SBI Retirement Benefit Fund Conservative Hybrid - Direct Plan - IDCW

SBI Mutual Fund

Conservative Hybrid

Moderate Risk

Direct · Growth

₹0.00

NAV as on 23 Oct 2026

▼ -0.44% (1D)

SBI Retirement Benefit Fund Conservative Hybrid - Direct Plan - IDCW

SBI Mutual Fund · Direct · 6+ years of NAV data

-2.2%

1-Year Return

+6.3%

3-Year CAGR

+6.9%

5-Year CAGR

About This Fund

This fund is part of India's regulated mutual fund ecosystem, overseen by SEBI and distributed through AMFI-registered intermediaries. All mutual fund investments are subject to market risk — the value of your investment can go up or down based on market conditions. Past performance is not indicative of future results. The NAV history, returns data, and risk metrics shown on this page are computed from publicly available data and are intended for educational and research purposes only. Before investing, please read the Scheme Information Document (SID), Key Information Memorandum (KIM), and Statement of Additional Information (SAI) published by the Asset Management Company. Consult a SEBI-Registered Investment Adviser for personalised investment advice.

Risk profile: This fund is classified as Moderate risk under SEBI's riskometer. Standard deviation: 5.61%. Maximum drawdown: 6.87%. Past performance is not indicative of future results. Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing.

Analysis dimensions

Computed live from this fund's NAV history and factsheet. Dimensions without ingested data show “Coming soon”.

D1 · TAX

Post-tax returns

CAGR and SIP returns recomputed after LTCG, STCG and indexation. See your real, after-tax outcome — with the tax-drag % shown.

1Y post-tax-1.9%3Y post-tax+5.6%5Y post-tax+6.1%

D2 · FACTORComing soon

Factor exposure radar

Size, value, momentum, quality and low-vol loadings versus benchmark — a multi-factor view, not just a style box.

D3 · BEHAVIOR

Drawdown & recovery time

Underwater curve with depth, duration and months-to-recover for every drawdown. Know how long a fund takes to climb back.

Deepest drawdown-6.9%Recovery2.9 mo

D4 · COST

Expense-drag compounding

Your TER versus the category median, compounded over 10 and 20 years. See the ₹ you lose to fees.

Expense ratio1.24%20y fee drag vs 0.5% median₹450 lost / ₹1k

D5 · STYLEComing soon

Style drift over time

Track a fund's style position month by month across years, with a drift score. A fund that changed character is a different fund.

D6 · CONCENTRATIONComing soon

Concentration & overlap

Herfindahl index and effective N across the top-10 holdings, top-10 weight, and cross-fund overlap — so you never double up unknowingly.

D7 · INDEXComing soon

Tracking error analytics

Tracking difference, tracking error and roll-return drag for every index fund and ETF — the analytics the index boom deserves.

D8 · MANAGER

Manager tenure vs fund age

Scatter of manager tenure against fund age, plus a manager-change timeline. Recent churn is a risk no static stat shows.

Manager tenure5.1 yrsFund age5.7 yrs

D9 · QUALITYComing soon

Holdings-quality score

Aggregate portfolio P/E, P/B, ROE, debt quality and turnover into one quality score with a peer percentile.

D10 · RISK

Complete risk-return bundle

Downside capture, upside capture, Sortino, Calmar and information ratio in one view — not just Sharpe and standard deviation.

Sharpe-0.03Sortino-0.03Std dev5.61%

D11 · CYCLESComing soon

Cycle-decomposed ranking

Risk-adjusted rank within category split into bull, bear and range regimes. Consistency across regimes, not one snapshot.

D12 · GOVERNANCEComing soon

Governance & behavioral flags

Exit-load structure, side-pocketing history, expense-ratio changes and AMC regulatory actions — the red flags others omit.

