SBI Retirement Benefit Fund Conservative · Regular · Growth
NAV
₹14.4395
as of 17 Jun 2026
Expense Ratio
1.38%
AUM
₹164 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.87%
- 3Y
- +6.55%
- 5Y
- +6.86%
- Since Inception
- +7.03%
SIP returns (XIRR)
- 1Y
- +2.19%
- 3Y
- +4.79%
- 5Y
- +6.29%
- Since Inception
- +6.41%
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 —.
This fund trailed its benchmark
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SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹32,500
Invested
₹38,144
Value today
6.0%
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
₹7,131
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
₹3,25,000
Withdrawn
₹10,44,785
Corpus left
+₹3,69,785 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
₹8,33,103
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 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
₹1,07,900
Value today
1.1×
Multiple
Staying invested through that crash turned ₹1L into ₹1,07,900 — a 1.1× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.67
Sharpe Ratio
-0.01
Alpha
0.12
Beta
-0.68
Sortino
4.01%
Std Dev
-4.55%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Apr 2026- Banks4.64%
- Auto Components1.24%
- Petroleum Products1.23%
- Automobiles1.10%
- Industrial Products1.02%
- Consumer Durables0.99%
- Finance0.93%
- Construction0.83%
- IT - Software0.83%
- Leisure Services0.73%
- Retailing0.73%
- Realty0.72%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Treps19.90%
- 26.90% Cgl 206518.41%
- 36.48% Cgl 203513.04%
- 4Bharat Sanchar Nigam Ltd.6.76%
- 57.43% Cgl 20766.52%
- 67.09% Cgl 20746.25%
- 7Summit Digitel Infrastructure Pvt. Ltd.5.04%
- 8Torrent Power Ltd.3.45%
- 9Godrej Properties Ltd.3.39%
- 10Rec Ltd.3.38%
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 ₹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