SBI Retirement Benefit Fund Conservative Hybrid · Regular · Growth
NAV
₹15.8437
as of 31 Jul 2026
Expense Ratio
1.67%
AUM
₹250 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.11%
- 3Y
- +6.96%
- 5Y
- +8.02%
- Since Inception
- +8.69%
SIP returns (XIRR)
- 1Y
- +3.97%
- 3Y
- +4.99%
- 5Y
- +7.05%
- Since Inception
- +7.36%
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 (Aug 2021 – Jul 2026)
A ₹5,000 monthly SIP for the last 5 years (Aug 2021 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,49,841 today — ₹2,95,000 invested, 6.9% XIRR.
₹2,95,000
Invested
₹3,49,841
Value today
6.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Aug 2021 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,46,732 today (8.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2021 would still hold ₹11,17,481.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹3,49,841 in this fund vs ₹3,59,606 in the benchmark — underperformance of ₹9,765.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Aug 2021 – Jul 2026) (3 Jun 2024) would be ₹1,08,810 today (1.09×).
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-0.35
Sharpe Ratio
-0.01
Alpha
0.21
Beta
-0.34
Sortino
6.01%
Std Dev
-6.98%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Banks9.20%
- Industrial Products2.28%
- Consumer Durables2.22%
- Automobiles2.15%
- Finance2.10%
- Cement & Cement Products1.96%
- Auto Components1.88%
- Retailing1.88%
- Construction1.79%
- Pharmaceuticals & Biotechnology1.65%
- Leisure Services1.43%
- Realty1.38%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 16.64% Cgl 203110.01%
- 27.74% State Government Of Tamil Nadu 20367.94%
- 36.90% Cgl 20657.24%
- 4Bharat Sanchar Nigam Ltd.3.95%
- 5National Bank For Agriculture And Rural Development3.92%
- 67.09% Cgl 20743.69%
- 7Hdfc Bank Ltd.2.98%
- 8Summit Digitel Infrastructure Pvt. Ltd.2.94%
- 9Icici Bank Ltd.2.32%
- 10Torrent Power Ltd.2.01%
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 ₹250 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