Should I invest in SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days)?

We don't give personal investment advice. SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.6%. 5-year CAGR: 6.68%.

SBI

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth

Latest NAV

₹17.3852

As of

3 Jun 2026

2,269 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	+0.07%	-2.27%	+2.34	29 / 1079	Q1
1W	+0.23%	-2.66%	+2.90	31 / 945	Q1
2W	+0.26%	-2.62%	+2.88	152 / 930	Q1
1M	+0.31%	-2.43%	+2.73	543 / 924	Q3
3M	+0.23%	-1.42%	+1.65	825 / 916	Q4
6M	+1.70%	-0.05%	+1.76	739 / 876	Q4
YTD	+1.32%	-0.27%	+1.59	637 / 880	Q3
1Y	+3.82%	+3.14%	+0.67	750 / 835	Q4
2Y	+7.53%	+4.08%	+3.46	326 / 807	Q2
3Y	+7.35%	+4.43%	+2.92	516 / 800	Q3
4Y	+7.91%	+7.85%	+0.06	76 / 164	Q2
5Y	+6.68%	+7.36%	-0.69	34 / 77	Q2
7Y	+7.68%	+6.45%	+1.23	5 / 39	Q1
10Y	—	—	—	—	—
Inception	+8.08%	+5.01%	+3.07	487 / 1079	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	+1.32%	+1.71%	-0.39	71 / 91
2025	+8.47%	+6.90%	+1.57	5 / 98
2024	+9.20%	+9.13%	+0.07	15 / 103
2023	+7.88%	+7.13%	+0.74	8 / 89
2022	+3.57%	-1.01%	+4.58	41 / 220
2021	+4.42%	-0.37%	+4.79	72 / 366
2020	+11.39%	+6.75%	+4.64	24 / 486
2019	—	—	—	—

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

+7.66%

76 windows

min 1.8% · max 16.4%

100% positive

3-Year rolling

+6.94%

51 windows

min 5.1% · max 9.5%

100% positive

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

5-Year rolling

+7.12%

27 windows

min 6.6% · max 8.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+7.98%

3 windows

min 7.7% · max 8.1%

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

1.70%

3-year · annualised

Sharpe ratio

0.37

vs risk-free 6.5%

Sortino ratio

1.17

Downside-only deviation

Max drawdown

-0.86%

Aug 2025 → Aug 2025

% positive months

88.9%

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 Medium to Long Duration Fund

Scheme	Fund house	NAV	As of
HDFC FMP 1269D March 2023 - Growth Option - Direct Plan	HDFC	₹12.5263	3 Jun 2026
Nippon India Fixed Maturity Plan - XLIII - Series 1- Direct Plan - Growth Option	Nippon India	₹13.3582	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Direct Plan - Growth	SBI	₹14.5767	3 Jun 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹43.7788	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹17.7320	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.5023	3 Jun 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.0072	3 Jun 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹88.1692	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.2410	3 Jun 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹47.7483	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.3852
2 Jun 2026	₹17.3902
1 Jun 2026	₹17.3778
31 May 2026	₹17.3697
29 May 2026	₹17.3665
27 May 2026	₹17.3668
26 May 2026	₹17.3498
25 May 2026	₹17.3450
22 May 2026	₹17.3027
21 May 2026	₹17.2913

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 Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth is ₹17.3852. It's a Medium to Long Duration Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth has NAV history starting from 04 Apr 2019, a track record of about 7 years 2 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 Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth is managed by SBI. It's classified by AMFI under the 'Medium to Long Duration Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth has delivered a absolute return of 3.82% — +0.67 pp ahead of the Medium to Long Duration Fund category average of 3.14%. The fund ranks #750 of 835 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth has delivered a CAGR of 7.35% — +2.92 pp ahead of the Medium to Long Duration Fund category average of 4.43%. The fund ranks #516 of 800 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth has delivered a CAGR of 6.68% — -0.69 pp behind the Medium to Long Duration Fund category average of 7.36%. The fund ranks #34 of 77 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth exactly 5 years ago would be worth approximately ₹138,148 today — a multiplier of 1.38×, based on the 5-year CAGR of 6.68%. The category average over the same window would have grown ₹1 lakh to ₹142,653.

A ₹10,000 monthly SIP in SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹718,681 today. That's an XIRR (money-weighted annualised return) of 7.15%.

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,078,171 — XIRR 7.02%.

On a 5-year basis, SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth ranks #34 out of 77 funds in the Medium to Long Duration Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 7.36%; this fund delivered 6.68%.

The worst peak-to-trough decline SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth has experienced over the last 5-year window is 2.59% — its NAV fell from a high on 19 Dec 2021 to a low on 14 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 Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth averaged 7.12% (best 8.33%, worst 6.56%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.01 — weak risk-adjusted performance.

In calendar year 2025, SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth returned 8.47% — beating the Medium to Long Duration Fund category average of 6.90% by 1.57 pp. It ranked #5 of 98 in its category that year.

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 2.6%. 5-year CAGR: 6.68%.

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

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Medium to Long Duration Fund

Recent NAVs

Frequently asked questions

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