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SBI Retirement Benefit Fund Conservative Hybrid Plan - Regular Plan - Growth

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Fund info
NAV (as on 2025-07-18)
15.64 -0.21%
AUM (Fund Size)
95
Expense Ratio
N/A
Exit load
N/A
Risk
N/A
AMC
SBI Mutual Fund
View AMC Details

SIP Returns

Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-07-11 ₹1,000.00 ₹1,000.61
0.06 %
Two Week 2025-07-03 ₹1,000.00 ₹998.68
-0.13 %
One Month 2025-06-18 ₹1,000.00 ₹1,008.45
0.84 %
Three Months 2025-04-21 ₹3,000.00 ₹3,041.62
1.39 %
Six Months 2025-01-20 ₹6,000.00 ₹6,211.79
3.53 %
One Year 2024-07-18 ₹12,000.00 ₹12,455.79
3.80 %
Three Year 2022-07-19 ₹36,000.00 ₹42,081.55
16.89 %
Since Inception 2021-01-20 ₹55,000.00 ₹69,094.08
25.63 %

Return Calculator

SIP Amount
1M
6M
1Y
3Y
5Y
Investment
₹0
Maturity Value
₹0
Abs. Returns
0
Current CAGR
0

Portfolio

Allocation of Equity and Debt Asset Classes.

Equity 24%
Debt 154%
Others 7%

Sectors Holding in SBI Retirement Benefit Fund Conservative Hybrid Plan - Regular Plan - Growth

Petroleum Products
5%
Banks
13%
IT - Software
3%
Finance
0%
Capital Markets
0%
Industrial Products
0%
Chemicals & Petrochemicals
0%
Construction
1%
Agricultural Food & Other Products
0%
Cement & Cement Products
1%
Textiles & Apparels
0%
Leisure Services
0%
Pharmaceuticals & Biotechnology
0%
Personal Products
0%
Auto Components
0%
Food Products
0%
Consumer Durables
0%
Insurance
0%
Transport Services
0%
Other
161%
Automobiles
1%
Non - Ferrous Metals
0%
Power
0%
IT - Services
0%
Industrial Manufacturing
0%
Realty
0%
Healthcare Services
0%
Retailing
0%
Electrical Equipment
0%
Commercial Services & Supplies
0%

Companies Holding in SBI Retirement Benefit Fund Conservative Hybrid Plan - Regular Plan - Growth

