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Solution Oriented Schemes ** - Retirement Fund
SBI Retirement Benefit Fund - Conservative Plan
Regular Plan · IDCW · SBI Mutual Fund
Risk: Moderately High Risk
52W Low ₹13.80 30 Mar 2026
52W High ₹14.71 13 Aug 2026
₹14.6009
NAV as of 4 Nov 2026
+0.43% day change
Other Plans of This Fund
ISININF200KA1T21
Scheme Code148687
StructureOpen Ended Schemes
Fund HouseSBI Funds Management Limited
AUM (avg. July - September 2026)₹2.04 Cr
Expense Ratio (as of 3 Nov 2026)1.45%
Min. InvestmentRs. 5,000/- and in multiples of Re. 1/- thereafter
Inception Date20 Jan 2021
BenchmarkNIFTY Composite Debt Index · NA
Portfolio Turnover141.33%
NFO Period20-Jan-2021 – 03-Feb-2021
Returns
1Y
+1.68%
3Y
+6.18%
5Y
+6.34%
Since Inception
+6.80%
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +1.32% | +3.10% | 27 of 29 |
| 1M | +0.69% | +2.05% | 25 of 29 |
| 3M | -0.48% | -2.98% | 3 of 29 |
| 6M | +2.40% | +0.56% | 5 of 29 |
| YTD | +1.16% | -1.35% | 8 of 29 |
| 1Y | +1.68% | -1.13% | 7 of 29 |
| 2Y | +3.27% | +1.82% | 8 of 29 |
| 3Y | +6.18% | +7.99% | 21 of 27 |
| 5Y | +6.34% | +7.00% | 15 of 25 |
| INCEPTION | +6.80% | — | — |
Ranked among: Solution Oriented Schemes ** - Retirement Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +1.73% | +6.89% | -4.37% | 78% | 32% |
| 6M | +3.43% | +8.27% | -3.32% | 87% | 36% |
| 1Y | +6.98% | +13.69% | -1.59% | 97% | 41% |
| 2Y | +7.84% | +12.62% | +2.24% | 100% | 43% |
| 3Y | +8.18% | +10.82% | +5.67% | 100% | 43% |
| 5Y | +6.76% | +7.59% | +5.97% | 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
- Equity19.00%
- Debt47.93%
- Cash31.28%
- Other1.79%
Market Cap Split
- Large Cap9.29%
- Mid Cap4.85%
- Small Cap4.86%
- Others81.00%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 25.50 | 24.10 |
| P/B | 4.05 | 3.50 |
| Price / Sales | 4.36 | 3.15 |
| Price / Cash Flow | 27.42 | 19.54 |
| Dividend Yield (%) | 0.96 | 1.37 |
Holdings64
Top 5 Stocks4.53%
Top 10 Stocks6.99%
Top 3 Sectors6.45%
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| TREPS | Reverse Repo / TREPS | 31.28% | — |
| National Bank for Agriculture and Rural Development | Debt | 7.20% | +0.13% |
| Bharat Sanchar Nigam Ltd. | Debt | 7.16% | +0.07% |
| Summit Digitel Infrastructure Pvt. Ltd. | Debt | 5.36% | +0.06% |
| Torrent Power Ltd. | Debt | 3.65% | +0.03% |
| CIFCL MARKET LKD 2029 | Debt | 3.64% | +0.09% |
| Muthoot Finance Ltd. | Debt | 3.63% | +0.09% |
| Knowledge Realty Trust | Debt | 3.61% | +0.07% |
| REC Ltd. | Debt | 3.60% | +0.04% |
| Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) | Debt | 3.60% | -0.01% |
| Cholamandalam Investment & Finance Co. Ltd.Perpetual | Debt | 3.57% | — |
| Union Bank of India( AT1 Bond under Basel III ) | Debt | 2.91% | +0.06% |
| Net Receivable / Payable | Derivatives | 1.83% | — |
| HDFC Bank | Banks | 1.24% | +0.02% |
| ICICI Bank | Banks | 1.17% | -0.09% |
View all 66 holdings
| Larsen & Toubro | Construction | 0.79% | -0.04% |
| State Bank of India | Banks | 0.74% | -0.06% |
| Maruti Suzuki | Automobiles | 0.59% | -0.06% |
| UltraTech Cement | Cement & Cement Products | 0.57% | -0.01% |
| Kotak Bank | Banks | 0.51% | +0.01% |
| Lenskart Solutions | Retailing | 0.47% | +0.03% |
| Urban Company | Retailing | 0.46% | -0.02% |
