Should I invest in SBI MSFU PHARMA?

We don't give personal investment advice. SBI MSFU PHARMA - 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: 18.8%. 5-year CAGR: 15.93%.

SBI

SBI MSFU PHARMA - DIVIDEND

Latest NAV

₹295.3064

As of

17 Jun 2026

4,961 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	+0.05%	+0.44%	-0.39	101 / 122	Q4
1W	+0.15%	+3.52%	-3.37	115 / 122	Q4
2W	+2.12%	+2.37%	-0.26	82 / 122	Q3
1M	+1.03%	+2.58%	-1.56	96 / 122	Q4
3M	+11.54%	+7.60%	+3.93	24 / 122	Q1
6M	+11.52%	+1.52%	+10.00	20 / 122	Q1
YTD	+11.35%	+0.22%	+11.13	10 / 122	Q1
1Y	+11.06%	+3.84%	+7.22	26 / 120	Q1
2Y	+14.28%	+2.78%	+11.50	11 / 116	Q1
3Y	+23.10%	+14.71%	+8.39	11 / 113	Q1
4Y	+24.64%	+17.25%	+7.39	14 / 105	Q1
5Y	+15.93%	+12.73%	+3.20	32 / 104	Q2
7Y	+23.61%	+14.50%	+9.11	4 / 99	Q1
10Y	+11.54%	+11.77%	-0.23	55 / 93	Q3
Inception	+11.89%	+11.10%	+0.79	52 / 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	+11.35%	+0.13%	+11.22	10 / 118
2025	-3.78%	+3.20%	-6.98	90 / 115
2024	+41.92%	+19.60%	+22.32	5 / 113
2023	+38.54%	+31.56%	+6.98	35 / 108
2022	-6.02%	+2.19%	-8.21	80 / 104
2021	+19.03%	+32.41%	-13.38	76 / 102
2020	+65.29%	+18.32%	+46.97	7 / 100
2019	-0.63%	+5.50%	-6.13	76 / 97
2018	-24.01%	-10.07%	-13.94	88 / 94
2017	+1.50%	+30.10%	-28.60	90 / 93
2016	-14.20%	-0.25%	-13.95	92 / 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

+15.97%

235 windows

min -48.6% · max 128.5%

66% positive

3-Year rolling

+15.00%

210 windows

min -20.4% · max 41.5%

80% positive

5-Year rolling

+14.32%

186 windows

min -7.0% · max 37.5%

91% positive

7-Year rolling

+13.50%

162 windows

min 2.6% · max 35.0%

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

11.88%

3-year · annualised

Sharpe ratio

1.30

vs risk-free 6.5%

Sortino ratio

3.25

Downside-only deviation

Max drawdown

-13.63%

Jan 2025 → Feb 2025

% positive months

63.9%

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	₹17.9230	18 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹27.4080	18 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹74.1512	18 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.8700	18 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹21.7560	18 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.5560	18 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹69.2850	18 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹66.4200	18 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹392.0606	18 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹65.0100	18 Jun 2026

Recent NAVs

Date	NAV
17 Jun 2026	₹295.3064
16 Jun 2026	₹295.1725
15 Jun 2026	₹295.7739
12 Jun 2026	₹297.4402
11 Jun 2026	₹295.9245
10 Jun 2026	₹294.8658
9 Jun 2026	₹295.8898
8 Jun 2026	₹293.1842
5 Jun 2026	₹293.2651
4 Jun 2026	₹290.5401

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 Jun 2026, the NAV of SBI MSFU PHARMA - DIVIDEND is ₹295.3064. 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 PHARMA - 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 PHARMA - DIVIDEND 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 PHARMA - DIVIDEND has delivered a absolute return of 11.06% — +7.22 pp ahead of the Sectoral/Thematic Fund category average of 3.84%. The fund ranks #26 of 120 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI MSFU PHARMA - DIVIDEND has delivered a CAGR of 23.10% — +8.39 pp ahead of the Sectoral/Thematic Fund category average of 14.71%. The fund ranks #11 of 113 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI MSFU PHARMA - DIVIDEND has delivered a CAGR of 15.93% — +3.2 pp ahead of the Sectoral/Thematic Fund category average of 12.73%. The fund ranks #32 of 104 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI MSFU PHARMA - DIVIDEND exactly 10 years ago would be worth approximately ₹298,059 today — a multiplier of 2.98×, based on the 10-year CAGR of 11.54%. The category average over the same window would have grown ₹1 lakh to ₹304,336.

A ₹10,000 monthly SIP in SBI MSFU PHARMA - DIVIDEND over the last 5 years — total invested ₹600,000 — would be worth ₹968,480 today. That's an XIRR (money-weighted annualised return) of 19.21%.

A ₹10,000 monthly SIP for 10 years in SBI MSFU PHARMA - DIVIDEND = ₹1,200,000 invested. It would currently be worth ₹2,973,538 (multiplier 2.48×). XIRR: 17.27%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MSFU PHARMA - DIVIDEND ranks #32 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 12.73%; this fund delivered 15.93%.

The worst peak-to-trough decline SBI MSFU PHARMA - DIVIDEND has experienced over the last 5-year window is 18.80% — its NAV fell from a high on 16 Sep 2021 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 MSFU PHARMA - DIVIDEND averaged 14.32% (best 37.49%, worst -7.03%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is 0.70 — reasonable risk-adjusted performance.

In calendar year 2025, SBI MSFU PHARMA - DIVIDEND returned -3.78% — lagging the Sectoral/Thematic Fund category average of 3.20% by 6.98 pp. It ranked #90 of 115 in its category that year.

SBI MSFU PHARMA - 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 PHARMA - 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: 18.8%. 5-year CAGR: 15.93%.

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