Reliance Industries Ltd.
2.77%
ICICI Bank Ltd.
1.80%
Axis Bank Ltd.
1.25%
Infosys Ltd.
1.20%
Punjab National Bank
1.01%
Bajaj Finance Ltd.
0.95%
HDFC Asset Management Co. Ltd.
0.90%
Grindwell Norton Ltd.
0.90%
Aether Industries Ltd.
0.80%
State Bank Of India
0.77%
G R Infra Projects Ltd.
0.73%
Kotak Mahindra Bank Ltd.
0.68%
Balrampur Chini Mills Ltd.
0.67%
Graphite India Ltd.
0.66%
Shree Cement Ltd.
0.61%
Page Industries Ltd.
0.60%
Jubilant Foodworks Ltd.
0.56%
Finolex Industries Ltd.
0.56%
Gland Pharma Ltd.
0.53%
HDFC Bank Ltd.
0.52%
Godrej Consumer Products Ltd.
0.51%
Aptus Value Housing Finance India Ltd.
0.48%
Carborundum Universal Ltd.
0.48%
ZF Commercial Vehicle Control Systems India Ltd.
0.42%
Hatsun Agro Product Ltd.
0.40%
Nuvoco Vistas Corporation Ltd.
0.28%
Indian Energy Exchange Ltd.
0.26%
Sundram Fasteners Ltd.
0.21%
Sheela Foam Ltd.
0.21%
Garware Technical Fibres Ltd.
0.19%
Avanti Feeds Ltd.
0.18%
Chemplast Sanmar Ltd.
0.14%
ICICI Lombard General Insurance Company Ltd.
0.13%
Thangamayil Jewellery Ltd.
0.09%
VRL Logistics Ltd.
0.06%
Restaurant Brands Asia Ltd.
0.02%
Sagar Cements Ltd.
0.01%
Cube Highways Trust
1.16%
Tata Power Renewable Energy Ltd. (Guaranteed By Tata Power Ltd.)
3.18%
Aditya Birla Renewables Ltd.
3.18%
Infopark Properties Ltd.
3.14%
LIC Housing Finance Ltd.
0.27%
Bajaj Finance Ltd.
1.05%
Cholamandalam Investment & Finance Co. Ltd.
2.12%
Tata Communications Ltd.
2.10%
Bharti Telecom Ltd.
1.62%
Avanse Financial Services Ltd.
0.68%
Godrej Industries Ltd.
1.82%
TATA Capital Ltd.
1.80%
Tata Projects Ltd.
1.00%
Power Finance Corporation Ltd.
1.61%
Mahanagar Telephone Nigam Ltd.
0.64%
Mahindra Rural Housing Finance Ltd.
1.58%
ONGC Petro Additions Ltd.
1.32%
SMFG India Home Finance Co. Ltd.
1.41%
Torrent Power Ltd.
1.11%
IndiGrid Infrastructure Trust
0.53%
Summit Digitel Infrastructure Pvt. Ltd.
1.07%
Bank Of Baroda( Tier II Bond Under Basel III )
1.06%
Jamnagar Utilities & Power Pvt. Ltd.
1.05%
Indian Railway Finance Corporation Ltd.
1.04%
Muthoot Finance Ltd.
0.26%
State Bank Of India( AT1 Bond Under Basel III )
0.93%
Aadhar Housing Finance Ltd.
0.73%
Godrej Properties Ltd.
0.63%
Punjab National Bank( AT1 Bond Under Basel III )
0.57%
Bajaj Housing Finance Ltd.
0.54%
Pipeline Infrastructure Pvt Ltd.
0.54%
Small Industries Development Bank Of India
0.53%
Union Bank Of India( AT1 Bond Under Basel III )
0.32%
7.34% CGL 2064
3.31%
6.79% CGL 2034
2.63%
6.92% CGL 2039
1.74%
6.79% CGL 2031
0.81%
7.09% CGL 2054
0.27%
7.10% State Government Of West Bengal 2045
2.66%
7.20% State Government Of Uttar Pradesh 2040
0.07%
7.74% State Government Of Rajasthan 2033
0.03%
Corporate Debt Market Development Fund-A2
0.29%
TREPS
2.59%
Net Receivable / Payable
2.28%
HDFC Bank Ltd.
3.59%
ICICI Bank Ltd.
2.62%
Reliance Industries Ltd.
2.35%
Infosys Ltd.
1.72%
Larsen & Toubro Ltd.
1.62%
Maruti Suzuki India Ltd.
1.47%
State Bank Of India
1.26%
Axis Bank Ltd.
1.15%
Ultratech Cement Ltd.
1.12%
Tata Consultancy Services Ltd.
1.12%
Kotak Mahindra Bank Ltd.
1.02%
Divi's Laboratories Ltd.
0.98%
Schaeffler India Ltd.
0.93%
Endurance Technologies Ltd.
0.86%
Abbott India Ltd.
0.85%
Jubilant Foodworks Ltd.
0.85%
Timken India Ltd.
0.82%
Kajaria Ceramics Ltd.
0.80%
Hindalco Industries Ltd.
0.78%
HDFC Life Insurance Company Ltd.
0.74%
Power Grid Corporation Of India Ltd.
0.70%
ZF Commercial Vehicle Control Systems India Ltd.
0.63%
L&T Technology Services Ltd.
0.62%
TVS Motor Company Ltd.
0.60%
Grindwell Norton Ltd.
0.59%
Cholamandalam Investment & Finance Co. Ltd.
0.56%
Honeywell Automation India Ltd.
0.54%
Page Industries Ltd.
0.52%
Balrampur Chini Mills Ltd.
0.52%
DLF Ltd.
0.49%
Sona Blw Precision Forgings Ltd.
0.49%
LTIMindtree Ltd.
0.45%
Navin Fluorine International Ltd.
0.43%
Dr. Lal Path Labs Ltd.
0.43%
ICICI Lombard General Insurance Company Ltd.
0.42%
AIA Engineering Ltd.
0.42%
