Should I invest in SBI MSFU CONTRA?

We don't give personal investment advice. SBI MSFU CONTRA-GROWTH 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: 15.93%.

SBI

SBI MSFU CONTRA-GROWTH

Latest NAV

₹378.5282

As of

17 Jul 2026

4,981 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	+0.30%	+0.31%	-0.01	5 / 8	Q3
1W	+0.38%	-0.18%	+0.56	2 / 8	Q1
2W	+0.69%	+0.29%	+0.40	1 / 8	Q1
1M	+1.40%	+2.03%	-0.62	5 / 8	Q3
3M	+0.98%	+2.38%	-1.40	6 / 6	Q4
6M	-3.60%	-3.74%	+0.15	5 / 6	Q4
YTD	-5.08%	-5.25%	+0.17	5 / 6	Q4
1Y	-2.53%	-2.81%	+0.28	4 / 6	Q3
2Y	-1.25%	-0.38%	-0.87	4 / 6	Q3
3Y	+12.83%	+13.96%	-1.13	5 / 6	Q4
4Y	+17.00%	+16.80%	+0.19	4 / 6	Q3
5Y	+15.93%	+14.04%	+1.89	2 / 6	Q2
7Y	+20.53%	+16.74%	+3.79	2 / 6	Q2
10Y	+15.30%	+12.94%	+2.36	2 / 6	Q2
Inception	+12.80%	+8.81%	+3.99	2 / 8	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	-5.08%	-5.25%	+0.17	5 / 6
2025	+5.79%	+5.09%	+0.70	3 / 6
2024	+18.37%	+23.26%	-4.90	6 / 6
2023	+37.79%	+33.70%	+4.09	2 / 6
2022	+12.76%	+6.41%	+6.35	2 / 6
2021	+49.24%	+33.98%	+15.27	2 / 6
2020	+30.29%	+20.95%	+9.33	1 / 6
2019	-1.18%	+1.36%	-2.54	4 / 6
2018	-14.26%	-11.40%	-2.86	4 / 6
2017	+39.86%	+33.89%	+5.97	2 / 6
2016	+1.78%	+0.47%	+1.30	4 / 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

+16.88%

236 windows

min -53.0% · max 102.6%

72% positive

3-Year rolling

+14.36%

211 windows

min -8.8% · max 46.0%

91% positive

5-Year rolling

+13.50%

187 windows

min -2.8% · max 38.0%

97% positive

7-Year rolling

+12.68%

163 windows

min 4.0% · max 21.8%

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

11.83%

3-year · annualised

Sharpe ratio

0.53

vs risk-free 6.5%

Sortino ratio

0.92

Downside-only deviation

Max drawdown

-16.17%

Sep 2024 → Mar 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 Contra Fund

Scheme	Fund house	NAV	As of
SBI MSFU CONTRA-DIVIDEND	SBI	₹65.6388	17 Jul 2026
Kotak Contra Scheme---Dividend	Kotak Mahindra	₹53.2450	17 Jul 2026
Motilal Oswal Contra Fund - Direct – Growth		₹10.5188	17 Jul 2026
Religare Contra Fund - Dividend	Religare	₹48.9400	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹378.5282
16 Jul 2026	₹377.3975
15 Jul 2026	₹377.1740
14 Jul 2026	₹376.0321
13 Jul 2026	₹377.8932
10 Jul 2026	₹377.1042
9 Jul 2026	₹372.5261
8 Jul 2026	₹369.4103
7 Jul 2026	₹376.6156
6 Jul 2026	₹377.3334

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 MSFU CONTRA-GROWTH is ₹378.5282. 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-GROWTH has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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-GROWTH 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-GROWTH has delivered a absolute return of -2.53% — +0.28 pp ahead of the Contra Fund category average of -2.81%. The fund ranks #4 of 6 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI MSFU CONTRA-GROWTH has delivered a CAGR of 12.83% — -1.13 pp behind the Contra Fund category average of 13.96%. The fund ranks #5 of 6 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI MSFU CONTRA-GROWTH has delivered a CAGR of 15.93% — +1.89 pp ahead of the Contra Fund category average of 14.04%. The fund ranks #2 of 6 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI MSFU CONTRA-GROWTH exactly 10 years ago would be worth approximately ₹415,378 today — a multiplier of 4.15×, based on the 10-year CAGR of 15.30%. The category average over the same window would have grown ₹1 lakh to ₹337,665.

A ₹10,000 monthly SIP in SBI MSFU CONTRA-GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹819,022 today. That's an XIRR (money-weighted annualised return) of 12.40%.

A ₹10,000 monthly SIP for 10 years in SBI MSFU CONTRA-GROWTH = ₹1,200,000 invested. It would currently be worth ₹2,952,726 (multiplier 2.46×). XIRR: 17.15%. 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-GROWTH ranks #2 out of 6 funds in the Contra Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 14.04%; this fund delivered 15.93%.

The worst peak-to-trough decline SBI MSFU CONTRA-GROWTH 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-GROWTH averaged 13.50% (best 38.01%, worst -2.82%). 97% of rolling windows ended positive. The 5-year Sharpe ratio is 0.72 — reasonable risk-adjusted performance.

In calendar year 2025, SBI MSFU CONTRA-GROWTH returned 5.79% — beating the Contra Fund category average of 5.09% by 0.70 pp. It ranked #3 of 6 in its category that year.

SBI MSFU CONTRA-GROWTH 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-GROWTH 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: 15.93%.

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