Should I invest in SBI MGLT?

We don't give personal investment advice. SBI MGLT- GROWTH - PF (Regular) Option is suitable for an investor whose:time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ yearsprimary goal is capital preservation or steady accrual, not high growthtax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.3%. 5-year CAGR: 5.86%.

SBI

SBI MGLT- GROWTH - PF (Regular) Option

Latest NAV

₹43.4852

As of

18 Jun 2026

4,902 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	+0.02%	+0.07%	-0.05	24 / 26	Q4
1W	+0.28%	+0.51%	-0.23	25 / 26	Q4
2W	+1.02%	+1.39%	-0.38	25 / 26	Q4
1M	+1.35%	+2.05%	-0.70	24 / 26	Q4
3M	+1.05%	+0.83%	+0.23	12 / 26	Q2
6M	+2.21%	+1.00%	+1.21	4 / 25	Q1
YTD	+1.91%	+0.62%	+1.28	4 / 25	Q1
1Y	+2.39%	+0.40%	+1.99	5 / 25	Q1
2Y	+5.37%	+2.61%	+2.76	2 / 23	Q1
3Y	+6.12%	+3.42%	+2.70	2 / 23	Q1
4Y	+6.89%	+4.17%	+2.72	2 / 22	Q1
5Y	+5.86%	+3.04%	+2.82	1 / 19	Q1
7Y	+6.72%	+2.70%	+4.01	1 / 19	Q1
10Y	+7.55%	+3.10%	+4.45	1 / 14	Q1
Inception	+7.31%	+2.94%	+4.37	2 / 26	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	+1.91%	+0.62%	+1.28	4 / 25
2025	+4.76%	+2.10%	+2.66	1 / 24
2024	+9.07%	+6.37%	+2.70	7 / 23
2023	+7.45%	+4.50%	+2.95	2 / 24
2022	+4.23%	+0.99%	+3.24	1 / 19
2021	+2.98%	-0.38%	+3.35	3 / 19
2020	+11.44%	+3.90%	+7.54	4 / 19
2019	+13.36%	+5.60%	+7.76	2 / 19
2018	+5.07%	+4.05%	+1.02	14 / 19
2017	+3.18%	-1.74%	+4.92	3 / 19
2016	+16.12%	+8.76%	+7.37	4 / 15

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

+7.63%

235 windows

min -8.2% · max 23.1%

95% positive

3-Year rolling

+7.62%

210 windows

min -1.8% · max 15.4%

100% positive

5-Year rolling

+7.98%

186 windows

min 3.3% · max 12.6%

100% positive

7-Year rolling

+8.37%

162 windows

min 5.2% · max 11.5%

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

2.76%

3-year · annualised

Sharpe ratio

-0.18

vs risk-free 6.5%

Sortino ratio

-0.43

Downside-only deviation

Max drawdown

-3.35%

May 2025 → Aug 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 Gilt Fund

Scheme	Fund house	NAV	As of
Bandhan Gilt Fund - Regular - Plan B - Half Yearly IDCW	Bandhan	₹11.5575	18 Jun 2026
quant Gilt Fund - IDCW Option - Regular Plan	Quant	₹12.0578	18 Jun 2026
Kotak Gilt-Investment Regular-Dividend	Kotak Mahindra	₹18.8013	18 Jun 2026
Edelweiss Government Securities Fund - Regular Plan - Annual - IDCW Option	Edelweiss	₹24.7820	18 Jun 2026
HSBC Gilt Fund - Regular Quarterly IDCW	HSBC	₹10.3334	18 Jun 2026
Axis Gilt Fund - Regular Plan - Half Yearly IDCW	Axis	₹11.9587	18 Jun 2026
Bajaj Finserv Gilt Fund - Regular - IDCW	Bajaj Finserv	₹1,048.7124	18 Jun 2026
Groww Gilt Fund - Regular - IDCW	Groww	₹9.8559	18 Jun 2026
LIC MF Govt Securities Fund-Regular Plan (D)	LIC	₹17.2003	18 Jun 2026
Religare GILT Fund - Long Duration Plan - Regular - Annual Dividend	Religare	₹1,157.7024	18 Jun 2026

