Should I invest in SBI MGST?

We don't give personal investment advice. SBI MGST-GROWTH 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: 4.6%. 5-year CAGR: 5.42%.

SBI

SBI MGST-GROWTH

Latest NAV

₹64.9913

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	+0.16%	+0.03%	+0.14	2 / 10	Q1
1W	+0.20%	-0.05%	+0.26	6 / 10	Q3
2W	+0.89%	+0.64%	+0.24	7 / 10	Q3
1M	+0.60%	+0.47%	+0.12	7 / 10	Q3
3M	-0.46%	+0.65%	-1.11	6 / 10	Q3
6M	+0.27%	-0.08%	+0.35	3 / 10	Q2
YTD	+0.22%	-0.02%	+0.24	3 / 10	Q2
1Y	+0.94%	-0.37%	+1.31	2 / 10	Q1
2Y	+5.95%	+1.93%	+4.02	3 / 10	Q2
3Y	+6.14%	+1.89%	+4.25	3 / 10	Q2
4Y	+7.12%	+2.74%	+4.38	3 / 10	Q2
5Y	+5.42%	+1.73%	+3.69	3 / 10	Q2
7Y	+6.48%	+2.04%	+4.44	2 / 10	Q1
10Y	+7.49%	+2.72%	+4.77	2 / 7	Q2
Inception	+7.86%	+2.20%	+5.66	1 / 10	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	+0.22%	+0.03%	+0.19	3 / 7
2025	+6.82%	+3.97%	+2.85	3 / 7
2024	+9.36%	+4.26%	+5.10	3 / 7
2023	+7.32%	+3.45%	+3.87	2 / 7
2022	+1.33%	+0.36%	+0.97	1 / 10
2021	+2.28%	-0.38%	+2.66	1 / 10
2020	+11.16%	+3.17%	+8.00	2 / 10
2019	+12.24%	+2.96%	+9.28	2 / 10
2018	+9.86%	+5.50%	+4.36	2 / 10
2017	+5.99%	-0.45%	+6.44	2 / 10
2016	+12.66%	+2.26%	+10.40	1 / 10

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

+8.17%

234 windows

min -1.7% · max 18.1%

98% positive

3-Year rolling

+8.14%

210 windows

min 3.4% · max 11.5%

100% positive

5-Year rolling

+8.29%

185 windows

min 5.3% · max 11.1%

100% positive

7-Year rolling

+8.62%

161 windows

min 6.5% · max 10.8%

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

3.07%

3-year · annualised

Sharpe ratio

-0.16

vs risk-free 6.5%

Sortino ratio

-0.31

Downside-only deviation

Max drawdown

-2.71%

Mar 2026 → Apr 2026

% 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 Gilt Fund with 10-year Constant Duration

Scheme	Fund house	NAV	As of
SBI Constant Maturity 10 Year Gilt Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹22.0454	3 Jun 2026
ICICI Prudential Constant Maturity Gilt Fund - Direct Plan - Quarterly IDCW	ICICI Prudential	₹11.5552	3 Jun 2026
Bandhan Gilt Fund with 10 year constant duration Fund - Direct Plan - Monthly IDCW	Bandhan	₹10.4595	3 Jun 2026
DSP 10Y G-Sec Fund - Direct Plan - IDCW	DSP	₹10.5983	3 Jun 2026
UTI Gilt Fund with 10 year Constant Duration - Direct Plan - Annual IDCW Option	UTI	₹11.3787	3 Jun 2026
IDFC GSF - Short Term - Growth	IDFC	₹47.2400	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹64.9913
2 Jun 2026	₹65.0282
1 Jun 2026	₹64.9240
31 May 2026	₹64.9932
29 May 2026	₹64.9828
27 May 2026	₹64.9687
26 May 2026	₹64.8953
25 May 2026	₹64.8475
22 May 2026	₹64.5543
21 May 2026	₹64.4356

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 MGST-GROWTH is ₹64.9913. It's a Gilt Fund with 10-year Constant Duration from SBI, run as a Unknown plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI MGST-GROWTH 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 MGST-GROWTH is managed by SBI. It's classified by AMFI under the 'Gilt Fund with 10-year Constant Duration' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI MGST-GROWTH has delivered a absolute return of 0.94% — +1.31 pp ahead of the Gilt Fund with 10-year Constant Duration category average of -0.37%. The fund ranks #2 of 10 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI MGST-GROWTH has delivered a CAGR of 6.14% — +4.25 pp ahead of the Gilt Fund with 10-year Constant Duration category average of 1.89%. The fund ranks #3 of 10 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI MGST-GROWTH has delivered a CAGR of 5.42% — +3.69 pp ahead of the Gilt Fund with 10-year Constant Duration category average of 1.73%. The fund ranks #3 of 10 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI MGST-GROWTH exactly 10 years ago would be worth approximately ₹205,929 today — a multiplier of 2.06×, based on the 10-year CAGR of 7.49%. The category average over the same window would have grown ₹1 lakh to ₹130,789.

A ₹10,000 monthly SIP in SBI MGST-GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹697,715 today. That's an XIRR (money-weighted annualised return) of 5.97%.

A ₹10,000 monthly SIP for 10 years in SBI MGST-GROWTH = ₹1,200,000 invested. It would currently be worth ₹1,681,937 (multiplier 1.40×). XIRR: 6.57%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MGST-GROWTH ranks #3 out of 10 funds in the Gilt Fund with 10-year Constant Duration category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 1.73%; this fund delivered 5.42%.

The worst peak-to-trough decline SBI MGST-GROWTH has experienced over the last 5-year window is 4.60% — its NAV fell from a high on 14 Dec 2021 to a low on 13 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 MGST-GROWTH averaged 8.29% (best 11.09%, worst 5.27%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.34 — negative risk-adjusted performance.

In calendar year 2025, SBI MGST-GROWTH returned 6.82% — beating the Gilt Fund with 10-year Constant Duration category average of 3.97% by 2.85 pp. It ranked #3 of 7 in its category that year.

SBI MGST-GROWTH 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 MGST-GROWTH 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: 4.6%. 5-year CAGR: 5.42%.

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

SBI MGST-GROWTH

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Gilt Fund with 10-year Constant Duration

Recent NAVs

Frequently asked questions

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