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

We don't give personal investment advice. SBI 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: 17.9%. 5-year CAGR: 15.34%.

SBI

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

Latest NAV

₹155.8445

As of

17 Jul 2026

3,340 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	-0.60%	-0.23%	-0.38	29 / 31	Q4
1W	+0.21%	-0.51%	+0.72	4 / 31	Q1
2W	+0.71%	+0.60%	+0.12	13 / 31	Q2
1M	+2.92%	+1.56%	+1.37	8 / 31	Q2
3M	+4.77%	+5.71%	-0.94	22 / 31	Q3
6M	+4.96%	+5.07%	-0.12	18 / 31	Q3
YTD	+3.23%	+2.84%	+0.39	16 / 30	Q3
1Y	+2.03%	+2.58%	-0.55	17 / 30	Q3
2Y	+2.63%	+1.07%	+1.56	9 / 28	Q2
3Y	+13.50%	+15.52%	-2.02	17 / 28	Q3
4Y	+16.53%	+16.21%	+0.32	11 / 24	Q2
5Y	+15.34%	+12.80%	+2.53	7 / 21	Q2
7Y	+21.01%	+16.87%	+4.14	5 / 19	Q2
10Y	+14.35%	+11.75%	+2.60	5 / 16	Q2
Inception	+15.76%	+15.15%	+0.60	16 / 31	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	+3.23%	+2.84%	+0.39	16 / 30
2025	+1.20%	-0.94%	+2.14	9 / 28
2024	+21.45%	+26.10%	-4.65	19 / 28
2023	+35.81%	+33.37%	+2.44	9 / 27
2022	+3.95%	-0.01%	+3.96	7 / 21
2021	+51.89%	+39.11%	+12.78	4 / 20
2020	+31.08%	+21.28%	+9.80	4 / 19
2019	+0.69%	-0.12%	+0.82	8 / 18
2018	-21.41%	-14.35%	-7.06	16 / 17
2017	+33.80%	+34.26%	-0.46	9 / 17
2016	-2.47%	-0.52%	-1.94	10 / 16

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

+20.53%

153 windows

min -22.8% · max 99.8%

80% positive

3-Year rolling

+16.71%

129 windows

min -10.6% · max 42.6%

89% positive

5-Year rolling

+15.64%

105 windows

min -2.7% · max 35.6%

97% positive

7-Year rolling

+14.67%

80 windows

min 7.3% · max 21.1%

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

14.02%

3-year · annualised

Sharpe ratio

0.51

vs risk-free 6.5%

Sortino ratio

0.85

Downside-only deviation

Max drawdown

-17.88%

Sep 2024 → Feb 2025

% positive months

69.4%

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 Mid Cap Fund

Scheme	Fund house	NAV	As of
HDFC Mid Cap Fund - IDCW Option - Direct Plan	HDFC	₹81.4130	17 Jul 2026
ICICI Prudential MidCap Fund - Direct Plan - IDCW	ICICI Prudential	₹70.3500	17 Jul 2026
Invesco India Midcap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹84.0600	17 Jul 2026
BANDHAN MIDCAP FUND - IDCW - DIRECT PLAN	Bandhan	₹19.7020	17 Jul 2026
quant Mid Cap Fund - IDCW Option - Direct Plan	Quant	₹89.2853	17 Jul 2026
Aditya Birla Sun Life Midcap Fund -DIRECT - IDCW	Aditya Birla Sun Life	₹100.6900	17 Jul 2026
Motilal Oswal Midcap Fund-Direct - IDCW Payout/Reinvestment	Motilal Oswal	₹46.6684	17 Jul 2026
Franklin India Mid Cap Fund - Direct - IDCW	Franklin India	₹105.1035	17 Jul 2026
Mirae Asset Midcap Fund Direct IDCW	Mirae Asset	₹28.6980	17 Jul 2026
Kotak Midcap Fund - Direct Plan - IDCW - Payout & Re-investment of Income Distribution cum capital withdrawal option	Kotak	₹101.9770	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹155.8445
16 Jul 2026	₹156.7875
15 Jul 2026	₹156.7776
14 Jul 2026	₹155.6236
13 Jul 2026	₹155.6775
10 Jul 2026	₹155.5221
9 Jul 2026	₹153.7739
8 Jul 2026	₹152.3092
7 Jul 2026	₹154.2570
6 Jul 2026	₹154.9951

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 17 Jul 2026, the NAV of SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹155.8445. It's a Mid Cap Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI 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 6 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 Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'Mid Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 2.03% — -0.55 pp behind the Mid Cap Fund category average of 2.58%. The fund ranks #17 of 30 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 13.50% — -2.02 pp behind the Mid Cap Fund category average of 15.52%. The fund ranks #17 of 28 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 15.34% — +2.53 pp ahead of the Mid Cap Fund category average of 12.80%. The fund ranks #7 of 21 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹382,159 today — a multiplier of 3.82×, based on the 10-year CAGR of 14.35%. The category average over the same window would have grown ₹1 lakh to ₹303,738.

A ₹10,000 monthly SIP in SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹838,316 today. That's an XIRR (money-weighted annualised return) of 13.34%.

A ₹10,000 monthly SIP for 10 years in SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹2,900,933 (multiplier 2.42×). XIRR: 16.82%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #7 out of 21 funds in the Mid Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 12.80%; this fund delivered 15.34%.

The worst peak-to-trough decline SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 17.88% — its NAV fell from a high on 24 Sep 2024 to a low on 28 Feb 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 Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 15.64% (best 35.59%, worst -2.70%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is 0.58 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Midcap Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 1.20% — beating the Mid Cap Fund category average of -0.94% by 2.14 pp. It ranked #9 of 28 in its category that year.

SBI 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 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: 17.9%. 5-year CAGR: 15.34%.

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