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SBI Banking & Financial Services Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

SBI · Sectoral
Very High
₹38.25
Current NAV
04 Nov 2026
-4.3%
1Y Return
14.0%
3Y CAGR
10.1%
5Y CAGR
Watchlist
NAV History (1 Year)
Analysis & Suitability
Pros / Upsides
  • Excellent risk-adjusted performance (Sharpe Ratio: 1.99).
  • Professionally managed by an established fund house with experienced fund managers.
  • Well-diversified portfolio aligned with the Sectoral mandate.
Cons / Risks
  • Subject to high equity market volatility and short-term capital fluctuations.
  • Higher expense ratio (1.99%) which can affect compounding over long horizons.
Suitable for
  • Long-term wealth creation (5+ years horizon) like retirement or child education.
  • Systematic investments (SIP) for long-term target goal-based planning.
Not suitable for
  • Short-term goals (under 3 years) where preserving the capital is the main priority.
  • Short-term trading or speculative investment horizons.
Risk Profile: Very High Risk
Low Moderate High Very High
Risk Metrics
1.99
Sharpe Ratio
1.59
Beta
0.99
Alpha
2.77
Sortino
Fund Details
Fund House SBI
Category Sectoral
AUM ₹9540 Cr
Expense Ratio 1.99%
Min SIP ₹500
Min Lumpsum ₹1000
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