SBI Retirement Benefit Fund Conservative Hybrid · Regular · Growth
NAV
₹15.5916
as of 16 Jun 2026
Expense Ratio
1.67%
AUM
₹272 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.31%
- 3Y
- +7.20%
- 5Y
- +8.16%
- Since Inception
- +8.57%
SIP returns (XIRR)
- 1Y
- +1.44%
- 3Y
- +4.49%
- 5Y
- +6.79%
- Since Inception
- +7.09%
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 —.
This fund trailed its benchmark
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SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹32,500
Invested
₹38,595
Value today
6.4%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹5,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹5,000
Invested
₹7,657
Value today
8.2%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹3,25,000
Withdrawn
₹11,45,421
Corpus left
+₹4,70,421 net gain — withdrew ₹3,25,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹8,72,025
Value today
-5.1%
vs lumpsum
Direct lumpsum would have beaten STP by 5.1% — but STP reduced timing risk
Model your own STP with real NAV₹1 lakh on the worst crash day — 03 Jun 2024
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,05,170
Value today
1.1×
Multiple
Staying invested through that crash turned ₹1L into ₹1,05,170 — a 1.1× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.57
Sharpe Ratio
-0.02
Alpha
0.20
Beta
-0.56
Sortino
6.02%
Std Dev
-6.98%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Apr 2026- Banks9.14%
- Petroleum Products2.42%
- Auto Components2.37%
- Industrial Products2.27%
- Consumer Durables2.18%
- Automobiles2.18%
- Finance1.97%
- Construction1.74%
- IT - Software1.57%
- Retailing1.52%
- Leisure Services1.47%
- Realty1.33%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Treps15.45%
- 26.48% Cgl 203511.31%
- 36.90% Cgl 206510.65%
- 46.52% Cgl 203110.07%
- 5Bharat Sanchar Nigam Ltd.3.91%
- 67.09% Cgl 20743.62%
- 7Summit Digitel Infrastructure Pvt. Ltd.2.91%
- 8Hdfc Bank Ltd.2.90%
- 9Reliance Industries Ltd.2.42%
- 10Icici Bank Ltd.2.25%
Investment Objective
SBI Retirement Benefit Fund Conservative Hybrid · 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 Hybrid · 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 ₹272 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL HYBRID 65+35 - CONSERVATIVE INDEX. The current expense ratio is 1.67%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations