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SBI Retirement Benefit Fund - Conservative Plan Regular-idcw
Hybrid
Large Cap
Moderately High Risk
Latest AUM
₹ 144.9 Cr.
NAV as on 03 aug, 2026
₹ 14.68
+20.58%
3 years annulised
This Fund
Fund Details
Fund Names
SBI Retirement Benefit Fund - Conservative Plan Regular-idcw
Inception Date
10 Feb 2021
Lock In
1825
SIP Minimum Investment amount
₹500
SWP Minimum Investment amount
₹500
STP Minimum Investment amount
₹500
Risk
Principal at moderately high risk
Category Average Annual Returns
4.71
Portfolio Composition Analysis
Equity
19.24%
Debt
79.25%
Cash
1.51%
Portfolio Updated on: 10 Jul, 2026
Sector Allocations
Equity
Debt
Entities
Financial
Technology
Real Estate
Energy & Utilities
Industrials
Portfolio Updated on: 03 aug, 2026
Top 10 Holdings
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 | Entities | GOI Securities | 19.69% |
| GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 | Entities | GOI Securities | 19.69% |
| GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 | Entities | GOI Securities | 19.51% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 17.17% |
| GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 | Entities | GOI Securities | 16.81% |
| GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 | Entities | GOI Securities | 16.82% |
| GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 | Entities | GOI Securities | 16.73% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 16.26% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 16.24% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 16.11% |
Debt & Credit Risk Analysis
| Sharpe Ratio | 0.15% |
| Standard Deviation | 4.82% |
| Sortino Ratio | 0.18% |
Returns Analysis
| Tenure | Absolute | Annualised | Category Average |
|---|---|---|---|
| 3 Months | 3.22% | NA | 0.33% |
| 6 Months | 2.46% | NA | 5.09% |
| 9 Months | 2.15% | NA | 4.33% |
| 1 Year | 2.78% | 2.78% | 4.71% |
| 2 Years | 8.45% | 4.14% | 9.59% |
| 3 Years | 21.72% | 6.77% | 9.11% |
| 5 Years | 39.86% | 6.94% | 9.02% |
SBI Retirement Benefit Fund - Conservative Plan Regular-idcw is one Hybrid mutual fund offered by SBI Mutual Fund. Launched on 10 Feb 2021, the fund aims Long term capital appreciation. Investment predominantly in debt and money market instruments & remaining in equity and equity related instruments. It manages assets worth ₹144.9 crore as on Tue Jun 30, 2026. The expense ratio stands at 1.43%.
Pradeep Kesavan has experience Prior to joining SBI MF, he has worked with Elara Capital, Accenture Strategy, Morgan Stanley and 3i Infotech
Rohit Shimpi has experience Prior to joining SBI Mutual Fund, he has worked with CNBC TV18, JP Morgans offshore research centre and HDFC Standard Life Insurance.
Ardhendu Bhattacharya has experience Prior to joining SBI Mutual Fund, he has worked with ICICI Bank and Citibank.
