SB
SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth
Latest NAV
+0.80% 1Y
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Benchmark: CRISIL Hybrid 65+35 - Conservative Index
Expense ratio
1.24%
AUM
₹248 Cr
Min SIP
₹500
Min lump sum
₹5,000
1Y
+0.80%
3Y (ann.)
+6.51%
5Y (ann.)
+7.46%
Launched
Feb 2021
Where the NAV sits & how risky it is
₹16.14
52-week range
at 72%
₹16.14
Low 30 Mar 2026₹15.15
High 10 Aug 2026₹16.53
Risk level
High
Low
Very high
NAV history
17 Feb 2021
Since inception
05 Oct 2026
Returns by period
1W
-0.94%
1M
-2.11%
3M
-1.24%
6M
+6.35%
1Y
+0.80%
3Y
+6.51%
5Y
+7.46%
3Y and 5Y returns are annualised.
Return calculator
You invest
—
Est. gain
—
Est. value
—
Invested Gain
Invested
Projected value
min SIP ₹500
Estimate only. It assumes the selected past return repeats every year; 3Y and 5Y figures are taken as annualised. Actual returns vary and are not guaranteed.
Where your money goes
AS OF 15 JUN 2026
Equity 39.30%
Cash & other 64.63%
Sector split
Country split
Top 5 hold 10.1%
Top 10 hold 15.9%
53 equity holdings
Equity holdings
(top 30)
| # | Holding | Sector | Country | Weight | YTD |
|---|---|---|---|---|---|
| 1 | HDFC Bank
INE040A01034 |
Financial Services Banks - Regional |
India |
2.93%
|
-18.35% |
| 2 | ICICI Bank
INE090A01021 |
Financial Services Banks - Regional |
India |
2.26%
|
+2.29% |
| 3 | Larsen & Toubro
INE018A01030 |
Industrials Engineering & Construction |
India |
1.82%
|
+4.19% |
| 4 | State Bank of India
INE062A01020 |
Financial Services Banks - Regional |
India |
1.54%
|
+8.20% |
| 5 | Maruti Suzuki
INE585B01010 |
Consumer Cyclical Auto Manufacturers |
India |
1.53%
|
-17.68% |
| 6 | Axis Bank
INE238A01034 |
Financial Services Banks - Regional |
India |
1.32%
|
+8.50% |
| 7 | UltraTech Cement
INE481G01011 |
Basic Materials Building Materials |
India |
1.19%
|
-2.48% |
| 8 | Reliance Industries
INE002A01018 |
Energy Oil & Gas Refining & Marketing |
India |
1.15%
|
-15.68% |
| 9 | Kotak Bank
INE237A01036 |
Financial Services Banks - Regional |
India |
1.12%
|
-7.09% |
| 10 | Infosys
INE009A01021 |
Technology Information Technology Services |
India |
1.01%
|
-34.00% |
About this scheme
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.
Fund manager(s): Ardhendu Bhattacharya, Rohit Shimpi
Exit load: No charges for withdrawal
Scheme snapshot
VR Rating
MS Rating
Plan
Growth
Type
DIRECT
Inception
17 Feb 2021
Lump-sum min
₹5,000
SIP
Purchase
Switch
STP
SWP
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