NSE ScannerSBI Mutual Fund · Solution Oriented · Retirement · Direct plan
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth
₹16.0409NAV on 31 Oct 2026Expense ratio 1.26%
30 Oct 2025NAV low 15.15 · high 16.53-0.8%
In plain words
Over 3 years it returned +6.8% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -6.9%.
On 3-year return it ranks 22 of 26 funds in Retirement.
A monthly SIP over 5 years ended ₹9,710 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 | -0.7% | +1.9% |
| 3 months | -2.0% | -5.1% |
| 6 months | +1.1% | -3.2% |
| 1 year | -0.7% | -10.2% |
| 3 years (yearly) | +6.8% | +7.4% |
| 5 years (yearly) | +7.2% | +6.5% |
| Since start (yearly) | +8.5% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,19,871 | -0.2% |
| 3 years | ₹3,60,000 | ₹3,78,164 | +3.1% |
| 5 years | ₹5,90,000 | ₹6,87,607 | +6.0% |
Top holdings (30 Sept 2026)
Fund size ₹248 crore · 66 holdings · 38.2% in equity
| Company | Industry | Weight |
|---|---|---|
| 6.64% CGL 2031 | Sovereign | 10.38% |
| National Bank for Agriculture and Rural Development | CRISIL AAA | 3.99% |
| Bharat Sanchar Nigam Ltd. | CRISIL AAA(CE) | 3.97% |
| Summit Digitel Infrastructure Pvt. Ltd. | CRISIL AAA | 2.97% |
| HDFC Bank Ltd. | Banks | 2.54% |
| ICICI Bank Ltd. | Banks | 2.31% |
| Torrent Power Ltd. | CRISIL AA+ | 2.03% |
| Power Finance Corporation Ltd. | CRISIL AAA | 2.02% |
| Cholamandalam Investment & Finance Co. Ltd. | [ICRA]AA+ | 2.02% |
| Muthoot Finance Ltd. | CRISIL AA+ | 2.01% |
| Knowledge Realty Trust | CRISIL AAA | 2.00% |
| REC Ltd. | CRISIL AAA | 2.00% |
| Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) | [ICRA]AA+ | 2.00% |
| Cholamandalam Investment & Finance Co. Ltd.Perpetual | [ICRA]AA | 1.98% |
| Larsen & Toubro Ltd. | Construction | 1.58% |
Largest industries: CRISIL AAA 13.0%, Sovereign 10.4%, Banks 7.4%, CRISIL AA+ 4.8%, [ICRA]AA+ 4.0%, CRISIL AAA(CE) 4.0%.
Other plan of this fund: SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth