Home Mf Research Sbi Retirement Benefit Fund Conservative Hybrid Plan Regular Plan Growth
SBI Mutual Fund

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

Solution Oriented Solution Oriented Retirement
Fund House : SBI Mutual Fund
Overview
Returns
Portfolio
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • SI
NAV (as on 2025-06-18)
15.50 -0.13%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
0.00%
Expense Ratio (Direct)
0.00%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-11 ₹1,000.00 ₹993.15
-0.68 %
Two Week 2025-06-03 ₹1,000.00 ₹997.76
-0.22 %
One Month 2025-05-19 ₹1,000.00 ₹996.76
-0.32 %
Three Months 2025-03-20 ₹3,000.00 ₹3,063.86
2.13 %
Six Months 2024-12-20 ₹6,000.00 ₹6,197.15
3.29 %
One Year 2024-06-18 ₹12,000.00 ₹12,397.56
3.31 %
Three Year 2022-06-20 ₹36,000.00 ₹42,154.26
17.10 %
Since Inception 2021-01-20 ₹54,000.00 ₹67,526.16
25.05 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
Reliance Industries Ltd. Petroleum Products Equity 2.77
ICICI Bank Ltd. Banks Equity 1.80
Axis Bank Ltd. Banks Equity 1.25
Infosys Ltd. IT - Software Equity 1.20
Punjab National Bank Banks Equity 1.01
Bajaj Finance Ltd. Finance Equity 0.95
HDFC Asset Management Co. Ltd. Capital Markets Equity 0.90
Grindwell Norton Ltd. Industrial Products Equity 0.90
Aether Industries Ltd. Chemicals & Petrochemicals Equity 0.80
State Bank of India Banks Equity 0.77
G R Infra projects Ltd. Construction Equity 0.73
Kotak Mahindra Bank Ltd. Banks Equity 0.68
Balrampur Chini Mills Ltd. Agricultural Food & other Products Equity 0.67
Graphite India Ltd. Industrial Products Equity 0.66
Shree Cement Ltd. Cement & Cement Products Equity 0.61
Page Industries Ltd. Textiles & Apparels Equity 0.60
Jubilant Foodworks Ltd. Leisure Services Equity 0.56
Finolex Industries Ltd. Industrial Products Equity 0.56
Gland Pharma Ltd. Pharmaceuticals & Biotechnology Equity 0.53
HDFC Bank Ltd. Banks Equity 0.52
Godrej Consumer Products Ltd. Personal Products Equity 0.51
Aptus Value Housing Finance India Ltd. Finance Equity 0.48
Carborundum Universal Ltd. Industrial Products Equity 0.48
ZF Commercial Vehicle Control Systems India Ltd. Auto Components Equity 0.42
Hatsun Agro Product Ltd. Food Products Equity 0.40
Nuvoco Vistas Corporation Ltd. Cement & Cement Products Equity 0.28
Indian Energy Exchange Ltd. Capital Markets Equity 0.26
Sundram Fasteners Ltd. Auto Components Equity 0.21
Sheela Foam Ltd. Consumer Durables Equity 0.21
Garware Technical Fibres Ltd. Textiles & Apparels Equity 0.19
Avanti Feeds Ltd. Food Products Equity 0.18
Chemplast Sanmar Ltd. Chemicals & Petrochemicals Equity 0.14
ICICI Lombard General Insurance Company Ltd. Insurance Equity 0.13
Thangamayil Jewellery Ltd. Consumer Durables Equity 0.09
VRL Logistics Ltd. Transport Services Equity 0.06
Restaurant Brands Asia Ltd. Leisure Services Equity 0.02
Sagar Cements Ltd. Cement & Cement Products Equity 0.01
Cube Highways Trust - Debt 1.16
Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) - Debt 3.18
Aditya Birla Renewables Ltd. - Debt 3.18
Infopark Properties Ltd. - Debt 3.14
LIC Housing Finance Ltd. - Debt 0.27
Bajaj Finance Ltd. - Debt 1.05
Cholamandalam Investment & Finance Co. Ltd. - Debt 2.12
Tata Communications Ltd. - Debt 2.10
Bharti Telecom Ltd. - Debt 1.62
Avanse Financial Services Ltd. - Debt 0.68
Godrej Industries Ltd. - Debt 1.82
TATA Capital Ltd. - Debt 1.80
Tata Projects Ltd. - Debt 1.00
Power Finance Corporation Ltd. - Debt 1.61
Mahanagar Telephone Nigam Ltd. - Debt 0.64
Mahindra Rural Housing Finance Ltd. - Debt 1.58
ONGC Petro Additions Ltd. - Debt 1.32
SMFG India Home Finance Co. Ltd. - Debt 1.41
Torrent Power Ltd. - Debt 1.11
IndiGrid Infrastructure Trust - Debt 0.53
Summit Digitel Infrastructure Pvt. Ltd. - Debt 1.07
Bank of Baroda( Tier II Bond under Basel III ) - Debt 1.06
Jamnagar Utilities & Power Pvt. Ltd. - Debt 1.05
Indian Railway Finance Corporation Ltd. - Debt 1.04
