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sbi retirement benefit fund - conservative plan direct growth
SBI Retirement Benefit Fund - Conservative Plan Direct Growth

SBI Retirement Benefit Fund - Conservative Plan Direct Growth

  • Moderately High risk
  • Allocation
  • Retirement
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NAV as on Nov 26, 2025
i
Price per unit of the scheme.
₹ 14.77590.25%1 Day Change
0.29%
Minimum Investment₹5000
Expense Ratio0.89%

FUND RATING

A holistic measure of the rank of a fund relative to its peers. Top funds receive a score of 5.
*Morningstar Rating Methodologyi
i

RISK-O-METER

Level of risk associated with a mutual fund to help investors make informed investment decisions
 

bt_logoFUND PERFORMANCE

As On Jan 01, 2023
Compare fund’s performance against category average across different time periods


No Data Found.
Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
For calculating Category Return & Scheme Ranking, only Growth & Direct schemes are considered.

bt_logoFUND COMPARISON

1M3M6M1Y3Y5Y
This Fund
SBI Retirement Benefit Fund - Conservative Plan Direct Growth
VS
Allocation: Retirement Average NAV
    Topper in Allocation: Retirement
    All Fund


    No Data Found.
    *For the other fund, rescaled NAVs are used
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    bt_logoRETURN CALCULATOR

    Check the return on your investment in the fund
    SBI Retirement Benefit Fund - Conservative Plan Direct Growth
    Investment Type
    Monthly Investment
    Time Period (yrs)
    Annual Return in %
    • Invested Amount
      ₹0
    • Return
      ₹0
    • Current Value
      ₹0

    bt_logoFUND SUMMARY

    Benchmark
    Nifty Composite Debt Index TR INR
    Expense Ratio
    0.89%
    Category Avg Expense Ratio
    0.89%
    Minimum Investment (Lumpsum/SIP)
    ₹ 5000 /₹ 1000
    Lock In (Years)
    5
    Fund Size
    ₹ 175.20 Cr(As on Oct, 2025)
    Inception Date
    Feb 17, 2021
    Turnover
    - %
    Exit Load
    NIL

    bt_logoABOUT THE 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.

    SBI Retirement Benefit Fund - Conservative Plan Direct Growth is an Allocation - Retirement fund. The fund was launched inFeb 17, 2021. Its risk level is . The NAV of the fund as onNov 26, 2025 is ₹14.78. Its expense ratio is 0.89 %. The fund has an AUM of ₹175.20 Cr.The fund is managed byDinesh Ahuja,Rohit Shimpi,Mohit Jain,Ardhendu Bhattacharya,Pradeep Kesavan,Rajeev Radhakrishnan.
    The minimum initial investment is  ₹5000 in Lumpsum mode.

