GMP IPO Watch
Solution Oriented Schemes ** - Retirement Fund
SBI Retirement Benefit Fund - Conservative Hybrid Plan
Regular Plan · IDCW · SBI Mutual Fund
Risk: High Risk
52W Low ₹14.69 30 Mar 2026
52W High ₹16.00 10 Aug 2026
₹15.7920
NAV as of 4 Nov 2026
+0.65% day change
Other Plans of This Fund
ISININF200KA1T62
Scheme Code148697
StructureOpen Ended Schemes
Fund HouseSBI Funds Management Limited
AUM (avg. July - September 2026)₹3.55 Cr
Expense Ratio (as of 3 Nov 2026)1.76%
Min. InvestmentRs. 5,000/- and in multiples of Re. 1/- thereafter
Inception Date20 Jan 2021
BenchmarkCRISIL Hybrid 65+35 - Conservative Index · NA
Portfolio Turnover98.54%
NFO Period20-Jan-2021 – 03-Feb-2021
Returns
1Y
+0.90%
3Y
+6.64%
5Y
+6.88%
Since Inception
+8.23%
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +2.27% | +3.10% | 20 of 29 |
| 1M | +1.33% | +2.05% | 20 of 29 |
| 3M | -0.91% | -2.98% | 4 of 29 |
| 6M | +2.19% | +0.56% | 4 of 29 |
| YTD | +0.31% | -1.35% | 9 of 29 |
| 1Y | +0.90% | -1.13% | 8 of 29 |
| 2Y | +2.46% | +1.82% | 11 of 29 |
| 3Y | +6.64% | +7.99% | 16 of 27 |
| 5Y | +6.88% | +7.00% | 13 of 25 |
| INCEPTION | +8.23% | — | — |
Ranked among: Solution Oriented Schemes ** - Retirement Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +2.14% | +10.03% | -6.59% | 72% | 29% |
| 6M | +4.16% | +13.31% | -5.74% | 81% | 33% |
| 1Y | +8.14% | +18.46% | -2.69% | 96% | 40% |
| 2Y | +9.13% | +17.42% | +0.53% | 100% | 43% |
| 3Y | +9.71% | +13.06% | +5.61% | 100% | 44% |
| 5Y | +7.92% | +9.39% | +6.21% | 100% | 43% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Sep 2026
Asset Allocation
- Equity38.20%
- Debt38.18%
- Cash22.40%
- Other1.22%
Market Cap Split
- Large Cap18.61%
- Mid Cap9.84%
- Small Cap9.75%
- Others61.80%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 25.89 | 24.10 |
| P/B | 4.04 | 3.50 |
| Price / Sales | 4.37 | 3.15 |
| Price / Cash Flow | 27.29 | 19.54 |
| Dividend Yield (%) | 0.96 | 1.37 |
Holdings66
Top 5 Stocks9.10%
Top 10 Stocks14.23%
Top 3 Sectors12.81%
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| TREPS | Reverse Repo / TREPS | 22.40% | — |
| 6.64% CGL 2031 | Debt | 10.38% | +0.27% |
| National Bank for Agriculture and Rural Development | Debt | 3.99% | +0.09% |
| Bharat Sanchar Nigam Ltd. | Debt | 3.97% | +0.07% |
| Summit Digitel Infrastructure Pvt. Ltd. | Debt | 2.97% | +0.05% |
| HDFC Bank | Banks | 2.54% | +0.06% |
| ICICI Bank | Banks | 2.31% | -0.17% |
| Torrent Power Ltd. | Debt | 2.03% | +0.04% |
| Power Finance Corporation Ltd. | Debt | 2.02% | +0.05% |
| CIFCL MARKET LKD 2029 | Debt | 2.02% | +0.06% |
| Muthoot Finance Ltd. | Debt | 2.01% | +0.06% |
| Knowledge Realty Trust | Debt | 2.00% | +0.05% |
| REC Ltd. | Debt | 2.00% | +0.04% |
| Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) | Debt | 2.00% | +0.01% |
| Cholamandalam Investment & Finance Co. Ltd.Perpetual | Debt | 1.98% | — |
View all 68 holdings
| Larsen & Toubro | Construction | 1.58% | -0.08% |
| State Bank of India | Banks | 1.49% | -0.11% |
| Net Receivable / Payable | Derivatives | 1.21% | — |
