Should I invest in SBI MSFU PHARMA?

We don't give personal investment advice. SBI MSFU PHARMA - 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: 18.8%. 5-year CAGR: 15.51%.

SBI

SBI MSFU PHARMA - GROWTH

Latest NAV

₹472.1670

As of

12 Jun 2026

4,958 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	+0.51%	+1.75%	-1.24	109 / 122	Q4
1W	+1.42%	+0.22%	+1.20	17 / 122	Q1
2W	+1.95%	-0.68%	+2.64	7 / 122	Q1
1M	+3.27%	+0.61%	+2.66	12 / 122	Q1
3M	+13.15%	+6.99%	+6.15	12 / 122	Q1
6M	+11.08%	-1.50%	+12.58	9 / 122	Q1
YTD	+12.16%	-1.86%	+14.01	8 / 122	Q1
1Y	+10.66%	+1.40%	+9.26	20 / 120	Q1
2Y	+15.38%	+2.49%	+12.89	12 / 116	Q1
3Y	+24.72%	+14.16%	+10.56	8 / 112	Q1
4Y	+24.25%	+15.77%	+8.48	12 / 105	Q1
5Y	+15.51%	+12.03%	+3.48	27 / 104	Q2
7Y	+23.30%	+13.98%	+9.32	5 / 99	Q1
10Y	+13.35%	+11.65%	+1.69	37 / 93	Q2
Inception	+13.43%	+10.79%	+2.64	34 / 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	+12.16%	-2.02%	+14.18	8 / 118
2025	-3.78%	+3.20%	-6.98	89 / 115
2024	+41.92%	+19.60%	+22.32	6 / 113
2023	+38.54%	+31.56%	+6.98	36 / 108
2022	-6.02%	+2.19%	-8.20	79 / 104
2021	+19.03%	+32.41%	-13.38	77 / 102
2020	+65.28%	+18.32%	+46.96	8 / 100
2019	-0.63%	+5.50%	-6.13	75 / 97
2018	-9.90%	-10.07%	+0.17	45 / 94
2017	+1.49%	+30.10%	-28.61	91 / 93
2016	-14.20%	-0.25%	-13.95	91 / 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

+17.73%

234 windows

min -50.0% · max 132.3%

68% positive

3-Year rolling

+16.62%

210 windows

min -20.8% · max 45.7%

83% positive

5-Year rolling

+16.27%

186 windows

min -3.9% · max 37.4%

98% positive

7-Year rolling

+15.85%

161 windows

min 5.0% · max 36.8%

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

11.97%

3-year · annualised

Sharpe ratio

1.41

vs risk-free 6.5%

Sortino ratio

4.73

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	₹17.4470	12 Jun 2026
Nippon India Japan Equity Fund- Growth Plan- Bonus Option	Nippon India	₹26.8218	12 Jun 2026
Magnum Equity Fund -Dividend	SBI	₹72.5430	12 Jun 2026
ICICI Prudential Active Momentum Fund - Growth	ICICI Prudential	₹10.5400	12 Jun 2026
Franklin Asian Equity Fund - Dividend Plan	Franklin Templeton	₹20.8871	12 Jun 2026
Franklin India Multi-Factor Fund- Growth	Franklin India	₹9.3398	12 Jun 2026
Kotak Infrastructure & Economic Reform Fund - Standard Plan-Growth	Kotak	₹66.8550	12 Jun 2026
Canara Robeco Infrastructure-DIVIDEND	Canara Robeco	₹64.0700	12 Jun 2026
UTI - MNC Fund (UGS 10000)-Growth Option	UTI	₹383.0606	12 Jun 2026
BANK OF INDIA Manufacturing & Infrastructure Fund-Growth	Bank of India	₹63.1800	12 Jun 2026

Recent NAVs

Date	NAV
12 Jun 2026	₹472.1670
11 Jun 2026	₹469.7610
10 Jun 2026	₹468.0804
9 Jun 2026	₹469.7059
8 Jun 2026	₹465.4110
5 Jun 2026	₹465.5393
4 Jun 2026	₹461.2136
3 Jun 2026	₹459.0647
2 Jun 2026	₹455.8959
1 Jun 2026	₹456.4327

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 12 Jun 2026, the NAV of SBI MSFU PHARMA - GROWTH is ₹472.1670. 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 - GROWTH 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 - GROWTH 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 - GROWTH has delivered a absolute return of 10.66% — +9.26 pp ahead of the Sectoral/Thematic Fund category average of 1.40%. The fund ranks #20 of 120 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI MSFU PHARMA - GROWTH has delivered a CAGR of 24.72% — +10.56 pp ahead of the Sectoral/Thematic Fund category average of 14.16%. The fund ranks #8 of 112 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI MSFU PHARMA - GROWTH has delivered a CAGR of 15.51% — +3.48 pp ahead of the Sectoral/Thematic Fund category average of 12.03%. The fund ranks #27 of 104 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI MSFU PHARMA - GROWTH exactly 10 years ago would be worth approximately ₹349,977 today — a multiplier of 3.50×, based on the 10-year CAGR of 13.35%. The category average over the same window would have grown ₹1 lakh to ₹301,144.

A ₹10,000 monthly SIP in SBI MSFU PHARMA - GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹977,941 today. That's an XIRR (money-weighted annualised return) of 19.61%.

A ₹10,000 monthly SIP for 10 years in SBI MSFU PHARMA - GROWTH = ₹1,200,000 invested. It would currently be worth ₹3,118,971 (multiplier 2.60×). XIRR: 18.16%. 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 - GROWTH ranks #27 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 12.03%; this fund delivered 15.51%.

The worst peak-to-trough decline SBI MSFU PHARMA - GROWTH 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 - GROWTH averaged 16.27% (best 37.45%, worst -3.92%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.70 — reasonable risk-adjusted performance.

In calendar year 2025, SBI MSFU PHARMA - GROWTH returned -3.78% — lagging the Sectoral/Thematic Fund category average of 3.20% by 6.98 pp. It ranked #89 of 115 in its category that year.

SBI MSFU PHARMA - 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 PHARMA - 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: 18.8%. 5-year CAGR: 15.51%.

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