Should I invest in SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days)?

We don't give personal investment advice. SBI Fixed Maturity Plan (FMP) - Series 34 (3682 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: 3.4%. 5-year CAGR: 6.19%.

SBI

SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Regular Plan - Growth

Latest NAV

₹14.3779

As of

3 Jun 2026

1,927 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	9 / 268	Q1
1W	+0.27%	0.00%	+0.27	3 / 267	Q1
2W	+0.25%	+0.08%	+0.17	55 / 267	Q1
1M	+0.34%	+0.29%	+0.06	130 / 267	Q2
3M	-0.07%	+1.16%	-1.23	254 / 267	Q4
6M	+1.16%	+2.59%	-1.43	225 / 240	Q4
YTD	+1.42%	+2.18%	-0.76	180 / 249	Q3
1Y	+2.95%	+5.87%	-2.92	231 / 236	Q4
2Y	+7.13%	+6.77%	+0.37	104 / 236	Q2
3Y	+7.00%	+6.94%	+0.07	134 / 236	Q3
4Y	+7.65%	+6.93%	+0.72	6 / 42	Q1
5Y	+6.19%	+6.66%	-0.47	12 / 20	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.13%	+6.36%	-0.22	190 / 268	Q3

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	+1.42%	+1.86%	-0.44	50 / 59
2025	+7.72%	+7.20%	+0.52	13 / 60
2024	+9.19%	+7.29%	+1.90	2 / 66
2023	+7.25%	+6.53%	+0.72	6 / 47
2022	+2.86%	+2.01%	+0.85	9 / 71
2021	+4.28%	+3.46%	+0.82	31 / 120
2020	—	—	—	—

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

+6.39%

62 windows

min 0.8% · max 11.8%

100% positive

3-Year rolling

+6.65%

38 windows

min 4.6% · 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

+6.40%

14 windows

min 6.1% · max 7.0%

100% positive

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

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

2.05%

3-year · annualised

Sharpe ratio

0.15

vs risk-free 6.5%

Sortino ratio

0.36

Downside-only deviation

Max drawdown

-1.33%

Mar 2026 → Apr 2026

% positive months

86.1%

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 1 - Regular Plan - Growth Option	Nippon India	₹13.2025	3 Jun 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Regular Plan - Growth	SBI	₹17.1652	3 Jun 2026
BANDHAN Fixed Term Plan Series 179 REGULAR PLAN-GROWTH (3652 days)	Bandhan	₹17.4145	3 Jun 2026
Aditya Birla Sun Life Fixed Term Plan - Series TI (1837 days) - Regular Plan - Growth Option	Aditya Birla Sun Life	₹13.4359	3 Jun 2026
Kotak FMP Series 304-Regular Plan-Growth Option	Kotak	₹12.9404	3 Jun 2026
DSP FMP Series - 264 - 60M - 17D - Regular Plan - Growth	DSP	₹13.1473	3 Jun 2026
UTI Fixed Term Income Fund Series XXXVI - I (1574 Days) - Regular Plan - Growth Option	UTI	₹12.6624	3 Jun 2026
Axis Fixed Maturity Plan - Series 129 (108 Days) - Regular Plan - Growth	Axis	₹10.1904	3 Jun 2026
TRUSTMF FIXED MATURITY PLAN -SERIES II (1196 DAYS)-REGULAR PLAN -GROWTH		₹1,287.3332	3 Jun 2026
Union Fixed Maturity Plan - Series 13 - Regular Plan - Growth Option	Union	₹12.2015	15 Apr 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹14.3779
2 Jun 2026	₹14.3827
1 Jun 2026	₹14.3730
31 May 2026	₹14.3566
29 May 2026	₹14.3541
27 May 2026	₹14.3397
26 May 2026	₹14.3439
25 May 2026	₹14.3438
22 May 2026	₹14.3197
21 May 2026	₹14.3192

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 34 (3682 Days) - Regular Plan - Growth is ₹14.3779. 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 34 (3682 Days) - Regular Plan - Growth has NAV history starting from 12 May 2020, a track record of about 6 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 Fixed Maturity Plan (FMP) - Series 34 (3682 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 34 (3682 Days) - Regular Plan - Growth has delivered a absolute return of 2.95% — -2.92 pp behind the Medium to Long Duration Fund category average of 5.87%. The fund ranks #231 of 236 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Regular Plan - Growth has delivered a CAGR of 7.00% — +0.07 pp ahead of the Medium to Long Duration Fund category average of 6.94%. The fund ranks #134 of 236 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Regular Plan - Growth has delivered a CAGR of 6.19% — -0.47 pp behind the Medium to Long Duration Fund category average of 6.66%. The fund ranks #12 of 20 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Regular Plan - Growth exactly 5 years ago would be worth approximately ₹135,049 today — a multiplier of 1.35×, based on the 5-year CAGR of 6.19%. The category average over the same window would have grown ₹1 lakh to ₹138,047.

A ₹10,000 monthly SIP in SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹712,047 today. That's an XIRR (money-weighted annualised return) of 6.78%.

SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Regular Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹712,047 — XIRR 6.78%.

On a 5-year basis, SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Regular Plan - Growth ranks #12 out of 20 funds in the Medium to Long Duration Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 6.66%; this fund delivered 6.19%.

The worst peak-to-trough decline SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Regular Plan - Growth has experienced over the last 5-year window is 3.38% — 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 34 (3682 Days) - Regular Plan - Growth averaged 6.40% (best 7.04%, worst 6.06%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.16 — negative risk-adjusted performance.

In calendar year 2025, SBI Fixed Maturity Plan (FMP) - Series 34 (3682 Days) - Regular Plan - Growth returned 7.72% — beating the Medium to Long Duration Fund category average of 7.20% by 0.52 pp. It ranked #13 of 60 in its category that year.

SBI Fixed Maturity Plan (FMP) - Series 34 (3682 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 34 (3682 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: 3.4%. 5-year CAGR: 6.19%.

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 34 (3682 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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