Muthoot Finance Ltd. - Debt 0.26
State Bank of India( AT1 Bond under Basel III ) - Debt 0.93
Aadhar Housing Finance Ltd. - Debt 0.73
Godrej Properties Ltd. - Debt 0.63
Punjab National Bank( AT1 Bond under Basel III ) - Debt 0.57
Bajaj Housing Finance Ltd. - Debt 0.54
Pipeline Infrastructure Pvt Ltd. - Debt 0.54
Small Industries Development Bank of India - Debt 0.53
Union Bank of India( AT1 Bond under Basel III ) - Debt 0.32
7.34% CGL 2064 - Debt 3.31
6.79% CGL 2034 - Debt 2.63
6.92% CGL 2039 - Debt 1.74
6.79% CGL 2031 - Debt 0.81
7.09% CGL 2054 - Debt 0.27
7.10% State Government of West Bengal 2045 - Debt 2.66
7.20% State Government of Uttar Pradesh 2040 - Debt 0.07
7.74% State Government of Rajasthan 2033 - Debt 0.03
Corporate Debt Market Development Fund-A2 - Debt 0.29
TREPS - Debt 2.59
Net Receivable / Payable - - 2.28
HDFC Bank Ltd. Banks Equity 3.59
ICICI Bank Ltd. Banks Equity 2.62
Reliance Industries Ltd. Petroleum Products Equity 2.35
Infosys Ltd. IT - Software Equity 1.72
Larsen & Toubro Ltd. Construction Equity 1.62
Maruti Suzuki India Ltd. Automobiles Equity 1.47
State Bank of India Banks Equity 1.26
Axis Bank Ltd. Banks Equity 1.15
Ultratech Cement Ltd. Cement & Cement Products Equity 1.12
Tata Consultancy Services Ltd. IT - Software Equity 1.12
Kotak Mahindra Bank Ltd. Banks Equity 1.02
Divi's Laboratories Ltd. Pharmaceuticals & Biotechnology Equity 0.98
Schaeffler India Ltd. Auto Components Equity 0.93
Endurance Technologies Ltd. Auto Components Equity 0.86
Abbott India Ltd. Pharmaceuticals & Biotechnology Equity 0.85
Jubilant Foodworks Ltd. Leisure Services Equity 0.85
Timken India Ltd. Industrial Products Equity 0.82
Kajaria Ceramics Ltd. Consumer Durables Equity 0.80
Hindalco Industries Ltd. Non - Ferrous Metals Equity 0.78
HDFC Life Insurance Company Ltd. Insurance Equity 0.74
Power Grid Corporation of India Ltd. Power Equity 0.70
ZF Commercial Vehicle Control Systems India Ltd. Auto Components Equity 0.63
L&T Technology Services Ltd. IT - Services Equity 0.62
TVS Motor Company Ltd. Automobiles Equity 0.60
Grindwell Norton Ltd. Industrial Products Equity 0.59
Cholamandalam Investment & Finance Co. Ltd. Finance Equity 0.56
Honeywell Automation India Ltd. Industrial Manufacturing Equity 0.54
Page Industries Ltd. Textiles & Apparels Equity 0.52
Balrampur Chini Mills Ltd. Agricultural Food & other Products Equity 0.52
DLF Ltd. Realty Equity 0.49
Sona Blw Precision Forgings Ltd. Auto Components Equity 0.49
LTIMindtree Ltd. IT - Software Equity 0.45
Navin Fluorine International Ltd. Chemicals & Petrochemicals Equity 0.43
Dr. Lal Path labs Ltd. Healthcare Services Equity 0.43
ICICI Lombard General Insurance Company Ltd. Insurance Equity 0.42
AIA Engineering Ltd. Industrial Products Equity 0.42
Hawkins Cookers Ltd. Consumer Durables Equity 0.42
FSN E-Commerce Ventures Ltd. Retailing Equity 0.40
HDFC Asset Management Co. Ltd. Capital Markets Equity 0.39
ABB India Ltd. Electrical Equipment Equity 0.36
Chalet Hotels Ltd. Leisure Services Equity 0.36
ESAB India Ltd. Industrial Products Equity 0.34
Carborundum Universal Ltd. Industrial Products Equity 0.32
Thermax Ltd. Electrical Equipment Equity 0.32
Pitti Engineering Ltd. Industrial Manufacturing Equity 0.29
Nuvoco Vistas Corporation Ltd. Cement & Cement Products Equity 0.23
TeamLease Services Ltd. Commercial Services & Supplies Equity 0.21
Bharat Sanchar Nigam Ltd. - Debt 3.70
Torrent Power Ltd. - Debt 1.87
REC Ltd. - Debt 1.86
Sundaram Finance Ltd. - Debt 1.84
Power Finance Corporation Ltd. - Debt 1.81
Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) - Debt 1.80
Godrej Properties Ltd. - Debt 1.78
Bajaj Housing Finance Ltd. - Debt 1.77
Union Bank of India( AT1 Bond under Basel III ) - Debt 0.71
7.09% CGL 2054 - Debt 22.72
6.33% CGL 2035 - Debt 0.89
7.08% State Government of Karnataka 2034 - Debt 10.87
7.12% State Government of Maharashtra 2036 - Debt 4.55
