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

We don't give personal investment advice. SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.8%. 5-year CAGR: 9.18%.

SBI

SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹108.4165

As of

24 Jul 2026

4,989 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	-0.36%	-0.22%	-0.14	62 / 77	Q4
1W	-2.27%	-1.26%	-1.01	60 / 77	Q4
2W	-1.74%	-1.05%	-0.69	50 / 77	Q3
1M	-0.92%	-0.37%	-0.55	48 / 74	Q3
3M	-0.02%	+1.28%	-1.31	43 / 62	Q3
6M	-4.66%	-0.22%	-4.44	44 / 62	Q3
YTD	-8.63%	-3.35%	-5.28	43 / 61	Q3
1Y	-4.50%	+0.16%	-4.66	43 / 61	Q3
2Y	-0.64%	+1.79%	-2.43	37 / 54	Q3
3Y	+7.22%	+9.29%	-2.06	30 / 52	Q3
4Y	+10.03%	+10.96%	-0.93	16 / 36	Q2
5Y	+9.18%	+8.95%	+0.23	8 / 24	Q2
7Y	+11.78%	+11.49%	+0.29	7 / 23	Q2
10Y	+11.25%	+10.88%	+0.37	7 / 22	Q2
Inception	+10.04%	+7.35%	+2.69	21 / 77	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	-8.63%	-3.35%	-5.28	43 / 61
2025	+10.88%	+7.96%	+2.92	15 / 57
2024	+9.43%	+12.60%	-3.17	24 / 52
2023	+20.10%	+21.36%	-1.26	18 / 46
2022	+5.10%	+3.06%	+2.04	10 / 30
2021	+24.34%	+23.37%	+0.96	7 / 23
2020	+14.61%	+15.15%	-0.55	17 / 23
2019	+12.07%	+11.82%	+0.26	15 / 23
2018	+4.74%	+4.05%	+0.69	11 / 22
2017	+28.09%	+27.94%	+0.15	5 / 22
2016	+3.18%	+2.43%	+0.74	6 / 22

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

+12.47%

236 windows

min -55.9% · max 96.8%

78% positive

3-Year rolling

+11.05%

211 windows

min -2.3% · max 27.4%

98% positive

5-Year rolling

+10.95%

187 windows

min -0.8% · max 23.9%

98% positive

7-Year rolling

+10.74%

163 windows

min 4.2% · max 17.1%

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

11.04%

3-year · annualised

Sharpe ratio

0.10

vs risk-free 6.5%

Sortino ratio

0.15

Downside-only deviation

Max drawdown

-15.62%

Sep 2024 → Mar 2025

% positive months

66.7%

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 Index Fund

Scheme	Fund house	NAV	As of
HDFC BSE Sensex Index Fund - Growth Plan	HDFC	₹709.2343	24 Jul 2026
Nippon India Index Fund - BSE Sensex Plan - Growth Plan - Bonus Option	Nippon India	₹38.9168	24 Jul 2026
SBI NIFTY INDEX FUND - REGULAR PLAN - GROWTH	SBI	₹211.3139	24 Jul 2026
ICICI Prudential BSE Sensex Index Fund - Cumulative Option	ICICI Prudential	₹25.0502	24 Jul 2026
Franklin India Index Fund- NSE Nifty 50 Index Fund - Growth	Franklin Templeton	₹192.7160	24 Jul 2026
UTI Nifty 50 Index Fund - Regular Plan - Growth Option	UTI	₹164.6629	24 Jul 2026
Aditya Birla Sun Life Nifty 50 Index Fund - Growth - Regular Plan	Birla Sun Life	₹242.0041	24 Jul 2026
Groww Nifty Private Bank Index Fund Direct Growth		₹10.1496	24 Jul 2026
LIC MF BSE Sensex Index Fund-Regular Plan-Growth	LIC	₹142.4540	24 Jul 2026
Sundaram Nifty 100 Equal Weight Fund (Formerly Known as Principal Nifty 100 Equal Weight Fund)-Growth	Sundaram	₹182.0452	24 Jul 2026

Recent NAVs

Date	NAV
24 Jul 2026	₹108.4165
23 Jul 2026	₹108.8103
22 Jul 2026	₹109.3891
21 Jul 2026	₹110.2631
20 Jul 2026	₹110.4967
17 Jul 2026	₹110.9364
16 Jul 2026	₹109.7290
15 Jul 2026	₹109.7557
14 Jul 2026	₹109.6239
13 Jul 2026	₹110.3511

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 24 Jul 2026, the NAV of SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹108.4165. It's a Index Fund from SBI, run as a Unknown plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 03 Apr 2006, a track record of about 20 years 3 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 Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by SBI. It's classified by AMFI under the 'Index Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of -4.50% — -4.66 pp behind the Index Fund category average of 0.16%. The fund ranks #43 of 61 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 7.22% — -2.06 pp behind the Index Fund category average of 9.29%. The fund ranks #30 of 52 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 9.18% — +0.23 pp ahead of the Index Fund category average of 8.95%. The fund ranks #8 of 24 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹290,397 today — a multiplier of 2.90×, based on the 10-year CAGR of 11.25%. The category average over the same window would have grown ₹1 lakh to ₹280,953.

A ₹10,000 monthly SIP in SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹712,374 today. That's an XIRR (money-weighted annualised return) of 6.80%.

A ₹10,000 monthly SIP for 10 years in SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹2,111,175 (multiplier 1.76×). XIRR: 10.88%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #8 out of 24 funds in the Index Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 8.95%; this fund delivered 9.18%.

The worst peak-to-trough decline SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 16.76% — its NAV fell from a high on 18 Oct 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 Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 10.95% (best 23.94%, worst -0.76%). 98% of rolling windows ended positive. The 5-year Sharpe ratio is 0.25 — weak risk-adjusted performance.

In calendar year 2025, SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 10.88% — beating the Index Fund category average of 7.96% by 2.92 pp. It ranked #15 of 57 in its category that year.

SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 16.8%. 5-year CAGR: 9.18%.

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