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

We don't give personal investment advice. SBI Focused Fund - Regular 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: 23.0%. 5-year CAGR: 12.51%.

SBI

SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹71.0702

As of

24 Jul 2026

4,986 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	-0.11%	-0.19%	+0.08	5 / 17	Q2
1W	-1.34%	-2.15%	+0.81	2 / 17	Q1
2W	-0.99%	-1.98%	+0.99	1 / 17	Q1
1M	+0.84%	-0.56%	+1.40	2 / 17	Q1
3M	+1.90%	+2.49%	-0.59	10 / 17	Q3
6M	+5.30%	+1.65%	+3.65	3 / 17	Q1
YTD	+1.73%	-3.55%	+5.27	4 / 17	Q1
1Y	+9.76%	-1.54%	+11.30	2 / 17	Q1
2Y	+9.35%	-0.21%	+9.56	1 / 17	Q1
3Y	+14.72%	+9.82%	+4.90	2 / 17	Q1
4Y	+15.36%	+11.44%	+3.92	2 / 17	Q1
5Y	+12.51%	+9.99%	+2.52	4 / 16	Q1
7Y	+15.70%	+12.31%	+3.40	5 / 16	Q2
10Y	+12.04%	+9.83%	+2.22	8 / 16	Q2
Inception	+7.18%	+8.22%	-1.04	10 / 17	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	+1.73%	-3.55%	+5.27	4 / 17
2025	+15.21%	+3.05%	+12.16	2 / 17
2024	+17.33%	+16.43%	+0.91	8 / 17
2023	+21.79%	+23.77%	-1.98	12 / 17
2022	-8.49%	+2.25%	-10.74	16 / 17
2021	+42.42%	+29.90%	+12.53	1 / 16
2020	+14.56%	+10.37%	+4.20	7 / 16
2019	+15.67%	+6.11%	+9.56	2 / 16
2018	-13.69%	-12.13%	-1.56	9 / 16
2017	+31.05%	+33.15%	-2.10	9 / 16
2016	-8.06%	-0.16%	-7.91	15 / 16

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

+11.62%

236 windows

min -73.7% · max 123.8%

68% positive

3-Year rolling

+8.43%

211 windows

min -19.2% · max 38.8%

82% positive

5-Year rolling

+8.41%

187 windows

min -9.2% · max 22.7%

87% positive

7-Year rolling

+8.05%

163 windows

min -4.6% · max 17.9%

88% 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

10.55%

3-year · annualised

Sharpe ratio

0.75

vs risk-free 6.5%

Sortino ratio

1.29

Downside-only deviation

Max drawdown

-13.02%

Jan 2026 → Mar 2026

% positive months

75.0%

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 Focused Fund

Scheme	Fund house	NAV	As of
HDFC Focused Fund - GROWTH PLAN	HDFC	₹229.8100	24 Jul 2026
SBI FOCUSED FUND - REGULAR PLAN -GROWTH	SBI	₹388.5556	24 Jul 2026
Franklin India Focused Equity Fund - Growth Plan	Franklin Templeton	₹99.5472	24 Jul 2026
Aditya Birla Sun Life Focused Fund -Growth Option	Birla Sun Life	₹144.4529	24 Jul 2026
Bandhan Focused Fund - Regular Plan - Growth	IDFC	₹86.5290	24 Jul 2026
JM Focused Fund (Regular) - Growth Option	JM Financial	₹19.6755	24 Jul 2026
NIPPON INDIA FOCUSED FUND - IDCW OPTION	Reliance	₹31.9967	24 Jul 2026
quant Focused Fund - Growth Option - Regular Plan	Escorts	₹91.6024	24 Jul 2026
Sundaram Focused Fund (Formerly Known as Principal Focused Multicap Fund)-Growth Option	Sundaram	₹160.7671	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹71.0702
23 Jul 2026	₹71.1465
22 Jul 2026	₹72.2105
21 Jul 2026	₹72.9955
20 Jul 2026	₹72.6464
17 Jul 2026	₹72.0370
16 Jul 2026	₹71.6014
15 Jul 2026	₹71.8649
14 Jul 2026	₹71.6476
13 Jul 2026	₹71.6031

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 24 Jul 2026, the NAV of SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹71.0702. It's a Focused Fund from SBI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'Focused Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 9.76% — +11.3 pp ahead of the Focused Fund category average of -1.54%. The fund ranks #2 of 17 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 14.72% — +4.9 pp ahead of the Focused Fund category average of 9.82%. The fund ranks #2 of 17 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 12.51% — +2.52 pp ahead of the Focused Fund category average of 9.99%. The fund ranks #4 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹311,760 today — a multiplier of 3.12×, based on the 10-year CAGR of 12.04%. The category average over the same window would have grown ₹1 lakh to ₹255,326.

A ₹10,000 monthly SIP in SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹841,558 today. That's an XIRR (money-weighted annualised return) of 13.49%.

A ₹10,000 monthly SIP for 10 years in SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹2,514,462 (multiplier 2.10×). XIRR: 14.16%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #4 out of 16 funds in the Focused Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 9.99%; this fund delivered 12.51%.

The worst peak-to-trough decline SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 22.95% — its NAV fell from a high on 15 Nov 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 Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 8.41% (best 22.67%, worst -9.21%). 87% of rolling windows ended positive. The 5-year Sharpe ratio is 0.51 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Focused Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 15.21% — beating the Focused Fund category average of 3.05% by 12.16 pp. It ranked #2 of 17 in its category that year.

SBI Focused Fund - Regular 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 Focused Fund - Regular 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: 23.0%. 5-year CAGR: 12.51%.

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