TREPS - Debt 2.67
Net Receivable / Payable - - 2.46
HDFC Bank Ltd. Banks Equity 1.81
ICICI Bank Ltd. Banks Equity 1.32
Reliance Industries Ltd. Petroleum Products Equity 1.20
Infosys Ltd. IT - Software Equity 0.88
Larsen & Toubro Ltd. Construction Equity 0.80
Maruti Suzuki India Ltd. Automobiles Equity 0.72
State Bank of India Banks Equity 0.62
Ultratech Cement Ltd. Cement & Cement Products Equity 0.59
Tata Consultancy Services Ltd. IT - Software Equity 0.58
Axis Bank Ltd. Banks Equity 0.58
Kotak Mahindra Bank Ltd. Banks Equity 0.52
Divi's Laboratories Ltd. Pharmaceuticals & Biotechnology Equity 0.50
Abbott India Ltd. Pharmaceuticals & Biotechnology Equity 0.45
Endurance Technologies Ltd. Auto Components Equity 0.45
Schaeffler India Ltd. Auto Components Equity 0.44
Kajaria Ceramics Ltd. Consumer Durables Equity 0.41
Jubilant Foodworks Ltd. Leisure Services Equity 0.41
Timken India Ltd. Industrial Products Equity 0.41
Hindalco Industries Ltd. Non - Ferrous Metals Equity 0.40
HDFC Life Insurance Company Ltd. Insurance Equity 0.39
Power Grid Corporation of India Ltd. Power Equity 0.36
L&T Technology Services Ltd. IT - Services Equity 0.33
Cholamandalam Investment & Finance Co. Ltd. Finance Equity 0.31
TVS Motor Company Ltd. Automobiles Equity 0.31
ZF Commercial Vehicle Control Systems India Ltd. Auto Components Equity 0.31
Grindwell Norton Ltd. Industrial Products Equity 0.29
Page Industries Ltd. Textiles & Apparels Equity 0.28
Honeywell Automation India Ltd. Industrial Manufacturing Equity 0.27
Balrampur Chini Mills Ltd. Agricultural Food & other Products Equity 0.26
Sona Blw Precision Forgings Ltd. Auto Components Equity 0.26
DLF Ltd. Realty Equity 0.25
FSN E-Commerce Ventures Ltd. Retailing Equity 0.23
LTIMindtree Ltd. IT - Software Equity 0.23
Dr. Lal Path labs Ltd. Healthcare Services Equity 0.22
Navin Fluorine International Ltd. Chemicals & Petrochemicals Equity 0.21
AIA Engineering Ltd. Industrial Products Equity 0.21
HDFC Asset Management Co. Ltd. Capital Markets Equity 0.20
ABB India Ltd. Electrical Equipment Equity 0.19
ICICI Lombard General Insurance Company Ltd. Insurance Equity 0.19
ESAB India Ltd. Industrial Products Equity 0.18
Chalet Hotels Ltd. Leisure Services Equity 0.18
Thermax Ltd. Electrical Equipment Equity 0.17
Carborundum Universal Ltd. Industrial Products Equity 0.17
Hawkins Cookers Ltd. Consumer Durables Equity 0.16
Pitti Engineering Ltd. Industrial Manufacturing Equity 0.15
TeamLease Services Ltd. Commercial Services & Supplies Equity 0.13
Nuvoco Vistas Corporation Ltd. Cement & Cement Products Equity 0.12
Bharat Sanchar Nigam Ltd. - Debt 5.86
Torrent Power Ltd. - Debt 2.96
REC Ltd. - Debt 2.94
Sundaram Finance Ltd. - Debt 2.91
Power Finance Corporation Ltd. - Debt 2.87
Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) - Debt 2.85
Godrej Properties Ltd. - Debt 2.81
Union Bank of India( AT1 Bond under Basel III ) - Debt 2.25
7.09% CGL 2054 - Debt 18.71
6.33% CGL 2035 - Debt 4.21
7.74% State Government of Karnataka 2036 - Debt 15.05
7.12% State Government of Maharashtra 2036 - Debt 7.21
7.25% State Government of Maharashtra 2044 - Debt 2.91
TREPS - Debt 3.25
Net Receivable / Payable - - 3.56
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
11.31
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
  • Fund manager(s) : Rohit Shimpi (Over 18 years), Ardhendu Bhattacharya (Over 13 years), Pradeep Kesavan (Over 18 years), Mr. Rohit Shimpi (Over 18 years), Mr. Ardhendu Bhattacharya (Over 13 years), Mr. Pradeep Kesavan (Over 18 years), Mr. Saurabh Pant (Over 16 years), Ms. Mansi Sajeja (Over 15 years), Mr. Pradeep Kesavan (Over 18 years),
  • Expense ration regular : 0.00
  • Expense ration direct : 0.00
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹500.00
  • Type : solution_oriented
Exit load
For exit within 1 year from the date of allotment: 1.00%

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