Should I invest in SBI PSU Fund?

We don't give personal investment advice. SBI PSU Fund - DIRECT PLAN - 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: 24.1%. 5-year CAGR: 24.40%.

SBI

SBI PSU Fund - DIRECT PLAN - GROWTH

Latest NAV

₹38.2599

As of

17 Jul 2026

3,339 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	+0.02%	-0.05%	+0.06	134 / 258	Q3
1W	-0.45%	-0.18%	-0.27	183 / 258	Q3
2W	-0.32%	-0.17%	-0.15	181 / 259	Q3
1M	-2.01%	+1.63%	-3.63	247 / 259	Q4
3M	-4.90%	+4.83%	-9.73	257 / 259	Q4
6M	+1.15%	+4.61%	-3.45	156 / 250	Q3
YTD	+1.71%	+2.98%	-1.27	125 / 247	Q3
1Y	+7.22%	+5.46%	+1.76	91 / 235	Q2
2Y	+0.52%	+4.09%	-3.56	130 / 187	Q3
3Y	+26.45%	+15.93%	+10.52	6 / 148	Q1
4Y	+29.72%	+17.58%	+12.14	2 / 121	Q1
5Y	+24.40%	+13.72%	+10.68	2 / 110	Q1
7Y	+19.86%	+17.79%	+2.07	33 / 91	Q2
10Y	+15.05%	+14.89%	+0.16	38 / 76	Q2
Inception	+11.80%	+12.07%	-0.28	158 / 259	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	+1.71%	+3.40%	-1.69	124 / 244
2025	+11.96%	+4.41%	+7.56	43 / 208
2024	+23.78%	+23.18%	+0.60	65 / 155
2023	+55.50%	+33.51%	+21.98	6 / 127
2022	+30.41%	+4.32%	+26.08	2 / 116
2021	+32.76%	+34.43%	-1.67	46 / 104
2020	-9.79%	+21.19%	-30.98	92 / 94
2019	+5.92%	+9.30%	-3.38	52 / 85
2018	-22.57%	-5.36%	-17.21	75 / 77
2017	+22.09%	+35.61%	-13.51	61 / 76
2016	+15.83%	+4.98%	+10.85	10 / 76

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

+17.55%

153 windows

min -30.5% · max 106.4%

68% positive

3-Year rolling

+14.88%

129 windows

min -15.2% · max 45.0%

87% positive

5-Year rolling

+12.29%

105 windows

min -4.3% · max 35.5%

91% positive

7-Year rolling

+10.75%

80 windows

min -0.9% · max 23.6%

99% 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

20.53%

3-year · annualised

Sharpe ratio

0.93

vs risk-free 6.5%

Sortino ratio

1.90

Downside-only deviation

Max drawdown

-24.10%

Aug 2024 → Feb 2025

% 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹38.2599
16 Jul 2026	₹38.2527
15 Jul 2026	₹38.3231
14 Jul 2026	₹38.2020
13 Jul 2026	₹38.4960
10 Jul 2026	₹38.4322
9 Jul 2026	₹37.8376
8 Jul 2026	₹37.6458
7 Jul 2026	₹38.2756
6 Jul 2026	₹38.4305

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 17 Jul 2026, the NAV of SBI PSU Fund - DIRECT PLAN - GROWTH is ₹38.2599. It's a Sectoral/Thematic Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI PSU Fund - DIRECT PLAN - GROWTH has NAV history starting from 03 Jan 2013, a track record of about 13 years 6 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 PSU Fund - DIRECT PLAN - 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 PSU Fund - DIRECT PLAN - GROWTH has delivered a absolute return of 7.22% — +1.76 pp ahead of the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #91 of 235 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI PSU Fund - DIRECT PLAN - GROWTH has delivered a CAGR of 26.45% — +10.52 pp ahead of the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #6 of 148 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI PSU Fund - DIRECT PLAN - GROWTH has delivered a CAGR of 24.40% — +10.68 pp ahead of the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #2 of 110 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI PSU Fund - DIRECT PLAN - GROWTH exactly 10 years ago would be worth approximately ₹406,322 today — a multiplier of 4.06×, based on the 10-year CAGR of 15.05%. The category average over the same window would have grown ₹1 lakh to ₹400,745.

A ₹10,000 monthly SIP in SBI PSU Fund - DIRECT PLAN - GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹1,055,876 today. That's an XIRR (money-weighted annualised return) of 22.79%.

A ₹10,000 monthly SIP for 10 years in SBI PSU Fund - DIRECT PLAN - GROWTH = ₹1,200,000 invested. It would currently be worth ₹3,235,936 (multiplier 2.70×). XIRR: 18.84%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI PSU Fund - DIRECT PLAN - GROWTH ranks #2 out of 110 funds in the Sectoral/Thematic Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 13.72%; this fund delivered 24.40%.

The worst peak-to-trough decline SBI PSU Fund - DIRECT PLAN - GROWTH has experienced over the last 5-year window is 24.10% — its NAV fell from a high on 01 Aug 2024 to a low on 28 Feb 2025. 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 PSU Fund - DIRECT PLAN - GROWTH averaged 12.29% (best 35.48%, worst -4.34%). 91% of rolling windows ended positive. The 5-year Sharpe ratio is 0.87 — reasonable risk-adjusted performance.

In calendar year 2025, SBI PSU Fund - DIRECT PLAN - GROWTH returned 11.96% — beating the Sectoral/Thematic Fund category average of 4.41% by 7.56 pp. It ranked #43 of 208 in its category that year.

SBI PSU Fund - DIRECT PLAN - 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 PSU Fund - DIRECT PLAN - 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: 24.1%. 5-year CAGR: 24.40%.

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