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

We don't give personal investment advice. SBI Equity Savings Fund - Direct Plan - Quarterly 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: 7.1%. 5-year CAGR: 8.77%.

SBI

SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹25.4934

As of

3 Jun 2026

2,718 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	-0.04%	+7.25%	-7.29	39 / 52	Q3
1W	-0.39%	+6.89%	-7.28	18 / 52	Q2
2W	-0.10%	+7.13%	-7.24	25 / 52	Q2
1M	-0.47%	+7.13%	-7.61	31 / 51	Q3
3M	-0.10%	+6.63%	-6.73	21 / 51	Q2
6M	-0.30%	+6.00%	-6.30	24 / 51	Q2
YTD	-0.29%	+5.72%	-6.01	17 / 51	Q2
1Y	+3.11%	+8.33%	-5.22	18 / 50	Q2
2Y	+5.94%	+5.55%	+0.38	16 / 50	Q2
3Y	+10.15%	+6.83%	+3.31	9 / 48	Q1
4Y	+9.96%	+6.12%	+3.84	11 / 43	Q2
5Y	+8.77%	+5.24%	+3.53	12 / 42	Q2
7Y	+9.67%	+5.14%	+4.53	6 / 38	Q1
10Y	+8.93%	+4.13%	+4.81	1 / 20	Q1
Inception	+8.91%	+5.77%	+3.14	9 / 50	Q1

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	-0.29%	-2.29%	+2.00	9 / 43
2025	+5.46%	+10.59%	-5.13	17 / 45
2024	+12.41%	+7.51%	+4.90	8 / 45
2023	+18.12%	+8.56%	+9.56	1 / 43
2022	+2.40%	+0.43%	+1.97	13 / 43
2021	+13.37%	+8.79%	+4.57	5 / 43
2020	+12.62%	+7.24%	+5.38	7 / 43
2019	+9.99%	+4.12%	+5.87	3 / 37
2018	-2.32%	-1.89%	-0.43	17 / 28
2017	+15.93%	+9.85%	+6.08	2 / 25
2016	+7.66%	+5.06%	+2.60	4 / 17

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

+9.63%

122 windows

min -10.8% · max 36.6%

92% positive

3-Year rolling

+9.38%

98 windows

min -0.2% · max 15.4%

99% positive

5-Year rolling

+9.71%

74 windows

min 5.4% · max 14.2%

100% positive

7-Year rolling

+9.39%

49 windows

min 7.6% · max 10.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

5.21%

3-year · annualised

Sharpe ratio

0.64

vs risk-free 6.5%

Sortino ratio

1.24

Downside-only deviation

Max drawdown

-6.38%

Dec 2024 → Mar 2025

% positive months

77.8%

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 Equity Savings Fund

Scheme	Fund house	NAV	As of
HDFC Equity Savings Fund - IDCW Option - Direct Plan	HDFC	₹14.9190	3 Jun 2026
NIPPON INDIA EQUITY SAVINGS FUND - SEGREGATED PORTFOLIO 2 - Direct Plan - IDCW Option	Nippon India	₹0.0000	3 Jun 2026
SBI Equity Savings Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹24.6420	3 Jun 2026
ICICI Prudential Equity Savings Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹15.5800	3 Jun 2026
Invesco India Equity Savings Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹18.2438	3 Jun 2026
BANDHAN Equity Savings Fund-Direct Plan -Quarterly IDCW	Bandhan	₹13.2530	3 Jun 2026
quant Equity Savings Fund - IDCW Option - Direct Plan	Quant	₹10.4579	3 Jun 2026
Aditya Birla Sun Life Equity Savings Fund - Direct - IDCW	Aditya Birla Sun Life	₹15.4200	3 Jun 2026
Franklin India Equity Savings Fund - Direct - IDCW	Franklin India	₹14.9660	3 Jun 2026
Mirae Asset Equity Savings Fund Direct IDCW	Mirae Asset	₹13.3610	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹25.4934
2 Jun 2026	₹25.4948
1 Jun 2026	₹25.5047
31 May 2026	₹25.4826
29 May 2026	₹25.4812
27 May 2026	₹25.5660
26 May 2026	₹25.5944
25 May 2026	₹25.6015
22 May 2026	₹25.5267
21 May 2026	₹25.5289

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 Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) is ₹25.4934. It's a Equity Savings Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 03 Jun 2015, a track record of about 11 years. 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 Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'Equity Savings Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 3.11% — -5.22 pp behind the Equity Savings Fund category average of 8.33%. The fund ranks #18 of 50 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 10.15% — +3.31 pp ahead of the Equity Savings Fund category average of 6.83%. The fund ranks #9 of 48 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 8.77% — +3.53 pp ahead of the Equity Savings Fund category average of 5.24%. The fund ranks #12 of 42 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹235,296 today — a multiplier of 2.35×, based on the 10-year CAGR of 8.93%. The category average over the same window would have grown ₹1 lakh to ₹149,851.

A ₹10,000 monthly SIP in SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹741,234 today. That's an XIRR (money-weighted annualised return) of 8.38%.

A ₹10,000 monthly SIP for 10 years in SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹1,935,397 (multiplier 1.61×). XIRR: 9.24%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) ranks #12 out of 42 funds in the Equity Savings Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 5.24%; this fund delivered 8.77%.

The worst peak-to-trough decline SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 7.08% — 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 Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) averaged 9.71% (best 14.19%, worst 5.38%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.41 — weak risk-adjusted performance.

In calendar year 2025, SBI Equity Savings Fund - Direct Plan - Quarterly Income Distribution cum Capital Withdrawal Option (IDCW) returned 5.46% — lagging the Equity Savings Fund category average of 10.59% by 5.13 pp. It ranked #17 of 45 in its category that year.

SBI Equity Savings Fund - Direct Plan - Quarterly 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 Equity Savings Fund - Direct Plan - Quarterly 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: 7.1%. 5-year CAGR: 8.77%.

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