December 23, 2025
RA Jainee
SBI Retirement Benefit Fund-Conservative Hybrid Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 16.1588
NAV IDCW: Rs 16.1566
Suitable For Which Investors?
X
Fund’s Investment Strategy:
The scheme seeks to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes.
Fund Manager:
1) Rohit Shimpi
Education: Mr. Shimpi is a B. Com., PGDBM (Finance), CFA.
Experience: Prior to joining SBI Mutual Fund, he has worked with CNBC TV18, JP Morgans offshore research centre and HDFC Standard Life Insurance.
2) Ardhendu Bhattacharya
Education: Mr. Bhattacharya is a MBA (Marketing) and Bachelor of Engineering.
Experience: Prior to joining SBI Mutual Fund, he has worked with ICICI Bank and Citibank.
Investment Details
| Min. Investment (₹) | 5,000 |
| Min. Addl Investment (₹) | 1,000 |
| Min. SIP Investment (₹) | 500 |
| Min. Withdrawal (₹) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (₹) | 500 |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of SBI Retirement Benefit Fund-Conservative Hybrid Plan
| Fund House | SBI Mutual Fund |
| Launch Date | 10-Feb-21 |
| Return Since Launch | 10.37% |
| Benchmark | CRISIL Hybrid 65+35 Conservative |
| Riskometer | High |
| Type | Open-ended |
| Assets | ₹287 Cr |
| (As on 30-Nov-2025) | |
| Expense | 1.17% |
| (As on 30-Nov-2025) | |
| Risk Grade | High |
| Return Grade | Above Average |
| Turnover | — |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| SBI Retirement Benefit Conservative Hybrid Dir | 5.16 | 0.33 | -0.09 | 0.45 | 1.77 | 4.42 | 9.87 | — | — | — |
| VR Conservative Hybrid TRI | 8.33 | 0.16 | 0.00 | 1.66 | 3.28 | 8.08 | 9.53 | — | — | — |
| Hybrid: Conservative Hybrid | 6.28 | 0.17 | -0.13 | 1.07 | 2.57 | 6.00 | 9.85 | — | — | — |
| Rank within category | 22 | 2 | 16 | 25 | 24 | 23 | 14 | — | — | — |
| Number of funds in category | 28 | 29 | 29 | 29 | 28 | 28 | 28 | 25 | 22 | 21 |
Peer Comparison of SBI Retirement Benefit Fund-Conservative Hybrid Plan
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| SBI Retirement Benefit Conservative Hybrid Dir | 2 star | 4.42 | 9.87 | — | 1.17 | 287 | 10.37 | — | 4Y 10M | — |
| SBI Conservative Hybrid Dir | 4 star | 6.43 | 10.20 | 10.28 | 1.05 | 9,977 | 9.90 | 1.00 (365) | 12Y 11M | — |
| ICICI Pru Regular Savings Dir | 5 star | 8.26 | 10.75 | 10.00 | 1.00 | 3,375 | 10.66 | 1.00 (365) | 12Y 11M | 20.00 |
| HDFC Hybrid Debt Dir | 4 star | 5.57 | 10.23 | 10.37 | 1.17 | 3,373 | 9.78 | 1.00 (365) | 12Y 11M | — |
| Parag Parikh Conservative Hybrid Dir | 5 star | 7.45 | 11.32 | — | 0.34 | 3,168 | 10.16 | 1.00 (365) | 4Y 6M | — |
Portfolio Analysis of SBI Retirement Benefit Fund-Conservative Hybrid Plan
| Number of Stocks | 51 |
| Number of Bonds | 14 |
| Average Maturity (yrs) | 16.83 |
| Top 10 Holdings | 54.56% |
| Portfolio P/B Ratio | 4.11 |
| Portfolio P/E Ratio | 29.51 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,87,258 | 2,70,456 |
| Giant (%) | 57.87 | 63.32 |
| Large (%) | 4.49 | 15.10 |
| Mid (%) | 32.84 | 16.17 |
| Small (%) | 4.80 | 10.23 |
| Tiny (%) | — | — |
| Fund | Category | |
| Number of Securities | 66 | 64 |
| Macaulay Duration (yrs) | 7.35 | 4.93 |
| Average Maturity (yrs) | 16.83 | 8.76 |
| Yield to Maturity (%) | 7.06 | 6.87 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For SBI Retirement Benefit Fund-Conservative Hybrid Plan
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