| TVS Motors | Automobiles | 0.45% | -0.01% |
| Bajaj Finance | Finance | 0.45% | -0.03% |
| JSW Infrastructure | Transport Infrastructure | 0.43% | +0.03% |
| Sona BLW Precision Forgings | Auto Components | 0.41% | +0.02% |
| Corona Remedies | Pharmaceuticals & Biotechnology | 0.41% | — |
| Anthem Biosciences | Pharmaceuticals & Biotechnology | 0.41% | +0.00% |
| Divis Laboratories | Pharmaceuticals & Biotechnology | 0.39% | +0.00% |
| Hyundai Motor India | Automobiles | 0.38% | -0.02% |
| Timken | Industrial Products | 0.37% | +0.00% |
| Schaeffler India | Auto Components | 0.37% | +0.00% |
| JSW Cement | Cement & Cement Products | 0.36% | -0.03% |
| Navin Fluorine International | Chemicals & Petrochemicals | 0.36% | -0.01% |
| CDSL | Capital Markets | 0.35% | -0.03% |
| Elevate Campuses | Realty | 0.35% | — |
| ZF Commercial | Auto Components | 0.31% | -0.01% |
| Bajaj Finserv | Finance | 0.30% | -0.05% |
| Indian Hotels Company | Leisure Services | 0.30% | +0.01% |
| Grindwell Norton | Industrial Products | 0.29% | +0.00% |
| Asian Paints | Consumer Durables | 0.29% | -0.02% |
| Tech Mahindra | IT - Software | 0.29% | -0.01% |
| Jubilant FoodWorks | Leisure Services | 0.27% | -0.02% |
| Pidilite Industries | Chemicals & Petrochemicals | 0.27% | -0.03% |
| Nykaa | Retailing | 0.27% | -0.01% |
| Coforge | IT - Software | 0.26% | -0.03% |
| Balrampur Chini Mills | Agricultural Food & other Products | 0.26% | +0.00% |
| Sudeep Pharma | Chemicals & Petrochemicals | 0.25% | -0.08% |
| Thermax | Electrical Equipment | 0.25% | -0.03% |
| Oberoi Realty | Realty | 0.24% | -0.01% |
| Torrent Power | Power | 0.24% | +0.01% |
| ABB | Electrical Equipment | 0.23% | -0.02% |
| DLF | Realty | 0.23% | +0.00% |
| Pitti Engineering | Industrial Manufacturing | 0.22% | +0.01% |
| Godrej Properties | Realty | 0.22% | -0.04% |
| Berger Paints | Consumer Durables | 0.22% | -0.01% |
| HDB Financial Services | Finance | 0.21% | -0.01% |
| Honeywell Automation | Industrial Manufacturing | 0.21% | -0.01% |
| Interglobe Aviation | Transport Services | 0.21% | +0.00% |
| Voltas | Consumer Durables | 0.20% | -0.02% |
| LTM | IT - Software | 0.19% | -0.02% |
| Page Industries | Textiles & Apparels | 0.19% | +0.01% |
| Carborundum Universal | Industrial Products | 0.18% | +0.02% |
| Brigade Hotel Ventures | Leisure Services | 0.17% | -0.01% |
| Biocon | Pharmaceuticals & Biotechnology | 0.16% | -0.02% |
| ESAB India | Industrial Products | 0.04% | -0.01% |
Sector Allocation · Sep 2026
View all 22 sectors
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 4.43 | 10.03 | Low Volatility |
| 3Y | 3.66 | 9.44 | Low Volatility |
| 5Y | 3.53 | 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 | -0.79 | -0.86 | Above Average |
| 3Y | 0.06 | 0.13 | Below Average |
| 5Y | 0.11 | 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 | 0.58 | 0.14 | Above Average |
| 3Y | 2.51 | 1.80 | Above Average |
| 5Y | 2.68 | 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 Hybrid Plan
Direct Plan · Growth
|
+1.40% | +7.18% | +7.48% | +8.87% |
|
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
Debt, debt related instruments and money market instruments 80%-100% Low to Moderate Equity and Equity related instruments 0%-20% High 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.