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    bt_logoFUND MANAGER

    Dinesh Ahuja
    Dinesh Ahuja
    i
    Lead Fund Manager.
    Feb 17, 2021 - Present
    • Fund Manager Rank--Out of 0
      i
      Rank measured on the basis of consistent alpha the fund manager delivered in the same category over a period of three years (factors only Direct plan, Growth option)
    • Schemes managed16
    • Total AUM₹ 1,71,769.86 Cr
    • Highest Return In 1 Yr15.41 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    SBI Magnum Children's Benefit Fund- Investment Plan Direct Growth
    --
    ₹ 49.27
    2.21%
    -%
    Very High Risk
    ₹4,735.04Cr
    SBI Retirement Benefit Fund - Conservative Plan Direct Growth
    --
    ₹ 14.78
    0.29%
    -%
    Moderately High risk
    ₹175.20Cr
    SBI Balanced Advantage Fund Direct Growth
    --
    ₹ 16.69
    1.84%
    0.92%
    Very High Risk
    ₹38,628.37Cr
    SBI Magnum Children's Benefit Fund- Investment Plan Direct Growth
    Very High Risk--
    • NAV₹ 49.27
    • Fund Size₹4,735.04Cr
    Fund Return2.21%
    Category Return--
    SBI Retirement Benefit Fund - Conservative Plan Direct Growth
    Moderately High risk--
    • NAV₹ 14.78
    • Fund Size₹175.20Cr
    Fund Return0.29%
    Category Return--
    SBI Balanced Advantage Fund Direct Growth
    Very High Risk--
    • NAV₹ 16.69
    • Fund Size₹38,628.37Cr
    Fund Return1.84%
    Category Return0.92%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Rohit Shimpi
    Rohit Shimpi
    i
    Lead Fund Manager.
    Oct 31, 2021 - Present
    • Schemes managed8
    • Total AUM₹ 27,070.00 Cr
    • Highest Return In 1 Yr22.00 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    SBI Retirement Benefit Fund - Conservative Plan Direct Growth
    --
    ₹ 14.78
    0.29%
    -%
    Moderately High risk
    ₹175.20Cr
    SBI Retirement Benefit Fund - Aggressive Plan Direct Growth
    --
    ₹ 21.85
    0.84%
    -%
    Very High Risk
    ₹3,124.46Cr
    SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth
    --
    ₹ 16.21
    0.46%
    -%
    High Risk
    ₹287.83Cr
    SBI Retirement Benefit Fund - Conservative Plan Direct Growth
    Moderately High risk--
    • NAV₹ 14.78
    • Fund Size₹175.20Cr
    Fund Return0.29%
    Category Return--
    SBI Retirement Benefit Fund - Aggressive Plan Direct Growth
    Very High Risk--
    • NAV₹ 21.85
    • Fund Size₹3,124.46Cr
    Fund Return0.84%
    Category Return--
    SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth
    High Risk--
    • NAV₹ 16.21
    • Fund Size₹287.83Cr
    Fund Return0.46%
    Category Return--
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Mohit Jain
    Mohit Jain
    i
    Lead Fund Manager.
    Oct 31, 2021 - Present
    • Schemes managed43
    • Total AUM₹ 6,41,318.87 Cr
    • Highest Return In 1 Yr22.00 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    SBI Magnum Children's Benefit Fund- Investment Plan Direct Growth
    --
    ₹ 49.27
    2.21%
    -%
    Very High Risk
    ₹4,735.04Cr
    SBI Multicap Fund Direct Growth
    --
    ₹ 17.87
    -0.76%
    -0.29%
    Very High Risk
    ₹23,986.25Cr
    SBI Balanced Advantage Fund Direct Growth
    --
    ₹ 16.69
    1.84%
    0.92%
    Very High Risk
    ₹38,628.37Cr
    SBI Magnum Children's Benefit Fund- Investment Plan Direct Growth
    Very High Risk--
    • NAV₹ 49.27
    • Fund Size₹4,735.04Cr
    Fund Return2.21%
    Category Return--
    SBI Multicap Fund Direct Growth
    Very High Risk--
    • NAV₹ 17.87
    • Fund Size₹23,986.25Cr
    Fund Return-0.76%
    Category Return-0.29%
    SBI Balanced Advantage Fund Direct Growth
    Very High Risk--
    • NAV₹ 16.69
    • Fund Size₹38,628.37Cr
    Fund Return1.84%
    Category Return0.92%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Ardhendu Bhattacharya
    Ardhendu Bhattacharya
    i
    Lead Fund Manager.
    Jul 1, 2021 - Present
    • Schemes managed10
    • Total AUM₹ 91,969.77 Cr
    • Highest Return In 1 Yr8.84 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    SBI Retirement Benefit Fund - Conservative Plan Direct Growth
    --
    ₹ 14.78
    0.29%
    -%
    Moderately High risk
    ₹175.20Cr
    SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth
    --
    ₹ 16.21
    0.46%
    -%
    High Risk
    ₹287.83Cr
    SBI Retirement Benefit Fund - Aggressive Plan Direct Growth
    --
    ₹ 21.85
    0.84%
    -%
    Very High Risk
    ₹3,124.46Cr
    SBI Retirement Benefit Fund - Conservative Plan Direct Growth
    Moderately High risk--
    • NAV₹ 14.78
    • Fund Size₹175.20Cr
    Fund Return0.29%
    Category Return--
    SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth
    High Risk--
    • NAV₹ 16.21
    • Fund Size₹287.83Cr
    Fund Return0.46%
    Category Return--
    SBI Retirement Benefit Fund - Aggressive Plan Direct Growth
    Very High Risk--
    • NAV₹ 21.85
    • Fund Size₹3,124.46Cr
    Fund Return0.84%
    Category Return--
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Pradeep Kesavan
    Pradeep Kesavan
    i
    Lead Fund Manager.
    Dec 1, 2023 - Present
    • Schemes managed46
    • Total AUM₹ 6,62,952.56 Cr
    • Highest Return In 1 Yr22.00 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    SBI Credit Risk Fund Direct Plan Growth
    ₹ 50.88
    0.80%
    0.64%
    Moderately High risk
    ₹2,190.00Cr
    SBI Savings Fund Direct Plan Growth
    ₹ 45.69
    0.57%
    0.46%
    Moderate Risk
    ₹37,973.57Cr
    SBI Short Term Debt Fund Direct Growth
    ₹ 35.18
    0.70%
    0.55%
    Moderate Risk
    ₹17,441.94Cr
    SBI Credit Risk Fund Direct Plan Growth
    Moderately High risk
    • NAV₹ 50.88
    • Fund Size₹2,190.00Cr
    Fund Return0.80%
    Category Return0.64%
    SBI Savings Fund Direct Plan Growth
    Moderate Risk
    • NAV₹ 45.69
    • Fund Size₹37,973.57Cr
    Fund Return0.57%
    Category Return0.46%
    SBI Short Term Debt Fund Direct Growth
    Moderate Risk
    • NAV₹ 35.18
    • Fund Size₹17,441.94Cr
    Fund Return0.70%
    Category Return0.55%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)
    Rajeev Radhakrishnan
    Rajeev Radhakrishnan
    i
    Lead Fund Manager.
    Nov 1, 2023 - Present
    • Schemes managed22
    • Total AUM₹ 3,47,745.05 Cr
    • Highest Return In 1 Yr15.41 %
    Other Funds
    • table
    • card
    1M
    3M
    6M
    1Y
    3Y
    5Y
    Fund NameMorningstar RatingNAVFund ReturnCategory ReturnRiskFund Size
    SBI Corporate Bond Fund Direct Growth
    ₹ 16.46
    0.73%
    0.60%
    Moderate Risk
    ₹24,935.90Cr
    SBI Banking and PSU Fund Direct Plan Growth
    ₹ 3,407.29
    0.60%
    0.49%
    Low to Moderate Risk
    ₹4,227.55Cr
    SBI Magnum Low Duration Fund Direct Plan Growth
    ₹ 3,735.32
    0.60%
    0.50%
    Moderate Risk
    ₹16,746.15Cr
    SBI Corporate Bond Fund Direct Growth
    Moderate Risk
    • NAV₹ 16.46
    • Fund Size₹24,935.90Cr
    Fund Return0.73%
    Category Return0.60%
    SBI Banking and PSU Fund Direct Plan Growth
    Low to Moderate Risk
    • NAV₹ 3,407.29
    • Fund Size₹4,227.55Cr
    Fund Return0.60%
    Category Return0.49%
    SBI Magnum Low Duration Fund Direct Plan Growth
    Moderate Risk
    • NAV₹ 3,735.32
    • Fund Size₹16,746.15Cr
    Fund Return0.60%
    Category Return0.50%
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoDETAILED PORTFOLIO

