Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansSBI Retirement Benefit Fund Conservative · Regular · Growth
NAV
₹14.5236
as of 28 Sept 2026
Expense Ratio
1.45%
AUM
₹146 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.94%
- 3Y
- +5.92%
- 5Y
- +6.31%
- Since Inception
- +6.85%
SIP returns (XIRR)
- 1Y
- +2.25%
- 3Y
- +3.98%
- 5Y
- +5.77%
- Since Inception
- +5.99%
Returns calculated from 20 January 2021 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 5 years (Sept 2021 – Sept 2026)
A ₹5,000 monthly SIP for the last 5 years (Sept 2021 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,46,185 today — ₹3,00,000 invested, 5.7% XIRR.
₹3,00,000
Invested
₹3,46,185
Value today
5.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Sept 2021 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,35,873 today (6.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2021 would still hold ₹10,12,544.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹3,46,185 in this fund vs ₹3,38,938 in the benchmark — outperformance of ₹7,247.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Sept 2021 – Sept 2026) (3 Jun 2024) would be ₹1,09,877 today (1.10×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.64
Sharpe Ratio
-0.01
Alpha
0.13
Beta
-0.66
Sortino
4.02%
Std Dev
-4.55%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks4.32%
- Automobiles1.51%
- Retailing1.20%
- Auto Components1.08%
- Finance1.05%
- Chemicals & Petrochemicals1.00%
- Pharmaceuticals & Biotechnology0.98%
- Cement & Cement Products0.97%
- Industrial Products0.87%
- Construction0.83%
- Consumer Durables0.82%
- IT - Software0.80%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 16.94% Cgl 203610.67%
- 2Bharat Sanchar Nigam Ltd.7.09%
- 3National Bank For Agriculture And Rural Development7.07%
- 4Summit Digitel Infrastructure Pvt. Ltd.5.30%
- 5Torrent Power Ltd.3.62%
- 6Tata Power Renewable Energy Ltd. (Guaranteed By Tata Power Ltd.)3.61%
- 7Rec Ltd.3.56%
- 8Cholamandalam Investment & Finance Co. Ltd.3.55%
- 9Knowledge Realty Trust3.54%
- 10Muthoot Finance Ltd.3.54%
What this fund does
SBI Retirement Benefit Fund Conservative · Regular · Growth by SBI Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
SBI Retirement Benefit Fund Conservative · Regular · Growth is a Retirement Fund mutual fund offered by SBI Mutual Fund. The fund has been operational for over 5 years. It manages assets worth ₹146 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL HYBRID 85+15 - CONSERVATIVE INDEX. The current expense ratio is 1.45%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach