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Fund Overview of SBI Retirement Benefit Fund - Conservative Plan Direct-idcw
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₹145.0 CrAUM
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₹14.82NAV
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0.97%Expense Ratio
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HybridFund Category
Minimum amount you can invest: ₹500
Maximum amount you can invest: ₹1,00,000
We have used a return rate of 15% for our calculations.
Returns of SBI Retirement Benefit Fund - Conservative Plan Direct-idcw
| Tenure | Absolute(%) | Annualised(%) | Category Average(%) |
|---|---|---|---|
| 3 Months | 2.36% | NA | 0.55% |
| 6 Months | 0.88% | NA | 5.55% |
| 1 Year | 1.33% | 1.33% | 5.63% |
| 2 Years | 9.38% | 4.59% | 10.55% |
| 3 Years | 22.62% | 7.03% | 10.07% |
| 5 Years | 42.84% | 7.39% | 10.06% |
Compare SBI Retirement Benefit Fund - Conservative Plan Direct-idcw with other mutual funds in the same category
SBI Retirement Benefit Fund - Conservative Plan Direct-idcw
SBI Children's Fund - Savings Plan Direct-growth
SBI Children's Fund - Savings Plan Regular-growth
Asset Allocation
equities
19.31%debt instruments
70.73%other assets or cash equivalents
9.96%SBI Retirement Benefit Fund - Conservative Plan Direct-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 ₹145.0 crore as on Sun May 31, 2026. The expense ratio stands at 0.97%. Fund Manager Manager Education Fund Manager Manager Education Fund Manager Manager EducationAbout SBI Retirement Benefit Fund - Conservative Plan Direct-idcw
The portfolio allocation consists of 19.31% in equities, 70.73% in debt instruments, 9.96% in other assets or cash equivalents.Managed by Ardhendu Bhattacharya, it has delivered a return of 1.33% in the last year, a total return since inception of 7.64%.
Those exploring investment options commonly review the best sip so they can create systematic savings habits.
Key Metrics of SBI Retirement Benefit Fund - Conservative Plan Direct-idcw
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Standard Deviation4.63%
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Sharpe Ratio0.16%
Fund Details
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Top Performing Mutual Funds
| Fund Names | AUM (Cr) | 1M | 3M | 1Yr | 3Yr | 5Yr |
|---|---|---|---|---|---|---|
SBI Children's Fund - Savings Plan Direct-growth  |
₹139 | 2.23% | 4.89% | 6.33% | 11.96% | 11.30% |
| SBI Children's Fund - Savings Plan Regular-growth |
₹139 | 2.20% | 4.79% | 5.93% | 11.56% | 10.88% |
| Bank Of India Conservative Hybrid Fund Direct-growth |
₹64 | 0.66% | 1.95% | 3.36% | 7.50% | 10.52% |
| Bank Of India Conservative Hybrid Fund Direct-idcw Monthly |
₹64 | 0.66% | 1.95% | 3.36% | 7.50% | 10.52% |
| Bank Of India Conservative Hybrid Fund Direct-idcw Quarterly |
₹64 | 0.66% | 1.95% | 3.36% | 7.50% | 10.52% |
| Bank Of India Conservative Hybrid Fund Direct-idcw Yearly |
₹64 | 0.66% | 1.95% | 3.36% | 7.50% | 10.52% |
| Bank Of India Conservative Hybrid Fund Regular-growth |
₹64 | 0.57% | 1.69% | 2.46% | 6.62% | 9.77% |
| Bank Of India Conservative Hybrid Fund Regular-idcw Monthly |
₹64 | 0.57% | 1.69% | 2.46% | 6.62% | 9.77% |
| Bank Of India Conservative Hybrid Fund Regular-idcw Quarterly |
₹64 | 0.57% | 1.69% | 2.46% | 6.62% | 9.77% |
| Bank Of India Conservative Hybrid Fund Regular-idcw Yearly |
₹64 | 0.57% | 1.69% | 2.46% | 6.62% | 9.77% |
growth is based on 1-month returns of the funds & Top fund are based on 3Y Returns
More funds from SBI Mutual Fund
| Fund Names | AUM (Cr) | 1M | 3M | 6M | 1Yr | 3Yr |
|---|---|---|---|---|---|---|
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SBI Conservative Hybrid Fund Direct-growth
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₹9,793 | 0.96% | 3.29% | 2.97% | 5.59% | 9.37% |
