SBI Retirement Benefit Fund-Conservative P-D(IDCW)

Retirement Fund

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NAV
14.77(0.02%)
Fund Size (CR)
₹172.01
Expense Ratio
1.38
Scheme Type
Active Fund
Value Research
-

Min. investment
₹5,000
Minimum Additional Investment
₹1,000
Minimum SIP Investment
₹500
Minimum Withdrawal
₹500
Exit Load
0%
Return Since Launch
8.08%

Absolute Return: 0.44%

Annualized Return: 0%

Basic Details

Scheme Manager

Ardhendu Bhattacharya

Bench Mark

CRISIL Hybrid 85+15 - Conservative Index

Type

OPEN

Lumpsum Returns

Period Invested For	₹10,000 Invested on	Latest Value	Absolute Returns	Annualised Returns	Category Avg	Rank within Category
1 Week	10 February 2026	10026.06	0.26%	-	-0.33%	23/106
1 Month	16 January 2026	10060.96	0.61%	-	0.66%	45/106
3 Month	17 November 2025	10042.70	0.43%	-	-0.50%	25/106
6 Month	14 August 2025	10158.58	1.59%	-	2.89%	81/106
1 Year	17 February 2025	10621.09	6.21%	6.21%	11.41%	91/106
3 Year	17 February 2023	12811.31	28.11%	8.60%	13.70%	78/94
5 Year	17 February 2021	14728.55	47.29%	8.05%	10.79%	65/90
Since Inception	10 February 2021	14771.70	47.72%	8.08%	11.24%	86/106

Note: Lumpsum Returns since Inception Date.

SIP Returns

Period Invested For	₹10,000 Invested on	Investments	Latest Value	Absolute Returns	Annualised Returns
1 Year	3 March 2025	1,20,000	122066.28	1.72%	1.72%
3 Year	1 March 2023	3,60,000	397067.55	10.30%	3.32%
5 Year	1 March 2021	6,00,000	724887.01	20.81%	3.85%
10 Year	-	-	-	-	-

Note: SIP Returns since Inception Date.

Tax Treatment

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 10%, if your total long term capital gain exceeds 1 lakh. Any cess/surcharge is not included.If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 15%. Any cess/surcharge is not included in the 15%.

Mutual Funds Calculator

Monthly Investment (₹)

Minimum value allowed is 500

Expected Returns Rate (%)

Minimum value allowed is 1

Time Period (in Years)

Minimum value allowed is 1

Start your SIP now

Invested Amount
₹25,000
Estimated Returns
₹19,059

76%

Returns

Future value of your investment

₹44,059

Risk Ratios

0.98%

Standard Deviation

0.26%

Beta

0.88%

Sharpe Ratio

0.02%

Treynor's Ratio

1.39%

Jension's Alpha

Asset Allocation

Sector Allocation

Top 10 stock holding in portfolio

Stock Invested in	% of Total Holdings	Quantity	Value (Cr)	Asset Type	Segment
HDFC Bank	1.56%	28882	2.68	Equity	Banks
ICICI Bank	1.13%	14400	1.95	Equity	Banks
Reliance Industr	1.12%	13850	1.93	Equity	Refineries
Infosys	0.83%	8685	1.43	Equity	IT - Software
SBI	0.80%	12699	1.37	Equity	Banks
Larsen & Toubro	0.79%	3472	1.37	Equity	Infrastructure Developers & Operators
Maruti Suzuki	0.71%	835	1.22	Equity	Automobile
UltraTech Cem.	0.62%	840	1.07	Equity	Cement
Axis Bank	0.56%	6975	0.96	Equity	Banks
Kotak Mah. Bank	0.49%	20500	0.84	Equity	Banks

