SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth
₹15.2980
₹0.03 (-0.18%)
NAV as of 03 Jun 2026
Today's NAV — all variants
Regular · Growth
₹₹15.2980
₹0.03 (-0.18%)
03 Jun 2026
AMFI: 148692
Direct · Growth
₹₹15.7900
₹0.03 (-0.18%)
03 Jun 2026
AMFI: 148690
Regular · IDCW
₹₹15.2996
₹0.03 (-0.18%)
03 Jun 2026
AMFI: 148697
Direct · IDCW
₹₹15.7879
₹0.03 (-0.18%)
03 Jun 2026
AMFI: 148693
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹32,500
Invested
₹38,623
Value today
6.5%
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
₹7,663
Value today
8.3%
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Withdrawn
₹11,46,266
Corpus left
+₹4,71,266 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
₹8,72,634
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 NAVThis fund trailed its benchmark
Top performers in Retirement Fund by 5Y CAGR
ICICI Prudential Retirement Fund - Pure Equity - Growth Option
ICICI Prudential Retirement Fund - Hybrid Aggressive - Growth Option
HDFC Retirement Savings Fund - Equity Plan - Growth Option
₹1 lakh on the worst crash day — 03 Jun 2024
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,05,248
Value today
1.1×
Multiple
Staying invested through that crash turned ₹1L into ₹1,05,248 — a 1.1× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 5 years
Expense ratio drag on your actual returns
Direct plan
₹36,096
Regular plan
₹35,588
Direct earns ₹508 more on a ₹30K investment — 0.34% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.86
Sharpe Ratio
-0.04
Alpha
0.18
Beta
-0.84
Sortino
5.99%
Std Dev
-6.98%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Apr 2026
| Security | % NAV |
|---|---|
HDFC Bank Ltd. INE040A01034 | 290.00% |
HDFC Bank Ltd. INE040A01034 | 283.00% |
Reliance Industries Ltd. INE002A01018 | 242.00% |
Reliance Industries Ltd. INE002A01018 | 233.00% |
ICICI Bank Ltd. INE090A01021 | 225.00% |
ICICI Bank Ltd. INE090A01021 | 221.00% |
Larsen & Toubro Ltd. INE018A01030 | 174.00% |
State Bank of India INE062A01020 | 172.00% |
State Bank of India INE062A01020 | 162.00% |
Larsen & Toubro Ltd. INE018A01030 | 157.00% |
Maruti Suzuki India Ltd. INE585B01010 | 148.00% |
Maruti Suzuki India Ltd. INE585B01010 | 140.00% |
Ultratech Cement Ltd. INE481G01011 | 129.00% |
Infosys Ltd. INE009A01021 | 125.00% |
Ultratech Cement Ltd. INE481G01011 | 123.00% |
Axis Bank Ltd. INE238A01034 | 122.00% |
Infosys Ltd. INE009A01021 | 115.00% |
Axis Bank Ltd. INE238A01034 | 115.00% |
Urban Company Ltd. INE0CAZ01013 | 107.00% |
Urban Company Ltd. INE0CAZ01013 | 107.00% |
Kotak Mahindra Bank Ltd. INE237A01036 | 105.00% |
Hindalco Industries Ltd. INE038A01020 | 101.00% |
| Security | % NAV |
|---|---|
TREPS | 1545.00% |
6.48% CGL 2035 IN0020250091 | 1131.00% |
6.90% CGL 2065 IN0020250018 | 1076.00% |
6.90% CGL 2065 IN0020250018 | 1065.00% |
6.52% CGL 2031 IN0020180041 | 1036.00% |
6.52% CGL 2031 IN0020180041 | 1007.00% |
7.18% CGL 2037 IN0020230077 | 1005.00% |
Bharat Sanchar Nigam Ltd. INE103D08039 | 402.00% |
Bharat Sanchar Nigam Ltd. INE103D08039 | 391.00% |
7.09% CGL 2074 IN0020240142 | 366.00% |
TREPS | 363.00% |
7.09% CGL 2074 IN0020240142 | 362.00% |
Summit Digitel Infrastructure Pvt. Ltd. INE507T07153 | 299.00% |
Summit Digitel Infrastructure Pvt. Ltd. INE507T07153 | 291.00% |
Net Receivable / Payable | 211.00% |
Torrent Power Ltd. INE813H07309 | 207.00% |
Sundaram Finance Ltd. INE660A08CI7 | 204.00% |
Power Finance Corporation Ltd. INE134E08MJ2 | 203.00% |
REC Ltd. INE020B08EE7 | 202.00% |
Godrej Properties Ltd. INE484J08048 | 201.00% |
Torrent Power Ltd. INE813H07309 | 199.00% |
Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) INE607M08105 | 197.00% |
Power Finance Corporation Ltd. INE134E08MJ2 | 197.00% |
REC Ltd. INE020B08EE7 | 196.00% |
Godrej Properties Ltd. INE484J08048 | 196.00% |
Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) INE607M08105 | 192.00% |
7.43% CGL 2076 IN0020250117 | 191.00% |
7.43% CGL 2076 IN0020250117 | 189.00% |
Performance Comparison
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Investment Objective
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - 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 Plan - Regular Plan - 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