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 Hybrid · Regular · Growth
NAV
₹15.6137
as of 29 Sept 2026
Expense Ratio
1.77%
AUM
₹254 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.09%
- 3Y
- +6.04%
- 5Y
- +6.93%
- Since Inception
- +8.23%
SIP returns (XIRR)
- 1Y
- +0.75%
- 3Y
- +3.27%
- 5Y
- +5.95%
- Since Inception
- +6.45%
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 ₹3,47,570 today — ₹3,00,000 invested, 5.9% XIRR.
₹3,00,000
Invested
₹3,47,570
Value today
5.9%
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 ₹1,39,777 today (6.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2021 would still hold ₹10,50,205.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹3,47,570 in this fund vs ₹3,37,985 in the benchmark — outperformance of ₹9,585.
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 ₹1,07,230 today (1.07×).
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-0.36
Sharpe Ratio
-0.01
Alpha
0.21
Beta
-0.36
Sortino
5.90%
Std Dev
-6.98%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks8.75%
- Automobiles2.84%
- Retailing2.52%
- Chemicals & Petrochemicals2.01%
- Finance2.01%
- Pharmaceuticals & Biotechnology1.99%
- Cement & Cement Products1.95%
- Auto Components1.95%
- Consumer Durables1.77%
- Industrial Products1.72%
- Construction1.66%
- IT - Software1.65%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 16.64% Cgl 203110.11%
- 27.74% State Government Of Tamil Nadu 20367.90%
- 3Bharat Sanchar Nigam Ltd.3.90%
- 4National Bank For Agriculture And Rural Development3.90%
- 5Summit Digitel Infrastructure Pvt. Ltd.2.92%
- 6Hdfc Bank Ltd.2.48%
- 7Icici Bank Ltd.2.48%
- 8Torrent Power Ltd.1.99%
- 9Tata Power Renewable Energy Ltd. (Guaranteed By Tata Power Ltd.)1.99%
- 10Power Finance Corporation Ltd.1.97%
What this fund does
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 ₹254 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 1.77%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach