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SBI Retirement Benefit Fund Conservative Plan Direct Growth
ELSS • 5Y Lock-in
Hybrid
Conservative Hybrid
Moderately High Risk
+8.58%
3Y annualised
-0.17% 1D
NAV: 16 Jan '26
₹14.68
Min. SIP amount
₹500
Fund size
₹174.34 Cr
Expense ratio
0.92%
Return calculator
Monthly SIP
One time
Monthly investment
₹5,000
| Over the past | Total investment | Would've become | Historic returns | Returns |
|---|---|---|---|---|
| 1 year | ₹60,000 | ₹60,796 | +1.33% | |
| 3 years | ₹1,80,000 | ₹1,98,120 | +10.07% |
Holdings (65)
| Name | Sector | Instruments | Assets |
|---|---|---|---|
| GOI | Sovereign | GOI Sec | 16.82% |
| GOI | Sovereign | GOI Sec | 16.24% |
| GOI | Sovereign | GOI Sec | 8.53% |
| Bharat Sanchar Nigam Ltd | Communication | Debenture | 5.89% |
| Summit Digitel Infrastructure Pvt. Ltd. | Communication | Debenture | 4.36% |
| GOI | Sovereign | GOI Sec | 4.22% |
| Torrent Power Ltd. | Energy | Debenture | 2.99% |
| REC Ltd. | Financial | Debenture | 2.94% |
| Sundaram Finance Ltd. | Financial | Debenture | 2.93% |
| Tata Power Renewable Energy Ltd. | Capital Goods | Debenture | 2.93% |
| Godrej Properties Ltd. | Construction | NCD | 2.87% |
| Union Bank of India | Financial | Add. Tier 1 Bond | 2.31% |
| HDFC Bank Ltd. | Financial | Equity | 1.64% |
| Reliance Industries Ltd. | Energy | Equity | 1.25% |
| ICICI Bank Ltd. | Financial | Equity | 1.11% |
| Larsen & Toubro Ltd. | Construction | Equity | 0.81% |
| Infosys Ltd. | Technology | Equity | 0.80% |
| Maruti Suzuki India Ltd. | Automobile | Equity | 0.80% |
| State Bank of India | Financial | Equity | 0.72% |
| Ultratech Cement Ltd. | Construction | Equity | 0.57% |
| Urban Company Ltd. | Consumer Staples | Equity | 0.52% |
| Kotak Mahindra Bank Ltd. | Financial | Equity | 0.52% |
| Axis Bank Ltd. | Financial | Equity | 0.51% |
| Bajaj Finance Ltd. | Financial | Equity | 0.40% |
| TVS Motor Company Ltd. | Automobile | Equity | 0.36% |
| Hindalco Industries Ltd. | Metals & Mining | Equity | 0.36% |
| Timken India Ltd. | Capital Goods | Equity | 0.35% |
| ZF Commercial Vehicle Control Systems India Ltd. | Automobile | Equity | 0.35% |
| L&T Technology Services Ltd. | Technology | Equity | 0.35% |
| Abbott India Ltd. | Healthcare | Equity | 0.34% |
| Schaeffler India Ltd. | Capital Goods | Equity | 0.33% |
| Bajaj Finserv Ltd. | Financial | Equity | 0.33% |
| Jubilant FoodWorks Ltd. | Services | Equity | 0.31% |
| Asian Paints Ltd. | Chemicals | Equity | 0.31% |
| The Indian Hotels Company Ltd. | Services | Equity | 0.28% |
| LTIMindtree Ltd. | Technology | Equity | 0.28% |
| Divi's Laboratories Ltd. | Healthcare | Equity | 0.27% |
| Pidilite Industries Ltd. | Chemicals | Equity | 0.26% |
| Navin Fluorine International Ltd. | Chemicals | Equity | 0.25% |
| Berger Paints India Ltd. | Chemicals | Equity | 0.25% |
| Voltas Ltd. | Consumer Discretionary | Equity | 0.24% |
| Honeywell Automation India Ltd. | Capital Goods | Equity | 0.24% |
| Torrent Power Ltd. | Energy | Equity | 0.23% |
| DLF Ltd. | Construction | Equity | 0.22% |
| Endurance Technologies Ltd. | Automobile | Equity | 0.22% |
| FSN E-Commerce Ventures Ltd. | Services | Equity | 0.22% |
| Oberoi Realty Ltd. | Construction | Equity | 0.22% |
| Kajaria Ceramics Ltd. | Construction | Equity | 0.21% |
| Grindwell Norton Ltd. | Metals & Mining | Equity | 0.21% |
| Godrej Properties Ltd. | Construction | Equity | 0.21% |
| Thermax Ltd. | Capital Goods | Equity | 0.21% |
| Balrampur Chini Mills Ltd. | Consumer Staples | Equity | 0.20% |
