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

We don't give personal investment advice. SBI PSU 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. Worst 5-year drawdown: 24.1%. 5-year CAGR: 24.45%.

SBI

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

Latest NAV

₹38.4665

As of

3 Jun 2026

3,309 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%	+0.27%	-0.35	184 / 249	Q3
1W	-2.27%	-1.33%	-0.94	193 / 249	Q4
2W	-0.56%	-0.44%	-0.13	164 / 251	Q3
1M	-4.15%	-0.98%	-3.18	239 / 251	Q4
3M	-5.79%	+0.91%	-6.70	211 / 249	Q4
6M	+3.32%	-3.35%	+6.67	58 / 241	Q1
YTD	+1.90%	-3.40%	+5.30	67 / 241	Q2
1Y	+8.80%	+2.11%	+6.68	52 / 225	Q1
2Y	+1.42%	+1.79%	-0.37	94 / 181	Q3
3Y	+30.49%	+12.30%	+18.18	3 / 142	Q1
4Y	+28.96%	+11.74%	+17.22	2 / 122	Q1
5Y	+24.45%	+8.93%	+15.53	1 / 111	Q1
7Y	+19.19%	+13.08%	+6.11	12 / 92	Q1
10Y	+16.17%	+12.03%	+4.14	10 / 77	Q1
Inception	+11.92%	+8.52%	+3.40	101 / 251	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	+1.90%	-2.64%	+4.54	66 / 237
2025	+11.96%	+1.49%	+10.48	29 / 204
2024	+23.77%	+20.10%	+3.67	54 / 158
2023	+55.50%	+30.21%	+25.29	2 / 131
2022	+30.41%	+1.48%	+28.92	2 / 119
2021	+32.76%	+31.54%	+1.22	44 / 106
2020	-9.75%	+19.90%	-29.65	93 / 95
2019	+5.91%	+6.43%	-0.52	44 / 87
2018	-22.62%	-9.17%	-13.46	68 / 78
2017	+22.02%	+32.45%	-10.43	58 / 77
2016	+15.87%	+2.96%	+12.92	10 / 77

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

+16.97%

152 windows

min -28.4% · max 100.5%

63% positive

3-Year rolling

+14.20%

127 windows

min -15.2% · max 44.0%

83% positive

5-Year rolling

+11.93%

103 windows

min -4.4% · max 34.0%

91% positive

7-Year rolling

+10.38%

79 windows

min 0.1% · max 21.6%

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

21.77%

3-year · annualised

Sharpe ratio

1.04

vs risk-free 6.5%

Sortino ratio

2.18

Downside-only deviation

Max drawdown

-24.10%

Aug 2024 → Feb 2025

% positive months

63.9%

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 - IDCW Option - Direct Plan	HDFC	₹15.9390	3 Jun 2026
NIPPON INDIA - JAPAN EQUITY FUND - DIRECT Plan - IDCW Option	Nippon India	₹31.2458	3 Jun 2026
SBI Automotive Opportunities Fund - Direct Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.7560	3 Jun 2026
ICICI Prudential Banking and Financial Services Fund - Direct Plan - IDCW	ICICI Prudential	₹64.9400	3 Jun 2026
Invesco India Business Cycle Fund - Direct Plan - IDCW	Invesco	₹13.3100	3 Jun 2026
Bandhan Business Cycle Fund - Direct Plan - IDCW	Bandhan	₹9.6290	3 Jun 2026
quant BFSI Fund - IDCW Option - Direct Plan	Quant	₹20.2732	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - DIRECT - IDCW	Aditya Birla Sun Life	₹29.4200	3 Jun 2026
Motilal Oswal Active Momentum Fund- Direct-IDCW	Motilal Oswal	₹13.3281	3 Jun 2026
Franklin India Multi-Factor Fund- Direct- IDCW	Franklin India	₹9.3581	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹38.4665
2 Jun 2026	₹38.2752
1 Jun 2026	₹38.3064
31 May 2026	₹38.6055
29 May 2026	₹38.6069
27 May 2026	₹39.2954
26 May 2026	₹39.1651
25 May 2026	₹39.2063
22 May 2026	₹38.5091
21 May 2026	₹38.5629

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 PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹38.4665. It's a Sectoral/Thematic Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 02 Jan 2013, a track record of about 13 years 5 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 - Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 8.80% — +6.68 pp ahead of the Sectoral/Thematic Fund category average of 2.11%. The fund ranks #52 of 225 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 30.49% — +18.18 pp ahead of the Sectoral/Thematic Fund category average of 12.30%. The fund ranks #3 of 142 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 24.45% — +15.53 pp ahead of the Sectoral/Thematic Fund category average of 8.93%. The fund ranks #1 of 111 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹447,532 today — a multiplier of 4.48×, based on the 10-year CAGR of 16.17%. The category average over the same window would have grown ₹1 lakh to ₹311,351.

A ₹10,000 monthly SIP in SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹1,088,367 today. That's an XIRR (money-weighted annualised return) of 24.03%.

A ₹10,000 monthly SIP for 10 years in SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹3,286,672 (multiplier 2.74×). XIRR: 19.13%. 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 - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #1 out of 111 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 8.93%; this fund delivered 24.45%.

The worst peak-to-trough decline SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 11.93% (best 34.04%, worst -4.43%). 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 - Income Distribution cum Capital Withdrawal Option (IDCW) returned 11.96% — beating the Sectoral/Thematic Fund category average of 1.49% by 10.48 pp. It ranked #29 of 204 in its category that year.

SBI PSU 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 PSU 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. Worst 5-year drawdown: 24.1%. 5-year CAGR: 24.45%.

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