Should I invest in SBI Floating Rate Debt Fund?

We don't give personal investment advice. SBI Floating Rate Debt Fund - 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: 0.6%. 5-year CAGR: 6.33%.

SBI

SBI Floating Rate Debt Fund - Regular Plan - Growth

Latest NAV

₹13.9666

As of

3 Jun 2026

1,356 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	-0.04%	+0.03%	-0.06	8 / 8	Q4
1W	-0.05%	+0.17%	-0.22	8 / 8	Q4
2W	-0.10%	+0.20%	-0.30	8 / 8	Q4
1M	-0.03%	+0.13%	-0.16	7 / 8	Q4
3M	+0.98%	+0.76%	+0.22	2 / 8	Q1
6M	+2.44%	+2.00%	+0.44	1 / 8	Q1
YTD	+2.27%	+1.69%	+0.58	1 / 8	Q1
1Y	+5.07%	+4.63%	+0.44	2 / 8	Q1
2Y	+6.89%	+6.95%	-0.06	6 / 8	Q3
3Y	+7.33%	+7.13%	+0.19	3 / 8	Q2
4Y	+7.08%	+6.95%	+0.12	4 / 8	Q2
5Y	+6.33%	+6.12%	+0.21	2 / 8	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+6.13%	+6.41%	-0.28	5 / 8	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	+2.27%	+1.69%	+0.58	1 / 8
2025	+6.89%	+7.51%	-0.62	8 / 8
2024	+8.12%	+8.15%	-0.03	3 / 8
2023	+7.54%	+7.24%	+0.31	2 / 8
2022	+4.32%	+4.02%	+0.31	4 / 8
2021	+3.40%	+3.57%	-0.17	3 / 4
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

+6.42%

56 windows

min 3.0% · max 8.9%

100% positive

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

3-Year rolling

+6.77%

32 windows

min 5.1% · max 7.8%

100% positive

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

5-Year rolling

+6.26%

8 windows

min 6.1% · max 6.4%

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

0.78%

3-year · annualised

Sharpe ratio

0.76

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-0.58%

Mar 2026 → Mar 2026

% 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 Floater Fund

Scheme	Fund house	NAV	As of
BANDHAN FLOATER FUND - REGULAR PLAN GROWTH	Bandhan	₹13.4885	3 Jun 2026
Aditya Birla Sun Life Floating Rate Fund-Regular Plan-Growth	Aditya Birla Sun Life	₹366.0242	3 Jun 2026
KOTAK FLOATING RATE FUND-REGULAR PLAN-GROWTH OPTION	Kotak	₹1,584.3665	3 Jun 2026
DSP Floater Fund - Regular Plan - Growth	DSP	₹13.7638	3 Jun 2026
UTI - Floater Fund - Regular Plan - Growth Option	UTI	₹1,569.6269	3 Jun 2026
Axis Floater Fund - Regular Plan - Growth	Axis	₹1,358.5549	3 Jun 2026
Tata Floating Rate Fund-Regular Plan-Growth	Tata	₹13.3713	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹13.9666
2 Jun 2026	₹13.9628
1 Jun 2026	₹13.9678
31 May 2026	₹13.9593
29 May 2026	₹13.9568
27 May 2026	₹13.9480
26 May 2026	₹13.9698
25 May 2026	₹13.9675
22 May 2026	₹13.9691
21 May 2026	₹13.9673

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 Floating Rate Debt Fund - Regular Plan - Growth is ₹13.9666. It's a Floater Fund from SBI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Floating Rate Debt Fund - Regular Plan - Growth has NAV history starting from 04 Nov 2020, a track record of about 5 years 6 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 Floating Rate Debt Fund - Regular Plan - Growth is managed by SBI. It's classified by AMFI under the 'Floater Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Floating Rate Debt Fund - Regular Plan - Growth has delivered a absolute return of 5.07% — +0.44 pp ahead of the Floater Fund category average of 4.63%. The fund ranks #2 of 8 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI Floating Rate Debt Fund - Regular Plan - Growth has delivered a CAGR of 7.33% — +0.19 pp ahead of the Floater Fund category average of 7.13%. The fund ranks #3 of 8 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Floating Rate Debt Fund - Regular Plan - Growth has delivered a CAGR of 6.33% — +0.21 pp ahead of the Floater Fund category average of 6.12%. The fund ranks #2 of 8 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Floating Rate Debt Fund - Regular Plan - Growth exactly 5 years ago would be worth approximately ₹135,912 today — a multiplier of 1.36×, based on the 5-year CAGR of 6.33%. The category average over the same window would have grown ₹1 lakh to ₹134,584.

A ₹10,000 monthly SIP in SBI Floating Rate Debt Fund - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹712,399 today. That's an XIRR (money-weighted annualised return) of 6.80%.

SBI Floating Rate Debt Fund - 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 ₹712,399 — XIRR 6.80%.

On a 5-year basis, SBI Floating Rate Debt Fund - Regular Plan - Growth ranks #2 out of 8 funds in the Floater Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 6.12%; this fund delivered 6.33%.

The worst peak-to-trough decline SBI Floating Rate Debt Fund - Regular Plan - Growth has experienced over the last 5-year window is 0.58% — its NAV fell from a high on 16 Mar 2026 to a low on 25 Mar 2026. 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 Floating Rate Debt Fund - Regular Plan - Growth averaged 6.26% (best 6.41%, worst 6.05%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.37 — negative risk-adjusted performance.

In calendar year 2025, SBI Floating Rate Debt Fund - Regular Plan - Growth returned 6.89% — lagging the Floater Fund category average of 7.51% by 0.62 pp. It ranked #8 of 8 in its category that year.

SBI Floating Rate Debt Fund - 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 Floating Rate Debt Fund - 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: 0.6%. 5-year CAGR: 6.33%.

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

SBI Floating Rate Debt Fund - Regular Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Floater Fund

Recent NAVs

Frequently asked questions

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