| HDB Financial Services Ltd. | Financial | Equity | 0.20% |
| Dr. Lal Pathlabs Ltd. | Healthcare | Equity | 0.19% |
| AIA Engineering Ltd. | Metals & Mining | Equity | 0.19% |
| Page Industries Ltd. | Textiles | Equity | 0.19% |
| Sona BLW Precision Forgings Ltd. | Automobile | Equity | 0.19% |
| Esab India Ltd. | Capital Goods | Equity | 0.17% |
| ABB India Ltd. | Capital Goods | Equity | 0.17% |
| Brigade Hotel Ventures Ltd. | Services | Equity | 0.16% |
| Pitti Engineering Ltd. | Capital Goods | Equity | 0.13% |
| Hawkins Cookers Ltd. | Consumer Discretionary | Equity | 0.12% |
| Carborundum Universal Ltd. | Metals & Mining | Equity | 0.10% |
| Nuvoco Vistas Corporation Ltd. | Construction | Equity | 0.08% |
| TVS Motor Company Ltd - Pref. Shares | Automobile | Pref. Shares | 0.00% |
See All
Minimum investments
Min. for 1st investment
₹5,000
Min. for 2nd investment
₹1,000
Min. for SIP
₹500
Returns and rankings
Annualised returns
Absolute returns
| Name | 6M | 1Y | 3Y | All |
|---|---|---|---|---|
| Fund returns | -0.2% | +5.2% | +8.6% | +8.1% |
| Category average (Hybrid Conservative Hybrid) | +1.4% | +5.5% | +9.1% | -- |
| Rank (Hybrid Conservative Hybrid) | -- | 22 | 25 | -- |
Exit load, stamp duty and tax
Exit load
Nil
Stamp duty on investment: 0.005% (from July 1st, 2020)
from July 1st 2020
Tax implication
Returns are taxed as per your Income Tax slab.
Check past data
Compare similar funds
| Name | 1Y | 3Y | Fund Size(Cr) | |
|---|---|---|---|---|
Parag Parikh Conservative Hybrid Fund Direct Growth | +7.52% | +11.32% | 3,212.39 | |
ICICI Prudential Regular Savings Fund Direct Growth | +8.58% | +10.87% | 3,358.65 | |
DSP Regular Savings Fund Direct Growth | +8.02% | +10.52% | 183.97 | |
HDFC Hybrid Debt Fund Direct Growth | +6.08% | +10.21% | 3,354.01 | |
Nippon India Conservative Hybrid Fund Direct Growth | +10.44% | +10.03% | 932.60 | |
| Compare | ||||
Fund management
ABArdhendu BhattacharyaJun 2021 - PresentView details
AB
Ardhendu Bhattacharya
Jun 2021 - Present
View details
RSRohit ShimpiOct 2021 - PresentView details
RS
Rohit Shimpi
Oct 2021 - Present
View details
PKPradeep KesavanDec 2023 - PresentView details
PK
Pradeep Kesavan
Dec 2023 - Present
View details
About SBI Retirement Benefit Fund Conservative Plan Direct Growth
SBI Retirement Benefit Fund Conservative Plan Direct Growth is a Hybrid Mutual Fund Scheme launched by SBI Mutual Fund. This scheme was made available to investors on 29 Jun 1987. Ardhendu Bhattacharya is the Current Fund Manager of SBI Retirement Benefit Fund Conservative Plan Direct Growth fund. The fund currently has an Asset Under Management(AUM) of ₹12,56,070 Cr and the Latest NAV as of 16 Jan 2026 is ₹14.68.
The SBI Retirement Benefit Fund Conservative Plan Direct Growth is rated Moderately High risk. Minimum SIP Investment is set to ₹500. Minimum Lumpsum Investment is ₹5,000.
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Investment Objective
The scheme seeks to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes.
Fund benchmarkCRISIL Hybrid 85+15 Conservative Index
Fund house
Rank (total assets)#1 in India
Total AUM₹12,56,070.06 Cr
Date of Incorporation29 Jun 1987
Launch Date29 Jun 1987
Address9th Floor & Unit no. 1002, 1003 and 1004 of 10th floor,Crescenzo, C-38 & 39, G Block, Bandra Kurla Complex,Bandra (East) Mumbai 400051
CustodianSBI SG Global Securities Services Pvt.Ltd.
Registrar & Transfer AgentCams
Email[email protected]
Websitewww.camsonline.com
Address7th Floor, Tower II, Rayala Towers, 158, Anna Salai,