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

We don't give personal investment advice. SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.7%. 5-year CAGR: 24.98%.

SBI

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

Latest NAV

₹47.1093

As of

3 Jun 2026

3,249 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	+0.97%	+0.31%	+0.66	8 / 125	Q1
1W	-0.60%	-4.51%	+3.90	62 / 130	Q2
2W	-1.46%	-4.01%	+2.54	106 / 130	Q4
1M	+5.05%	-2.34%	+7.39	22 / 130	Q1
3M	-7.04%	-4.98%	-2.05	104 / 127	Q4
6M	+21.76%	+2.60%	+19.16	18 / 119	Q1
YTD	+16.55%	-1.18%	+17.73	10 / 120	Q1
1Y	+59.94%	+20.16%	+39.79	14 / 107	Q1
2Y	+45.67%	+10.05%	+35.62	12 / 83	Q1
3Y	+35.77%	+8.02%	+27.74	9 / 73	Q1
4Y	+30.77%	+5.01%	+25.76	5 / 67	Q1
5Y	+24.98%	0.00%	+24.98	1 / 54	Q1
7Y	+24.17%	-3.10%	+27.26	1 / 38	Q1
10Y	+17.35%	-6.04%	+23.39	2 / 34	Q1
Inception	+11.71%	+10.64%	+1.07	42 / 130	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	+16.55%	+3.12%	+13.42	10 / 114
2025	+71.05%	+30.86%	+40.19	14 / 83
2024	+19.32%	+13.06%	+6.26	8 / 69
2023	+14.21%	+14.87%	-0.66	29 / 68
2022	+13.01%	-5.59%	+18.60	4 / 59
2021	-5.12%	+10.93%	-16.06	47 / 51
2020	+27.68%	+10.64%	+17.04	3 / 39
2019	+23.37%	+9.45%	+13.92	3 / 34
2018	+6.12%	+1.74%	+4.38	12 / 35
2017	+4.62%	+9.33%	-4.70	21 / 32
2016	+10.49%	+7.23%	+3.26	11 / 31

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

+12.90%

152 windows

min -16.6% · max 85.1%

72% positive

3-Year rolling

+10.86%

127 windows

min -6.4% · max 41.1%

88% positive

5-Year rolling

+10.54%

103 windows

min -1.8% · max 28.3%

92% positive

7-Year rolling

+11.18%

79 windows

min 3.0% · max 24.9%

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

17.39%

3-year · annualised

Sharpe ratio

1.49

vs risk-free 6.5%

Sortino ratio

3.00

Downside-only deviation

Max drawdown

-24.71%

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 Fund of Funds - Domestic

Scheme	Fund house	NAV	As of
HDFC Gold ETF Fund of Fund - Direct Plan	HDFC	₹48.1706	3 Jun 2026
NIPPON INDIA GOLD SAVINGS FUND - Direct Plan - IDCW Option	Nippon India	₹61.5187	3 Jun 2026
ICICI Prudential Gold ETF FOF - Direct Plan - IDCW	ICICI Prudential	₹49.3652	3 Jun 2026
Invesco India Gold ETF Fund of Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹44.6644	3 Jun 2026
Aditya Birla Sun Life Gold Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹46.6049	3 Jun 2026
Motilal Oswal Gold and Silver Passive Fund of Funds(Direct Plan)	Motilal Oswal	₹32.6025	3 Jun 2026
Mirae Asset Gold ETF Fund of Fund - Direct Plan - IDCW	Mirae Asset	₹19.4690	3 Jun 2026
Kotak Gold Fund Payout of Income Distribution cum capital withdrawal option- Direct	Kotak	₹62.3047	3 Jun 2026
Edelweiss Gold and Silver ETF FOF - Direct Plan - IDCW	Edelweiss	₹37.0430	2 Jun 2026
DSP Gold ETF Fund of Fund - Direct - IDCW	DSP	₹24.3089	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹47.1093
2 Jun 2026	₹47.4925
1 Jun 2026	₹47.0347
31 May 2026	₹47.4645
29 May 2026	₹47.4651
27 May 2026	₹47.5838
26 May 2026	₹47.7809
25 May 2026	₹48.1643
22 May 2026	₹48.1437
21 May 2026	₹48.2586

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 Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹47.1093. It's a Fund of Funds - Domestic from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'Fund of Funds - Domestic' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 59.94% — +39.79 pp ahead of the Fund of Funds - Domestic category average of 20.16%. The fund ranks #14 of 107 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 35.77% — +27.74 pp ahead of the Fund of Funds - Domestic category average of 8.02%. The fund ranks #9 of 73 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 24.98% — +24.98 pp ahead of the Fund of Funds - Domestic category average of 0.00%. The fund ranks #1 of 54 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹495,152 today — a multiplier of 4.95×, based on the 10-year CAGR of 17.35%. The category average over the same window would have grown ₹1 lakh to ₹53,633.

A ₹10,000 monthly SIP in SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹1,385,848 today. That's an XIRR (money-weighted annualised return) of 34.23%.

A ₹10,000 monthly SIP for 10 years in SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹3,943,060 (multiplier 3.29×). XIRR: 22.50%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #1 out of 54 funds in the Fund of Funds - Domestic category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is -0.00%; this fund delivered 24.98%.

The worst peak-to-trough decline SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 24.71% — its NAV fell from a high on 29 Jan 2026 to a low on 23 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 Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 10.54% (best 28.27%, worst -1.75%). 92% of rolling windows ended positive. The 5-year Sharpe ratio is 1.12 — strong risk-adjusted performance.

In calendar year 2025, SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 71.05% — beating the Fund of Funds - Domestic category average of 30.86% by 40.19 pp. It ranked #14 of 83 in its category that year.

SBI Gold Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

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

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 24.7%. 5-year CAGR: 24.98%.

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