Top Performing Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| SBI Children's Fund - Savings Plan Direct-growth | 144.7 | +0.60% | +5.34% | +7.53% | +8.59% | +12.28% | +10.65% |
| SBI Children's Fund - Savings Plan Regular-growth | 144.7 | +0.57% | +5.24% | +7.34% | +8.19% | +11.88% | +10.24% |
| Bank Of India Conservative Hybrid Fund Direct-growth | 65.1 | +0.25% | +1.44% | +2.95% | +4.52% | +7.30% | +10.15% |
| Bank Of India Conservative Hybrid Fund Direct-idcw Monthly | 65.1 | +0.25% | +1.44% | +2.95% | +4.52% | +7.30% | +10.15% |
| Bank Of India Conservative Hybrid Fund Direct-idcw Quarterly | 65.1 | +0.25% | +1.44% | +2.95% | +4.52% | +7.30% | +10.15% |
| Bank Of India Conservative Hybrid Fund Direct-idcw Yearly | 65.1 | +0.25% | +1.44% | +2.95% | +4.52% | +7.30% | +10.15% |
| Parag Parikh Conservative Hybrid Fund Direct-growth | 3,418.9 | +0.24% | +2.41% | +3.02% | +5.76% | +10.81% | +9.95% |
| Parag Parikh Conservative Hybrid Fund Direct-idcw Monthly | 3,418.9 | +0.24% | +2.41% | +3.02% | +5.76% | +10.81% | +9.95% |
| Parag Parikh Conservative Hybrid Fund Regular-growth | 3,418.9 | +0.21% | +2.32% | +2.85% | +5.43% | +10.47% | +9.62% |
| Parag Parikh Conservative Hybrid Fund Regular-idcw Monthly | 3,418.9 | +0.21% | +2.32% | +2.85% | +5.43% | +10.47% | +9.62% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More Funds from SBI Mutual Fund
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| SBI Conservative Hybrid Fund-growth | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund Direct-growth | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| SBI Conservative Hybrid Fund-idcw Monthly | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund Direct-idcw Monthly | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| SBI Conservative Hybrid Fund Direct-idcw Quarterly | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| SBI Conservative Hybrid Fund-idcw Quarterly | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund-idcw Yearly | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund Direct-idcw Yearly | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-growth | 256.8 | +0.69% | +3.77% | +2.48% | +3.28% | +7.49% | +8.10% |
| SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct-growth | 256.8 | +0.74% | +3.91% | +2.73% | +3.80% | +8.04% | +8.71% |
growth is based on 1-month returns of the funds
Top Mutual Funds
| Fund name | |||||||
|---|---|---|---|---|---|---|---|
| SBI Conservative Hybrid Fund Direct-growth | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| SBI Conservative Hybrid Fund-growth | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund Direct-idcw Monthly | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| SBI Conservative Hybrid Fund-idcw Monthly | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund-idcw Quarterly | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund Direct-idcw Quarterly | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| SBI Conservative Hybrid Fund-idcw Yearly | 10,144.7 | +0.19% | +2.80% | +3.60% | +5.76% | +8.64% | +8.55% |
| SBI Conservative Hybrid Fund Direct-idcw Yearly | 10,144.7 | +0.23% | +2.92% | +3.84% | +6.27% | +9.17% | +9.10% |
| Parag Parikh Conservative Hybrid Fund Regular-growth | 3,418.9 | +0.21% | +2.32% | +2.85% | +5.43% | +10.47% | +9.62% |
| Parag Parikh Conservative Hybrid Fund Direct-growth | 3,418.9 | +0.24% | +2.41% | +3.02% | +5.76% | +10.81% | +9.95% |
Top funds are based on Fund AUM
Top Hybrid Funds
| Fund name | ||||
|---|---|---|---|---|
| Sbi Children's Fund - Savings Plan Direct-growth | ₹129.95 | +12.28% | +10.65% | — |
| Sbi Children's Fund - Savings Plan Regular-growth | ₹118.76 | +11.88% | +10.24% | — |
| Bank Of India Conservative Hybrid Fund Direct-growth | ₹38.14 | +7.30% | +10.15% | — |
| Bank Of India Conservative Hybrid Fund Direct-idcw Monthly | ₹16.99 | +7.30% | +10.15% | — |
| Bank Of India Conservative Hybrid Fund Direct-idcw Quarterly | ₹18.74 | +7.30% | +10.15% | — |
| Bank Of India Conservative Hybrid Fund Direct-idcw Yearly | ₹17.38 | +7.30% | +10.15% | — |
