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

We don't give personal investment advice. SBI PSU Fund - Regular 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: 24.6%. 5-year CAGR: 23.13%.

SBI

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

Latest NAV

₹34.6756

As of

3 Jun 2026

3,910 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%	+0.26%	-0.34	124 / 168	Q3
1W	-2.29%	-1.38%	-0.91	128 / 168	Q4
2W	-0.60%	-0.76%	+0.16	109 / 170	Q3
1M	-4.22%	-1.31%	-2.92	165 / 170	Q4
3M	-6.03%	+0.23%	-6.26	140 / 168	Q4
6M	+2.80%	-4.26%	+7.06	37 / 160	Q1
YTD	+1.48%	-4.32%	+5.80	41 / 160	Q2
1Y	+7.70%	+0.77%	+6.93	32 / 146	Q1
2Y	+0.36%	+0.22%	+0.14	59 / 104	Q3
3Y	+29.09%	+9.45%	+19.64	2 / 69	Q1
4Y	+27.59%	+8.63%	+18.96	2 / 56	Q1
5Y	+23.13%	+4.66%	+18.47	1 / 46	Q1
7Y	+18.05%	+11.96%	+6.09	6 / 32	Q1
10Y	+15.15%	+11.40%	+3.75	1 / 23	Q1
Inception	+8.05%	+5.31%	+2.74	78 / 170	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	+1.48%	-3.11%	+4.59	41 / 158
2025	+10.82%	-0.40%	+11.21	17 / 129
2024	+22.39%	+19.58%	+2.81	34 / 84
2023	+53.79%	+28.75%	+25.04	2 / 62
2022	+29.02%	+0.21%	+28.81	1 / 54
2021	+31.42%	+28.31%	+3.11	16 / 43
2020	-10.35%	+22.29%	-32.64	34 / 34
2019	+5.40%	+7.10%	-1.71	18 / 29
2018	-23.52%	-10.71%	-12.81	21 / 23
2017	+21.46%	+33.65%	-12.19	17 / 23
2016	+15.38%	+5.47%	+9.91	7 / 23

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

+11.53%

182 windows

min -28.8% · max 98.3%

54% positive

3-Year rolling

+10.43%

158 windows

min -15.8% · max 42.4%

79% positive

5-Year rolling

+9.16%

133 windows

min -5.1% · max 32.6%

82% positive

7-Year rolling

+7.59%

109 windows

min -0.5% · max 20.4%

98% 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

21.75%

3-year · annualised

Sharpe ratio

0.99

vs risk-free 6.5%

Sortino ratio

2.05

Downside-only deviation

Max drawdown

-24.59%

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 INNOVATION FUND - IDCW - REGULAR PLAN	HDFC	₹10.4050	3 Jun 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.0306	3 Jun 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹11.4968	3 Jun 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹13.0300	3 Jun 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.3840	3 Jun 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹19.3086	3 Jun 2026
Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW	Aditya Birla Sun Life	₹21.5800	3 Jun 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.3125	3 Jun 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹20.1370	3 Jun 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.2820	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹34.6756
2 Jun 2026	₹34.5041
1 Jun 2026	₹34.5331
31 May 2026	₹34.8036
29 May 2026	₹34.8067
27 May 2026	₹35.4293
26 May 2026	₹35.3128
25 May 2026	₹35.3509
22 May 2026	₹34.7250
21 May 2026	₹34.7745

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 - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹34.6756. It's a Sectoral/Thematic Fund from SBI, run as a Regular plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI PSU Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has NAV history starting from 12 Jul 2010, a track record of about 15 years 10 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 PSU Fund - Regular 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 - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of 7.70% — +6.93 pp ahead of the Sectoral/Thematic Fund category average of 0.77%. The fund ranks #32 of 146 in its category — the top (Q1) quartile.

Over the trailing 3-year window, SBI PSU Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 29.09% — +19.64 pp ahead of the Sectoral/Thematic Fund category average of 9.45%. The fund ranks #2 of 69 in its category — the top (Q1) quartile.

Over the trailing 5-year window, SBI PSU Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 23.13% — +18.47 pp ahead of the Sectoral/Thematic Fund category average of 4.66%. The fund ranks #1 of 46 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI PSU Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 10 years ago would be worth approximately ₹409,896 today — a multiplier of 4.10×, based on the 10-year CAGR of 15.15%. The category average over the same window would have grown ₹1 lakh to ₹294,429.

A ₹10,000 monthly SIP in SBI PSU Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹1,052,876 today. That's an XIRR (money-weighted annualised return) of 22.66%.

A ₹10,000 monthly SIP for 10 years in SBI PSU Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) = ₹1,200,000 invested. It would currently be worth ₹3,098,910 (multiplier 2.58×). XIRR: 18.04%. 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 - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #1 out of 46 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 4.66%; this fund delivered 23.13%.

The worst peak-to-trough decline SBI PSU Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has experienced over the last 5-year window is 24.59% — 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 - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 9.16% (best 32.63%, worst -5.10%). 82% of rolling windows ended positive. The 5-year Sharpe ratio is 0.82 — reasonable risk-adjusted performance.

In calendar year 2025, SBI PSU Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 10.82% — beating the Sectoral/Thematic Fund category average of -0.40% by 11.21 pp. It ranked #17 of 129 in its category that year.

SBI PSU Fund - Regular 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 - Regular 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: 24.6%. 5-year CAGR: 23.13%.

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