Sectoral & Thematic Fund · SIP history from AMFI NAVs
SBI Comma Fund SIP calculator & returns
A ₹10,000 monthly SIP in the Direct plan for the last 10 years (Nov 2016 onward) would be worth ₹26.36 L on 1 Oct 2026, on ₹12,00,000 invested — an XIRR of 15.3%. After tax on full redemption: ₹24.76 L.
Historical simulation on actual NAVs — not a forecast and not investment advice. Disclaimer
Invested — over — instalments; valued at NAV of —:
| Year | Invested | Value at year end | XIRR to date |
|---|
₹10,000 a month in SBI Comma Fund: what it became
Each row is a monthly SIP that ends today (1 Oct 2026). Post-tax assumes you redeem everything today with no other capital gains this year.
| SIP period | Invested | Direct value | Direct XIRR | Direct post-tax | Regular value | Regular XIRR |
|---|---|---|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1.20 L | 0.1% | ₹1.20 L | ₹1.20 L | -0.7% |
| 3 years | ₹3,60,000 | ₹4.03 L | 7.9% | ₹4.03 L | ₹3.99 L | 7.1% |
| 5 years | ₹6,00,000 | ₹8.05 L | 12.1% | ₹7.95 L | ₹7.91 L | 11.3% |
| 10 years | ₹12,00,000 | ₹26.36 L | 15.3% | ₹24.76 L | ₹25.36 L | 14.5% |
| Since launch of each plan | varies | ₹51.46 L | 15.4% | ₹47.85 L | ₹97.20 L | 11.9% |
Same ₹10,000/month for 10 years, same fund manager, same portfolio: the Regular plan ended ₹99,304 lower (3.8% of the Direct value). The XIRR gap is 0.73 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Did SBI Comma Fund beat a plain Nifty 50 index fund?
We ran the same monthly SIP on the same dates in SBI Comma Fund and in UTI Nifty 50 Index Fund (Direct plans) — every 5-year SIP that could start between Feb 2013 and Oct 2021, 105 in all. SBI Comma Fund finished ahead in 88 of 105 (84%) — ahead in most of them. The median gap was +2.8 percentage points a year; the worst -3.3 (started Sep 2014), the best +9.7 (started Aug 2016).
A ₹10,000 monthly SIP over the last 5 years (Nov 2021 onward) is worth ₹8.05 L in SBI Comma Fund (XIRR 12.1%) against ₹6.61 L in the index fund (XIRR 3.9%) — ₹1,44,037 more in the active fund.
XIRR of every 5-year monthly SIP, by the month it started. Gap = fund XIRR minus index fund XIRR, in percentage points a year.
| Window | SIPs compared | Fund ahead | Median gap | Worst gap | Best gap |
|---|---|---|---|---|---|
| 3-year SIPs | 129 | 72% | +3.8 pp | -10.4 ppstarted Sep 2016 | +21.6 ppstarted Aug 2018 |
| 5-year SIPs | 105 | 84% | +2.8 pp | -3.3 ppstarted Sep 2014 | +9.7 ppstarted Aug 2016 |
The index fund's NAV already includes its own expense ratio and tracking error, so this is what you would actually have earned. The comparison uses the Nifty 50 index fund we match to this category, which may differ from the fund's official benchmark, and it can only cover months where both funds have NAVs (Feb 2013 to Oct 2026). Only funds that still exist are compared; merged or closed funds, often the weaker ones, drop out of AMFI's list, which flatters active funds as a group (how this comparison works).
Every SIP this fund has ever allowed: rolling returns
We started a 5-year SIP in every month the Regular plan's history allows — 187 separate SIPs. The worst returned -9.7% a year (started Aug 2008), the median 12.5%, the best 26.8%; 11% of them lost money. That spread is the honest answer to “what return should I expect?” — not a single trailing number.
XIRR of every 5-year monthly SIP in the Regular plan, plotted by the month it started. Dashed line: 6% a year.
| Window | SIPs tested | Worst XIRR | Median | Best XIRR | Lost money | Beat 6% |
|---|---|---|---|---|---|---|
| 3-year SIPs | 211 | -20.9%Aug 2010–Aug 2013 | 14.2% | 43.8%Oct 2018–Oct 2021 | 17% | 71% |
| 5-year SIPs | 187 | -9.7%Aug 2008–Aug 2013 | 12.5% | 26.8%Oct 2019–Oct 2024 | 11% | 72% |
| 10-year SIPs | 127 | 1.4%Apr 2010–Apr 2020 | 13.7% | 19.7%Oct 2014–Oct 2024 | 0% | 94% |
Rolling figures use the Regular plan (longer history). SIP on the first business day of each month; units valued at the NAV one month after the last instalment.
Questions about SBI Comma Fund SIPs
What would a ₹5,000 monthly SIP in SBI Comma Fund for 5 years be worth today?
About ₹4.02 L on ₹3,00,000 invested (Direct plan, Nov 2021 to Oct 2026), an XIRR of 12.1%. Scale linearly for other amounts, or use the calculator above for any start month.
What is the 10-year SIP return of SBI Comma Fund?
A monthly SIP over the last 10 years in the Direct plan earned an XIRR of 15.3% as of 1 Oct 2026. Rolling 10-year SIPs across the fund's history are shown on this page because a single trailing number depends heavily on today's market level.
Has a 5-year SIP in SBI Comma Fund ever lost money?
Yes. 11% of 187 rolling 5-year SIPs ended with a negative XIRR; the worst was -9.7% (Aug 2008–Aug 2013).
Has SBI Comma Fund beaten a Nifty 50 index fund?
In 88 of 105 rolling 5-year SIPs (84%) on the same dates, SBI Comma Fund ended ahead of UTI Nifty 50 Index Fund (Direct plans, SIPs started Feb 2013 to Oct 2021). Median difference: +2.8 percentage points a year.
Direct or Regular plan of SBI Comma Fund — how much does it matter?
Same ₹10,000/month for 10 years, same fund manager, same portfolio: the Regular plan ended ₹99,304 lower (3.8% of the Direct value). The XIRR gap is 0.73 percentage points a year — that is the distributor commission inside the Regular plan's expense ratio, compounding against you. Direct vs Regular, explained.
Where does this data come from?
Daily NAVs published by AMFI (Association of Mutual Funds in India). We take the first NAV of each month as the SIP date and value units at the latest NAV. Updated monthly.
How these numbers are calculated
NAVs are AMFI's official daily NAVs (Growth option). Instalments fall on the first business day of each month; stamp duty (0.005%) and exit loads are ignored. Returns are XIRR on actual dates. Tax: 12.5% LTCG above ₹1.25 lakh on units held over a year, 20% STCG on the rest, and Section 112A grandfathering at the 31-Jan-2018 NAV for older units. Full method: methodology.
Past performance does not indicate future returns. This page is a historical calculation, not a recommendation to buy, hold or sell this fund. sipcalculatorhub.com is not a SEBI-registered investment adviser.
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