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: 23.07%.

SBI

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

Latest NAV

₹34.3988

As of

17 Jul 2026

3,941 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%	-0.06%	+0.08	81 / 168	Q2
1W	-0.47%	-0.22%	-0.25	120 / 168	Q3
2W	-0.36%	-0.98%	+0.62	125 / 170	Q3
1M	-2.09%	+0.82%	-2.91	160 / 170	Q4
3M	-5.13%	+3.83%	-8.97	164 / 170	Q4
6M	+0.66%	+1.86%	-1.21	94 / 162	Q3
YTD	+1.17%	-0.06%	+1.23	75 / 160	Q2
1Y	+6.15%	+1.21%	+4.94	44 / 150	Q2
2Y	-0.52%	-0.78%	+0.26	62 / 109	Q3
3Y	+25.10%	+9.09%	+16.02	3 / 76	Q1
4Y	+28.33%	+9.79%	+18.54	2 / 58	Q1
5Y	+23.07%	+5.30%	+17.77	1 / 48	Q1
7Y	+18.70%	+13.56%	+5.14	7 / 32	Q1
10Y	+14.02%	+11.31%	+2.72	5 / 23	Q1
Inception	+7.97%	+7.30%	+0.67	92 / 170	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	+1.17%	+1.20%	-0.03	75 / 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

+11.99%

183 windows

min -30.9% · max 104.1%

57% positive

3-Year rolling

+11.10%

159 windows

min -15.8% · max 43.5%

80% positive

5-Year rolling

+9.39%

135 windows

min -4.9% · max 34.1%

83% positive

7-Year rolling

+7.89%

110 windows

min -1.4% · max 22.4%

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

20.50%

3-year · annualised

Sharpe ratio

0.88

vs risk-free 6.5%

Sortino ratio

1.76

Downside-only deviation

Max drawdown

-24.59%

Aug 2024 → Feb 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 Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC INNOVATION FUND - IDCW - REGULAR PLAN	HDFC	₹11.1190	17 Jul 2026
Nippon India Active Momentum Fund- Regular Plan- IDCW Option	Nippon India	₹12.8415	17 Jul 2026
SBI Automotive Opportunities Fund - Regular Plan - Income Distribution Cum Capital Withdrawal Option	SBI	₹12.2938	17 Jul 2026
Invesco India Business Cycle Fund - Regular Plan - IDCW	Invesco	₹14.1900	17 Jul 2026
Bandhan Business Cycle Fund - Regular Plan - IDCW	Bandhan	₹9.9190	17 Jul 2026
quant BFSI Fund - IDCW Option - Regular Plan	Quant	₹21.0055	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - REGULAR - IDCW	Aditya Birla Sun Life	₹23.5200	17 Jul 2026
Motilal Oswal Active Momentum Fund - Regular- IDCW	Motilal Oswal	₹13.5064	17 Jul 2026
Mirae Asset Banking and Financial Services Fund Regular IDCW	Mirae Asset	₹21.9730	17 Jul 2026
Kotak Active Momentum Fund - Regular Plan - IDCW - Payout & Reinvestment	Kotak	₹10.6840	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹34.3988
16 Jul 2026	₹34.3934
15 Jul 2026	₹34.4576
14 Jul 2026	₹34.3497
13 Jul 2026	₹34.6150
10 Jul 2026	₹34.5605
9 Jul 2026	₹34.0267
8 Jul 2026	₹33.8552
7 Jul 2026	₹34.4225
6 Jul 2026	₹34.5627

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 - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹34.3988. 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 16 years. 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 6.15% — +4.94 pp ahead of the Sectoral/Thematic Fund category average of 1.21%. The fund ranks #44 of 150 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI PSU Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 25.10% — +16.02 pp ahead of the Sectoral/Thematic Fund category average of 9.09%. The fund ranks #3 of 76 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 23.07% — +17.77 pp ahead of the Sectoral/Thematic Fund category average of 5.30%. The fund ranks #1 of 48 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 ₹371,507 today — a multiplier of 3.72×, based on the 10-year CAGR of 14.02%. The category average over the same window would have grown ₹1 lakh to ₹291,949.

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 ₹1,021,559 today. That's an XIRR (money-weighted annualised return) of 21.42%.

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 ₹3,049,772 (multiplier 2.54×). XIRR: 17.75%. 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 48 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 5.30%; this fund delivered 23.07%.

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 9.39% (best 34.10%, worst -4.94%). 83% of rolling windows ended positive. The 5-year Sharpe ratio is 0.81 — 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: 23.07%.

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