Peer Comparison

Scheme Name	Asset Size (Cr)	1M	3M	6M	1Y	3Y
SBI Retirement Benefit Fund-Conservative P-D(IDCW)	172.01	0.61%	0.43%	1.59%	6.21%	8.60%
ICICI Pru Retirement Fund - Pure Equity - Dir (IDCW)	1652.05	1.15%	-0.32%	7.30%	25.20%	27.64%
ICICI Pru Retirement Fund - Pure Equity - Dir (G)	1652.05	1.15%	-0.32%	7.30%	25.19%	27.62%
Aditya Birla SL Retirement-The 30s Plan-Dir (IDCW)	419.29	1.17%	-0.18%	5.27%	22.61%	18.23%
Aditya Birla SL Retirement-The 30s Plan-Dir (G)	419.29	1.17%	-0.18%	5.26%	22.60%	18.23%
ICICI Pru Retirement Fund - Hybrid AP - Dir (G)	1093.36	0.70%	0.66%	7.61%	22.49%	24.31%

List of Schemes under SBI Mutual Fund

Fund Name	Category	Risk	1Y Returns	Ratings	Fund Size (Cr)
SBI Banking & Financial Services Fund	Equity	Very High	29.03%	4	₹10,414.75
SBI Dynamic Bond Fund	Debt	Moderate	6.02%	3	₹4,240.89
SBI Constant Maturity 10- Year Gilt Fund	Debt	Moderate	6.72%	0	₹1,835.68
SBI Retirement Benefit Fund-Aggrs Hyb Plan	Solution Oriented	Very High	13.1%	3	₹1,657.62
SBI MNC Fund	Equity	Very High	4.68%	0	₹5,602.35
SBI PSU Fund	Equity	Very High	34.62%	0	₹5,979.80
SBI Equity Hybrid Fund	Hybrid	Very High	14.67%	3	₹81,241.59
SBI Children's Fund - Investment Plan	Solution Oriented	Very High	14.8%	5	₹5,175.56
SBI Nifty200 Quality 30 Index Fund	Other	Very High	0%	0	₹304.80
SBI CRISIL IBX SDL Index-September 2027 Fund	Other	Moderate	7.67%	0	₹970.49
SBI Medium to Long Duration Fund	Debt	Moderate	6.03%	4	₹2,087.38
SBI Multi Asset Allocation Fund	Hybrid	Very High	23.94%	4	₹14,943.80
SBI BSE Sensex Index Fund	Other	Very High	10.61%	0	₹301.77
SBI Large Cap Fund	Equity	Very High	15.1%	4	₹54,821.33
SBI Balanced Advantage Fund	Hybrid	Very High	12.73%	5	₹40,202.72
SBI Long Duration Fund	Debt	Moderate	3.32%	0	₹1,859.79
SBI Children Fund - Savings Plan	Solution Oriented	Moderately High	7.52%	5	₹132.18
SBI Conservative Hybrid Fund	Hybrid	High	9.54%	4	₹9,760.91
SBI Gilt Fund	Debt	Moderate	4.72%	4	₹10,551.74
SBI Equity Savings Fund	Hybrid	Moderately High	10.94%	3	₹5,816.31
SBI Technology Opportunities Fund	Equity	Very High	-4.15%	0	₹5,055.86
SBI Consumption Opportunities Fund	Equity	Very High	3.38%	4	₹2,930.06
SBI Nifty India Consumption Index Fund	Other	Very High	12.03%	0	₹279.83
SBI Retirement Benefit Fund-Conser Hyb Plan	Solution Oriented	High	7.3%	2	₹280.02
SBI Saving Fund	Debt	Moderate	7.29%	3	₹37,079.14
SBI Energy Opportunities Fund	Equity	Very High	23.75%	0	₹8,609.85
SBI Large & Midcap Fund	Equity	Very High	19.41%	4	₹37,496.73
SBI Short Horizon Debt - Short Term	Debt	Moderate	7.86%	3	₹17,219.19
SBI Floating Rate Debt Fund	Debt	Moderately Low	6.96%	3	₹730.64
SBI Nifty50 Equal Weight Index Fund	Other	Very High	17.47%	0	₹1,044.93
SBI CPSE Bond Plus SDL Sep 2026 50:50 Index Fund	Other	Moderately Low	7.26%	0	₹7,669.22
SBI Automotive Opportunities Fund	Equity	Very High	34.26%	0	₹5,014.61
SBI Banking and PSU Fund	Debt	Moderate	7.42%	3	₹4,116.12