Recent NAVs

Date	NAV
18 Jun 2026	₹43.4852
17 Jun 2026	₹43.4696
16 Jun 2026	₹43.4599
15 Jun 2026	₹43.4501
12 Jun 2026	₹43.4033
11 Jun 2026	₹43.3610
10 Jun 2026	₹43.3483
9 Jun 2026	₹43.3711
8 Jun 2026	₹43.2299
5 Jun 2026	₹43.1852

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 18 Jun 2026, the NAV of SBI MGLT- GROWTH - PF (Regular) Option is ₹43.4852. It's a Gilt Fund from SBI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI MGLT- GROWTH - PF (Regular) Option has NAV history starting from 03 Apr 2006, a track record of about 20 years 2 months. Long-tenured funds like this have weathered multiple market cycles — the 2008 crash, 2013 taper tantrum, 2020 COVID drawdown — which makes their returns more credible than a 3-year track record alone.

SBI MGLT- GROWTH - PF (Regular) Option is managed by SBI. It's classified by AMFI under the 'Gilt Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI MGLT- GROWTH - PF (Regular) Option has delivered a absolute return of 2.39% — +1.99 pp ahead of the Gilt Fund category average of 0.40%. The fund ranks #5 of 25 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI MGLT- GROWTH - PF (Regular) Option has delivered a CAGR of 6.12% — +2.7 pp ahead of the Gilt Fund category average of 3.42%. The fund ranks #2 of 23 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI MGLT- GROWTH - PF (Regular) Option has delivered a CAGR of 5.86% — +2.82 pp ahead of the Gilt Fund category average of 3.04%. The fund ranks #1 of 19 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI MGLT- GROWTH - PF (Regular) Option exactly 10 years ago would be worth approximately ₹206,994 today — a multiplier of 2.07×, based on the 10-year CAGR of 7.55%. The category average over the same window would have grown ₹1 lakh to ₹135,636.

A ₹10,000 monthly SIP in SBI MGLT- GROWTH - PF (Regular) Option over the last 5 years — total invested ₹600,000 — would be worth ₹698,303 today. That's an XIRR (money-weighted annualised return) of 6.00%.

A ₹10,000 monthly SIP for 10 years in SBI MGLT- GROWTH - PF (Regular) Option = ₹1,200,000 invested. It would currently be worth ₹1,689,689 (multiplier 1.41×). XIRR: 6.65%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MGLT- GROWTH - PF (Regular) Option ranks #1 out of 19 funds in the Gilt Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 3.04%; this fund delivered 5.86%.

The worst peak-to-trough decline SBI MGLT- GROWTH - PF (Regular) Option has experienced over the last 5-year window is 3.35% — its NAV fell from a high on 28 May 2025 to a low on 26 Aug 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 MGLT- GROWTH - PF (Regular) Option averaged 7.98% (best 12.61%, worst 3.27%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.30 — negative risk-adjusted performance.

In calendar year 2025, SBI MGLT- GROWTH - PF (Regular) Option returned 4.76% — beating the Gilt Fund category average of 2.10% by 2.66 pp. It ranked #1 of 24 in its category that year.

SBI MGLT- GROWTH - PF (Regular) Option is classified as a Debt fund. For units acquired on or after 1 April 2023, all gains are taxed at your income-tax slab rate regardless of holding period — there's no LTCG concession or indexation. For pre-April-2023 units, the old rules with indexation still apply on long-term gains.

We don't give personal investment advice. SBI MGLT- GROWTH - PF (Regular) Option is suitable for an investor whose:

time horizon matches the fund's modified duration — short-duration funds for 1-3 year goals, long-duration for 7+ years
primary goal is capital preservation or steady accrual, not high growth
tax slab is moderate — high-slab investors should evaluate post-tax yield against tax-free alternatives (PPF, tax-free bonds)

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.3%. 5-year CAGR: 5.86%.

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

SBI MGLT- GROWTH - PF (Regular) Option

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund

Recent NAVs

Frequently asked questions

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