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

We don't give personal investment advice. SBI Large & Midcap 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: 16.4%. 5-year CAGR: 15.23%.

SBI

SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹356.4452

As of

2 Jun 2026

3,305 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	+0.09%	+0.15%	-0.06	24 / 36	Q3
1W	-1.55%	-1.74%	+0.19	10 / 36	Q2
2W	-0.21%	-0.17%	-0.04	18 / 36	Q2
1M	-0.36%	-0.80%	+0.44	11 / 36	Q2
3M	-2.77%	-1.40%	-1.37	25 / 36	Q3
6M	-3.13%	-6.06%	+2.92	12 / 36	Q2
YTD	-3.74%	-6.30%	+2.56	13 / 36	Q2
1Y	+5.17%	-1.66%	+6.83	3 / 35	Q1
2Y	+7.04%	+0.68%	+6.35	1 / 33	Q1
3Y	+15.58%	+12.10%	+3.48	10 / 31	Q2
4Y	+16.85%	+12.28%	+4.56	6 / 31	Q1
5Y	+15.23%	+10.78%	+4.45	4 / 31	Q1
7Y	+16.61%	+12.23%	+4.38	2 / 27	Q1
10Y	+13.27%	+10.45%	+2.82	6 / 22	Q2
Inception	+14.73%	+10.14%	+4.59	4 / 36	Q1

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	-3.74%	-6.30%	+2.56	13 / 36
2025	+10.46%	+1.18%	+9.28	1 / 35
2024	+18.91%	+19.71%	-0.80	12 / 31
2023	+27.59%	+26.16%	+1.42	15 / 31
2022	+8.13%	+0.59%	+7.54	6 / 31
2021	+39.11%	+33.41%	+5.71	8 / 31
2020	+16.22%	+14.39%	+1.83	12 / 30
2019	+7.12%	+6.20%	+0.93	14 / 26
2018	-14.02%	-13.14%	-0.89	16 / 23
2017	+28.60%	+29.57%	-0.96	10 / 23
2016	+0.24%	+3.36%	-3.12	17 / 22

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

+18.12%

152 windows

min -28.7% · max 81.8%

86% positive

3-Year rolling

+15.11%

127 windows

min -8.2% · max 34.5%

92% positive

5-Year rolling

+14.30%

103 windows

min -3.3% · max 28.1%

99% positive

7-Year rolling

+13.56%

79 windows

min 7.6% · max 18.7%

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

12.28%

3-year · annualised

Sharpe ratio

0.72

vs risk-free 6.5%

Sortino ratio

1.14

Downside-only deviation

Max drawdown

-14.17%

Sep 2024 → Mar 2025

% positive months

77.8%

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 Large & Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Large and Mid Cap Fund - IDCW Option - Direct Plan	HDFC	₹45.3030	3 Jun 2026
NIPPON INDIA VISION LARGE & MID CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹68.1548	3 Jun 2026
ICICI Prudential Large & Mid Cap Fund - Direct Plan - IDCW	ICICI Prudential	₹51.8500	3 Jun 2026
Invesco India Large & Mid Cap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹50.7800	3 Jun 2026
Bandhan Large & Mid Cap Fund - Direct Plan - IDCW	Bandhan	₹35.6690	3 Jun 2026
quant Large & Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹62.7085	3 Jun 2026
Aditya Birla Sun Life Large & Mid Cap Fund -Direct - IDCW	Aditya Birla Sun Life	₹201.0900	3 Jun 2026
Motilal Oswal Large and Midcap Fund Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹27.1484	3 Jun 2026
Franklin India Large & Mid cap Fund - Direct - IDCW	Franklin India	₹21.5940	3 Jun 2026
Mirae Asset Large & Midcap Fund - Direct Plan - IDCW	Mirae Asset	₹79.4160	3 Jun 2026

Recent NAVs

Date	NAV
2 Jun 2026	₹356.4452
1 Jun 2026	₹356.1106
31 May 2026	₹359.5498
27 May 2026	₹362.6576
26 May 2026	₹362.0564
25 May 2026	₹362.2305
22 May 2026	₹359.4946
21 May 2026	₹358.5509
20 May 2026	₹357.6480
19 May 2026	₹357.1957

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 02 Jun 2026, the NAV of SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹356.4452. It's a Large & Mid Cap Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

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

Over the trailing 1-year window, SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 5.17% — +6.83 pp ahead of the Large & Mid Cap Fund category average of -1.66%. The fund ranks #3 of 35 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 15.58% — +3.48 pp ahead of the Large & Mid Cap Fund category average of 12.10%. The fund ranks #10 of 31 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 15.23% — +4.45 pp ahead of the Large & Mid Cap Fund category average of 10.78%. The fund ranks #4 of 31 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹347,797 today — a multiplier of 3.48×, based on the 10-year CAGR of 13.27%. The category average over the same window would have grown ₹1 lakh to ₹270,253.

A ₹10,000 monthly SIP in SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹835,939 today. That's an XIRR (money-weighted annualised return) of 13.22%.

A ₹10,000 monthly SIP for 10 years in SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹2,662,009 (multiplier 2.22×). XIRR: 15.22%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #4 out of 31 funds in the Large & Mid Cap Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.78%; this fund delivered 15.23%.

The worst peak-to-trough decline SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 16.38% — its NAV fell from a high on 17 Jan 2022 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 Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 14.30% (best 28.08%, worst -3.32%). 99% of rolling windows ended positive. The 5-year Sharpe ratio is 0.68 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Large & Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 10.46% — beating the Large & Mid Cap Fund category average of 1.18% by 9.28 pp. It ranked #1 of 35 in its category that year.

SBI Large & Midcap 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 Large & Midcap 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: 16.4%. 5-year CAGR: 15.23%.

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