NSE ScannerSBI Mutual Fund · Solution Oriented · Retirement · Direct plan
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth
₹14.8509NAV on 30 Oct 2026Expense ratio 0.98%
29 Oct 2025NAV low 14.15 · high 15.12+0.6%
In plain words
Over 3 years it returned +6.4% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -4.4%.
On 3-year return it ranks 24 of 26 funds in Retirement.
A monthly SIP over 5 years ended ₹8,642 higher in the direct plan than the regular plan, because of the lower expense ratio.
Past returns, not a promise of future returns or a recommendation.
Returns vs benchmark
| Period | Fund | Benchmark |
|---|---|---|
| 1 month | -0.5% | +1.9% |
| 3 months | -1.0% | -5.1% |
| 6 months | +1.8% | -3.2% |
| 1 year | +0.9% | -10.2% |
| 3 years (yearly) | +6.4% | +7.4% |
| 5 years (yearly) | +6.6% | +6.5% |
| Since start (yearly) | +7.1% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,993 | +1.4% |
| 3 years | ₹3,60,000 | ₹3,82,560 | +3.8% |
| 5 years | ₹5,90,000 | ₹6,84,646 | +5.8% |
Top holdings (30 Sept 2026)
Fund size ₹138 crore · 64 holdings · 19% in equity
| Company | Industry | Weight |
|---|---|---|
| National Bank for Agriculture and Rural Development | CRISIL AAA | 7.20% |
| Bharat Sanchar Nigam Ltd. | CRISIL AAA(CE) | 7.16% |
| Summit Digitel Infrastructure Pvt. Ltd. | CRISIL AAA | 5.36% |
| Torrent Power Ltd. | CRISIL AA+ | 3.65% |
| Cholamandalam Investment & Finance Co. Ltd. | [ICRA]AA+ | 3.64% |
| Muthoot Finance Ltd. | CRISIL AA+ | 3.63% |
| Knowledge Realty Trust | CRISIL AAA | 3.61% |
| REC Ltd. | CRISIL AAA | 3.60% |
| Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) | [ICRA]AA+ | 3.60% |
| Cholamandalam Investment & Finance Co. Ltd.Perpetual | [ICRA]AA | 3.57% |
| Union Bank of India( AT1 Bond under Basel III ) | CRISIL AA+ | 2.91% |
| HDFC Bank Ltd. | Banks | 1.24% |
| ICICI Bank Ltd. | Banks | 1.17% |
| Larsen & Toubro Ltd. | Construction | 0.79% |
| State Bank of India | Banks | 0.74% |
Largest industries: CRISIL AAA 19.8%, CRISIL AA+ 10.2%, [ICRA]AA+ 7.2%, CRISIL AAA(CE) 7.2%, Banks 3.7%, [ICRA]AA 3.6%.
Other plan of this fund: SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth