception	+12.45%	+10.06%	+2.39	103 / 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	+4.77%	+1.51%	+3.26	73 / 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

+18.14%

153 windows

min -35.3% · max 103.4%

69% positive

3-Year rolling

+15.13%

129 windows

min -10.1% · max 33.3%

91% positive

5-Year rolling

+14.22%

105 windows

min 0.6% · max 29.8%

100% positive

7-Year rolling

+13.76%

80 windows

min 4.9% · 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 - IDCW Option - Direct Plan	HDFC	₹17.4480	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹30.5463	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.5864	17 Jul 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹70.0600	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹14.5200	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹22.0968	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹32.1000	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.5239	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹71.5140
16 Jul 2026	₹71.8786
15 Jul 2026	₹71.7767
14 Jul 2026	₹71.2792
13 Jul 2026	₹71.2754
10 Jul 2026	₹71.0760
9 Jul 2026	₹70.3693
8 Jul 2026	₹70.0055
7 Jul 2026	₹71.1366
6 Jul 2026	₹71.5089

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 - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹71.5140. 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 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 - 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 10.10% — +7.71 pp ahead of the Sectoral/Thematic Fund category average of 2.39%. The fund ranks #48 of 229 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 19.12% — +7.59 pp ahead of the Sectoral/Thematic Fund category average of 11.53%. The fund ranks #25 of 151 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 12.09% — +3.04 pp ahead of the Sectoral/Thematic Fund category average of 9.05%. The fund ranks #45 of 113 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 ₹379,251 today — a multiplier of 3.79×, based on the 10-year CAGR of 14.26%. The category average over the same window would have grown ₹1 lakh to ₹306,966.

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 ₹850,596 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 - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹2,710,438 (multiplier 2.26×). XIRR: 15.55%. 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 #45 out of 113 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 9.05%; this fund delivered 12.09%.

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 14.22% (best 29.84%, worst 0.60%). 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 - 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: 12.09%.

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