Should I invest in SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days)?

We don't give personal investment advice. SBI Fixed Maturity Plan (FMP) - Series 59 (1618 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.

SBI

SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth

Latest NAV

₹12.9510

As of

6 Jul 2026

1,404 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	+0.00%	-0.06%	+0.06	238 / 268	Q4
1W	+0.09%	-0.01%	+0.10	97 / 267	Q2
2W	+0.19%	+0.08%	+0.10	113 / 267	Q2
1M	+0.41%	+0.31%	+0.10	125 / 267	Q2
3M	+1.25%	+1.23%	+0.02	136 / 267	Q3
6M	+2.53%	+2.66%	-0.13	128 / 240	Q3
YTD	+2.60%	+2.32%	+0.27	86 / 249	Q2
1Y	+5.24%	+5.93%	-0.70	147 / 236	Q3
2Y	+6.70%	+6.76%	-0.06	152 / 236	Q3
3Y	+6.83%	+6.97%	-0.13	172 / 236	Q3
4Y	+6.83%	+6.86%	-0.03	33 / 43	Q4
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+5.82%	+6.37%	-0.54	206 / 268	Q4

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	+2.60%	+2.47%	+0.13	32 / 59
2025	+6.97%	+7.20%	-0.23	36 / 60
2024	+7.54%	+7.29%	+0.25	46 / 66
2023	+7.12%	+6.53%	+0.59	13 / 47
2022	—	—	—	—

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

+6.80%

42 windows

min 1.3% · max 8.4%

100% positive

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

3-Year rolling

+6.97%

18 windows

min 5.3% · max 7.7%

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

0.64%

3-year · annualised

Sharpe ratio

0.20

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.27%

Sep 2023 → Oct 2023

% positive months

100.0%

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 1 (3668 Days) - Regular Plan - Growth	SBI	₹17.4778	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
6 Jul 2026	₹12.9510
3 Jul 2026	₹12.9460
2 Jul 2026	₹12.9444
1 Jul 2026	₹12.9425
30 Jun 2026	₹12.9408
29 Jun 2026	₹12.9390
25 Jun 2026	₹12.9322
24 Jun 2026	₹12.9304
23 Jun 2026	₹12.9287
22 Jun 2026	₹12.9270

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 06 Jul 2026, the NAV of SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth is ₹12.9510. 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 59 (1618 Days) - Regular Plan - Growth has NAV history starting from 08 Feb 2022, a track record of about 4 years 5 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 Fixed Maturity Plan (FMP) - Series 59 (1618 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 59 (1618 Days) - Regular Plan - Growth has delivered a absolute return of 5.24% — -0.7 pp behind the Medium to Long Duration Fund category average of 5.93%. The fund ranks #147 of 236 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth has delivered a CAGR of 6.83% — -0.13 pp behind the Medium to Long Duration Fund category average of 6.97%. The fund ranks #172 of 236 in its category — the third (Q3) quartile.

SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth 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 Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth exactly 3 years ago would be worth approximately ₹121,938 today — a multiplier of 1.22×, based on the 3-year CAGR of 6.83%. The category average over the same window would have grown ₹1 lakh to ₹122,385.

A ₹10,000 monthly SIP in SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth over the last 3 years — total invested ₹360,000 — would be worth ₹397,335 today. That's an XIRR (money-weighted annualised return) of 6.51%.

SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹397,335 — XIRR 6.51%.

On a 3-year basis, SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth ranks #172 out of 236 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 6.97%; this fund delivered 6.83%.

The worst peak-to-trough decline SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth has experienced over the last 3-year window is 0.27% — its NAV fell from a high on 25 Sep 2023 to a low on 06 Oct 2023. 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 Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth averaged 6.97% (best 7.73%, worst 5.31%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.20 — weak risk-adjusted performance.

In calendar year 2025, SBI Fixed Maturity Plan (FMP) - Series 59 (1618 Days) - Regular Plan - Growth returned 6.97% — lagging the Medium to Long Duration Fund category average of 7.20% by 0.23 pp. It ranked #36 of 60 in its category that year.

SBI Fixed Maturity Plan (FMP) - Series 59 (1618 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 59 (1618 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.

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