Should I invest in SBI MULTI ASSET ALLOCATION FUND?

We don't give personal investment advice. SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.6%. 5-year CAGR: 14.34%.

SBI

SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH

Latest NAV

₹73.7773

As of

3 Jun 2026

3,194 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	+0.08%	+0.19%	-0.11	24 / 35	Q3
1W	-0.71%	-0.97%	+0.26	11 / 35	Q2
2W	-0.19%	-0.24%	+0.04	16 / 35	Q2
1M	+0.19%	+0.23%	-0.04	18 / 35	Q3
3M	-1.31%	-1.35%	+0.04	15 / 33	Q2
6M	+3.49%	+2.66%	+0.83	13 / 33	Q2
YTD	+1.48%	+0.81%	+0.67	14 / 33	Q2
1Y	+14.77%	+12.65%	+2.12	10 / 28	Q2
2Y	+12.49%	+11.25%	+1.23	9 / 23	Q2
3Y	+17.93%	+16.82%	+1.11	3 / 12	Q1
4Y	+17.10%	+16.90%	+0.21	5 / 8	Q3
5Y	+14.34%	+15.26%	-0.92	5 / 8	Q3
7Y	+14.58%	+16.29%	-1.71	3 / 6	Q2
10Y	+12.45%	+14.02%	-1.57	3 / 6	Q2
Inception	+12.54%	+12.89%	-0.36	19 / 35	Q3

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	+1.48%	+0.81%	+0.67	14 / 33
2025	+19.40%	+17.52%	+1.88	13 / 26
2024	+13.41%	+16.83%	-3.42	13 / 15
2023	+25.38%	+22.93%	+2.45	3 / 9
2022	+6.96%	+7.52%	-0.56	4 / 8
2021	+13.61%	+25.85%	-12.25	7 / 8
2020	+14.77%	+17.95%	-3.18	4 / 6
2019	+11.17%	+10.15%	+1.02	2 / 6
2018	+1.77%	+1.16%	+0.61	3 / 6
2017	+11.77%	+14.77%	-3.00	5 / 6
2016	+9.79%	+9.99%	-0.20	3 / 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

+12.89%

149 windows

min -2.8% · max 31.0%

99% positive

3-Year rolling

+12.23%

125 windows

min 3.0% · max 20.1%

100% positive

5-Year rolling

+11.66%

101 windows

min 5.9% · max 16.3%

100% positive

7-Year rolling

+11.57%

76 windows

min 8.3% · max 15.1%

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

7.81%

3-year · annualised

Sharpe ratio

1.33

vs risk-free 6.5%

Sortino ratio

2.49

Downside-only deviation

Max drawdown

-8.59%

Jan 2026 → Mar 2026

% positive months

77.8%

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 Multi Asset Allocation Fund

Scheme	Fund house	NAV	As of
HDFC Multi-Asset Fund - Growth Option - Direct Plan	HDFC	₹82.3540	3 Jun 2026
Nippon India Multi Asset Allocation Fund - Direct Plan - Growth Option	Nippon India	₹26.3932	2 Jun 2026
ICICI Prudential Multi-Asset Fund - Direct Plan - Growth	ICICI Prudential	₹881.1632	2 Jun 2026
Invesco India Multi Asset Allocation Fund - Direct Plan - Growth	Invesco	₹12.4500	3 Jun 2026
Bandhan Multi Asset Allocation Fund - Direct Plan - Growth	Bandhan	₹14.5409	2 Jun 2026
quant Multi Asset Allocation Fund-GROWTH OPTION-Direct Plan	Quant	₹180.0410	3 Jun 2026
Quantum Multi Asset Allocation Fund - Direct Plan Growth Option	Quantum	₹12.1000	3 Jun 2026
Aditya Birla Sun Life Multi Asset Allocation Fund-Direct Growth	Aditya Birla Sun Life	₹17.2302	3 Jun 2026
Franklin India Multi Asset Allocation Fund- Direct-Growth	Franklin India	₹10.9111	3 Jun 2026
Mirae Asset Multi Asset Allocation Fund - Direct Plan - Growth	Mirae Asset	₹13.7090	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹73.7773
2 Jun 2026	₹73.9275
1 Jun 2026	₹73.8657
31 May 2026	₹74.1055
29 May 2026	₹74.0959
27 May 2026	₹74.4821
26 May 2026	₹74.4593
25 May 2026	₹74.5606
22 May 2026	₹74.0397
21 May 2026	₹74.0115

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 03 Jun 2026, the NAV of SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH is ₹73.7773. It's a Multi Asset Allocation Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH has NAV history starting from 19 Mar 2013, a track record of about 13 years 2 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH is managed by SBI. It's classified by AMFI under the 'Multi Asset Allocation Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH has delivered a absolute return of 14.77% — +2.12 pp ahead of the Multi Asset Allocation Fund category average of 12.65%. The fund ranks #10 of 28 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 17.93% — +1.11 pp ahead of the Multi Asset Allocation Fund category average of 16.82%. The fund ranks #3 of 12 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 14.34% — -0.92 pp behind the Multi Asset Allocation Fund category average of 15.26%. The fund ranks #5 of 8 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH exactly 10 years ago would be worth approximately ₹323,355 today — a multiplier of 3.23×, based on the 10-year CAGR of 12.45%. The category average over the same window would have grown ₹1 lakh to ₹371,370.

A ₹10,000 monthly SIP in SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹885,470 today. That's an XIRR (money-weighted annualised return) of 15.55%.

A ₹10,000 monthly SIP for 10 years in SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH = ₹1,200,000 invested. It would currently be worth ₹2,483,980 (multiplier 2.07×). XIRR: 13.93%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH ranks #5 out of 8 funds in the Multi Asset Allocation Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 15.26%; this fund delivered 14.34%.

The worst peak-to-trough decline SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH has experienced over the last 5-year window is 8.59% — its NAV fell from a high on 29 Jan 2026 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 MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH averaged 11.66% (best 16.29%, worst 5.93%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 1.01 — strong risk-adjusted performance.

In calendar year 2025, SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH returned 19.40% — beating the Multi Asset Allocation Fund category average of 17.52% by 1.88 pp. It ranked #13 of 26 in its category that year.

SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 8.6%. 5-year CAGR: 14.34%.

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

SBI MULTI ASSET ALLOCATION FUND - DIRECT PLAN - GROWTH

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Multi Asset Allocation Fund

Recent NAVs

Frequently asked questions

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