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SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ TopFund est.
TopFund Score (fallback rating)
- Calculated by: TopFund — used only when no third-party rating exists for this fund
- Formula: 3-year trailing return percentile within category, adjusted ±1 star for expense ratio
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: A simplified 2-factor estimate, not equivalent to a rating agency's full analysis
TopFund Score: 55/100 · Average
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)5.76%
- Expense ratio (20%)0.48%
- AUM (15%)₹1,064 Cr
Not investment advice — an analytical read of public fund data. Methodology →
SBI Mutual Fund · Equity · Large Cap
₹11.97
AUM: ₹1,064 Cr
NAV updated 6 days ago
Plan
Regular
Option
Idcw
Risk
High
Expense Ratio
0.48%
Exit Load
Exit load of 0.25%, if redeemed within 15 days.
Fund Manager
Viral Chhadva
Inception
Jan 2024
Benchmark
NIFTY 50 Equal Weight Total Return Index
Sharpe Ratio
-0.85
Std Dev (1Y)
13.24%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-3.29%
3m
-1.76%
6m
+5.54%
1y
-0.85%
3y
+5.76%
5y
+6.52%
10y
+10.81%
since inception
+9.87%
TopFund's Take on SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) sits in the middle of the pack for Large Cap funds, currently carrying a 2-star rating. Returns have been soft relative to what the category has offered — worth checking if this is a temporary phase or a longer pattern. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 55/100.
Cost: At 0.48%, the expense ratio is meaningfully cheaper — about 20% below the Large Cap category average of 0.6% (based on 453 comparable funds). Lower costs compound in your favour over long holding periods.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.85 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 13.24% is fairly typical for Large Cap funds.
Who should invest: This fund is best suited to conservative equity investors or those wanting a stable core holding, typically with a 3+ year horizon. The High risk rating means near-term volatility should be expected — this isn't a fund to check daily.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹11.97. NAV is updated every business day after market close by AMFI.
1Y: -0.85% · 3Y CAGR: 5.76% · 5Y CAGR: 6.52%
The expense ratio of SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is 0.48% per annum. This is the annual fee charged by the fund to manage your investment.
SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Viral Chhadva at SBI Mutual Fund.
SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is classified as a High risk fund. It is suitable for investors with a long-term horizon of 3+ years.
Yes, SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is an equity fund, making it suitable for SIP investments. Regular monthly SIPs help average out market volatility through rupee-cost averaging.
You can start a SIP in SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of SBI Nifty Index Fund - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹1,064 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
Discussion
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