SBI Retirement Benefit Fund Conservative Plan Direct Growth

Hybrid
Conservative Hybrid
Moderately High Risk
5Y Lock In
8.74%
3Y annualised
+0.30% 1D
1M
6M
1Y
3Y
All
NAV: 22 Nov 2024₹13.94
Min. SIP amount₹500
Rating3
Fund size₹180.04Cr

Return calculator

Monthly SIP
One-Time
₹5,000 per month
Over the past
Total investment of 0
Would have become (%)

Returns and rankings

Category: Hybrid Conservative Hybrid
Annualised returns
Absolute returns
6M1Y3YAll
Fund returnsNA11.6%8.7%9.2%
Category averageNA12.7%8.2%NA
Rank with in categoryNA2216NA
Understand terms

Peer Comparison

Hybrid, Conservative Hybrid fundsRating1Y3YFund Size(Cr)
5
15.1%11.3%2,250.10
5
16.2%10.8%2,885.62
4
14.3%10.5%3,342.03
4
13.4%9.7%10,030.40
4
13.5%8.7%978.94

Holdings (57)

NameSectorInstrumentAssets
SovereignGOI Sec20.40%
GOI
SovereignGOI Sec14.36%
GOI
SovereignGOI Sec7.05%
GOI
SovereignGOI Sec5.90%
CommunicationDebenture5.71%
Torrent Power Ltd.
EnergyDebenture2.92%
FinancialDebenture2.89%
Sundaram Finance Ltd.
FinancialDebenture2.88%
Maharashtra State
OthersSDL2.86%
FinancialDebenture2.85%
Tata Power Renewable Energy Ltd.
Capital GoodsDebenture2.83%
Union Bank of India
FinancialAdditional Tier 1 Bo2.83%
ConstructionNCD2.82%
FinancialEquity1.64%
GOI
SovereignGOI FRB1.45%
FinancialEquity1.20%
EnergyEquity1.14%
TechnologyEquity1.00%
ConstructionEquity0.75%
TechnologyEquity0.67%
AutomobileEquity0.65%
FinancialEquity0.63%
FinancialEquity0.57%
ConstructionEquity0.54%
ConstructionEquity0.48%
Capital GoodsEquity0.45%
HealthcareEquity0.45%
Metals & MiningEquity0.44%
FinancialEquity0.44%
AutomobileEquity0.44%
EnergyEquity0.40%
HealthcareEquity0.39%
TechnologyEquity0.38%
InsuranceEquity0.37%
Capital GoodsEquity0.37%
Metals & MiningEquity0.36%
ServicesEquity0.36%
AutomobileEquity0.33%
AutomobileEquity0.33%
Consumer StaplesEquity0.28%
TextilesEquity0.27%
TechnologyEquity0.26%
Capital GoodsEquity0.25%
Capital GoodsEquity0.24%
Capital GoodsEquity0.24%
Metals & MiningEquity0.23%
Metals & MiningEquity0.23%
ServicesEquity0.23%
FinancialEquity0.22%
ServicesEquity0.21%
FinancialEquity0.21%
Capital GoodsEquity0.20%
ServicesEquity0.19%
InsuranceEquity0.19%
Consumer DiscretionaryEquity0.18%
Consumer DiscretionaryEquity0.12%
ConstructionEquity0.12%
See All

Pros and cons

Category: Hybrid Conservative Hybrid

Pros

Exit load is zero
Lower expense ratio: 0.92%
Average credit rating of the fund's holdings: AAA This fund has holdings of the highest quality
3Y annualised returns higher than category average by 0.51%
Higher alpha: 1.5 The fund has generated returns higher than benchmark - CRISIL Hybrid 85+15 Conservative Index - in the last 3Y

Cons

1Y annualised returns lower than category average by 1.1%
Lock-in period: 5Y

Expense ratio, exit load and tax

Expense ratio: 0.92%

Inclusive of GST

Exit load

Nil

Stamp duty

0.005% (from July 1st, 2020)

Tax implication

Returns are taxed as per your Income Tax slab.

Understand terms
Check past data

Minimum investment amounts

Min. for 1st investment₹5,000
Min. for 2nd investment onwards₹1,000
Min. for SIP₹500

Fund management

Rohit Shimpi
Oct 2021 - Present
View details

Pradeep Kesavan
Dec 2023 - Present
View details

Education
Mr. Kesavan has done B.Com, MBA (Finance) and CFA
Experience
Prior to joining SBI MF, he has worked with Elara Capital, Accenture Strategy, Morgan Stanley and 3i Infotech
Also manages these schemes

Fund house & investment objective

Fund house contact details

Address
9th Floor-Crescenzo, C-38 & 39-G Block, Bandra-Kurla Complex,Bandra (East) Mumbai 400051
Phone
022-61793000 / 1800-425-5425
Launch Date
29 Jun 1987
E-mail
NA
SBI Mutual Fund
Asset Management Company
Custodian
SBI SG Global Securities Services Pvt.Ltd.
Registrar & Transfer Agent
Cams
Address
7th Floor, Tower II, Rayala Towers, 158, Anna Salai,

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