Should I invest in SBI Fixed Maturity Plan (FMP)-Series 74 (1243 Days)?

We don't give personal investment advice. SBI Fixed Maturity Plan (FMP)-Series 74 (1243 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.

SBI

SBI Fixed Maturity Plan (FMP)-Series 74 (1243 Days)- Direct Plan- Growth

Latest NAV

₹12.6653

As of

29 May 2026

1,090 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	+0.06%	-2.27%	+2.33	31 / 1079	Q1
1W	+0.13%	-2.67%	+2.80	145 / 945	Q1
2W	+0.22%	-2.63%	+2.85	304 / 930	Q2
1M	+0.44%	-2.40%	+2.84	392 / 924	Q2
3M	+1.29%	-1.35%	+2.64	473 / 916	Q3
6M	+2.70%	+0.02%	+2.68	468 / 876	Q3
YTD	+2.16%	-0.17%	+2.32	421 / 880	Q2
1Y	+5.66%	+3.22%	+2.44	486 / 835	Q3
2Y	+7.03%	+4.01%	+3.02	486 / 807	Q3
3Y	+7.03%	+4.45%	+2.59	621 / 800	Q4
4Y	—	—	—	—	—
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.16%	+5.01%	+2.15	771 / 1079	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	+2.16%	+2.71%	-0.56	66 / 91
2025	+7.14%	+6.90%	+0.24	49 / 98
2024	+7.98%	+9.13%	-1.14	52 / 103
2023	+6.84%	+7.13%	-0.29	70 / 89

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

+7.53%

30 windows

min 5.7% · max 8.5%

100% positive

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

3-Year rolling

+7.28%

5 windows

min 7.0% · max 7.6%

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

0.54%

3-year · annualised

Sharpe ratio

0.56

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.14%

Oct 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
HDFC FMP 1269D March 2023 - Growth Option - Direct Plan	HDFC	₹12.6069	17 Jul 2026
Nippon India Fixed Maturity Plan XLI - Series 8 - Direct Plan - Growth Option	Nippon India	₹17.7273	17 Jul 2026
SBI Fixed Maturity Plan (FMP) - Series 1 (3668 Days) - Direct Plan - Growth	SBI	₹17.7027	17 Jul 2026
ICICI Prudential Bond Fund - Direct Plan - Growth	ICICI Prudential	₹44.8881	17 Jul 2026
BANDHAN Fixed Term Plan Series 179 DIRECT PLAN-GROWTH (3652 days)	Bandhan	₹18.0849	17 Jul 2026
Aditya Birla Sun Life Fixed Term Plan - Series TJ (1838 days) - Direct Plan - Growth Option	Aditya Birla Sun Life	₹13.6165	17 Jul 2026
Franklin India Medium to Long Duration Fund - Direct Growth	Franklin India	₹11.2815	17 Jul 2026
Kotak Bond Fund - Growth - Direct	Kotak	₹90.6522	17 Jul 2026
DSP FMP Series - 264 - 60M - 17D - Direct - Growth	DSP	₹13.3392	17 Jul 2026
HSBC Medium to Long Duration Fund - Direct Growth	HSBC	₹48.8567	17 Jul 2026

Recent NAVs

Date	NAV
29 May 2026	₹12.6653
27 May 2026	₹12.6581
26 May 2026	₹12.6563
25 May 2026	₹12.6546
22 May 2026	₹12.6493
21 May 2026	₹12.6475
20 May 2026	₹12.6458
19 May 2026	₹12.6440
18 May 2026	₹12.6423
15 May 2026	₹12.6371

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 29 May 2026, the NAV of SBI Fixed Maturity Plan (FMP)-Series 74 (1243 Days)- Direct Plan- Growth is ₹12.6653. 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 74 (1243 Days)- Direct Plan- Growth has NAV history starting from 10 Jan 2023, a track record of about 3 years 6 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 74 (1243 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 74 (1243 Days)- Direct Plan- Growth has delivered a absolute return of 5.66% — +2.44 pp ahead of the Medium to Long Duration Fund category average of 3.22%. The fund ranks #486 of 835 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Fixed Maturity Plan (FMP)-Series 74 (1243 Days)- Direct Plan- Growth has delivered a CAGR of 7.03% — +2.59 pp ahead of the Medium to Long Duration Fund category average of 4.45%. The fund ranks #621 of 800 in its category — the bottom (Q4) quartile.

SBI Fixed Maturity Plan (FMP)-Series 74 (1243 Days)- Direct 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 74 (1243 Days)- Direct Plan- Growth exactly 3 years ago would be worth approximately ₹122,622 today — a multiplier of 1.23×, based on the 3-year CAGR of 7.03%. The category average over the same window would have grown ₹1 lakh to ₹113,950.

A ₹10,000 monthly SIP in SBI Fixed Maturity Plan (FMP)-Series 74 (1243 Days)- Direct Plan- Growth over the last 3 years — total invested ₹360,000 — would be worth ₹399,317 today. That's an XIRR (money-weighted annualised return) of 6.85%.

SBI Fixed Maturity Plan (FMP)-Series 74 (1243 Days)- Direct 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 ₹399,317 — XIRR 6.85%.

On a 3-year basis, SBI Fixed Maturity Plan (FMP)-Series 74 (1243 Days)- Direct Plan- Growth ranks #621 out of 800 funds in the Medium to Long Duration Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 4.45%; this fund delivered 7.03%.

The worst peak-to-trough decline SBI Fixed Maturity Plan (FMP)-Series 74 (1243 Days)- Direct Plan- Growth has experienced over the last 3-year window is 0.14% — its NAV fell from a high on 15 Oct 2023 to a low on 18 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 74 (1243 Days)- Direct Plan- Growth averaged 7.28% (best 7.59%, worst 7.03%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.56 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Fixed Maturity Plan (FMP)-Series 74 (1243 Days)- Direct Plan- Growth returned 7.14% — beating the Medium to Long Duration Fund category average of 6.90% by 0.24 pp. It ranked #49 of 98 in its category that year.

SBI Fixed Maturity Plan (FMP)-Series 74 (1243 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 74 (1243 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.

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