
SBI Retirement Benefit Fund - Conservative Plan Direct Growth
SBI Retirement Benefit Fund - Conservative Plan Direct Growth
as on 09 Nov 2026
SBI Retirement Benefit Fund - Conservative Plan Direct Growth is a Solution Oriented mutual fund scheme launched on 17 Feb 2021. The current NAV stands at ₹15.1925 as of 09 Nov 2026. From the funds total AUM, its top holdings include GOI LOAN 6.90% 2065 at 15.70%, Treps at 7.28%, Bharat Sanchar Nigam Limited at 6.92%, NBRD 7.44% 2029 SR 26F at 6.91%, GOI LOAN 7.43% 2076 at 6.70%
Scheme Overview
- Inception Date : 17 Feb 2021
- AUM : ₹135.20 Cr
- 5Y Returns (CAGR) : 7.04%
- Expense Ratio : 0.98%
- Min. SIP : ₹500
- Min. Lumpsum : ₹5,000
Returns Calculator
basis annualised returns
Investment Type
SIP Amount
Investment Period
5Y
₹ 32.73 L
3.50%
₹ 36.98 L
8.00%
₹ 36.04 L
7.04%
Total Investment
₹ 30,00,000
Returns
₹ 6,04,376 (7.04%)
Maturity Value
₹ 36,04,376
Disclaimer: Fixed deposits offer guaranteed returns. Mutual fund investments carry market risks; read all scheme-related documents carefully. Past performance does not guarantee future returns.
Direct vs Regular Returns
Sorry, No Data Available at this Moment!
Returns vs Category
Sorry, No Data Available at this Moment!
*The above returns are absolute
Returns Vs Nifty 50
Historical Returns
Sorry, No Data Available at this Moment!
Start SIP with as Low as ₹100.
Historical NAV
Sorry, No Data Available at this Moment!
Asset Allocation
AUM
₹ 135.20 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
-
Asset Allocation
AUM
₹135.20 Cr
Cash Holding
-
Equity
-
Cash
-
Debt
-
Other
-
Sector Holdings
as of 15 Jun 2026
| Sectors | Allocation | Weightage | Value (in Cr.) |
|---|---|---|---|
| Other | 80.30% | ||
| Financial Services | 5.90% | ||
| Consumer Cyclical | 3.54% | ||
| Industrials | 3.35% | ||
| Basic Materials | 2.67% | ||
| Technology | 1.43% | ||
| Real Estate | 0.73% | ||
| Healthcare | 0.70% | ||
| Energy | 0.60% | ||
| Utilities | 0.54% | ||
| Consumer Defensive | 0.24% |
Stock Holdings
as of 15 Jun 2026
| Name | Allocation | Weightage |
|---|---|---|
![]() G GOI LOAN 6.90% 2065 | 15.70% | |
![]() T Treps | 7.28% | |
![]() B Bharat Sanchar Nigam Limited | 6.92% | |
![]() N NBRD 7.44% 2029 SR 26F | 6.91% | |
![]() G GOI LOAN 7.43% 2076 | 6.70% | |
![]() G GOI LOAN 7.09% 2074 | 6.40% | |
![]() S SDIL-7.58%-30102031-NCD | 5.19% | |
![]() T Torrent Power Limited | 3.55% | |
![]() R Rural Electrification Corporation Limited | 3.49% | |
![]() C CIFCL MARKET LKD 2029 | 3.45% | |
![]() G Godrej Properties Limited | 3.45% | |
![]() C Cash Offsets For Shorts & Derivatives | 3.45% | |
![]() I Icici Securities Primary Dealership Ltd. 04-06-2029 | 3.45% | |
![]() M MFL TBILL LKD 2029 | 3.43% | |
![]() T TPREL-7.85%-19092034-NCD | 3.41% | |
![]() U Union Bank Of India | 2.76% | |
![]() N Net Receivable / Payable | 1.66% | |
![]() H HDFC Bank | 1.50% | |
![]() I ICICI Bank | 1.21% | |
![]() L Larsen & Toubro | 0.88% | |
![]() S State Bank of India | 0.79% | |
![]() M Maruti Suzuki | 0.74% | |
![]() A Axis Bank | 0.66% | |
![]() R Reliance Industries | 0.60% | |
![]() K Kotak Bank | 0.57% | |
![]() U UltraTech Cement | 0.56% | |
![]() I Infosys | 0.54% | |
![]() H Hindalco Industries | 0.49% | |
![]() B Bajaj Finance | 0.46% | |
![]() U Urban Company | 0.45% | |
![]() T Timken | 0.40% | |
![]() J JSW Cement | 0.40% | |
![]() Z ZF Commercial | 0.37% | |
![]() A Asian Paints | 0.37% | |
![]() S Schaeffler India | 0.36% | |
![]() T TVS Motors | 0.36% | |
![]() G Grindwell Norton | 0.33% | |
![]() T Thermax | 0.33% | |
![]() P Pidilite Industries | 0.32% | |
![]() I Indian Hotels Company | 0.31% | |
