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

We don't give personal investment advice. SBI Infrastructure Fund - Direct 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: 23.2%. 5-year CAGR: 18.54%.

SBI

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

Latest NAV

₹49.5256

As of

17 Jul 2026

3,338 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	-0.54%	-0.04%	-0.50	206 / 249	Q4
1W	+0.30%	-0.15%	+0.46	55 / 249	Q1
2W	+0.49%	-0.61%	+1.10	82 / 251	Q2
1M	+0.73%	+1.14%	-0.41	183 / 251	Q3
3M	+4.54%	+3.90%	+0.64	113 / 251	Q2
6M	+7.02%	+2.59%	+4.43	75 / 243	Q2
YTD	+4.06%	+0.68%	+3.38	79 / 241	Q2
1Y	+1.76%	+2.39%	-0.63	119 / 229	Q3
2Y	-1.18%	+0.44%	-1.62	105 / 186	Q3
3Y	+17.72%	+11.53%	+6.19	32 / 151	Q1
4Y	+21.52%	+12.75%	+8.77	13 / 125	Q1
5Y	+18.54%	+9.05%	+9.49	11 / 113	Q1
7Y	+19.80%	+14.43%	+5.37	15 / 92	Q1
10Y	+14.35%	+11.87%	+2.48	26 / 77	Q2
Inception	+13.75%	+10.06%	+3.70	77 / 251	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	+4.06%	+1.51%	+2.55	78 / 237
2025	-0.38%	+1.49%	-1.87	110 / 204
2024	+21.15%	+20.10%	+1.06	66 / 158
2023	+49.54%	+30.21%	+19.34	7 / 131
2022	+9.75%	+1.48%	+8.26	30 / 119
2021	+47.66%	+31.54%	+16.12	20 / 106
2020	+8.52%	+19.90%	-11.38	64 / 95
2019	+10.31%	+6.43%	+3.88	24 / 87
2018	-26.81%	-9.17%	-17.64	74 / 78
2017	+41.23%	+32.45%	+8.79	23 / 77
2016	+9.11%	+2.96%	+6.15	21 / 77

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

+19.04%

153 windows

min -28.4% · max 76.3%

80% positive

3-Year rolling

+16.91%

129 windows

min -9.1% · max 38.6%

91% positive

5-Year rolling

+15.33%

105 windows

min -1.6% · max 34.8%

97% positive

7-Year rolling

+14.29%

80 windows

min 4.8% · max 21.8%

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

15.58%

3-year · annualised

Sharpe ratio

0.71

vs risk-free 6.5%

Sortino ratio

1.17

Downside-only deviation

Max drawdown

-23.17%

Sep 2024 → Mar 2025

% 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹17.4480	17 Jul 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹30.5463	17 Jul 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.5864	17 Jul 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹70.0600	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹14.5200	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹22.0968	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹32.1000	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.5239	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹49.5256
16 Jul 2026	₹49.7949
15 Jul 2026	₹49.4750
14 Jul 2026	₹49.3727
13 Jul 2026	₹49.4151
10 Jul 2026	₹49.3758
9 Jul 2026	₹48.7099
8 Jul 2026	₹48.3682
7 Jul 2026	₹49.0536
6 Jul 2026	₹49.3882

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 Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹49.5256. It's a Sectoral/Thematic Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 04 Jan 2013, a track record of about 13 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 Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 1.76% — -0.63 pp behind the Sectoral/Thematic Fund category average of 2.39%. The fund ranks #119 of 229 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 17.72% — +6.19 pp ahead of the Sectoral/Thematic Fund category average of 11.53%. The fund ranks #32 of 151 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 18.54% — +9.49 pp ahead of the Sectoral/Thematic Fund category average of 9.05%. The fund ranks #11 of 113 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹382,182 today — a multiplier of 3.82×, based on the 10-year CAGR of 14.35%. The category average over the same window would have grown ₹1 lakh to ₹306,966.

A ₹10,000 monthly SIP in SBI Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹900,242 today. That's an XIRR (money-weighted annualised return) of 16.23%.

A ₹10,000 monthly SIP for 10 years in SBI Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹3,007,829 (multiplier 2.51×). XIRR: 17.49%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #11 out of 113 funds in the Sectoral/Thematic Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 9.05%; this fund delivered 18.54%.

The worst peak-to-trough decline SBI Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 23.17% — its NAV fell from a high on 23 Sep 2024 to a low on 03 Mar 2025. 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 Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 15.33% (best 34.84%, worst -1.61%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is 0.76 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Infrastructure Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned -0.38% — lagging the Sectoral/Thematic Fund category average of 1.49% by 1.87 pp. It ranked #110 of 204 in its category that year.

SBI Infrastructure Fund - Direct 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 Infrastructure Fund - Direct 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: 23.2%. 5-year CAGR: 18.54%.

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