SBI Retirement Benefit Fund Conservative · Regular · Growth
NAV
₹14.6203
as of 31 Jul 2026
Expense Ratio
1.38%
AUM
₹144 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.20%
- 3Y
- +6.50%
- 5Y
- +6.90%
- Since Inception
- +7.12%
SIP returns (XIRR)
- 1Y
- +4.02%
- 3Y
- +5.11%
- 5Y
- +6.46%
- Since Inception
- +6.58%
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 ₹3,45,372 today — ₹2,95,000 invested, 6.4% XIRR.
₹2,95,000
Invested
₹3,45,372
Value today
6.4%
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 ₹1,39,414 today (6.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2021 would still hold ₹10,48,763.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹3,45,372 in this fund vs ₹3,59,606 in the benchmark — underperformance of ₹14,234.
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 ₹1,10,609 today (1.11×).
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-0.49
Sharpe Ratio
-0.01
Alpha
0.13
Beta
-0.50
Sortino
4.08%
Std Dev
-4.55%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Banks4.55%
- Automobiles1.12%
- Consumer Durables1.02%
- Finance1.02%
- Auto Components0.99%
- Industrial Products0.97%
- Cement & Cement Products0.96%
- Retailing0.88%
- Pharmaceuticals & Biotechnology0.84%
- Construction0.82%
- Realty0.76%
- Leisure Services0.69%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 16.90% Cgl 206516.05%
- 2Bharat Sanchar Nigam Ltd.7.00%
- 3National Bank For Agriculture And Rural Development6.94%
- 47.43% Cgl 20766.88%
- 57.09% Cgl 20746.54%
- 6Summit Digitel Infrastructure Pvt. Ltd.5.22%
- 7Torrent Power Ltd.3.56%
- 8Rec Ltd.3.52%
- 9Treps3.52%
- 10Muthoot Finance Ltd.3.48%
Investment Objective
SBI Retirement Benefit Fund Conservative · 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 · 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 ₹144 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