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

We don't give personal investment advice. SBI Gold Fund - Regular 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: 24.66%.

SBI

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

Latest NAV

₹45.0142

As of

3 Jun 2026

3,559 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%	-3.73%	+4.70	5 / 100	Q1
1W	-0.61%	-4.70%	+4.09	49 / 100	Q2
2W	-1.47%	-4.26%	+2.78	80 / 100	Q4
1M	+5.04%	-2.40%	+7.44	16 / 100	Q1
3M	-7.07%	-4.89%	-2.18	77 / 97	Q4
6M	+21.66%	+3.08%	+18.59	14 / 89	Q1
YTD	+16.47%	-1.15%	+17.62	8 / 90	Q1
1Y	+59.61%	+22.24%	+37.38	11 / 77	Q1
2Y	+45.38%	+18.69%	+26.70	9 / 50	Q1
3Y	+35.48%	+15.32%	+20.16	6 / 41	Q1
4Y	+30.47%	+11.96%	+18.51	3 / 35	Q1
5Y	+24.66%	+8.32%	+16.34	1 / 27	Q1
7Y	+23.81%	+10.07%	+13.74	1 / 18	Q1
10Y	+16.97%	+8.25%	+8.72	1 / 17	Q1
Inception	+10.82%	+11.30%	-0.48	32 / 100	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	+16.47%	+3.46%	+13.01	8 / 85
2025	+70.71%	+34.91%	+35.80	11 / 55
2024	+19.07%	+12.37%	+6.70	5 / 42
2023	+13.92%	+13.03%	+0.89	15 / 41
2022	+12.64%	+2.29%	+10.35	2 / 29
2021	-5.47%	+7.04%	-12.51	26 / 28
2020	+27.20%	+12.72%	+14.48	2 / 19
2019	+22.91%	+9.51%	+13.40	2 / 18
2018	+5.67%	+1.67%	+4.01	6 / 18
2017	+4.23%	+7.26%	-3.03	10 / 17
2016	+10.03%	+6.52%	+3.51	5 / 17

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

+11.40%

168 windows

min -16.9% · max 84.7%

70% positive

3-Year rolling

+8.72%

143 windows

min -9.6% · max 40.7%

78% positive

5-Year rolling

+8.56%

119 windows

min -3.3% · max 27.9%

80% positive

7-Year rolling

+9.05%

95 windows

min -0.5% · max 24.5%

96% 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

1.48

vs risk-free 6.5%

Sortino ratio

2.97

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
Invesco India Gold ETF Fund of Fund - Regular Plan - IDCW (Payout / Reinvestment)	Invesco	₹42.9749	3 Jun 2026
Aditya Birla Sun Life Gold Fund-REGULAR - IDCW	Aditya Birla Sun Life	₹44.7132	3 Jun 2026
Motilal Oswal Gold and Silver Passive Fund of Funds(Regular Plan)	Motilal Oswal	₹32.1843	3 Jun 2026
Mirae Asset Gold ETF Fund of Fund - Regular Plan - IDCW	Mirae Asset	₹19.3000	3 Jun 2026
Edelweiss Gold and Silver ETF FOF - Regular Plan - IDCW	Edelweiss	₹36.4960	2 Jun 2026
DSP Gold ETF Fund of Fund - Regular - IDCW	DSP	₹24.0797	3 Jun 2026
HSBC Gold ETF Fund of fund - Regular IDCW	HSBC	₹10.6330	2 Jun 2026
Axis Gold Fund - Regular Plan - IDCW	Axis	₹44.6491	3 Jun 2026
Groww Gold ETF FOF - REGULAR - IDCW	Groww	₹18.8272	3 Jun 2026
Tata Gold ETF Fund of Fund Regular Plan IDCW Payout Option	Tata	₹23.4050	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹45.0142
2 Jun 2026	₹45.3806
1 Jun 2026	₹44.9434
31 May 2026	₹45.3543
29 May 2026	₹45.3552
27 May 2026	₹45.4690
26 May 2026	₹45.6576
25 May 2026	₹46.0241
22 May 2026	₹46.0051
21 May 2026	₹46.1150

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 - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹45.0142. It's a Fund of Funds - Domestic from SBI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Gold Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 19 Sep 2011, a track record of about 14 years 8 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 - Regular 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 - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 59.61% — +37.38 pp ahead of the Fund of Funds - Domestic category average of 22.24%. The fund ranks #11 of 77 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI Gold Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 35.48% — +20.16 pp ahead of the Fund of Funds - Domestic category average of 15.32%. The fund ranks #6 of 41 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Gold Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 24.66% — +16.34 pp ahead of the Fund of Funds - Domestic category average of 8.32%. The fund ranks #1 of 27 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Gold Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹479,538 today — a multiplier of 4.80×, based on the 10-year CAGR of 16.97%. The category average over the same window would have grown ₹1 lakh to ₹220,889.

A ₹10,000 monthly SIP in SBI Gold Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹1,376,801 today. That's an XIRR (money-weighted annualised return) of 33.95%.

A ₹10,000 monthly SIP for 10 years in SBI Gold Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹3,875,473 (multiplier 3.23×). XIRR: 22.18%. 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 - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #1 out of 27 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 8.32%; this fund delivered 24.66%.

The worst peak-to-trough decline SBI Gold Fund - Regular 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 - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 8.56% (best 27.93%, worst -3.32%). 80% of rolling windows ended positive. The 5-year Sharpe ratio is 1.10 — strong risk-adjusted performance.

In calendar year 2025, SBI Gold Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 70.71% — beating the Fund of Funds - Domestic category average of 34.91% by 35.80 pp. It ranked #11 of 55 in its category that year.

SBI Gold Fund - Regular 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 - Regular 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: 24.66%.

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