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SBI Retirement Benefit Fund Conservative plan - Regular Plan - Growth

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  • SI
Fund info
NAV (as on 2025-07-18)
14.39 -0.03%
AUM (Fund Size)
N/A
Expense Ratio
N/A
Exit load
Nil
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 ₹1,001.28
0.13 %
Two Week 2025-07-03 ₹1,000.00 ₹999.98
0.00 %
One Month 2025-06-18 ₹1,000.00 ₹1,006.29
0.63 %
Three Months 2025-04-21 ₹3,000.00 ₹3,028.33
0.94 %
Six Months 2025-01-20 ₹6,000.00 ₹6,181.72
3.03 %
One Year 2024-07-18 ₹12,000.00 ₹12,528.15
4.40 %
Three Year 2022-07-19 ₹36,000.00 ₹41,551.64
15.42 %
Since Inception 2021-01-20 ₹55,000.00 ₹67,216.72
22.21 %

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 3%
Debt 68%
Others 3%

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

Banks
2%
Petroleum Products
1%
IT - Software
0%
Construction
0%
Automobiles
0%
Cement & Cement Products
0%
Pharmaceuticals & Biotechnology
0%
Auto Components
0%
Consumer Durables
0%
Leisure Services
0%
Industrial Products
0%
Non - Ferrous Metals
0%
Insurance
0%
Power
0%
IT - Services
0%
Finance
0%
Textiles & Apparels
0%
Industrial Manufacturing
0%
Agricultural Food & Other Products
0%
Realty
0%
Retailing
0%
Healthcare Services
0%
Chemicals & Petrochemicals
0%
Capital Markets
0%
Electrical Equipment
0%
Commercial Services & Supplies
0%
Other
71%

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

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
Mr. Rohit Shimpi
Over 18 years Experience
Mr. Ardhendu Bhattacharya
Over 13 years Experience
Mr. Pradeep Kesavan
Over 18 years Experience

Exit load

Nil

FAQs

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