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SBI Conservative Hybrid Fund-growth
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₹9,793 | 0.92% | 3.18% | 2.73% | 5.09% | 8.84% |
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SBI Conservative Hybrid Fund-idcw Monthly
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₹9,793 | 0.92% | 3.18% | 2.73% | 5.09% | 8.84% |
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SBI Conservative Hybrid Fund Direct-idcw Monthly
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₹9,793 | 0.96% | 3.29% | 2.97% | 5.59% | 9.37% |
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SBI Conservative Hybrid Fund-idcw Quarterly
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₹9,793 | 0.92% | 3.18% | 2.73% | 5.09% | 8.84% |
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SBI Conservative Hybrid Fund Direct-idcw Quarterly
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₹9,793 | 0.96% | 3.29% | 2.97% | 5.59% | 9.37% |
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SBI Conservative Hybrid Fund Direct-idcw Yearly
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₹9,793 | 0.96% | 3.29% | 2.97% | 5.59% | 9.37% |
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SBI Conservative Hybrid Fund-idcw Yearly
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₹9,793 | 0.92% | 3.18% | 2.73% | 5.09% | 8.84% |
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SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-growth
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₹252 | 2.19% | 3.33% | -0.10% | 0.57% | 7.24% |
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SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct-growth
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₹252 | 2.23% | 3.46% | 0.15% | 1.07% | 7.78% |
growth is based on 1-month returns of the fundsMutual Fund Calculator
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Top Mutual Funds
| Fund Names | AUM (Cr) | NAV | 3Yr | 5Yr | 10Yr |
|---|---|---|---|---|---|
| SBI Conservative Hybrid Fund Direct-growth |
₹9,793 | ₹83.26 | 9.37% | 9.36% | 9.42% |
| SBI Conservative Hybrid Fund-growth |
₹9,793 | ₹75.88 | 8.84% | 8.81% | 8.72% |
| SBI Conservative Hybrid Fund-idcw Monthly |
₹9,793 | ₹21.46 | 8.84% | 8.81% | 8.72% |
| SBI Conservative Hybrid Fund Direct-idcw Monthly |
₹9,793 | ₹28.13 | 9.37% | 9.36% | 9.42% |
| SBI Conservative Hybrid Fund-idcw Quarterly |
₹9,793 | ₹21.88 | 8.84% | 8.81% | 8.72% |
| SBI Conservative Hybrid Fund Direct-idcw Quarterly |
₹9,793 | ₹25.44 | 9.37% | 9.36% | 9.42% |
| SBI Conservative Hybrid Fund Direct-idcw Yearly |
₹9,793 | ₹33.20 | 9.37% | 9.36% | 9.42% |
| SBI Conservative Hybrid Fund-idcw Yearly |
₹9,793 | ₹26.77 | 8.84% | 8.81% | 8.72% |
| Parag Parikh Conservative Hybrid Fund Direct-growth |
₹3,345 | ₹15.99 | 10.80% | 9.71% | - |
| Parag Parikh Conservative Hybrid Fund Regular-growth |
₹3,345 | ₹15.75 | 10.47% | 9.38% | - |
Detailed Portfolio
| Stocks | Sector | % of Holding | Value |
|---|---|---|---|
| Repo | Unspecified | 17.79% | ₹25.78 Cr |
| Government Of India 35840 Goi 15ap65 6.9 Fv Rs 100 | Entities | 15.55% | ₹22.54 Cr |
| Bharat Sanchar Nigam Limited Sr Ii Tr A 7.72 Loa 22dc32 Fvrs10lac | Technology | 6.83% | ₹9.90 Cr |
| National Bank For Agriculture And Rural Development Sr 26f 7.44 Bd 17jl29 Fvrs1lac | Financial | 6.82% | ₹9.89 Cr |
| Government Of India 36958 Goi 19jn76 7.43 Fv Rs 100 | Entities | 6.68% | ₹9.69 Cr |
| 7.09% Goi 25-nov-74 | Entities | 6.37% | ₹9.24 Cr |
| Summit Digitel Infrastructure Limited 7.58 Ncd 30ot31 Fvrs1lac | Technology | 5.11% | ₹7.40 Cr |
| Torrent Power Limited Sr 11 Tr 11b 8.5 Ncd 07ju32 Fvrs1lac | Energy & Utilities | 3.48% | ₹5.05 Cr |
| Muthoot Finance Limited Rr Ncd 26jl29 Fvrs1lac | Financial | 3.45% | ₹5.00 Cr |
| Cholamandalam Investment And Finance Company Limited Sr 665 Rr Ncd 27fb29 Fvrs1lac | Financial | 3.45% | ₹5.00 Cr |
| Godrej Properties Limited Sr A 8.15 Loa 03jl26 Fvrs1lac | Real Estate | 3.45% | ₹5.00 Cr |
| Rural Electrification Corporation Limited Sr 218 B 7.69 Bd 31jn33 Fvrs1lac | Financial | 3.43% | ₹4.98 Cr |
| Tata Power Renewable Energy Limited 7.85 Ncd 19sp34 Fvrs1lac | Industrials | 3.35% | ₹4.86 Cr |
| Union Bank Of India Sr Xxxii 8.70 Bd Perpetual Fvrs1cr | Financial | 2.76% | ₹4.00 Cr |
| Hdfc Bank Ltd | Financial | 1.44% | ₹2.08 Cr |
| Icici Bank Ltd | Financial | 1.14% | ₹1.66 Cr |
| Reliance Industries Ltd | Energy & Utilities | 1.05% | ₹1.53 Cr |
| Larsen & Toubro Ltd | Industrials | 0.86% | ₹1.25 Cr |
| State Bank Of India | Financial | 0.75% | ₹1.08 Cr |
| Maruti Suzuki India Ltd | Consumer Discretionary | 0.70% | ₹1.02 Cr |
Top Hybrid Funds
| Fund Names | NAV | 3Yr | 5Yr | 52 weeks high |
|---|---|---|---|---|
| SBI Children's Fund - Savings Plan Direct-growth |
₹126.39 | 11.96% | 11.30% | - |
| SBI Children's Fund - Savings Plan Regular-growth |
₹115.56 | 11.56% | 10.88% | - |
| Bank Of India Conservative Hybrid Fund Direct-growth |
₹37.80 | 7.50% | 10.52% | - |
| Bank Of India Conservative Hybrid Fund Direct-idcw Monthly |
₹16.84 | 7.50% | 10.52% | - |
| Bank Of India Conservative Hybrid Fund Direct-idcw Quarterly |
₹18.57 | 7.50% | 10.52% | - |
| Bank Of India Conservative Hybrid Fund Direct-idcw Yearly |
₹17.22 | 7.50% | 10.52% | - |
| Bank Of India Conservative Hybrid Fund Regular-growth |
₹35.03 | 6.62% | 9.77% | - |
| Bank Of India Conservative Hybrid Fund Regular-idcw Monthly |
₹18.04 | 6.62% | 9.77% | - |
| Bank Of India Conservative Hybrid Fund Regular-idcw Quarterly |
₹18.69 | 6.62% | 9.77% | - |
| Bank Of India Conservative Hybrid Fund Regular-idcw Yearly |
₹17.01 | 6.62% | 9.77% | - |
growth is based on 5Y returns of the funds
Frequently Asked Questions
SBI Retirement Benefit Fund - Conservative Plan Direct-idcw
What is the current AUM of SBI Retirement Benefit Fund - Conservative Plan Direct-idcw?
As of Sun May 31, 2026, SBI Retirement Benefit Fund - Conservative Plan Direct-idcw manages assets worth ₹145.0 crore
How has SBI Retirement Benefit Fund - Conservative Plan Direct-idcw performed recently?
- 3 Months: 2.36%
- 6 Months: 0.88%
What is the long-term performance of SBI Retirement Benefit Fund - Conservative Plan Direct-idcw?
- 3 Years CAGR: 7.03%
- 5 Years CAGR: 7.39%
- Since Inception: 7.64%
What is the portfolio composition of SBI Retirement Benefit Fund - Conservative Plan Direct-idcw?
Equity: 19.31%, Debt: 70.73%, Others: 9.96%.
Who manages SBI Retirement Benefit Fund - Conservative Plan Direct-idcw?
SBI Retirement Benefit Fund - Conservative Plan Direct-idcw is managed by Ardhendu Bhattacharya from SBI Mutual Fund.
What is the market-cap allocation of SBI Retirement Benefit Fund - Conservative Plan Direct-idcw?
Large Cap: 62.07%, Mid Cap: 18.19%, Small Cap: 19.74%.
Which are the top companies SBI Retirement Benefit Fund - Conservative Plan Direct-idcw has invested in?
- Repo – 17.79% of the fund's portfolio
- GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 – 15.55% of the fund's portfolio
- BHARAT SANCHAR NIGAM LIMITED SR II TR A 7.72 LOA 22DC32 FVRS10LAC – 6.83% of the fund's portfolio
- NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26F 7.44 BD 17JL29 FVRS1LAC – 6.82% of the fund's portfolio
- GOVERNMENT OF INDIA 36958 GOI 19JN76 7.43 FV RS 100 – 6.68% of the fund's portfolio
Which are the major sectors SBI Retirement Benefit Fund - Conservative Plan Direct-idcw focuses on?
- Entities – 28.60% of the fund's portfolio
- Financial – 23.24% of the fund's portfolio
- Unspecified – 17.79% of the fund's portfolio
- Technology – 11.94% of the fund's portfolio
- Energy & Utilities – 4.53% of the fund's portfolio
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