NAV Growth

Key Information

Scheme Code: 148693
Fund House: SBI Mutual Fund
Scheme Type: Direct
Scheme Category: ConservativeHybrid
Fund Manager: Mr. Rohit Shimpi (since Oct 2021)
Benchmark: BSE Sensex TRI Additional Benchmark Scheme CRISIL Hybrid 65+35 - Conservative Index Benchmark BSE Sensex TRI Additional Benchmark 1 Year 2.11 4.02 -2.76 10,211 10,402 9,724 3 Years 7.02 8.79 6.75 12,260 12,880 12,168 5 Years 8.01 8.37 9.53 14,709 14,953 15,771 Since Inception 8.77 8.52 9.32 15,844 15,638 16,285 Past performance may or may not be sustained in the future. SIP PERFORMANCE (REGULAR PLAN- GROWTH OPTION) SIP Investments Since Inception 20 Years 15 Years 10 Years 5 Years 3 Years 1 Year Total Amount Invested (`) 6,60,000 NA NA NA 6,00,000 3,60,000 1,20,000 Mkt Value as on July 31, 2026 (`) 8,08,641 NA NA NA 7,15,900 3,87,516 1,22,864 Returns (Annualised) (%) 7.32 NA NA NA 7.00 4.85 4.48 CRISIL Hybrid 65+35 - Conservative Index (First Tier Benchmark Returns) (Annualised) (TRI) (%) 8.22 NA NA NA 8.13 6.73 5.47 BSE Sensex TRI Additional Benchmark Returns (Annualised) (TRI) (%) 7.36 NA NA NA 6.71 2.66 -2.79 Past performance may or may not be sustained in the future. Inception Date: January 10, 2021  Top Ten Holdings Equity Shares 39.11 Non Convertible Debentures 23.43 Floating Rate Notes 3.91 Non-Convertible Preference Share 0.01 Floating Rate Bonds 10.04 Government Securities 6.31 State Development Loans 7.99 Cash, Cash Equivalents And Others 9.20 COMPANY/ ISSUER RATING NET % OF AUM COMPANY/ ISSUER RATING NET % OF AUM Equity Shares FINANCIAL SERVICES  HDFC Bank Ltd. 2.71  ICICI Bank Ltd. 2.44 State Bank Of India 1.54 Bajaj Finance Ltd. 1.16 Axis Bank Ltd. 1.08 Kotak Mahindra Bank Ltd. 0.97 Central Depository Services (I) Ltd. 0.72 Bajaj Finserv Ltd. 0.62 HDB Financial Services Ltd. 0.40 ICICI Prudential Life Insurance Company Ltd. 0.40 AUTOMOBILE AND AUTO COMPONENTS Maruti Suzuki India Ltd. 1.48 Sona Blw Precision Forgings Ltd. 0.77 TVS Motor Company Ltd. 0.73 Schaeffler India Ltd. 0.68 ZF Commercial Vehicle Control Systems India Ltd. 0.54 CAPITAL GOODS Timken India Ltd. 0.71 Thermax Ltd. 0.66 Grindwell Norton Ltd. 0.61 Honeywell Automation India Ltd. 0.60 ABB India Ltd. 0.49 Carborundum Universal Ltd. 0.39 Pitti Engineering Ltd. 0.30 ESAB India Ltd. 0.28 CONSUMER SERVICES Urban Company Ltd. 0.81 The Indian Hotels Company Ltd. 0.61 FSN E-Commerce Ventures Ltd. 0.57 Jubilant Foodworks Ltd. 0.54 Lenskart Solutions Ltd. 0.47 Brigade Hotel Ventures Ltd. 0.32 CONSTRUCTION MATERIALS Ultratech Cement Ltd. 1.23 JSW Cement Ltd. 0.80 CONSUMER DURABLES Asian Paints Ltd. 0.68 Berger Paints India Ltd. 0.53 Voltas Ltd. 0.52 Kajaria Ceramics Ltd. 0.23 HEALTHCARE Anthem Biosciences Ltd. 0.76 Divi's Laboratories Ltd. 0.60 Biocon Ltd. 0.45 CONSTRUCTION Larsen & Toubro Ltd. 1.71 CHEMICALS Pidilite Industries Ltd. 0.63 Navin Fluorine International Ltd. 