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

We don't give personal investment advice. SBI MNC 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: 18.8%. 5-year CAGR: 9.24%.

SBI

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

Latest NAV

₹147.3866

As of

3 Jun 2026

3,308 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	+0.23%	+0.27%	-0.04	125 / 249	Q3
1W	-1.34%	-1.33%	-0.01	101 / 249	Q2
2W	-0.04%	-0.44%	+0.39	133 / 251	Q3
1M	-0.22%	-0.98%	+0.76	105 / 251	Q2
3M	+5.09%	+0.91%	+4.19	71 / 249	Q2
6M	+3.61%	-3.35%	+6.96	57 / 241	Q1
YTD	+5.93%	-3.40%	+9.33	36 / 241	Q1
1Y	+3.13%	+2.11%	+1.01	90 / 225	Q2
2Y	+3.92%	+1.79%	+2.13	66 / 181	Q2
3Y	+7.71%	+12.30%	-4.60	110 / 142	Q4
4Y	+10.38%	+11.74%	-1.36	82 / 122	Q3
5Y	+9.25%	+8.93%	+0.32	69 / 111	Q3
7Y	+12.85%	+13.08%	-0.24	48 / 92	Q3
10Y	+9.41%	+12.03%	-2.62	56 / 77	Q3
Inception	+11.95%	+8.52%	+3.43	100 / 251	Q2

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	+5.93%	-2.64%	+8.58	35 / 237
2025	-4.99%	+1.49%	-6.48	163 / 204
2024	+8.88%	+20.10%	-11.21	137 / 158
2023	+24.32%	+30.21%	-5.89	88 / 131
2022	-5.02%	+1.48%	-6.50	85 / 119
2021	+39.88%	+31.54%	+8.35	28 / 106
2020	+20.97%	+19.90%	+1.07	36 / 95
2019	+6.71%	+6.43%	+0.28	34 / 87
2018	-9.25%	-9.17%	-0.09	41 / 78
2017	+30.38%	+32.45%	-2.07	47 / 77
2016	-10.94%	+2.96%	-13.90	72 / 77

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

+14.79%

152 windows

min -16.0% · max 82.7%

76% positive

3-Year rolling

+11.58%

127 windows

min -2.7% · max 29.8%

94% positive

5-Year rolling

+11.42%

103 windows

min -3.1% · max 19.6%

98% positive

7-Year rolling

+11.07%

79 windows

min 6.0% · max 14.0%

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

12.22%

3-year · annualised

Sharpe ratio

0.14

vs risk-free 6.5%

Sortino ratio

0.22

Downside-only deviation

Max drawdown

-15.45%

Sep 2024 → Apr 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹147.3866
2 Jun 2026	₹147.3264
1 Jun 2026	₹146.9825
31 May 2026	₹148.9746
29 May 2026	₹148.9820
27 May 2026	₹150.5199
26 May 2026	₹149.3303
25 May 2026	₹148.9598
22 May 2026	₹148.4952
21 May 2026	₹148.7239

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 MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹147.3866. It's a Sectoral/Thematic Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI MNC 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 5 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 MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 3.13% — +1.01 pp ahead of the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #90 of 225 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 7.71% — -4.6 pp behind the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #110 of 142 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 9.25% — +0.32 pp ahead of the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #69 of 111 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹245,690 today — a multiplier of 2.46×, based on the 10-year CAGR of 9.41%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

A ₹10,000 monthly SIP in SBI MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹719,787 today. That's an XIRR (money-weighted annualised return) of 7.21%.

A ₹10,000 monthly SIP for 10 years in SBI MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹2,084,698 (multiplier 1.74×). XIRR: 10.64%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #69 out of 111 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 8.93%; this fund delivered 9.24%.

The worst peak-to-trough decline SBI MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 18.79% — its NAV fell from a high on 04 Jan 2022 to a low on 17 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 MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 11.42% (best 19.62%, worst -3.15%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2025, SBI MNC Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned -4.99% — lagging the Sectoral/Thematic Fund category average of 1.49% by 6.48 pp. It ranked #163 of 204 in its category that year.

SBI MNC 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 MNC 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: 18.8%. 5-year CAGR: 9.24%.

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