Should I invest in SBI Multicap Fund - Income Distribution cum Capital Withdrawal Option (IDCW)?

We don't give personal investment advice. SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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.

SBI

SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹17.1516

As of

3 Jun 2026

1,046 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	+0.33%	+0.24%	+0.09	13 / 28	Q2
1W	-1.27%	-1.49%	+0.22	9 / 28	Q2
2W	+0.30%	+0.35%	-0.05	16 / 28	Q3
1M	-0.84%	+0.04%	-0.88	22 / 28	Q4
3M	+2.16%	+2.40%	-0.24	15 / 28	Q3
6M	-3.59%	-3.16%	-0.43	17 / 28	Q3
YTD	-2.95%	-2.95%	0.00	15 / 28	Q3
1Y	+0.13%	+1.31%	-1.17	18 / 28	Q3
2Y	+6.60%	+3.05%	+3.56	7 / 25	Q2
3Y	+15.27%	+14.85%	+0.42	8 / 20	Q2
4Y	+14.64%	+14.66%	-0.02	6 / 13	Q2
5Y	—	—	—	—	—
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.11%	+12.67%	+0.44	16 / 28	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	-2.95%	-2.95%	0.00	15 / 28
2025	+2.88%	+1.67%	+1.20	11 / 27
2024	+26.62%	+22.18%	+4.44	7 / 22
2023	+23.59%	+32.16%	-8.57	14 / 15
2022	—	—	—	—

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

+17.23%

40 windows

min -3.9% · max 40.4%

95% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+17.43%

16 windows

min 15.0% · max 21.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

—

Insufficient history

7-Year rolling

—

Insufficient history

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

12.77%

3-year · annualised

Sharpe ratio

0.67

vs risk-free 6.5%

Sortino ratio

1.11

Downside-only deviation

Max drawdown

-15.11%

Jul 2025 → Mar 2026

% positive months

69.4%

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 Cap Fund

Scheme	Fund house	NAV	As of
HDFC Multi Cap Fund - IDCW Option - Direct Plan	HDFC	₹17.2020	3 Jun 2026
NIPPON INDIA MULTI CAP FUND - DIRECT Plan - IDCW Option	Nippon India	₹83.5468	3 Jun 2026
ICICI Prudential Multicap Fund - Direct Plan - IDCW	ICICI Prudential	₹62.3000	3 Jun 2026
Invesco India Multicap Fund - Direct Plan - IDCW (Payout / Reinvestment)	Invesco	₹131.3300	3 Jun 2026
BANDHAN MULTI CAP FUND - IDCW - DIRECT PLAN	Bandhan	₹15.9440	3 Jun 2026
quant Multi Cap Fund-IDCW Option - Direct Plan	Quant	₹81.0721	3 Jun 2026
Aditya Birla Sun Life Multi-Cap Fund-Direct IDCW Payout	Aditya Birla Sun Life	₹18.6600	3 Jun 2026
Motilal Oswal Multi Cap Fund-Direct Plan IDCW	Motilal Oswal	₹12.8171	3 Jun 2026
Franklin India Multi Cap Fund - Direct - IDCW	Franklin India	₹10.4405	3 Jun 2026
Mirae Asset Multicap Fund - Direct Plan - IDCW	Mirae Asset	₹14.5910	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹17.1516
2 Jun 2026	₹17.1244
1 Jun 2026	₹17.0686
31 May 2026	₹17.1967
29 May 2026	₹17.1974
27 May 2026	₹17.3901
26 May 2026	₹17.3444
25 May 2026	₹17.3353
22 May 2026	₹17.1839
21 May 2026	₹17.0915

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 Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹17.1516. It's a Multi Cap Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 15 Mar 2022, a track record of about 4 years 2 months. It's a relatively new scheme. With under 5 years of NAVs, peer comparison is the best yardstick — point-to-point returns can be skewed by entry timing.

SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'Multi Cap Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 0.13% — -1.17 pp behind the Multi Cap Fund category average of 1.31%. The fund ranks #18 of 28 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 15.27% — +0.42 pp ahead of the Multi Cap Fund category average of 14.85%. The fund ranks #8 of 20 in its category — the second (Q2) quartile.

SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) doesn't have a complete 5-year window yet (we need at least 5 year of NAVs). Check the shorter-window returns above.

₹1 lakh invested in SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 3 years ago would be worth approximately ₹153,178 today — a multiplier of 1.53×, based on the 3-year CAGR of 15.27%. The category average over the same window would have grown ₹1 lakh to ₹151,494.

A ₹10,000 monthly SIP in SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 3 years — total invested ₹360,000 — would be worth ₹405,143 today. That's an XIRR (money-weighted annualised return) of 7.82%.

SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) doesn't yet have 10 years of NAVs. Over the longest available window (3-year SIP), ₹10,000/month would have grown to ₹405,143 — XIRR 7.82%.

On a 3-year basis, SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #8 out of 20 funds in the Multi Cap Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 14.85%; this fund delivered 15.27%.

The worst peak-to-trough decline SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 3-year window is 15.11% — its NAV fell from a high on 23 Jul 2025 to a low on 31 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 3-year rolling windows, SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 17.43% (best 21.92%, worst 14.99%). 100% of rolling windows ended positive. The 3-year Sharpe ratio is 0.67 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 2.88% — beating the Multi Cap Fund category average of 1.67% by 1.20 pp. It ranked #11 of 27 in its category that year.

SBI Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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 Multicap Fund- Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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.

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