SBI
SBI Multi Asset Allocation Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW)
Latest NAV
₹33.1269
As of
3 Jun 2026
3,211 NAV records on file
Category
Multi Asset Allocation Fund
Plan type
Dividend
Structure
Close-ended
AMFI Scheme Code
119841
ISIN (Growth)
INF200K01UA4
ISIN (Dividend)
INF200K01UB2
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
No matches.
Compares up to 8 funds. Click any line in the legend above to hide/show it.
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% | +0.20% | -0.12 | 23 / 35 | Q3 |
| 1W | -0.71% | -0.98% | +0.26 | 12 / 35 | Q2 |
| 2W | -0.19% | -0.26% | +0.07 | 15 / 35 | Q2 |
| 1M | +0.19% | +0.13% | +0.06 | 15 / 35 | Q2 |
| 3M | -1.32% | -2.09% | +0.78 | 13 / 33 | Q2 |
| 6M | +3.48% | +1.40% | +2.08 | 11 / 33 | Q2 |
| YTD | +1.48% | -0.43% | +1.91 | 11 / 33 | Q2 |
| 1Y | +14.76% | +11.20% | +3.56 | 8 / 28 | Q2 |
| 2Y | +12.48% | +9.60% | +2.89 | 7 / 24 | Q2 |
| 3Y | +17.93% | +14.61% | +3.31 | 5 / 14 | Q2 |
| 4Y | +17.10% | +14.57% | +2.53 | 5 / 11 | Q2 |
| 5Y | +14.34% | +12.77% | +1.57 | 5 / 11 | Q2 |
| 7Y | +14.04% | +12.78% | +1.26 | 3 / 8 | Q2 |
| 10Y | +10.46% | +10.06% | +0.40 | 3 / 8 | Q2 |
| Inception | +8.84% | +11.47% | -2.63 | 26 / 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% | -0.43% | +1.91 | 11 / 33 |
| 2025 | +19.40% | +16.31% | +3.09 | 12 / 26 |
| 2024 | +13.41% | +15.15% | -1.74 | 11 / 16 |
| 2023 | +25.38% | +20.71% | +4.67 | 4 / 12 |
| 2022 | +6.96% | +5.20% | +1.76 | 7 / 11 |
| 2021 | +13.60% | +21.30% | -7.69 | 7 / 11 |
| 2020 | +13.95% | +14.75% | -0.81 | 5 / 8 |
| 2019 | +6.30% | +6.12% | +0.18 | 4 / 8 |
| 2018 | -1.69% | -2.80% | +1.11 | 4 / 8 |
| 2017 | +5.68% | +8.47% | -2.78 | 5 / 8 |
| 2016 | +3.29% | +5.66% | -2.37 | 7 / 8 |
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
+9.32%
150 windows
min -6.7% · max 31.0%
95% positive
3-Year rolling
+8.94%
126 windows
min -1.3% · max 20.1%
99% positive
5-Year rolling
+8.53%
101 windows
min 0.8% · max 16.3%
100% positive
7-Year rolling
+8.36%
77 windows
min 2.0% · max 14.4%
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
Recent NAVs
| Date | NAV |
|---|---|
| 3 Jun 2026 | ₹33.1269 |
| 2 Jun 2026 | ₹33.1944 |
| 1 Jun 2026 | ₹33.1666 |
| 31 May 2026 | ₹33.2743 |
| 29 May 2026 | ₹33.2700 |
| 27 May 2026 | ₹33.4434 |
| 26 May 2026 | ₹33.4332 |
| 25 May 2026 | ₹33.4787 |
| 22 May 2026 | ₹33.2448 |
| 21 May 2026 | ₹33.2321 |
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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 - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) is ₹33.1269. It's a Multi Asset Allocation Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.
SBI Multi Asset Allocation Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 22 Feb 2013, a track record of about 13 years 3 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 - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 14.76% — +3.56 pp ahead of the Multi Asset Allocation Fund category average of 11.20%. The fund ranks #8 of 28 in its category — the second (Q2) quartile.
Over the trailing 3-year window, SBI Multi Asset Allocation Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 17.93% — +3.31 pp ahead of the Multi Asset Allocation Fund category average of 14.61%. The fund ranks #5 of 14 in its category — the second (Q2) quartile.
Over the trailing 5-year window, SBI Multi Asset Allocation Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 14.34% — +1.57 pp ahead of the Multi Asset Allocation Fund category average of 12.77%. The fund ranks #5 of 11 in its category — the second (Q2) quartile.
₹1 lakh invested in SBI Multi Asset Allocation Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹270,413 today — a multiplier of 2.70×, based on the 10-year CAGR of 10.46%. The category average over the same window would have grown ₹1 lakh to ₹260,733.
A ₹10,000 monthly SIP in SBI Multi Asset Allocation Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹885,421 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 - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹2,379,043 (multiplier 1.98×). XIRR: 13.12%. 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 - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) ranks #5 out of 11 funds in the Multi Asset Allocation Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 12.77%; this fund delivered 14.34%.
The worst peak-to-trough decline SBI Multi Asset Allocation Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) averaged 8.53% (best 16.29%, worst 0.77%). 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 - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) returned 19.40% — beating the Multi Asset Allocation Fund category average of 16.31% by 3.09 pp. It ranked #12 of 26 in its category that year.
SBI Multi Asset Allocation Fund - Direct Plan - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Monthly Income Distribution cum Capital Withdrawal Option (IDCW) 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
Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.
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