SBI ESG Exclusionary Strategy Fund	Equity	Very High	12.05%	0	₹5,514.13
SBI Credit Risk Fund	Debt	Moderately High	8.53%	3	₹2,163.97
SBI Healthcare Opportunities Fund	Equity	Very High	7.15%	5	₹3,822.73
SBI Nifty100 Low Volatility 30 Index Fund	Other	Very High	0%	0	₹64.26
SBI Midcap Fund	Equity	Very High	11.84%	3	₹22,424.17
SBI Nifty Midcap 150 Index Fund	Other	Very High	19.95%	3	₹935.12
SBI Gold Fund	Other	Very High	73.72%	5	₹15,024.31
SBI BSE PSU Bank Index Fund	Other	Very High	0%	0	₹221.85
SBI Nifty200 Momentum 30 Index Fund	Other	Very High	0%	0	₹108.27
SBI CRISIL IBX Gilt Index-June 2036 Fund	Other	Moderate	7.18%	0	₹2,709.33
SBI Nifty Smallcap 250 Index Fund	Other	Very High	11.32%	3	₹1,403.82
SBI Silver ETF Fund of Fund	Other	Very High	138.07%	0	₹4,779.20
SBI CRISIL IBX Gilt Index-April 2029 Fund	Other	Moderate	8.31%	0	₹2,019.16
SBI Small Cap Fund	Equity	Very High	8.71%	2	₹34,449.23
SBI Corporate Bond Fund	Debt	Moderately Low	7.73%	3	₹22,533.55
SBI Overnight Fund	Debt	Low	5.59%	3	₹35,050.97
SBI Long Term Advantage Fund - Series VI	Equity	Moderately High	10.61%	0	₹261.54
SBI Retirement Benefit Fund-Aggressive Plan (G)	Solution Oriented	Very High	11.71%	3	₹3,057.44
SBI Comma Fund	Equity	Very High	28.13%	0	₹896.01
SBI Long Term Advantage Fund - Series III	Equity	Moderately High	8.38%	0	₹65.21
SBI ELSS Tax Saver Fund	Equity	Very High	13.39%	5	₹31,861.52
SBI Flexi Cap Fund	Equity	Very High	10.57%	3	₹23,147.51
SBI Contra Fund	Equity	Very High	12.19%	5	₹48,729.33
SBI Long Term Advantage Fund - Series V	Equity	Moderately High	20.85%	0	₹368.70
SBI Equity Minimum Variance	Equity	Very High	8.66%	0	₹213.11
SBI US Specific Equity Active FoF	Other	Very High	28.03%	0	₹1,152.72
SBI Nifty Bank Index Fund	Other	Very High	24.85%	0	₹144.38
SBI Ultra Short Duration Fund	Debt	Moderately Low	7%	2	₹14,031.67
SBI Nifty Index Fund	Other	Very High	12.98%	3	₹11,793.30
SBI Dividend Yield Fund	Equity	Very High	13.49%	0	₹8,912.60
SBI Nifty 500 Index Fund	Other	Very High	14.64%	0	₹778.67
SBI Innovative Opportunities Fund	Equity	Very High	3.91%	0	₹5,300.79
SBI Focused Fund	Equity	Very High	18.57%	4	₹42,998.42
SBI Long Term Advantage Fund - Series IV	Equity	Moderately High	13.11%	0	₹207.94
SBI Retirement Benefit Fund-Conservative Plan	Solution Oriented	Moderately High	6.21%	3	₹172.01
SBI Quant Fund	Equity	Very High	17.32%	0	₹3,518.05
SBI Multicap Fund	Equity	Very High	10.24%	3	₹22,975.18
SBI Low Duration Fund	Debt	Moderate	7.33%	3	₹17,198.50
SBI Infrastructure Fund-Series	Equity	Very High	12.01%	3	₹4,545.62
SBI Nifty IT Index Fund	Other	Very High	0%	0	₹76.16
SBI Dynamic Asset Allocation Active FoF	Other	High	0%	0	₹2,360.02
SBI Liquid Fund	Debt	Moderate	6.37%	2	₹59,282.02
SBI Medium Duration Fund	Debt	Moderately High	7.87%	3	₹6,830.29
SBI Nifty Next 50 Index Fund	Other	Very High	18.08%	2	₹1,814.36
SBI Income Plus Arbitrage Active FOF	Other	Moderately Low	0%	0	₹1,729.22
SBI Arbitrage Opportunities Fund	Hybrid	Low	7%	4	₹43,574.28