| Maruti Suzuki | Automobiles | 1.18% | -0.12% |
| UltraTech Cement | Cement & Cement Products | 1.17% | -0.02% |
| Kotak Bank | Banks | 1.07% | +0.03% |
| Urban Company | Retailing | 1.02% | -0.03% |
| JSW Infrastructure | Transport Infrastructure | 0.95% | +0.07% |
| Bajaj Finance | Finance | 0.92% | -0.07% |
| Lenskart Solutions | Retailing | 0.92% | +0.05% |
| Anthem Biosciences | Pharmaceuticals & Biotechnology | 0.83% | -0.01% |
| Corona Remedies | Pharmaceuticals & Biotechnology | 0.81% | — |
| Union Bank of India( AT1 Bond under Basel III ) | Debt | 0.81% | +0.02% |
| Hyundai Motor India | Automobiles | 0.75% | -0.05% |
| Sona BLW Precision Forgings | Auto Components | 0.75% | +0.04% |
| Timken | Industrial Products | 0.73% | +0.02% |
| TVS Motors | Automobiles | 0.72% | -0.02% |
| Divis Laboratories | Pharmaceuticals & Biotechnology | 0.71% | +0.00% |
| Elevate Campuses | Realty | 0.71% | — |
| CDSL | Capital Markets | 0.71% | -0.05% |
| JSW Cement | Cement & Cement Products | 0.70% | -0.06% |
| Schaeffler India | Auto Components | 0.67% | +0.00% |
| Navin Fluorine International | Chemicals & Petrochemicals | 0.67% | -0.01% |
| Indian Hotels Company | Leisure Services | 0.62% | +0.01% |
| Asian Paints | Consumer Durables | 0.61% | -0.05% |
| Pidilite Industries | Chemicals & Petrochemicals | 0.59% | -0.07% |
| Grindwell Norton | Industrial Products | 0.59% | +0.01% |
| Tech Mahindra | IT - Software | 0.58% | -0.03% |
| Jubilant FoodWorks | Leisure Services | 0.58% | -0.04% |
| Balrampur Chini Mills | Agricultural Food & other Products | 0.56% | -0.01% |
| Nykaa | Retailing | 0.56% | -0.04% |
| Bajaj Finserv | Finance | 0.55% | -0.07% |
| ZF Commercial | Auto Components | 0.54% | -0.03% |
| Oberoi Realty | Realty | 0.53% | -0.02% |
| Thermax | Electrical Equipment | 0.53% | -0.07% |
| Coforge | IT - Software | 0.53% | -0.06% |
| Sudeep Pharma | Chemicals & Petrochemicals | 0.51% | -0.16% |
| Interglobe Aviation | Transport Services | 0.48% | -0.01% |
| Torrent Power | Power | 0.48% | +0.02% |
| Berger Paints | Consumer Durables | 0.48% | -0.03% |
| DLF | Realty | 0.48% | +0.01% |
| ABB | Electrical Equipment | 0.47% | -0.05% |
| Honeywell Automation | Industrial Manufacturing | 0.45% | -0.01% |
| Voltas | Consumer Durables | 0.43% | -0.04% |
| LTM | IT - Software | 0.41% | -0.04% |
| Biocon | Pharmaceuticals & Biotechnology | 0.40% | -0.04% |
| Godrej Properties | Realty | 0.40% | -0.08% |
| Pitti Engineering | Industrial Manufacturing | 0.38% | +0.02% |
| Page Industries | Textiles & Apparels | 0.38% | +0.01% |
| HDB Financial Services | Finance | 0.38% | -0.02% |
| Carborundum Universal | Industrial Products | 0.35% | +0.05% |
| Brigade Hotel Ventures | Leisure Services | 0.32% | +0.00% |
| ESAB India | Industrial Products | 0.12% | -0.01% |
Sector Allocation · Sep 2026
View all 22 sectors
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 6.57 | 10.03 | Low Volatility |
| 3Y | 5.75 | 9.44 | Low Volatility |
| 5Y | 5.74 | 8.94 | Low Volatility |
What is this?
