SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth
₹14.2127
₹0.00 (+0.02%)
NAV as of 31 May 2026
Today's NAV — all variants
Regular · Growth
₹₹14.2127
₹0.00 (+0.02%)
31 May 2026
AMFI: 148696
Direct · Growth
₹₹14.5889
₹0.00 (+0.02%)
31 May 2026
AMFI: 148688
Regular · IDCW
₹₹14.2125
₹0.00 (+0.02%)
31 May 2026
AMFI: 148687
Direct · IDCW
₹₹14.5868
₹0.00 (+0.02%)
31 May 2026
AMFI: 148689
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
₹32,000
Invested
₹37,510
Value today
5.9%
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
₹7,106
Value today
6.8%
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
₹3,20,000
Withdrawn
₹10,46,168
Corpus left
+₹3,66,168 net gain — withdrew ₹3,20,000 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
₹8,30,225
Value today
-2.6%
vs lumpsum
Direct lumpsum would have beaten STP by 2.6% — 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
₹1,07,525
Value today
1.1×
Multiple
Staying invested through that crash turned ₹1L into ₹1,07,525 — 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
₹35,847
Regular plan
₹35,388
Direct earns ₹459 more on a ₹30K investment — 0.31% 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-1.02
Sharpe Ratio
-0.03
Alpha
0.11
Beta
-1.02
Sortino
3.99%
Std Dev
-4.55%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Apr 2026
| Security | % NAV |
|---|---|
HDFC Bank Ltd. INE040A01034 | 146.00% |
HDFC Bank Ltd. INE040A01034 | 140.00% |
Reliance Industries Ltd. INE002A01018 | 123.00% |
Reliance Industries Ltd. INE002A01018 | 122.00% |
ICICI Bank Ltd. INE090A01021 | 118.00% |
ICICI Bank Ltd. INE090A01021 | 114.00% |
State Bank of India INE062A01020 | 87.00% |
State Bank of India INE062A01020 | 85.00% |
Larsen & Toubro Ltd. INE018A01030 | 83.00% |
Larsen & Toubro Ltd. INE018A01030 | 78.00% |
Maruti Suzuki India Ltd. INE585B01010 | 70.00% |
Maruti Suzuki India Ltd. INE585B01010 | 70.00% |
Infosys Ltd. INE009A01021 | 69.00% |
Ultratech Cement Ltd. INE481G01011 | 62.00% |
Ultratech Cement Ltd. INE481G01011 | 61.00% |
Infosys Ltd. INE009A01021 | 60.00% |
Axis Bank Ltd. INE238A01034 | 60.00% |
Urban Company Ltd. INE0CAZ01013 | 56.00% |
Axis Bank Ltd. INE238A01034 | 55.00% |
Kotak Mahindra Bank Ltd. INE237A01036 | 53.00% |
Urban Company Ltd. INE0CAZ01013 | 52.00% |
Kotak Mahindra Bank Ltd. INE237A01036 | 50.00% |
Hindalco Industries Ltd. INE038A01020 | 49.00% |
Timken India Ltd. INE325A01013 | 45.00% |
| Security | % NAV |
|---|---|
TREPS | 1990.00% |
6.90% CGL 2065 IN0020250018 | 1841.00% |
6.90% CGL 2065 IN0020250018 | 1826.00% |
6.48% CGL 2035 IN0020250091 | 1304.00% |
TREPS | 928.00% |
7.18% CGL 2037 IN0020230077 | 682.00% |
Bharat Sanchar Nigam Ltd. INE103D08039 | 682.00% |
Bharat Sanchar Nigam Ltd. INE103D08039 | 676.00% |
7.43% CGL 2076 IN0020250117 | 652.00% |
7.43% CGL 2076 IN0020250117 | 649.00% |
7.09% CGL 2074 IN0020240142 | 625.00% |
7.09% CGL 2074 IN0020240142 | 621.00% |
Summit Digitel Infrastructure Pvt. Ltd. INE507T07153 | 508.00% |
Summit Digitel Infrastructure Pvt. Ltd. INE507T07153 | 504.00% |
Torrent Power Ltd. INE813H07309 | 352.00% |
Sundaram Finance Ltd. INE660A08CI7 | 346.00% |
Torrent Power Ltd. INE813H07309 | 345.00% |
REC Ltd. INE020B08EE7 | 343.00% |
Godrej Properties Ltd. INE484J08048 | 342.00% |
Godrej Properties Ltd. INE484J08048 | 339.00% |
REC Ltd. INE020B08EE7 | 338.00% |
Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) INE607M08105 | 333.00% |
Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) INE607M08105 | 332.00% |
Union Bank of India( AT1 Bond under Basel III ) INE692A08169 | 274.00% |
Union Bank of India( AT1 Bond under Basel III ) INE692A08169 | 271.00% |
Net Receivable / Payable | 194.00% |
Performance Comparison
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Investment Objective
SBI Retirement Benefit Fund - Conservative 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 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 ₹164 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL HYBRID 85+15 - CONSERVATIVE INDEX. The current expense ratio is 1.38%.
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