Should I invest in SBI Flexicap Fund - Income Distribution cum Capital Withdrawal Option (IDCW)?

We don't give personal investment advice. SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.6%. 5-year CAGR: 9.87%.

SBI

SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹58.6919

As of

2 Jun 2026

3,301 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	-0.20%	-0.75%	+0.56	97 / 105	Q4
1W	-1.67%	-1.81%	+0.14	75 / 104	Q3
2W	-0.03%	-1.11%	+1.08	52 / 104	Q2
1M	-1.37%	-1.16%	-0.20	74 / 104	Q3
3M	-3.70%	+1.00%	-4.70	82 / 103	Q4
6M	-6.99%	+1.92%	-8.90	78 / 100	Q4
YTD	-7.68%	-1.23%	-6.44	75 / 98	Q4
1Y	-0.32%	+9.43%	-9.75	57 / 88	Q3
2Y	+1.77%	+5.85%	-4.08	53 / 82	Q3
3Y	+9.97%	+10.05%	-0.08	40 / 71	Q3
4Y	+10.92%	+9.63%	+1.29	20 / 39	Q3
5Y	+9.87%	+8.82%	+1.05	16 / 34	Q2
7Y	+11.81%	+10.71%	+1.10	12 / 27	Q2
10Y	+9.57%	+8.89%	+0.68	6 / 17	Q2
Inception	+11.02%	+8.04%	+2.97	37 / 105	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	-7.68%	-6.20%	-1.47	31 / 46
2025	+5.68%	+1.97%	+3.72	13 / 43
2024	+15.04%	+18.83%	-3.79	26 / 42
2023	+23.48%	+26.32%	-2.84	26 / 36
2022	+1.60%	-2.27%	+3.87	15 / 36
2021	+31.39%	+23.11%	+8.27	15 / 50
2020	+14.58%	+11.58%	+3.00	15 / 56
2019	+11.72%	+5.80%	+5.92	14 / 68
2018	-12.17%	-11.53%	-0.64	20 / 33
2017	+24.23%	+29.49%	-5.25	21 / 30
2016	-3.46%	-0.10%	-3.37	24 / 30

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

+14.73%

152 windows

min -26.8% · max 77.8%

74% positive

3-Year rolling

+11.45%

127 windows

min -9.5% · max 29.0%

87% positive

5-Year rolling

+10.82%

103 windows

min -5.8% · max 22.8%

95% positive

7-Year rolling

+10.41%

79 windows

min 5.2% · max 15.6%

100% positive

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

12.20%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.44

Downside-only deviation

Max drawdown

-16.03%

Sep 2024 → Mar 2025

% positive months

77.8%

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 Flexi Cap Fund

Scheme	Fund house	NAV	As of
HDFC Flexi Cap Fund - IDCW Option - Direct Plan	HDFC	₹85.5390	3 Jun 2026
Nippon India Flexi Cap Fund - Direct Plan - IDCW Option	Nippon India	₹17.0211	3 Jun 2026
ICICI Prudential Flexicap Fund - Direct Plan - IDCW	ICICI Prudential	₹16.7500	3 Jun 2026
Invesco India Flexi Cap Fund - Direct Plan - IDCW	Invesco	₹17.0200	3 Jun 2026
BANDHAN Flexi Cap Fund-Direct Plan-IDCW	Bandhan	₹49.6510	3 Jun 2026
quant Flexi Cap Fund - IDCW Option - Direct Plan	Quant	₹80.8500	3 Jun 2026
Aditya Birla Sun Life Flexi Cap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹224.7300	3 Jun 2026
Motilal Oswal Flexi Cap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹31.2807	3 Jun 2026
Franklin India Flexi Cap Fund - Direct - IDCW	Franklin India	₹66.6106	3 Jun 2026
Mirae Asset Flexi Cap Fund - Direct Plan - IDCW	Mirae Asset	₹16.1740	3 Jun 2026

Recent NAVs

Date	NAV
2 Jun 2026	₹58.6919
1 Jun 2026	₹58.8071
31 May 2026	₹59.2539
27 May 2026	₹59.9176
26 May 2026	₹59.6897
25 May 2026	₹59.7074
22 May 2026	₹59.1033
21 May 2026	₹58.9542
20 May 2026	₹58.8850
19 May 2026	₹58.7102

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 02 Jun 2026, the NAV of SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹58.6919. It's a Flexi Cap Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 08 Jan 2013, a track record of about 13 years 4 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 Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'Flexi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of -0.32% — -9.75 pp behind the Flexi Cap Fund category average of 9.43%. The fund ranks #57 of 88 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 9.97% — -0.08 pp behind the Flexi Cap Fund category average of 10.05%. The fund ranks #40 of 71 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 9.87% — +1.05 pp ahead of the Flexi Cap Fund category average of 8.82%. The fund ranks #16 of 34 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹249,484 today — a multiplier of 2.49×, based on the 10-year CAGR of 9.57%. The category average over the same window would have grown ₹1 lakh to ₹234,455.

A ₹10,000 monthly SIP in SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹728,143 today. That's an XIRR (money-weighted annualised return) of 7.67%.

A ₹10,000 monthly SIP for 10 years in SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹2,093,785 (multiplier 1.74×). XIRR: 10.72%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #16 out of 34 funds in the Flexi Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.82%; this fund delivered 9.87%.

The worst peak-to-trough decline SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 16.60% — its NAV fell from a high on 18 Oct 2021 to a low on 20 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 Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 10.82% (best 22.78%, worst -5.81%). 95% of rolling windows ended positive. The 5-year Sharpe ratio is 0.31 — weak risk-adjusted performance.

In calendar year 2025, SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 5.68% — beating the Flexi Cap Fund category average of 1.97% by 3.72 pp. It ranked #13 of 43 in its category that year.

SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. SBI Flexicap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.6%. 5-year CAGR: 9.87%.

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