Question 1

What is the current NAV of SBI Retirement Benefit Fund - Conservative Hybrid Plan?

Accepted Answer

The current Net Asset Value (NAV) of the SBI Retirement Benefit Fund - Conservative Hybrid Plan plan is approximately ₹15.3919 as of Feb 02, 2026.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The SBI Retirement Benefit Fund - Conservative Hybrid Plan is a 5 yrs old fund and has delivered average annual returns of 8.96% since inception.

SBI Retirement Benefit Fund - Conservative Hybrid Plan Returns

1-Year	3-Year	Since Inception
3.63%	8.77%	8.96%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The SBI Retirement Benefit Fund - Conservative Hybrid Plan has an expense ratio of 1.67%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 4

What is the AUM or fund size of this mutual fund?

Accepted Answer

The SBI Retirement Benefit Fund - Conservative Hybrid Plan currently has assets under management (AUM) or fund size valued at approximately 284 Cr as on Dec 31, 2025.

Question 5

What are the top stock holdings of SBI Retirement Benefit Fund - Conservative Hybrid Plan?

Accepted Answer

The SBI Retirement Benefit Fund - Conservative Hybrid Plan's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	3.45%
Reliance Industries Ltd.	2.49%
ICICI Bank Ltd.	2.24%
Larsen & Toubro Ltd.	1.69%
Maruti Suzuki India Ltd.	1.66%
Infosys Ltd.	1.53%
State Bank of India	1.42%
Ultratech Cement Ltd.	1.18%
Axis Bank Ltd.	1.1%
Kotak Mahindra Bank Ltd.	1.08%

Question 6

What are the top sectors SBI Retirement Benefit Fund - Conservative Hybrid Plan has invested in?

Accepted Answer

The SBI Retirement Benefit Fund - Conservative Hybrid Plan's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
HDFC Bank Ltd.	3.45%
Reliance Industries Ltd.	2.49%
ICICI Bank Ltd.	2.24%
Larsen & Toubro Ltd.	1.69%
Maruti Suzuki India Ltd.	1.66%
Infosys Ltd.	1.53%
State Bank of India	1.42%
Ultratech Cement Ltd.	1.18%
Axis Bank Ltd.	1.1%
Kotak Mahindra Bank Ltd.	1.08%

Question 7

To whom does SBI Retirement Benefit Fund - Conservative Hybrid Plan lend to?

Accepted Answer

The top 3 debt holdings of SBI Retirement Benefit Fund - Conservative Hybrid Plan are as follows

Holding Name	Percentage of Portfolio
GOI	40.47%
Bharat Sanchar Nigam Ltd	3.61%
Summit Digitel Infrastructure Pvt. Ltd.	2.68%

Question 8

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The SBI Retirement Benefit Fund - Conservative Hybrid Plan's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
GOI	40.47%
Bharat Sanchar Nigam Ltd	3.61%
Summit Digitel Infrastructure Pvt. Ltd.	2.68%

Question 9

What is risk level of SBI Retirement Benefit Fund - Conservative Hybrid Plan?

Accepted Answer

This is a Retirement Solutions fund comes with High risk.

Question 10

Is there any lock-in period in this mutual fund?

Accepted Answer

Yes, this fund comes with a mandatory lock-in period of 5 years.

Question 11

How can I redeem my investments in SBI Retirement Benefit Fund - Conservative Hybrid Plan?