Annualized population standard deviation of daily denomination-adjusted NAV returns, multiplied by sqrt(252). Values require a full timeframe of NAV history.
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.74 | -0.86 | Above Average |
| 3Y | 0.10 | 0.13 | Below Average |
| 5Y | 0.16 | 0.05 | Above Average |
What is this?
Annualized Sharpe ratio calculated from month-end NAV returns using the latest available FBIL Overnight MIBOR rate as the risk-free rate. For schemes with less than three years of history, the 3Y value uses since-inception data. Applied risk-free rate: 5.73% (published 2026-10-28).
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 0.24 | 0.14 | Above Average |
| 3Y | 1.69 | 1.80 | Below Average |
| 5Y | 1.74 | 1.62 | Above Average |
What is this?
Annualized from daily NAV returns using a 0.00% minimum acceptable return; downside deviation includes only returns below this target.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
ICICI Prudential Retirement Fund Hybrid Conservative Plan
Direct Plan · Growth
|
+3.76% | +9.45% | +8.46% | +9.46% |
|
ICICI Prudential Retirement Fund Pure Debt Plan
Regular Plan · IDCW
|
+2.93% | +5.47% | +4.89% | +6.02% |
|
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Regular Plan · GROWTH
|
+2.07% | +4.62% | +3.81% | +4.09% |
|
Tata Retirement Savings Fund-Progressive Plan
Regular Plan · Growth Option
|
+1.88% | +10.99% | +8.44% | +13.46% |
|
Tata Retirement Savings Fund-Moderate Plan
Regular Plan · Growth Option
|
+1.79% | +10.45% | +8.40% | +13.39% |
|
Tata Retirement Savings Fund-Conservative Plan
Regular Plan · Growth Option
|
+1.77% | +6.41% | +5.30% | +8.15% |
|
SBI Retirement Benefit Fund - Conservative Plan
Regular Plan · IDCW
|
+1.68% | +6.18% | +6.34% | +6.80% |
|
PGIM India Retirement Fund
Direct Plan · Direct Growth
|
+1.12% | — | — | +9.54% |
|
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Regular Plan · IDCW
|
+1.00% | +5.13% | +4.41% | +7.08% |
|
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
Direct Plan · IDCW
|
+0.77% | +17.08% | +13.59% | +15.40% |
More From SBI Funds Management Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
SBI Silver ETF Fund of Fund
Direct Plan · Growth
|
+26.44% | — | — | +34.72% |
|
SBI Silver ETF
Regular Plan · Growth
|
+26.42% | — | — | +34.10% |
|
SBI Automotive Opportunities Fund
Direct Plan · Growth
|
+22.38% | — | — | +11.34% |
|
SBI HEALTHCARE OPPORTUNITIES FUND
Direct Plan · Growth
|
+19.90% | +25.12% | +19.50% | +18.09% |
|
SBI GOLD FUND
Direct Plan · IDCW
|
+16.75% | +30.91% | +23.28% | +10.52% |
|
SBI Gold ETF
Regular Plan · Growth
|
+16.74% | +30.67% | +23.17% | +12.71% |
|
SBI US Specific Equity Active FoF
Direct Plan · IDCW
|
+13.48% | +25.68% | +15.32% | +17.28% |
|
SBI MNC FUND
Direct Plan · Growth
|
+12.26% | +7.58% | +7.60% | +14.39% |
|
SBI CHILDREN'S FUND - SAVINGS PLAN
Direct Plan · Growth
|
+7.89% | +11.10% | +10.14% | +11.88% |
|
SBI Children's Fund - Investment Plan
Direct Plan · Growth
|
+7.83% | +20.32% | +17.52% | +30.91% |
About This Scheme
Investment Objective
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.
Stated Asset Allocation
Equity and Equity related instruments 10%-40% High Debt, debt related instruments and money market instruments 60%-90% Low to Moderate Units issued by REITs and InVITs 0%-10% Medium to High Gold ETFs 0%-20% Medium to High
Fund Managers
Mr. Ardhendu Bhattacharya 30-Jun-2021 Mr. Rohit Shimpi 01-Oct-2021
Official Documents
Scheme Information Document (PDF)
Scheme Summary (PDF)
Scheme Summary (XLS)
SBI Funds Management Limited website
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.