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: 22.54%.

SBI

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

Latest NAV

₹40.7930

As of

17 Jul 2026

3,590 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

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

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	-0.66%	-4.18%	+3.52	77 / 100	Q4
1W	-2.02%	-4.68%	+2.67	88 / 100	Q4
2W	-3.85%	-5.34%	+1.49	82 / 100	Q4
1M	-6.45%	-5.74%	-0.71	83 / 100	Q4
3M	-7.30%	-4.97%	-2.34	81 / 100	Q4
6M	-1.81%	-5.75%	+3.94	62 / 92	Q3
YTD	+4.70%	-3.32%	+8.01	10 / 90	Q1
1Y	+42.50%	+13.10%	+29.40	13 / 81	Q1
2Y	+35.79%	+13.98%	+21.81	10 / 51	Q1
3Y	+31.50%	+13.59%	+17.92	6 / 41	Q1
4Y	+27.21%	+12.50%	+14.71	5 / 36	Q1
5Y	+22.54%	+8.19%	+14.35	1 / 27	Q1
7Y	+20.56%	+9.74%	+10.83	1 / 18	Q1
10Y	+14.97%	+8.01%	+6.96	1 / 16	Q1
Inception	+9.93%	+8.51%	+1.42	37 / 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	+4.70%	+1.17%	+3.53	10 / 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

+11.85%

169 windows

min -15.6% · max 80.0%

72% positive

3-Year rolling

+8.98%

145 windows

min -8.6% · max 37.3%

79% positive

5-Year rolling

+8.74%

120 windows

min -3.1% · max 25.1%

79% positive

7-Year rolling

+9.31%

96 windows

min -0.6% · max 24.3%

97% 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

17.78%

3-year · annualised

Sharpe ratio

1.28

vs risk-free 6.5%

Sortino ratio

3.26

Downside-only deviation

Max drawdown

-24.71%

Jan 2026 → Mar 2026

% positive months

66.7%

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	₹39.0725	17 Jul 2026
Aditya Birla Sun Life Gold Fund-REGULAR - IDCW	Aditya Birla Sun Life	₹40.5256	17 Jul 2026
Motilal Oswal Gold and Silver Passive Fund of Funds(Regular Plan)	Motilal Oswal	₹28.3085	17 Jul 2026
Mirae Asset Gold ETF Fund of Fund - Regular Plan - IDCW	Mirae Asset	₹17.5060	17 Jul 2026
Edelweiss Gold and Silver ETF FOF - Regular Plan - IDCW	Edelweiss	₹31.2880	17 Jul 2026
DSP Gold ETF Fund of Fund - Regular - IDCW	DSP	₹21.8543	17 Jul 2026
HSBC Gold ETF Fund of fund - Regular IDCW	HSBC	₹9.6411	17 Jul 2026
Axis Gold Fund - Regular Plan - IDCW	Axis	₹40.4970	17 Jul 2026
Groww Gold ETF FOF - REGULAR - IDCW	Groww	₹17.1129	17 Jul 2026
Tata Gold ETF Fund of Fund Regular Plan IDCW Payout Option	Tata	₹21.2507	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹40.7930
16 Jul 2026	₹41.0634
15 Jul 2026	₹41.0331
14 Jul 2026	₹40.8695
13 Jul 2026	₹41.2254
10 Jul 2026	₹41.6334
9 Jul 2026	₹41.7193
8 Jul 2026	₹41.2482
7 Jul 2026	₹41.7921
6 Jul 2026	₹42.1205

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 17 Jul 2026, the NAV of SBI Gold Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹40.7930. 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 10 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 42.50% — +29.4 pp ahead of the Fund of Funds - Domestic category average of 13.10%. The fund ranks #13 of 81 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 31.50% — +17.92 pp ahead of the Fund of Funds - Domestic category average of 13.59%. 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 22.54% — +14.35 pp ahead of the Fund of Funds - Domestic category average of 8.19%. 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 ₹403,523 today — a multiplier of 4.04×, based on the 10-year CAGR of 14.97%. The category average over the same window would have grown ₹1 lakh to ₹216,139.

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 ₹1,208,085 today. That's an XIRR (money-weighted annualised return) of 28.41%.

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 ₹3,429,829 (multiplier 2.86×). XIRR: 19.92%. 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 8.19%; this fund delivered 22.54%.

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 8.74% (best 25.13%, worst -3.06%). 79% of rolling windows ended positive. The 5-year Sharpe ratio is 0.97 — reasonable 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: 22.54%.

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