Should I invest in SBI Long Term Advantage Fund - Series IV - Income Distribution cum Capital Withdrawal Option (IDCW)?

We don't give personal investment advice. SBI Long Term Advantage Fund - Series IV - 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: 21.0%. 5-year CAGR: 14.72%.

SBI

SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹40.5340

As of

3 Jun 2026

1,956 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	+0.34%	+0.12%	+0.23	21 / 76	Q2
1W	-2.22%	-1.31%	-0.90	66 / 76	Q4
2W	-0.21%	+0.08%	-0.29	36 / 76	Q2
1M	-2.73%	-0.99%	-1.74	68 / 76	Q4
3M	-4.45%	-0.23%	-4.22	62 / 76	Q4
6M	-6.08%	-4.25%	-1.83	48 / 76	Q3
YTD	-6.77%	-3.63%	-3.14	50 / 76	Q3
1Y	+1.77%	+1.70%	+0.08	21 / 76	Q2
2Y	+2.82%	+3.10%	-0.28	24 / 75	Q2
3Y	+12.11%	+10.95%	+1.16	30 / 75	Q2
4Y	+12.57%	+11.02%	+1.55	23 / 69	Q2
5Y	+14.72%	+10.65%	+4.07	12 / 65	Q1
7Y	+20.01%	+11.69%	+8.32	2 / 63	Q1
10Y	—	—	—	—	—
Inception	+18.77%	+10.74%	+8.04	1 / 76	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	-6.77%	-5.99%	-0.78	44 / 70
2025	+3.75%	+2.19%	+1.57	20 / 70
2024	+21.28%	+16.51%	+4.77	13 / 70
2023	+23.81%	+24.04%	-0.24	31 / 68
2022	+6.81%	+1.46%	+5.35	9 / 65
2021	+58.73%	+33.28%	+25.45	8 / 68
2020	+32.71%	+13.91%	+18.81	3 / 68
2019	+14.93%	+5.99%	+8.93	5 / 66
2018	—	—	—	—

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

+24.31%

85 windows

min -15.3% · max 105.3%

88% positive

3-Year rolling

+26.21%

61 windows

min 10.6% · max 41.9%

100% positive

5-Year rolling

+26.06%

36 windows

min 14.7% · max 33.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+21.46%

12 windows

min 19.6% · max 23.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

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

13.93%

3-year · annualised

Sharpe ratio

0.43

vs risk-free 6.5%

Sortino ratio

0.65

Downside-only deviation

Max drawdown

-20.98%

Sep 2024 → Apr 2025

% 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 ELSS

Scheme	Fund house	NAV	As of
HDFC ELSS Tax saver - IDCW Option - Direct Plan	HDFC	₹88.8430	3 Jun 2026
NIPPON INDIA ELSS TAX SAVER FUND - DIRECT Plan - ANNUAL IDCW Option	Nippon India	₹21.9652	3 Jun 2026
SBI ELSS Tax Saver Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹113.4965	3 Jun 2026
ICICI Prudential ELSS Tax Saver Fund - Direct Plan - IDCW	ICICI Prudential	₹43.2500	3 Jun 2026
Invesco India ELSS Tax Saver Fund - Direct Plan - IDCW Payout	Invesco	₹30.0200	3 Jun 2026
BANDHAN ELSS Tax Saver Fund - Direct Plan - IDCW	Bandhan	₹40.0710	3 Jun 2026
quant ELSS Tax Saver Fund - IDCW Option - Direct Plan	Quant	₹59.0826	3 Jun 2026
Aditya Birla Sun Life ELSS Tax Saver Fund-DIRECT - IDCW	Aditya Birla Sun Life	₹417.8400	3 Jun 2026
Motilal Oswal ELSS Tax Saver Fund Direct - IDCW Payout	Motilal Oswal	₹38.4424	3 Jun 2026
Franklin India ELSS Tax Saver Fund - Direct - IDCW	Franklin India	₹67.3238	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹40.5340
2 Jun 2026	₹40.7315
1 Jun 2026	₹40.5925
31 May 2026	₹41.0365
29 May 2026	₹41.0378
27 May 2026	₹41.5274
26 May 2026	₹41.6546
25 May 2026	₹41.7561
22 May 2026	₹41.1434
21 May 2026	₹40.8290

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 Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹40.5340. It's a ELSS from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 03 Jul 2018, a track record of about 7 years 11 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 Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'ELSS' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 1.77% — +0.08 pp ahead of the ELSS category average of 1.70%. The fund ranks #21 of 76 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 12.11% — +1.16 pp ahead of the ELSS category average of 10.95%. The fund ranks #30 of 75 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 14.72% — +4.07 pp ahead of the ELSS category average of 10.65%. The fund ranks #12 of 65 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 5 years ago would be worth approximately ₹198,708 today — a multiplier of 1.99×, based on the 5-year CAGR of 14.72%. The category average over the same window would have grown ₹1 lakh to ₹165,837.

A ₹10,000 monthly SIP in SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹758,611 today. That's an XIRR (money-weighted annualised return) of 9.31%.

SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,534,988 — XIRR 16.91%.

On a 5-year basis, SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #12 out of 65 funds in the ELSS category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.65%; this fund delivered 14.72%.

The worst peak-to-trough decline SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 20.98% — its NAV fell from a high on 23 Sep 2024 to a low on 07 Apr 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 Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 26.06% (best 33.73%, worst 14.72%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.57 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 3.75% — beating the ELSS category average of 2.19% by 1.57 pp. It ranked #20 of 70 in its category that year.

SBI Long Term Advantage Fund - Series IV - 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 Long Term Advantage Fund - Series IV - 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: 21.0%. 5-year CAGR: 14.72%.

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

SBI Long Term Advantage Fund - Series IV - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in ELSS

Recent NAVs

Frequently asked questions

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