Should I invest in SBI MSFU CONTRA?

We don't give personal investment advice. SBI MSFU CONTRA-DIVIDEND 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: 16.2%. 5-year CAGR: 16.58%.

SBI

SBI MSFU CONTRA-DIVIDEND

Latest NAV

₹63.9548

As of

2 Jun 2026

4,949 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	+0.10%	+0.32%	-0.22	5 / 6	Q4
1W	-1.63%	-1.62%	0.00	4 / 6	Q3
2W	-0.23%	-0.01%	-0.22	5 / 6	Q4
1M	-1.24%	-1.30%	+0.06	3 / 6	Q2
3M	-4.37%	-5.11%	+0.74	4 / 6	Q3
6M	-6.74%	-8.37%	+1.63	3 / 6	Q2
YTD	-7.51%	-9.09%	+1.57	3 / 6	Q2
1Y	-2.22%	-3.49%	+1.27	3 / 6	Q2
2Y	+0.76%	+0.85%	-0.09	5 / 6	Q4
3Y	+14.68%	+14.96%	-0.28	4 / 6	Q3
4Y	+16.77%	+15.88%	+0.90	3 / 6	Q2
5Y	+16.58%	+14.03%	+2.55	1 / 6	Q1
7Y	+18.68%	+14.96%	+3.72	1 / 6	Q1
10Y	+12.85%	+12.87%	-0.02	4 / 6	Q3
Inception	+4.05%	+9.69%	-5.64	6 / 6	Q4

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	-7.51%	-9.09%	+1.57	3 / 6
2025	+5.79%	+5.09%	+0.70	4 / 6
2024	+18.37%	+23.26%	-4.90	5 / 6
2023	+37.79%	+33.70%	+4.09	1 / 6
2022	+12.76%	+6.41%	+6.35	1 / 6
2021	+49.25%	+33.98%	+15.27	1 / 6
2020	+30.29%	+20.95%	+9.33	2 / 6
2019	-1.18%	+1.36%	-2.54	3 / 6
2018	-23.20%	-11.40%	-11.80	6 / 6
2017	+25.78%	+33.89%	-8.11	6 / 6
2016	-9.43%	+0.47%	-9.90	6 / 6

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

+8.83%

234 windows

min -60.2% · max 109.2%

59% positive

3-Year rolling

+6.11%

210 windows

min -17.8% · max 45.1%

55% positive

5-Year rolling

+5.39%

185 windows

min -15.8% · max 35.7%

56% positive

7-Year rolling

+4.35%

161 windows

min -9.6% · max 21.6%

60% 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

12.98%

3-year · annualised

Sharpe ratio

0.63

vs risk-free 6.5%

Sortino ratio

0.98

Downside-only deviation

Max drawdown

-16.17%

Sep 2024 → Mar 2025

% 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 Contra Fund

Scheme	Fund house	NAV	As of
SBI CONTRA FUND - DIRECT PLAN - GROWTH	SBI	₹405.5633	2 Jun 2026
Invesco India Contra Fund - Direct Plan - Growth	Invesco	₹150.2000	3 Jun 2026
Kotak Contra Fund - Direct Plan - Growth	Kotak	₹174.8590	3 Jun 2026
Kotak Contra Scheme---Dividend	Kotak Mahindra	₹50.5430	3 Jun 2026
Religare Contra Fund - Dividend	Religare	₹46.5000	3 Jun 2026

Recent NAVs

Date	NAV
2 Jun 2026	₹63.9548
1 Jun 2026	₹63.8894
31 May 2026	₹64.3279
27 May 2026	₹65.0139
26 May 2026	₹65.0132
25 May 2026	₹65.1027
22 May 2026	₹64.4346
21 May 2026	₹64.3244
20 May 2026	₹64.2890
19 May 2026	₹64.1036

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 02 Jun 2026, the NAV of SBI MSFU CONTRA-DIVIDEND is ₹63.9548. It's a Contra Fund from SBI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

SBI MSFU CONTRA-DIVIDEND 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 MSFU CONTRA-DIVIDEND is managed by SBI. It's classified by AMFI under the 'Contra Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI MSFU CONTRA-DIVIDEND has delivered a absolute return of -2.22% — +1.27 pp ahead of the Contra Fund category average of -3.49%. The fund ranks #3 of 6 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI MSFU CONTRA-DIVIDEND has delivered a CAGR of 14.68% — -0.28 pp behind the Contra Fund category average of 14.96%. The fund ranks #4 of 6 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI MSFU CONTRA-DIVIDEND has delivered a CAGR of 16.58% — +2.55 pp ahead of the Contra Fund category average of 14.03%. The fund ranks #1 of 6 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI MSFU CONTRA-DIVIDEND exactly 10 years ago would be worth approximately ₹334,897 today — a multiplier of 3.35×, based on the 10-year CAGR of 12.85%. The category average over the same window would have grown ₹1 lakh to ₹335,465.

A ₹10,000 monthly SIP in SBI MSFU CONTRA-DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹816,035 today. That's an XIRR (money-weighted annualised return) of 12.24%.

A ₹10,000 monthly SIP for 10 years in SBI MSFU CONTRA-DIVIDEND = ₹1,200,000 invested. It would currently be worth ₹2,792,599 (multiplier 2.33×). XIRR: 16.11%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MSFU CONTRA-DIVIDEND ranks #1 out of 6 funds in the Contra Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 14.03%; this fund delivered 16.58%.

The worst peak-to-trough decline SBI MSFU CONTRA-DIVIDEND has experienced over the last 5-year window is 16.17% — its NAV fell from a high on 27 Sep 2024 to a low on 03 Mar 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 MSFU CONTRA-DIVIDEND averaged 5.39% (best 35.65%, worst -15.78%). 56% of rolling windows ended positive. The 5-year Sharpe ratio is 0.77 — reasonable risk-adjusted performance.

In calendar year 2025, SBI MSFU CONTRA-DIVIDEND returned 5.79% — beating the Contra Fund category average of 5.09% by 0.70 pp. It ranked #4 of 6 in its category that year.

SBI MSFU CONTRA-DIVIDEND 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 MSFU CONTRA-DIVIDEND 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: 16.2%. 5-year CAGR: 16.58%.

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