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

We don't give personal investment advice. SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option 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.

SBI

SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option

Latest NAV

₹15.4987

As of

17 Jul 2026

827 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%	+0.29%	-0.23	6 / 6	Q4
1W	+0.70%	-0.15%	+0.85	1 / 6	Q1
2W	+0.23%	+0.02%	+0.22	2 / 6	Q2
1M	+1.94%	+1.00%	+0.93	1 / 6	Q1
3M	+2.28%	+2.96%	-0.68	4 / 6	Q3
6M	-0.68%	+1.97%	-2.65	4 / 6	Q3
YTD	-0.80%	+1.49%	-2.30	4 / 5	Q4
1Y	+2.72%	+3.81%	-1.09	4 / 5	Q4
2Y	-0.20%	+1.83%	-2.04	4 / 4	Q4
3Y	+11.04%	+14.47%	-3.44	4 / 4	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.90%	+9.09%	+4.81	2 / 6	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	-0.80%	+1.49%	-2.30	4 / 5
2025	+5.55%	+5.76%	-0.21	3 / 5
2024	+14.39%	+17.10%	-2.71	2 / 4
2023	—	—	—	—

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

+13.87%

29 windows

min -5.0% · max 41.2%

83% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+12.43%

5 windows

min 11.0% · max 14.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

11.54%

3-year · annualised

Sharpe ratio

0.41

vs risk-free 6.5%

Sortino ratio

0.67

Downside-only deviation

Max drawdown

-18.28%

Sep 2024 → Apr 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 Dividend Yield Fund

Scheme	Fund house	NAV	As of
Kotak Dividend Yield Fund - Regular IDCW	Kotak	₹9.7360	17 Jul 2026
Baroda BNP Paribas Dividend Yield Fund - Regular Plan - IDCW Option	Baroda BNP Paribas	₹9.6310	17 Jul 2026
LIC MF Dividend Yield Fund-Regular Plan-IDCW	LIC	₹32.2874	17 Jul 2026
Tata Dividend Yield Fund-Regular Plan-IDCW Payout	Tata	₹19.5260	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.4987
16 Jul 2026	₹15.4898
15 Jul 2026	₹15.4378
14 Jul 2026	₹15.3953
13 Jul 2026	₹15.4237
10 Jul 2026	₹15.3911
9 Jul 2026	₹15.2349
8 Jul 2026	₹15.1845
7 Jul 2026	₹15.4398
6 Jul 2026	₹15.5158

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 Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option is ₹15.4987. It's a Dividend Yield Fund from SBI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option has NAV history starting from 17 Mar 2023, a track record of about 3 years 4 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option is managed by SBI. It's classified by AMFI under the 'Dividend Yield Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option has delivered a absolute return of 2.72% — -1.09 pp behind the Dividend Yield Fund category average of 3.81%. The fund ranks #4 of 5 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option has delivered a CAGR of 11.04% — -3.44 pp behind the Dividend Yield Fund category average of 14.47%. The fund ranks #4 of 4 in its category — the bottom (Q4) quartile.

SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option exactly 3 years ago would be worth approximately ₹136,895 today — a multiplier of 1.37×, based on the 3-year CAGR of 11.04%. The category average over the same window would have grown ₹1 lakh to ₹150,005.

A ₹10,000 monthly SIP in SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option over the last 3 years — total invested ₹360,000 — would be worth ₹394,532 today. That's an XIRR (money-weighted annualised return) of 6.04%.

SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹394,532 — XIRR 6.04%.

On a 3-year basis, SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option ranks #4 out of 4 funds in the Dividend Yield Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 14.47%; this fund delivered 11.04%.

The worst peak-to-trough decline SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option has experienced over the last 3-year window is 18.28% — its NAV fell from a high on 26 Sep 2024 to a low on 07 Apr 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 3-year rolling windows, SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option averaged 12.43% (best 14.17%, worst 11.04%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2025, SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option returned 5.55% — lagging the Dividend Yield Fund category average of 5.76% by 0.21 pp. It ranked #3 of 5 in its category that year.

SBI Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option 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 Dividend Yield Fund - Regular Plan - Income Distribution cum Capital Withdrawal (IDCW) Option 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.

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