News

SBI Mutual Fund announces change in fund manager under its schemes

SBI Mutual Fund has announced change in fund manager under the following schemes, With effect from 01 January 2026.

Change in Fund Manager:

Scheme Name	Existing Fund Manager(s)	New Fund Manager(s)
SBI ELSS Tax Saver Fund	Mr. Dinesh Balachandran	Mr. Milind Agrawal
SBI Dividend Yield Fund	Mr. Rohit Shimpi	Mr. Nidhi Chawla

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SBI Mutual Fund announces change in scheme name

SBI Mutual Fund has announced change in scheme name under the following schemes, With effect from 15 December 2025.

Change in the name of the Scheme:

Existing Scheme(s) Name	Revised Scheme(s) Name
SBI Magnum Medium Duration Fund	SBI Medium Duration Fund
SBI Magnum Ultra Short Duration Fund	SBI Ultra Short Duration Fund
SBI Magnum Constant Maturity Fund	SBI Constant Maturity 10- Year Gilt Fund
SBI Magnum Income Fund	SBI Medium to Long Duration Fund
SBI Magnum Gilt Fund	SBI Gilt Fund
SBI Magnum Low Duration Fund	SBI Low Duration Fund
SBI Magnum Children's Benefit Fund - IP	SBI Children's Fund - Investment Plan
SBI Magnum Children's Benefit Fund - Savings Plan	SBI Children's Fund - Savings Plan

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SBI Mutual Fund announces change in Key Personnel
SBI Mutual Fund has announced the Ms. Sanjay Prakash have been appointed as an Independent Director on the board of SBI Asset Management (India) Pvt. Ltd. (SBIFML) effective October 23, 2025.
Details of Mr. Sanjay Prakash
Age: 61 years
Designation: Independent Director
Qualification: B.A. Ecnomics (Hons): Advanced Management Program (AMP) from Harvard Business School
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Fund House Details & Investment Objective

Date of Incorporation

20 January 2021

Total AUM (Cr)

₹172.01

SBI Retirement Benefit Fund-Conservative P-D(IDCW) is an Retirement Fund-oriented fund from the renowned AMC, SBI Mutual Fund. Launched in 20 January 2021, this fund is managed by Ardhendu Bhattacharya. With assets under management (AUM) worth ₹172.01 (Cr), as of 18 February 2026, SBI Retirement Benefit Fund-Conservative P-D(IDCW) is categorized as a Retirement Fund within its segment. The fund has generated a return of 8.08% since its launch.
The current NAV of SBI Retirement Benefit Fund-Conservative P-D(IDCW) is ₹14.77, as on 18 February 2026. The fund's benchmark index is CRISIL Hybrid 85+15 - Conservative Index. You can invest in SBI Retirement Benefit Fund-Conservative P-D(IDCW) via both lumpsum and SIP modes. The minimum SIP amount in the fund is ₹500 while the minimum lumpsum investment is ₹5,000.

Being an open-ended fund, you can exit the fund anytime subject to applicable exit loads:
The fund has generated 8.60% and 8.05% CAGR in the last 3 and 5 years respectively.

The fund aims to provide long-term capital appreciation and growth, by investing in a mix of financial instruments 18.87% in Equity, 79.76% in Debt and 1.37% in cash and cash equivalents.
The top 5 sectors the fund invests in are: 79.31% in Debt, 4.50% in Banks, 1.54% in Cash & Others, 1.25% in Petroleum Products, 1.16% in Automobiles