Should I invest in SBI MGLT?

We don't give personal investment advice. SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) 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: 3.4%. 5-year CAGR: 5.68%.

SBI

SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option

Latest NAV

₹20.7036

As of

3 Jun 2026

4,891 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	+0.04%	+0.05%	-0.01	26 / 50	Q3
1W	+0.12%	+0.10%	+0.02	25 / 50	Q2
2W	+0.35%	+0.33%	+0.03	30 / 50	Q3
1M	+0.22%	+0.17%	+0.05	16 / 50	Q2
3M	+0.23%	-0.05%	+0.28	23 / 49	Q2
6M	+1.00%	+0.58%	+0.42	20 / 48	Q2
YTD	+0.98%	+0.44%	+0.55	17 / 48	Q2
1Y	+0.09%	-0.07%	+0.16	25 / 48	Q3
2Y	+4.99%	+3.72%	+1.27	25 / 47	Q3
3Y	+5.79%	+4.38%	+1.41	21 / 46	Q2
4Y	+6.70%	+4.72%	+1.98	8 / 44	Q1
5Y	+5.68%	+3.72%	+1.96	4 / 42	Q1
7Y	+6.24%	+4.46%	+1.78	15 / 42	Q2
10Y	+5.24%	+4.82%	+0.42	26 / 42	Q3
Inception	+3.67%	+5.09%	-1.42	33 / 50	Q3

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	+0.98%	+0.03%	+0.96	13 / 35
2025	+4.73%	+3.16%	+1.57	17 / 37
2024	+9.07%	+7.11%	+1.96	11 / 37
2023	+7.46%	+5.56%	+1.90	3 / 37
2022	+4.24%	+1.37%	+2.87	1 / 37
2021	+2.98%	+1.03%	+1.94	5 / 37
2020	+11.44%	+8.25%	+3.19	7 / 37
2019	+6.88%	+8.56%	-1.68	27 / 37
2018	+0.31%	+3.47%	-3.16	40 / 47
2017	-2.78%	+0.07%	-2.85	37 / 47
2016	+9.52%	+11.27%	-1.75	32 / 46

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

+3.88%

234 windows

min -14.6% · max 14.7%

83% positive

3-Year rolling

+3.80%

210 windows

min -2.3% · max 8.8%

90% positive

5-Year rolling

+3.89%

185 windows

min 0.3% · max 7.4%

100% positive

7-Year rolling

+3.92%

161 windows

min 0.8% · max 7.1%

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

3.35%

3-year · annualised

Sharpe ratio

-0.24

vs risk-free 6.5%

Sortino ratio

-0.53

Downside-only deviation

Max drawdown

-3.35%

May 2025 → Aug 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 Gilt Fund

Scheme	Fund house	NAV	As of
HDFC Gilt Fund-Long Term-Dividend	HDFC	₹12.0577	3 Jun 2026
SBI MGLT- DIVIDEND - PF (Fixed Period - 2 Yrs) Option	SBI	₹20.9517	3 Jun 2026
ICICI Prudential Gilt Fund-Investment-Dividend	ICICI Prudential	₹17.1914	3 Jun 2026
Templeton India Govt.Sec. Fund-Long Term Plan - Dividend	Franklin Templeton	₹10.6205	3 Jun 2026
Kotak Gilt-Investment Provident Fund and Trust-Dividend	Kotak Mahindra	₹11.6326	3 Jun 2026
DSP BlackRock Government Securities Fund - Dividend	DSP BlackRock	₹12.3761	3 Jun 2026
BARODA PIONEER GILT FUND-Dividend Plan	Baroda Pioneer	₹25.4008	3 Jun 2026
Canara Robeco Gilt PGS-Growth Plan	Canara Robeco	₹75.5222	3 Jun 2026
UTI - GILT ADVANTAGE-LONG TERM PF-DIVIDEND	UTI	₹26.5331	3 Jun 2026
PGIM India Gilt Fund - Quarterly Dividend	PGIM India	₹13.2250	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹20.7036
2 Jun 2026	₹20.7258
1 Jun 2026	₹20.7169
31 May 2026	₹20.7242
29 May 2026	₹20.7196
27 May 2026	₹20.7089
26 May 2026	₹20.7015
25 May 2026	₹20.6961
22 May 2026	₹20.6614
21 May 2026	₹20.6576

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 MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option is ₹20.7036. It's a Gilt Fund from SBI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) 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- DIVIDEND - PF (Fixed Period - 1 Yr) 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- DIVIDEND - PF (Fixed Period - 1 Yr) Option has delivered a absolute return of 0.09% — +0.16 pp ahead of the Gilt Fund category average of -0.07%. The fund ranks #25 of 48 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option has delivered a CAGR of 5.79% — +1.41 pp ahead of the Gilt Fund category average of 4.38%. The fund ranks #21 of 46 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option has delivered a CAGR of 5.68% — +1.96 pp ahead of the Gilt Fund category average of 3.72%. The fund ranks #4 of 42 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option exactly 10 years ago would be worth approximately ₹166,608 today — a multiplier of 1.67×, based on the 10-year CAGR of 5.24%. The category average over the same window would have grown ₹1 lakh to ₹160,073.

A ₹10,000 monthly SIP in SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option over the last 5 years — total invested ₹600,000 — would be worth ₹693,500 today. That's an XIRR (money-weighted annualised return) of 5.73%.

A ₹10,000 monthly SIP for 10 years in SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option = ₹1,200,000 invested. It would currently be worth ₹1,601,217 (multiplier 1.33×). XIRR: 5.62%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option ranks #4 out of 42 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 3.72%; this fund delivered 5.68%.

The worst peak-to-trough decline SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) 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- DIVIDEND - PF (Fixed Period - 1 Yr) Option averaged 3.89% (best 7.37%, worst 0.26%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.31 — negative risk-adjusted performance.

In calendar year 2025, SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) Option returned 4.73% — beating the Gilt Fund category average of 3.16% by 1.57 pp. It ranked #17 of 37 in its category that year.

SBI MGLT- DIVIDEND - PF (Fixed Period - 1 Yr) 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- DIVIDEND - PF (Fixed Period - 1 Yr) 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: 3.4%. 5-year CAGR: 5.68%.

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