| Parag Parikh Conservative Hybrid Fund Direct-growth | ₹16.18 | +10.81% | +9.95% | — |
| Parag Parikh Conservative Hybrid Fund Direct-idcw Monthly | ₹11.07 | +10.81% | +9.95% | — |
| Parag Parikh Conservative Hybrid Fund Regular-growth | ₹15.93 | +10.47% | +9.62% | — |
| Parag Parikh Conservative Hybrid Fund Regular-idcw Monthly | ₹10.82 | +10.47% | +9.62% | — |
growth is based on 5Y returns of the funds
Historical NAV
| Date | NAV |
|---|---|
| 03 Aug 2026 | ₹14.68 |
| 31 Jul 2026 | ₹14.62 |
| 30 Jul 2026 | ₹14.60 |
| 29 Jul 2026 | ₹14.61 |
| 28 Jul 2026 | ₹14.59 |
| 27 Jul 2026 | ₹14.59 |
| 24 Jul 2026 | ₹14.53 |
| 23 Jul 2026 | ₹14.54 |
| 22 Jul 2026 | ₹14.58 |
| 21 Jul 2026 | ₹14.63 |
| 20 Jul 2026 | ₹14.62 |
| 17 Jul 2026 | ₹14.64 |
| 16 Jul 2026 | ₹14.64 |
| 15 Jul 2026 | ₹14.62 |
| 14 Jul 2026 | ₹14.59 |
| 13 Jul 2026 | ₹14.66 |
| 10 Jul 2026 | ₹14.66 |
| 09 Jul 2026 | ₹14.60 |
| 08 Jul 2026 | ₹14.57 |
| 07 Jul 2026 | ₹14.68 |
| 06 Jul 2026 | ₹14.70 |
| 03 Jul 2026 | ₹14.68 |
| 02 Jul 2026 | ₹14.68 |
| 01 Jul 2026 | ₹14.63 |
| 30 Jun 2026 | ₹14.62 |
| 29 Jun 2026 | ₹14.60 |
| 25 Jun 2026 | ₹14.59 |
| 24 Jun 2026 | ₹14.55 |
| 23 Jun 2026 | ₹14.49 |
| 22 Jun 2026 | ₹14.51 |
Portfolio Updated on: 04 Aug, 2026
Fund Growth & Size Analysis
+₹144.9 Cr
Since Launch
This Fund
Category Average
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SBI Retirement Benefit Fund - Conservative Plan Regular-idcw FAQ'S
- Sharpe Ratio: 0.15%
- Standard Deviation: 4.82%
- Sortino Ratio: 0.18%
Additional important ratios:
As of Tue Jun 30, 2026, the total assets managed under SBI Retirement Benefit Fund - Conservative Plan Regular-idcw stand at approximately ₹ 144.9 crore.
The SBI Retirement Benefit Fund - Conservative Plan Regular-idcw has delivered the following short-term performance:
- 3 Months Return: 3.22%
- 6 Months Return: 2.46%
The historical growth of the SBI Retirement Benefit Fund - Conservative Plan Regular-idcw is reflected through its CAGR returns:
- 3 Year CAGR: 6.77%
- 5 Year CAGR: 6.94%
- Return Since Launch: 7.26%
The portfolio of SBI Retirement Benefit Fund - Conservative Plan Regular-idcw is distributed across different asset classes as follows:
- Equity: 19.24%
- Debt Instruments: 79.25%
- Other Assets: 1.51%
The SBI Retirement Benefit Fund - Conservative Plan Regular-idcw is managed by Ardhendu Bhattacharya, representing SBI Mutual Fund.
The SBI Retirement Benefit Fund - Conservative Plan Regular-idcw investments are allocated across market caps in the following manner:
- Large Cap Stocks: 54.97%
- Mid Cap Stocks: 23.78%
- Small Cap Stocks: 21.25%
Top stock holdings of SBI Retirement Benefit Fund - Conservative Plan Regular-idcw include:
- GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 – represents 19.69% of the portfolio
- GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 – represents 19.69% of the portfolio
- GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 – represents 19.51% of the portfolio
- GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 – represents 17.17% of the portfolio
- GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 – represents 16.81% of the portfolio
- GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 – represents 16.82% of the portfolio
- GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 – represents 16.73% of the portfolio
- GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 – represents 16.26% of the portfolio
- GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 – represents 16.24% of the portfolio
- GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 – represents 16.11% of the portfolio
Major sector exposures in SBI Retirement Benefit Fund - Conservative Plan Regular-idcw are:
- Entities – accounts for 461.71% of the portfolio
- Financial – accounts for 225.50% of the portfolio
- Technology – accounts for 157.71% of the portfolio
- Industrials – accounts for 64.49% of the portfolio
- Energy & Utilities – accounts for 56.66% of the portfolio