    As on Nov, 2025
    EQUITY (19.48%)
    DEBT (73.23%)
    CASH (7.28%)
    Allocation by Market Cap
    Large Cap(11.72%)
    Mid Cap(4.00%)
    Small Cap(2.82%)
    Industry Holdings
    • -%
    Stock Holdings
    • HDFC Bank Ltd1.74%
    • Reliance Industries Ltd1.26%
    • ICICI Bank Ltd1.24%
    • Maruti Suzuki India Ltd0.89%
    • Infosys Ltd0.82%
    • Larsen & Toubro Ltd0.80%

    bt_logoPERFORMANCE MEASURES

    Fund evaluation across critical parameters for better decision making. Study period is 3 years.
    • Consistency
      i
      It represents the consistency of a fund in beating its benchmark.
      ----
    • Downside Risk
      i
      Measured by Maximum Drawdown which shows the maximum loss from a peak to a nadir over a specified time period
    • Risk Adjusted Return
      i
      Risk adjusted return represents the return generated after factoring the risk taken to achieve it.
    • Volatility
      i
      Volatility represents the standard deviation of fund returns that is, how much the fund returns have deviated from the average.
    • Upside Capture Ratio
      i
      Fund performance relative to the index when the market is up. An upside capture ratio of >100 indicates better fund performance.
      ----
    • Downside Capture Ratio
      i
      Fund performance relative to the index when the market is down. A downside capture ratio of <100 indicates better fund performance.
      ----