0.59 Sudeep Pharma Ltd. 0.48 REALTY Oberoi Realty Ltd. 0.54 Godrej Properties Ltd. 0.50 DLF Ltd. 0.45 INFORMATION TECHNOLOGY Infosys Ltd. 1.00 LTM Ltd. 0.43 SERVICES JSW Infrastructure Ltd. 0.80 Interglobe Aviation Ltd. 0.49 POWER Acme Solar Holdings Ltd. 0.58 Torrent Power Ltd. 0.53 FAST MOVING CONSUMER GOODS Balrampur Chini Mills Ltd. 0.57 TEXTILES Page Industries Ltd. 0.41 TOTAL 39.11 NON CONVERTIBLE DEBENTURES  Bharat Sanchar Nigam Ltd. CRISIL AAA(CE) 3.95  National Bank For Agriculture And Rural Development CRISIL AAA 3.92  Summit Digitel Infrastructure Pvt. Ltd. CRISIL AAA 2.94  Torrent Power Ltd. CRISIL AA+ 2.01  REC Ltd. CRISIL AAA 1.99 Tata Power Renewable Energy Ltd. (Guar- anteed By Tata Power Ltd.) [ICRA]AA+ 1.97 Power Finance Corporation Ltd. CRISIL AAA 1.97 Knowledge Realty Trust CRISIL AAA 1.96 Bajaj Finance Ltd. CRISIL AAA 1.94 Union Bank Of India( At1 Bond Under Basel III ) CRISIL AA+ 0.78 TOTAL 23.43 NON-CONVERTIBLE PREFERENCE SHARE TVS Motor Company Ltd. CARE A1+ 0.01 TOTAL 0.01 FLOATING RATE BONDS  GOI FRB 07.12.2031 GOV SOVEREIGN 10.04 TOTAL 10.04 FLOATING RATE NOTES Muthoot Finance Ltd. CRISIL AA+ 1.96 Cholamandalam Investment & Finance Co. Ltd. [ICRA]AA+ 1.95 TOTAL 3.91 GOVERNMENT SECURITIES  GOI 6.94% 11.05.2036 GOV SOVEREIGN 6.31 TOTAL 6.31 STATE DEVELOPMENT LOANS  State Government of Tamil Nadu 7.74% 03.06.2036 SDL SOVEREIGN 7.99 TOTAL 7.99 CASH, CASH EQUIVALENTS AND OTHERS 9.20 TOTAL NET ASSETS 100.00 PORTFOLIO ASSET PROFILE RATING PROFILE An open-ended retirement solution-oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier) SOLUTIONS ORIENTED SCHEME-RETIREMENT Ideal Investment Horizon - 5 Years + The investment objective of the scheme is to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes. However, there can be no assurance that the investment objective of the Scheme will be realized. Fund Size ` in Cr. $ in min. Month end AUM 255.57 26.80 Monthly Avg. AUM 255.59 26.80 Values as per the INR-Dollar exchange rate( 95.37 ) given by RBI as on July 31, 2026 Minimum Investment Lumpsum ` 5,000 Additional Purchase ` 1,000 SIP Please refer page 90 NAV Details Plan Regular Direct Growth: ` 15.8437 16.3661 IDCW : ` 15.8454 16.3639 Stock Highlights No of Folio/Investors 9,786 Top 10 Stock (%) 15.32 Top 5 Stock (%) 9.88 Top 3 Sectors (%) 20.28 Total number of stocks 53 Quantitative Indicators Modified Duration 4.17 years Average Maturity 5.43 years Macaulay Duration 4.42 years Yield to Maturity^ 7.00% ^In case of semi-annual convention , the YTM is annualised Ratios including debt instruments and cash Entry load: N.A Exit load: Nil
Fund Size (AUM): ₹255.57 Cr (as of Jul 2026)
Expense Ratio (Direct Growth): 1.24%
Expense Ratio (Direct IDCW): 1.24%
Expense Ratio (Regular Growth): 1.76%
Expense Ratio (Regular IDCW): 1.76%
Launch Date: Feb 2021
NAV History Earliest: 2021-02-17
NAV History Points: 1380