Should I invest in SBI MSFU FMCG?

We don't give personal investment advice. SBI MSFU FMCG 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: 27.1%. 5-year CAGR: 12.56%.

SBI

SBI MSFU FMCG

Latest NAV

₹172.3622

As of

17 Jul 2026

4,984 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	+0.34%	-0.07%	+0.41	38 / 122	Q2
1W	-0.21%	-0.15%	-0.06	65 / 122	Q3
2W	-1.19%	-0.13%	-1.05	101 / 122	Q4
1M	+0.71%	+1.33%	-0.62	73 / 122	Q3
3M	-1.27%	+3.32%	-4.59	106 / 122	Q4
6M	-3.35%	+2.87%	-6.22	100 / 122	Q4
YTD	-6.31%	+1.43%	-7.74	104 / 122	Q4
1Y	-9.23%	+2.53%	-11.76	105 / 120	Q4
2Y	-5.56%	+1.69%	-7.25	97 / 116	Q4
3Y	+6.96%	+13.72%	-6.76	97 / 114	Q4
4Y	+11.27%	+15.46%	-4.19	80 / 106	Q4
5Y	+12.56%	+12.16%	+0.40	46 / 104	Q2
7Y	+15.27%	+15.00%	+0.27	47 / 99	Q2
10Y	+11.21%	+11.50%	-0.29	56 / 93	Q3
Inception	+12.42%	+11.17%	+1.25	45 / 122	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	-6.31%	+1.37%	-7.68	100 / 118
2025	-7.16%	+3.20%	-10.35	106 / 115
2024	+22.85%	+19.60%	+3.25	33 / 113
2023	+29.85%	+31.56%	-1.71	59 / 108
2022	+13.86%	+2.19%	+11.68	20 / 104
2021	+33.28%	+32.41%	+0.87	46 / 102
2020	+13.68%	+18.32%	-4.64	45 / 100
2019	+0.43%	+5.50%	-5.07	70 / 97
2018	-17.10%	-10.07%	-7.03	69 / 94
2017	+53.09%	+30.10%	+22.99	4 / 93
2016	+2.33%	-0.25%	+2.58	32 / 93

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

+16.38%

236 windows

min -30.5% · max 91.6%

72% positive

3-Year rolling

+16.31%

211 windows

min -8.9% · max 43.7%

93% positive

5-Year rolling

+15.54%

187 windows

min -3.4% · max 32.4%

98% positive

7-Year rolling

+13.98%

163 windows

min 0.9% · max 24.0%

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

14.51%

3-year · annualised

Sharpe ratio

0.09

vs risk-free 6.5%

Sortino ratio

0.14

Downside-only deviation

Max drawdown

-27.06%

Sep 2024 → Mar 2026

% positive months

58.3%

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 - Growth Option	HDFC	₹18.4020	17 Jul 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.0439	17 Jul 2026
Magnum Equity Fund -Dividend	SBI	₹75.2678	17 Jul 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.7400	17 Jul 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹20.5340	17 Jul 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.5442	17 Jul 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹68.7640	17 Jul 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.5500	17 Jul 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹397.9086	17 Jul 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹66.3400	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹172.3622
16 Jul 2026	₹171.7819
15 Jul 2026	₹172.1273
14 Jul 2026	₹171.1155
13 Jul 2026	₹172.3403
10 Jul 2026	₹172.7202
9 Jul 2026	₹172.3578
8 Jul 2026	₹171.1723
7 Jul 2026	₹174.9635
6 Jul 2026	₹175.4611

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 FMCG is ₹172.3622. It's a Sectoral/Thematic Fund from SBI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

SBI MSFU FMCG 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 FMCG 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 MSFU FMCG has delivered a absolute return of -9.23% — -11.76 pp behind the Sectoral/Thematic Fund category average of 2.53%. The fund ranks #105 of 120 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI MSFU FMCG has delivered a CAGR of 6.96% — -6.76 pp behind the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #97 of 114 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI MSFU FMCG has delivered a CAGR of 12.56% — +0.4 pp ahead of the Sectoral/Thematic Fund category average of 12.16%. The fund ranks #46 of 104 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI MSFU FMCG exactly 10 years ago would be worth approximately ₹289,339 today — a multiplier of 2.89×, based on the 10-year CAGR of 11.21%. The category average over the same window would have grown ₹1 lakh to ₹297,061.

A ₹10,000 monthly SIP in SBI MSFU FMCG over the last 5 years — total invested ₹600,000 — would be worth ₹717,333 today. That's an XIRR (money-weighted annualised return) of 7.08%.

A ₹10,000 monthly SIP for 10 years in SBI MSFU FMCG = ₹1,200,000 invested. It would currently be worth ₹2,238,042 (multiplier 1.86×). XIRR: 11.98%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MSFU FMCG ranks #46 out of 104 funds in the Sectoral/Thematic Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 12.16%; this fund delivered 12.56%.

The worst peak-to-trough decline SBI MSFU FMCG has experienced over the last 5-year window is 27.06% — its NAV fell from a high on 26 Sep 2024 to a low on 23 Mar 2026. 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 FMCG averaged 15.54% (best 32.38%, worst -3.43%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.43 — weak risk-adjusted performance.

In calendar year 2025, SBI MSFU FMCG returned -7.16% — lagging the Sectoral/Thematic Fund category average of 3.20% by 10.35 pp. It ranked #106 of 115 in its category that year.

SBI MSFU FMCG 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 FMCG 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: 27.1%. 5-year CAGR: 12.56%.

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