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) - Regular 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: 2.7%. 5-year CAGR: 6.93%.

SBI

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

Latest NAV

₹17.4778

As of

17 Jul 2026

2,300 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%	-0.06%	+0.13	8 / 268	Q1
1W	+0.10%	-0.01%	+0.11	79 / 267	Q2
2W	+0.30%	+0.08%	+0.21	12 / 267	Q1
1M	+0.66%	+0.31%	+0.35	18 / 267	Q1
3M	+2.23%	+1.23%	+1.00	17 / 267	Q1
6M	+3.11%	+2.66%	+0.45	61 / 240	Q2
YTD	+3.11%	+2.32%	+0.78	52 / 249	Q1
1Y	+5.34%	+5.93%	-0.60	145 / 236	Q3
2Y	+7.76%	+6.76%	+1.00	38 / 236	Q1
3Y	+7.71%	+6.97%	+0.74	59 / 236	Q1
4Y	+7.92%	+6.86%	+1.06	4 / 43	Q1
5Y	+6.93%	+6.61%	+0.32	6 / 24	Q1
7Y	+7.00%	+6.91%	+0.09	1 / 3	Q2
10Y	—	—	—	—	—
Inception	+8.01%	+6.37%	+1.65	36 / 268	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	+3.11%	+2.47%	+0.64	12 / 59
2025	+8.39%	+7.20%	+1.20	2 / 60
2024	+9.13%	+7.29%	+1.84	4 / 66
2023	+7.68%	+6.53%	+1.15	2 / 47
2022	+3.31%	+2.01%	+1.30	4 / 71
2021	+4.16%	+3.46%	+0.70	36 / 120
2020	+11.12%	+7.10%	+4.02	5 / 158
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

+7.39%

77 windows

min 1.1% · max 16.2%

100% positive

3-Year rolling

+6.75%

53 windows

min 4.7% · max 9.0%

100% positive

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

5-Year rolling

+6.95%

29 windows

min 6.5% · max 8.1%

100% positive

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

7-Year rolling

+7.53%

4 windows

min 7.0% · max 8.0%

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

1.69%

3-year · annualised

Sharpe ratio

0.57

vs risk-free 6.5%

Sortino ratio

—

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
Nippon India Fixed Maturity Plan-XLIII-Series 5- Regular Plan-Growth Option	Nippon India	₹13.3689	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Regular Plan - Growth	SBI	₹14.6537	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN-GROWTH (3652 days)	Bandhan	₹17.7557	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Regular Plan - Growth Option	Aditya Birla Sun Life	₹13.5537	17 Jul 2026
Kotak FMP Series 304-Regular Plan-Growth Option	Kotak	₹13.2821	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Regular Plan - Growth	DSP	₹13.2422	17 Jul 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Growth Option	UTI	₹12.7817	17 Jul 2026
Axis Fixed Term Plan - Series 113 (1228 Days) - Regular Plan - Growth	Axis	₹12.5758	17 Jul 2026
TRUSTMF FIXED MATURITY PLAN -SERIES II (1196 DAYS)-REGULAR PLAN -GROWTH		₹1,294.2584	9 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹17.4778
16 Jul 2026	₹17.4654
15 Jul 2026	₹17.4596
14 Jul 2026	₹17.4506
13 Jul 2026	₹17.4634
10 Jul 2026	₹17.4605
9 Jul 2026	₹17.4327
8 Jul 2026	₹17.4399
7 Jul 2026	₹17.4484
6 Jul 2026	₹17.4448

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 Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth is ₹17.4778. It's a Medium to Long Duration Fund from SBI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth has NAV history starting from 04 Apr 2019, a track record of about 7 years 3 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) - Regular 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) - Regular Plan - Growth has delivered a absolute return of 5.34% — -0.6 pp behind the Medium to Long Duration Fund category average of 5.93%. The fund ranks #145 of 236 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth has delivered a CAGR of 7.71% — +0.74 pp ahead of the Medium to Long Duration Fund category average of 6.97%. The fund ranks #59 of 236 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth has delivered a CAGR of 6.93% — +0.32 pp ahead of the Medium to Long Duration Fund category average of 6.61%. The fund ranks #6 of 24 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth exactly 5 years ago would be worth approximately ₹139,792 today — a multiplier of 1.40×, based on the 5-year CAGR of 6.93%. The category average over the same window would have grown ₹1 lakh to ₹137,711.

A ₹10,000 monthly SIP in SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹723,733 today. That's an XIRR (money-weighted annualised return) of 7.43%.

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular 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 ₹1,081,747 — XIRR 7.11%.

On a 5-year basis, SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth ranks #6 out of 24 funds in the Medium to Long Duration Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.61%; this fund delivered 6.93%.

The worst peak-to-trough decline SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth has experienced over the last 5-year window is 2.71% — 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) - Regular Plan - Growth averaged 6.95% (best 8.05%, worst 6.54%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.11 — weak risk-adjusted performance.

In calendar year 2025, SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth returned 8.39% — beating the Medium to Long Duration Fund category average of 7.20% by 1.20 pp. It ranked #2 of 60 in its category that year.

SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular 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) - Regular 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: 2.7%. 5-year CAGR: 6.93%.

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) - Regular 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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