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OmniAsset › Mutual funds › SBI Retirement Benefit Fund - Conservative Plan

SBI Retirement Benefit Fund - Conservative Plan

Retirement fund benchmarked to NIFTY Composite Debt Index. Every figure below is read from one dated snapshot; what the snapshot cannot prove is left out, never estimated.

Latest NAV2 Sep 202615.032
CategoryRetirement
PlanDirect · Idcw
Launched20 Jan 2021
Risk labelthe scheme's own riskometerMODERATELY HIGH
Legal benchmarkSEBI Tier-1NIFTY Composite Debt Index
Expense ratiodirect plan, a year0.98%
AUM₹0.81 Cr
Growth of ₹10,000₹14,0922 Sep 2021 to 2 Sep 2026
₹14,167₹13,119₹12,071₹11,023₹9,975Sep 2021Nov 2022Mar 2024Jun 2025Sep 2026
₹14,092 (+7.1% a year) SBI Retirement Benefit Fund - Conservative Plan

Performance (trailing, annualised)

1Y annualised3.87%
3Y annualised6.80%
5Y annualised7.10%

Point-to-point from the fund's own published NAV; a period the history does not span is left out.

SIP returns

SIP 1Y (₹10,000 a month)invested ₹1,20,000 → worth ₹1,22,8534.42%
SIP 3Y (₹10,000 a month)invested ₹3,60,000 → worth ₹3,89,2225.13%
SIP 5Y (₹10,000 a month)invested ₹6,00,000 → worth ₹7,10,8966.72%

₹10,000 on the first of every month, valued at the latest NAV, as an annualised rate (XIRR).

Calendar years

Calendar 20225.42%
Calendar 202311.84%
Calendar 20249.53%
Calendar 20255.59%

Rolling returns

Rolling 1Y · average233 windows since 22 Feb 20227.68%
Rolling 1Y · median7.39%
Rolling 1Y · worst window-1.13%
Rolling 1Y · best window13.91%
Rolling 1Y · windows positive98%
Rolling 3Y · average131 windows since 20 Feb 20248.83%
Rolling 3Y · median8.91%
Rolling 3Y · worst window6.61%
Rolling 3Y · best window11.33%
Rolling 3Y · windows positive100%
Rolling 5Y · average28 windows since 20 Feb 20267.43%
Rolling 5Y · median7.46%
Rolling 5Y · worst window7.00%
Rolling 5Y · best window8.10%
Rolling 5Y · windows positive100%

Every window of that length in the published history, so one lucky start date cannot flatter the fund.

Risk

Volatility (3Y)3.63%
Downside deviation (3Y)2.44%
Maximum drawdown-4.45%

Management

Fund managerMr. Ardhendu Bhattacharya, Mr. Rohit Shimpi
Managing since30 Jun 2021

Related

Source: the OmniAsset signed reference snapshot, as of 4 Sep 2026. Figures are deterministic; missing data is withheld, never estimated. See methodology and data sources. Not investment advice.

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