SBI Retirement Benefit Fund - Conservative Plan Regular Growth
HybridRetirementModerately High risk
Regular
NAV (18-Jun-25)
₹14.30-0.08%1D
Returns (Since Inception)
8.55%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹179 Cr
Expense Ratio
1.38%
ISIN
INF200KA1T13
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
17 Feb 2021
About this fund
SBI Retirement Benefit Fund - Conservative Plan Regular Growth is a Retirement mutual fund schemes offered by SBI Mutual Fund. This fund has been in existence for 4 years, 4 months and 2 days, having been launched on 17-Feb-21.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹14.30, Assets Under Management (AUM) of 179.48 Crores, and an expense ratio of 1.38%.
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹14.30, Assets Under Management (AUM) of 179.48 Crores, and an expense ratio of 1.38%.
- SBI Retirement Benefit Fund - Conservative Plan Regular Growth has given a CAGR return of 8.55% since inception.
- The fund's asset allocation comprises around 19.62% in equities, 73.55% in debts, and 6.84% in cash & cash equivalents.
- You can start investing in SBI Retirement Benefit Fund - Conservative Plan Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+7.18%
— (Cat Avg.)
3 Years
+10.78%
— (Cat Avg.)
Since Inception
+8.55%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Equity | ₹35.21 Cr | 19.62% |
| Debt | ₹132 Cr | 73.55% |
| Others | ₹12.27 Cr | 6.84% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.09% Govt Stock 2054 | Bond - Gov't/Treasury | ₹33.58 Cr | 18.71% |
| 07.74 Kt Gs 2036 | Bond - Gov't/Treasury | ₹27.02 Cr | 15.05% |
| 7.12% State Government Of Maharashtra 2036 | Bond - Gov't/Treasury | ₹12.94 Cr | 7.21% |
| Bharat Sanchar Nigam Limited | Bond - Corporate Bond | ₹10.51 Cr | 5.86% |
| 6.33% Gsec Mat - 05/05/2035 | Bond - Gov't/Treasury | ₹7.56 Cr | 4.21% |
| Net Receivable / Payable | Cash - Collateral | ₹6.44 Cr | 3.59% |
| Treps | Cash - Repurchase Agreement | ₹5.83 Cr | 3.25% |
| Torrent Power Limited | Bond - Corporate Bond | ₹5.31 Cr | 2.96% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹5.27 Cr | 2.94% |
| 7.25% State Government Of Maharashtra 2044 | Bond - Gov't/Treasury | ₹5.23 Cr | 2.91% |
| Sundaram Finance Limited | Bond - Corporate Bond | ₹5.22 Cr | 2.91% |
| Power Finance Corporation Limited | Bond - Corporate Bond | ₹5.15 Cr | 2.87% |
| TATA Power Renewable Energy Limited | Bond - Corporate Bond | ₹5.11 Cr | 2.85% |
| Godrej Properties Limited | Bond - Corporate Bond | ₹5.05 Cr | 2.81% |
| Union Bank Of India | Bond - Corporate Bond | ₹4.05 Cr | 2.25% |
| HDFC Bank Ltd | Equity | ₹3.26 Cr | 1.81% |
| ICICI Bank Ltd | Equity | ₹2.37 Cr | 1.32% |
| Reliance Industries Ltd | Equity | ₹2.15 Cr | 1.20% |
| Infosys Ltd | Equity | ₹1.57 Cr | 0.88% |
| Larsen & Toubro Ltd | Equity | ₹1.44 Cr | 0.80% |
| Maruti Suzuki India Ltd | Equity | ₹1.29 Cr | 0.72% |
| State Bank of India | Equity | ₹1.1 Cr | 0.62% |
| UltraTech Cement Ltd | Equity | ₹1.05 Cr | 0.59% |
| Tata Consultancy Services Ltd | Equity | ₹1.04 Cr | 0.58% |
| Axis Bank Ltd | Equity | ₹1.03 Cr | 0.58% |
| Kotak Mahindra Bank Ltd | Equity | ₹0.93 Cr | 0.52% |
| Divi's Laboratories Ltd | Equity | ₹0.89 Cr | 0.50% |
| Abbott India Ltd | Equity | ₹0.81 Cr | 0.45% |
| Endurance Technologies Ltd | Equity | ₹0.8 Cr | 0.45% |
| Schaeffler India Ltd | Equity | ₹0.8 Cr | 0.44% |
| Kajaria Ceramics Ltd | Equity | ₹0.74 Cr | 0.41% |
| Jubilant Foodworks Ltd | Equity | ₹0.73 Cr | 0.41% |
| Timken India Ltd | Equity | ₹0.73 Cr | 0.41% |
| Hindalco Industries Ltd | Equity | ₹0.72 Cr | 0.40% |
| HDFC Life Insurance Co Ltd | Equity | ₹0.7 Cr | 0.39% |
| Power Grid Corp Of India Ltd | Equity | ₹0.64 Cr | 0.36% |
| L&T Technology Services Ltd | Equity | ₹0.59 Cr | 0.33% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹0.56 Cr | 0.31% |
| TVS Motor Co Ltd | Equity | ₹0.56 Cr | 0.31% |
| ZF Commercial Vehicle Control Systems India Ltd | Equity | ₹0.55 Cr | 0.31% |
| Grindwell Norton Ltd | Equity | ₹0.52 Cr | 0.29% |
| Page Industries Ltd | Equity | ₹0.51 Cr | 0.28% |
| Honeywell Automation India Ltd | Equity | ₹0.48 Cr | 0.27% |