Accepted Answer

Redeeming your investments in the SBI Retirement Benefit Fund - Conservative Hybrid Plan is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

AUM (Fund size)	₹284 Cr
Exit load	0%
Lock-in Period	5 Years
Age	5 yrs since Jan 20, 2021
Benchmark	CRISIL Hybrid 65+35 Conservative
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Expense ratio	1.67% as on Feb 02, 2026
Plan type	Regular
Risk	High

Period	This fund	Category average
1 Month	-2.51%	-2.31%
3 Months	-1.9%	-2.24%
6 Months	-0.63%	-0.17%
1 Year	3.63%	5.75%
2 Years	5.52%	7.98%
3 Years	8.77%	11.23%
4 Years	7.83%	8.77%

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Retirement Benefit Fund - Conservative Hybrid Plan	-2.51%	-0.63%	3.63%	8.77%	N.A.	N.A.
UTI Retirement Fund	-1.58%	1.1%	5.8%	11.54%	10.99%	9.87%
HDFC Retirement Savings Fund - Hybrid Equity Plan	-3.55%	-0.02%	5.65%	13.4%	12.89%	14.39%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	-0.87%	2.96%	9.03%	11.3%	8.05%	5.95%
HDFC Retirement Savings Fund - Hybrid Debt Plan	-1.18%	0.47%	4.81%	8.18%	7.33%	8.05%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	-3.77%	2.95%	13.0%	21.19%	15.76%	10.23%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Retirement Benefit Fund - Conservative Hybrid Plan	5.34	1.38	0.55	0.75
UTI Retirement Fund	5.6	0.62	0.96	1.41
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.58	0.78	0.86	1.29
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.04	0.97	1.21	1.63
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.45	0.87	0.61	0.95
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.33	1.1	1.15	1.65

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Retirement Benefit Fund - Conservative Hybrid Plan	N.A.	284 Cr	5 yrs	1.67%
UTI Retirement Fund	N.A.	4,789 Cr	31 yrs 1 m	1.68%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,744 Cr	9 yrs 11 m	2.07%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	90 Cr	6 yrs 11 m	2.12%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	161 Cr	9 yrs 11 m	2.16%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	1,082 Cr	6 yrs 11 m	2.15%

SBI Retirement Benefit Fund - Conservative Hybrid Plan

Historical NAV & returns

SBI Retirement Benefit Fund - Conservative Hybrid Plan overview

SBI Retirement Benefit Fund - Conservative Hybrid Plan Returns calculator

Trailing returns as on Feb 03, 2026

Asset allocationas on Dec 31, 2025

Peer comparison

Key risk & return ratios Compared to other funds in the category

Compare SBI Retirement Benefit Fund - Conservative Hybrid Plan in detail with

About this fund

About SBI Retirement Benefit Fund - Conservative Hybrid Plan

Fund managers

Investment objective

SBI Mutual Fund details

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Frequently asked questions

SBI Retirement Benefit Fund - Conservative Hybrid Plan Returns

ET Money rank

Alpha	-1.37 vs. 3.23 Underperformed at beating benchmark
Sharpe	0.55 vs. 3.15 Poor risk-adjusted returns
Beta	1.38 vs. 0.84 More sensitive to market's ups & downs
Standard deviation	5.34 vs. 6.19 More stable returns

Fund AUM	284 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

No. of schemes	72 view all schemes
Total AUM	12,63,745 Cr as on Dec 31, 2025
Address	9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai, 400051
Phone	022-61793000 / 1800-425-5425

Fund name	ETM Rank	AUM	1Y	5Y
SBI Multi Asset Allocation Fund	N.A.	13,033 Cr	18.95%	14.67%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan	N.A.	1,697 Cr	5.95%	13.09%
SBI Equity Hybrid Fund	N.A.	82,847 Cr	8.7%	11.81%
SBI Balanced Advantage Fund	N.A.	39,914 Cr	9.46%	N.A.
SBI Conservative Hybrid Fund	N.A.	9,851 Cr	6.26%	9.06%
SBI Equity Savings Fund	N.A.	5,919 Cr	7.1%	9.06%

Sector	Percentage of Portfolio
Financial	11.25%
Automobile	3.78%
Capital Goods	3.19%
Construction	2.98%
Energy	2.93%
Materials	2.83%
Technology	2.7%
Metals & Mining	2.04%
Healthcare	1.7%
Services	1.67%

Credit Quality	Percentage of Portfolio
SOV	40.47%
AAA	11.68%
AA+	6.09%