    bt_logoHISTORICAL RISK MEASURES

    Statistical measures to evaluate mutual fund risk. All ratios are calculated for a three-year time duration.
    • Alpha: Excess return of the fund over benchmark
      i
      Any Alpha above zero is considered good. However, for comparison, a fund with a higher Alpha is considered better. Alpha is normally used in conjunction with Beta. If the Beta is high, it implies that the fund manager took a high risk to generate Alpha.
      --
      This Fund
      VS
      --
      Category Avg
    • R-Squared: How well the fund tracks benchmark
      i
      R-Squared measures the correlation of fund returns and its benchmark returns. It varies between 0 and 1. The metric, Beta makes no sense if R-Squared is equal to zero. Thus, both Beta and R-Squared should be used in conjunction. A fund with a high R-Squared and low Beta is considered a less risky fund.
      --
      This Fund
      VS
      --
      Category Avg
    • Beta: Risk of the fund in relation to benchmark
      i
      Beta >1 indicates that the fund is more volatile than its benchmark while Beta < 1 indicates that the fund is less volatile than its benchmark. The Beta of the benchmark is equal to 1.
      --
      This Fund
      VS
      --
      Category Avg
    • Sharpe Ratio: Risk adjusted return of the fund
      i
      Sharpe Ratio is a measure of return per unit of risk. A higher Sharpe ratio indicates better risk adjusted return given by the fund.
      0.66
      This Fund
      VS
      --
      Category Avg
    • Sortino Ratio: Return per unit of bad risk
      i
      A variation of Sharpe ratio, Sortino considers only the downside risk. Unlike Sharpe ratio which considers both good risk and bad risk, Sortino factors only the bad risk. A high Sortino ratio indicates better return for each unit of downside risk.
      1.05
      This Fund
      VS
      --
      Category Avg
    • Standard Devation: Volatility of the fund
      i
      Standard deviation is a measure of dispersion of fund returns from its average return. A fund with a higher Standard deviation is more volatile than a fund with a low standard deviation.
      3.43
      This Fund
      VS
      --
      Category Avg
    Benchmark used in calculation : S&P BSE 500 India TR INR

    bt_logoPEER ANALYSIS

    1M
    3M
    6M
    1Y
    3Y
    5Y
    • card
    • table
    Fund NameMorningstar RatingNAV Fund Return Category ReturnRisk Fund Size
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoTOP FUNDS FROM THIS AMC

    1M
    3M
    6M
    1Y
    3Y
    5Y
    • card
    • table
    Fund NameMorningstar RatingNAV Fund Return Category Return Risk Fund Size (Cr)
    Returns <= 1 year are absolute and > 1 year are annualised (CAGR)

    bt_logoABOUT THE AMC

    company icon
    SBI Funds Management Ltd
    SBI Funds Management Ltd manages assets worth ₹ 8,97,897.44 crores. It’s current offering of mutual fund schemes includes 47 equity, 70 debt and 16 hybrid schemes.
    phone icon
    Phone
    022 - 61793000
    mail icon
    Email
    aum
    AUM
    ₹ 8,97,897.44 Cr (
    As on Oct 31, 2025
    )
    location
    Address
    C-38 & 39, G Block, Bandra Kurla Complex, Mumbai,400 051

    bt_logoFAQ's

    What is the category of SBI Retirement Benefit Fund - Conservative Plan Direct Growth ?
    The category of SBI Retirement Benefit Fund - Conservative Plan Direct Growth is Allocation - Retirement
    What is the current NAV of SBI Retirement Benefit Fund - Conservative Plan Direct Growth ?
    The current NAV of SBI Retirement Benefit Fund - Conservative Plan Direct Growth as on Nov 26, 2025 is ₹14.78
    How safe is SBI Retirement Benefit Fund - Conservative Plan Direct Growth ?
    The risk level of SBI Retirement Benefit Fund - Conservative Plan Direct Growth is Moderately High.
    What are short term returns given by SBI Retirement Benefit Fund - Conservative Plan Direct Growth ?
    The return given by SBI Retirement Benefit Fund - Conservative Plan Direct Growth in 1 month is 0.29%, 3 months is 2.17%, 6 months is 0.43%, and 1 year is 5.59%
    What are the long term returns given by SBI Retirement Benefit Fund - Conservative Plan Direct Growth ?
    The return given by SBI Retirement Benefit Fund - Conservative Plan Direct Growth in 3 years is 8.95% and 5 years is --.
    What is the expense ratio of SBI Retirement Benefit Fund - Conservative Plan Direct Growth ?
    The expense ratio of SBI Retirement Benefit Fund - Conservative Plan Direct Growth is 0.89%
    What is the AUM of SBI Retirement Benefit Fund - Conservative Plan Direct Growth ?
    The assets under Management (AUM) of SBI Retirement Benefit Fund - Conservative Plan Direct Growth is Rs 175.20 crores.
    What is the minimum investment in SBI Retirement Benefit Fund - Conservative Plan Direct Growth ?
    The minimum Lumpsum investment in SBI Retirement Benefit Fund - Conservative Plan Direct Growth is ₹5,000.00 and the minimum SIP investment in SBI Retirement Benefit Fund - Conservative Plan Direct Growth is ₹1,000.00
    What is the asset allocation of SBI Retirement Benefit Fund - Conservative Plan Direct Growth?
    SBI Retirement Benefit Fund - Conservative Plan Direct Growth has an exposure of 19.48% in Equity, 73.23% in Debt and 7.28% in Cash & Money Market Securities

    bt_logoCALCULATORS

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