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SBI PSU Fund - Direct 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: 84/100 · Excellent
How this score is calculated
- Star rating (35%)4/5
- 3Y CAGR (30%)20.25%
- Expense ratio (20%)0.97%
- AUM (15%)₹6,703 Cr
Not investment advice — an analytical read of public fund data. Methodology →
SBI Mutual Fund · Equity · Thematic
₹37.23
AUM: ₹6,703 Cr
NAV updated 6 days ago
Plan
Direct
Option
Idcw
Risk
Very High
Expense Ratio
0.97%
Exit Load
Exit load of 0.50% if redeemed within 30 days.
Fund Manager
Richard Dsouza
Inception
Jan 2013
Benchmark
BSE PSU Total Return Index
Sharpe Ratio
-0.08
Std Dev (1Y)
14.8%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-3.03%
3m
-5.88%
6m
-1.25%
1y
+4.98%
3y
+20.25%
5y
+23.59%
10y
+13.99%
since inception
+11.47%
TopFund's Take on SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks among the stronger performers in the Thematic category, backed by a 4-star rating. Consistent 3-year performance combined with a strong rating makes this one of the more credible options in its space. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 84/100.
Cost: At 0.97%, the expense ratio is roughly in line with the Thematic category average of 0.99% — cost isn't a standout factor either way for this fund.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.08 — 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 14.8% is fairly typical for Thematic funds.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Equity fund. Given the Very High risk rating, this fund is not suited to short-term goals or investors who may need to exit within 2-3 years.
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 PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹37.23. NAV is updated every business day after market close by AMFI.
1Y: 4.98% · 3Y CAGR: 20.25% · 5Y CAGR: 23.59%
The expense ratio of SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is 0.97% per annum. This is the annual fee charged by the fund to manage your investment.
SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Richard Dsouza at SBI Mutual Fund.
SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is classified as a Very High risk fund. It is suitable for aggressive investors with a long-term horizon of 5+ years.
SBI PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is a Thematic fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in SBI PSU Fund - Direct 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 PSU Fund - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹6,703 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.
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