MF
MFGenie.ai
Retirement Fundregulargrowth📊 CRISIL HYBRID 65+35 - CONSERVATIVE INDEX

SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth

SBI Mutual Fund

#22 of 29 (1Y)

₹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 year
1 Week-1.07%
1 Month-1.49%
3 Months-2.54%
6 Months-2.95%
1 Year-2.00%
3 Years (CAGR)+7.07%
5 Years (CAGR)+7.90%
10 Years (CAGR)
Since Inception (Jan 2021)+8.23%

SIP Returns (XIRR)

₹1,000/month SIP, annualised
1 Year SIP-2.78%
3 Year SIP+3.36%
5 Year SIP+6.13%
Since Inception (Jan 2021)+6.42%

SIP 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Withdrawn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 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

₹1,05,248

Value today

1.1×

Multiple

Staying invested through that crash turned ₹1L into ₹1,05,248 — a 1.1× return

Read: Staying invested through crashes

Direct 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 investment0.34% 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 plans

Fund Details

Fund HouseSBI Mutual Fund
CategoryRetirement Fund
Plan Typeregular
Optiongrowth
AUM₹272 Cr
Expense Ratio1.67%
Min SIP₹500
Min Lumpsum₹5,000
BenchmarkCRISIL HYBRID 65+35 - CONSERVATIVE INDEX ✓
Launch Date20 Jan 2021
AMFI Code148692

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

Equity22 holdings · 3596.0%
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%
Debt28 holdings · 13124.0%
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

Interested in This Fund?

Our experts will help you decide if this fund fits your goals.

+91

By submitting, you agree to our Privacy Policy. No spam, ever.

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