![]() H Honeywell Automation | 0.31% | |
![]() N Navin Fluorine International | 0.30% | |
![]() B Bajaj Finserv | 0.29% | |
![]() A ACME Solar Holdings | 0.28% | |
![]() S Sona BLW Precision Forgings | 0.28% | |
![]() D Divis Laboratories | 0.26% | |
![]() O Oberoi Realty | 0.26% | |
![]() T Torrent Power | 0.25% | |
![]() B Balrampur Chini Mills | 0.24% | |
![]() P Page Industries | 0.24% | |
![]() I Interglobe Aviation | 0.24% | |
![]() D DLF | 0.24% | |
![]() V Voltas | 0.24% | |
![]() J Jubilant FoodWorks | 0.24% | |
![]() B Berger Paints | 0.23% | |
![]() B Biocon | 0.22% | |
![]() A ABB | 0.22% | |
![]() G Godrej Properties | 0.22% | |
![]() L L&T Technology Services | 0.22% | |
![]() H HDB Financial Services | 0.22% | |
![]() N Nykaa | 0.22% | |
![]() L LTM | 0.21% | |
![]() L Lenskart Solutions | 0.21% | |
![]() I ICICI Prudential Life Insurance | 0.20% | |
![]() K Kajaria Ceramics | 0.19% | |
![]() B Brigade Hotel Ventures | 0.19% | |
![]() P Pitti Engineering | 0.18% | |
![]() C Carborundum Universal | 0.15% | |
![]() E ESAB India | 0.12% | |
![]() T TVS Motors 6% PREF 01-09-2026 | 0.01% | |
![]() E Endurance Technologies | 0.00% |
Fund Comparison
Fund Details
52W High NAV
₹ 15.1925
Min. SIP Amount
₹ 500.00
Min. Lumpsum Amount
₹ 5,000.00
AUM (in Cr.)
₹ 135.20
Expense Ratio
0.98%
Lock-in Period
5.0 Years
52W Low NAV
₹ 14.1538
Inception Date
17 Feb 2021
Fund Age
5 Yrs
Benchmark
CRISIL Hybrid 85+15 - Conservative Index
Scheme Type
Open Ended
Stamp Duty
0.005% (from July 1st 2020)
Exit Load
- No charges for withdrawal
Tax Implication
- If you redeem within 1 year, STCG are taxed at 20%; If you redeem after 1 year, and returns exceed ₹1.25 Lakhs in a financial year, LTCG are taxed at 12.5%
Fund Managers
| Name | Qualification |
|---|---|
| Ardhendu Bhattacharya | PGDM-Goa Institute of Management |
| Rohit Shimpi | B. Com, PGDBM, CFA Charterholder |
Fund Objective
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.
Risk-O-Meter
Investors understand that their principal will be at
Moderately High Risk
Risk Scale
Low
Moderately Low
Moderate
Moderately High
High
Very High
AMC Information
SBI Mutual Fund
No. of Schemes
79
Total AUM
₹ 8,96,200.48 Cr
Contact Details
9th Floor,Crescenzo, C-39&39,G Block, Bandra kurla complex,Bandra (east), Mumbai-400 051.
Contact Details
9th Floor,Crescenzo, C-39&39,G Block, Bandra kurla complex,Bandra (east), Mumbai-400 051.
FAQs
When was SBI Retirement Benefit Fund Conservative launched?
What is the current NAV of SBI Retirement Benefit Fund Conservative?
What is the AUM of SBI Retirement Benefit Fund Conservative?
What is the rate of return of SBI Retirement Benefit Fund Conservative?
- In the past 1Y: 3.21%
- In the past 3Y: 6.91%
- In the past 5Y: 7.04%
What is the expense ratio of SBI Retirement Benefit Fund Conservative?
What is exit load of SBI Retirement Benefit Fund Conservative?
What is the portfolio of SBI Retirement Benefit Fund Conservative?
- HDFC Bank: 1.50%
- ICICI Bank: 1.21%
- Larsen & Toubro: 0.88%
- State Bank of India: 0.79%
- Maruti Suzuki: 0.74%
Top 3 sectoral holdings include:
- Others: 87.19%
- Financial Services: 5.90%
- Consumer Cyclical: 3.54%
How risky is investing in SBI Retirement Benefit Fund Conservative?
Who is the fund manager SBI Retirement Benefit Fund Conservative?
What is the minimum investment required in SBI Retirement Benefit Fund Conservative?
How to invest in SBI Retirement Benefit Fund Conservative directly?
- Open Demat Account on Dhan if you don't have one.
- Analyze the fund performance.
- Invest via SIP or Lumpsum.

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