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SBI Mutual Fund

SBI Retirement Benefit Fund Conservative plan - Regular Plan - Growth

Solution Oriented Solution Oriented Retirement
Fund House : SBI Mutual Fund
Overview
Returns
Portfolio
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
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-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • SI
NAV (as on 2025-06-13)
14.27 -0.22%
Fund Size (Total Assets)
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Expense Ratio (Regular)
-%
Expense Ratio (Direct)
-%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-06 ₹1,000.00 ₹993.14
-0.69 %
Two Week 2025-05-29 ₹1,000.00 ₹991.25
-0.88 %
One Month 2025-05-14 ₹1,000.00 ₹1,001.19
0.12 %
Three Months 2025-03-17 ₹3,000.00 ₹3,062.67
2.09 %
Six Months 2024-12-16 ₹6,000.00 ₹6,191.38
3.19 %
One Year 2024-06-13 ₹12,000.00 ₹12,517.09
4.31 %
Three Year 2022-06-14 ₹36,000.00 ₹41,582.61
15.51 %
Since Inception 2021-01-20 ₹54,000.00 ₹65,661.17
21.59 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
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
SIP Calculator
Risk Ratios
Standard Deviation
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Beta
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Sharpe Ratio
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Lock In Period
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Residual Maturity
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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) : Mr. Rohit Shimpi (Over 18 years), Mr. Ardhendu Bhattacharya (Over 13 years), Mr. Pradeep Kesavan (Over 18 years),
  • Expense ration regular : -
  • Expense ration direct : -
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹500.00
  • Type : solution_oriented
Exit load
Nil

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