Hawkins Cookers Ltd.
0.42%
FSN E-Commerce Ventures Ltd.
0.40%
HDFC Asset Management Co. Ltd.
0.39%
ABB India Ltd.
0.36%
Chalet Hotels Ltd.
0.36%
ESAB India Ltd.
0.34%
Carborundum Universal Ltd.
0.32%
Thermax Ltd.
0.32%
Pitti Engineering Ltd.
0.29%
Nuvoco Vistas Corporation Ltd.
0.23%
TeamLease Services Ltd.
0.21%
Bharat Sanchar Nigam Ltd.
3.70%
Torrent Power Ltd.
1.87%
REC Ltd.
1.86%
Sundaram Finance Ltd.
1.84%
Power Finance Corporation Ltd.
1.81%
Tata Power Renewable Energy Ltd. (Guaranteed By Tata Power Ltd.)
1.80%
Godrej Properties Ltd.
1.78%
Bajaj Housing Finance Ltd.
1.77%
Union Bank Of India( AT1 Bond Under Basel III )
0.71%
7.09% CGL 2054
22.72%
6.33% CGL 2035
0.89%
7.08% State Government Of Karnataka 2034
10.87%
7.12% State Government Of Maharashtra 2036
4.55%
TREPS
2.67%
Net Receivable / Payable
2.46%
HDFC Bank Ltd.
1.81%
ICICI Bank Ltd.
1.32%
Reliance Industries Ltd.
1.20%
Infosys Ltd.
0.88%
Larsen & Toubro Ltd.
0.80%
Maruti Suzuki India Ltd.
0.72%
State Bank Of India
0.62%
Ultratech Cement Ltd.
0.59%
Tata Consultancy Services Ltd.
0.58%
Axis Bank Ltd.
0.58%
Kotak Mahindra Bank Ltd.
0.52%
Divi's Laboratories Ltd.
0.50%
Abbott India Ltd.
0.45%
Endurance Technologies Ltd.
0.45%
Schaeffler India Ltd.
0.44%
Kajaria Ceramics Ltd.
0.41%
Jubilant Foodworks Ltd.
0.41%
Timken India Ltd.
0.41%
Hindalco Industries Ltd.
0.40%
HDFC Life Insurance Company Ltd.
0.39%
Power Grid Corporation Of India Ltd.
0.36%
L&T Technology Services Ltd.
0.33%
Cholamandalam Investment & Finance Co. Ltd.
0.31%
TVS Motor Company Ltd.
0.31%
ZF Commercial Vehicle Control Systems India Ltd.
0.31%
Grindwell Norton Ltd.
0.29%
Page Industries Ltd.
0.28%
Honeywell Automation India Ltd.
0.27%
Balrampur Chini Mills Ltd.
0.26%
Sona Blw Precision Forgings Ltd.
0.26%
DLF Ltd.
0.25%
FSN E-Commerce Ventures Ltd.
0.23%
LTIMindtree Ltd.
0.23%
Dr. Lal Path Labs Ltd.
0.22%
Navin Fluorine International Ltd.
0.21%
AIA Engineering Ltd.
0.21%
HDFC Asset Management Co. Ltd.
0.20%
ABB India Ltd.
0.19%
ICICI Lombard General Insurance Company Ltd.
0.19%
ESAB India Ltd.
0.18%
Chalet Hotels Ltd.
0.18%
Thermax Ltd.
0.17%
Carborundum Universal Ltd.
0.17%
Hawkins Cookers Ltd.
0.16%
Pitti Engineering Ltd.
0.15%
TeamLease Services Ltd.
0.13%
Nuvoco Vistas Corporation Ltd.
0.12%
Bharat Sanchar Nigam Ltd.
5.86%
Torrent Power Ltd.
2.96%
REC Ltd.
2.94%
Sundaram Finance Ltd.
2.91%
Power Finance Corporation Ltd.
2.87%
Tata Power Renewable Energy Ltd. (Guaranteed By Tata Power Ltd.)
2.85%
Godrej Properties Ltd.
2.81%
Union Bank Of India( AT1 Bond Under Basel III )
2.25%
7.09% CGL 2054
18.71%
6.33% CGL 2035
4.21%
7.74% State Government Of Karnataka 2036
15.05%
7.12% State Government Of Maharashtra 2036
7.21%
7.25% State Government Of Maharashtra 2044
2.91%
TREPS
3.25%
Net Receivable / Payable
3.56%

Risk Ratios

Std. Deviation N/A
Beta N/A
Sharpe Ratio N/A
Lock In Period N/A
Residual Maturity N/A

Standard Deviation:

Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.

Beta:

Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.

Sharpe Ratio:

The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.

Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.

Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.

Scheme Details

Min. SIP Amount
N/A
Min. Lumpsum Amount
N/A
AUM (in Cr.)
N/A
Expense Ratio Regular
N/A
Expense Ratio Direct
N/A
Lock-in Period
N/A
Fund Age
N/A
Benchmark
N/A
Fund managers
Rohit Shimpi
Over 18 years Experience
Ardhendu Bhattacharya
Over 13 years Experience
Pradeep Kesavan
Over 18 years Experience
Mr. Rohit Shimpi
Over 18 years Experience
Mr. Ardhendu Bhattacharya
Over 13 years Experience
Mr. Pradeep Kesavan
Over 18 years Experience
Mr. Saurabh Pant
Over 16 years Experience
Ms. Mansi Sajeja
Over 15 years Experience
Mr. Pradeep Kesavan
Over 18 years Experience

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