| Balrampur Chini Mills Ltd | Equity | ₹0.47 Cr | 0.26% |
| Sona BLW Precision Forgings Ltd | Equity | ₹0.47 Cr | 0.26% |
| DLF Ltd | Equity | ₹0.45 Cr | 0.25% |
| FSN E-Commerce Ventures Ltd | Equity | ₹0.42 Cr | 0.23% |
| LTIMindtree Ltd | Equity | ₹0.41 Cr | 0.23% |
| Dr. Lal PathLabs Ltd | Equity | ₹0.39 Cr | 0.22% |
| Navin Fluorine International Ltd | Equity | ₹0.38 Cr | 0.21% |
| AIA Engineering Ltd | Equity | ₹0.37 Cr | 0.21% |
| HDFC Asset Management Co Ltd | Equity | ₹0.36 Cr | 0.20% |
| ABB India Ltd | Equity | ₹0.34 Cr | 0.19% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹0.34 Cr | 0.19% |
| Esab India Ltd | Equity | ₹0.33 Cr | 0.18% |
| Chalet Hotels Ltd | Equity | ₹0.32 Cr | 0.18% |
| Thermax Ltd | Equity | ₹0.3 Cr | 0.17% |
| Carborundum Universal Ltd | Equity | ₹0.3 Cr | 0.17% |
| Hawkins Cookers Ltd | Equity | ₹0.29 Cr | 0.16% |
| Pitti Engineering Ltd | Equity | ₹0.26 Cr | 0.15% |
| TeamLease Services Ltd | Equity | ₹0.23 Cr | 0.13% |
| Nuvoco Vista Corp Ltd | Equity | ₹0.21 Cr | 0.12% |
Allocation By Market Cap (Equity)
Large Cap Stocks
12.54%
Mid Cap Stocks
3.89%
Small Cap Stocks
3.19%
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹10.66 Cr | 5.94% |
| Consumer Cyclical | ₹6.72 Cr | 3.75% |
| Industrials | ₹6.05 Cr | 3.37% |
| Technology | ₹3.6 Cr | 2.01% |
| Basic Materials | ₹2.37 Cr | 1.32% |
| Energy | ₹2.15 Cr | 1.20% |
| Healthcare | ₹2.09 Cr | 1.17% |
| Utilities | ₹0.64 Cr | 0.36% |
| Consumer Defensive | ₹0.47 Cr | 0.26% |
| Real Estate | ₹0.45 Cr | 0.25% |
Risk & Performance Ratios
Standard Deviation
This fund
3.47%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.99
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Rohit Shimpi
Since October 2021
Ardhendu Bhattacharya
Since June 2021
Additional Scheme Detailsas of 31st May 2025
ISIN | INF200KA1T13 | Expense Ratio | 1.38% | Exit Load | No Charges | Fund Size | ₹179 Cr | Age | 4 years 4 months | Lumpsum Minimum | ₹5,000 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL Hybrid 85+15 - ConservativeTR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Retirement Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Baroda BNP Paribas Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹381.68 Cr | 6.2% |
| Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk | 0.5% | 0.0% | ₹381.68 Cr | 8.3% |
| PGIM India Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹84.45 Cr | 10.3% |
| PGIM India Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹84.45 Cr | 8.6% |
| Bandhan Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹180.46 Cr | 4.2% |
| Bandhan Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹180.46 Cr | 5.9% |
| Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk | 1.0% | 0.0% | ₹156.73 Cr | 8.1% |
| Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk | 2.1% | 0.0% | ₹156.73 Cr | 6.9% |
| Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk | 1.9% | 0.0% | ₹3189.62 Cr | 1.5% |
| Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk | 1.0% | 0.0% | ₹3189.62 Cr | 2.5% |
About the AMC
Total AUM
₹11,01,967 Cr
Address
C-38 & 39, G Block, Bandra Kurla Complex, Mumbai, 400 051
Other Funds by SBI Mutual Fund
Risk Level
Your principal amount will be at Moderately High risk
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We're here to help.
What is the current NAV of SBI Retirement Benefit Fund - Conservative Plan Regular Growth?
The NAV of SBI Retirement Benefit Fund - Conservative Plan Regular Growth, as of 18-Jun-2025, is ₹14.30.
What are the returns of SBI Retirement Benefit Fund - Conservative Plan Regular Growth?
The fund has generated 7.18% over the last 1 year and 10.78% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of SBI Retirement Benefit Fund - Conservative Plan Regular Growth?
The fund's allocation of assets is distributed as 19.62% in equities, 73.55% in bonds, and 6.84% in cash and cash equivalents.
Who manages the SBI Retirement Benefit Fund - Conservative Plan Regular Growth?
The fund managers responsible for SBI Retirement Benefit Fund - Conservative Plan Regular Growth are:-
- Rohit Shimpi
- Ardhendu Bhattacharya
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.