December 23, 2025
RA Jainee
SBI Retirement Benefit Fund-Conservative Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 14.7115
NAV IDCW: Rs 14.7094
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 Plan
| Fund House | SBI Mutual Fund |
| Launch Date | 10-Feb-21 |
| Return Since Launch | 8.30% |
| Benchmark | CRISIL Hybrid 85+15 Conservative Index |
| Riskometer | Moderately High |
| Type | Open-ended |
| Assets | ₹ 175 Cr |
| (As on 30-Nov-2025) | |
| Expense | 0.91% |
| (As on 30-Nov-2025) | |
| Risk Grade | Average |
| Return Grade | Below Average |
| Turnover | — |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| SBI Retirement Benefit Conservative Dir | 5.25 | 0.22 | -0.01 | 0.57 | 1.01 | 4.99 | 8.66 | — | — | — |
| 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 | 21 | 8 | 11 | 23 | 27 | 20 | 25 | — | — | — |
| Number of funds in category | 28 | 29 | 29 | 29 | 28 | 28 | 28 | 25 | 22 | 21 |
Peer Comparison of SBI Retirement Benefit Fund-Conservative 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 Dir | 3 star | 4.99 | 8.66 | — | 0.91 | 175 | 8.30 | — | 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 Plan
| Number of Stocks | 51 |
| Number of Bonds | 12 |
| Average Maturity (yrs) | 17.79 |
| Top 10 Holdings | 67.84% |
| Portfolio P/B Ratio | 4.10 |
| Portfolio P/E Ratio | 29.40 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,88,224 | 2,70,456 |
| Giant (%) | 57.86 | 63.32 |
| Large (%) | 4.66 | 15.10 |
| Mid (%) | 32.75 | 16.17 |
| Small (%) | 4.74 | 10.23 |
| Tiny (%) | — | — |
| Fund | Category | |
| Number of Securities | 64 | 64 |
| Macaulay Duration (yrs) | 8.41 | 4.93 |
| Average Maturity (yrs) | 17.79 | 8.76 |
| Yield to Maturity (%) | 7.14 | 6.87 |
| Avg Credit Rating | AAA | — |
Chanakya’s Mutual Fund Guidance For SBI Retirement Benefit Fund-Conservative Plan
WILL POST SOON
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
Apply Online: https://online.sbimf.com/login
>> Post your MF questions @ sahifund.com/ask-me/
>> NFO Guidance:
https://sahifund.com/category/nfos/
Quicklinks
- Chanakyanipothi.com
- Staffavailable.com
- BigGaddi.com
- Latest IPO GMP
- Best Stocks to buy today
- Grey Market Premium
- Upcoming IPOs
- Subscription Status