SBI Retirement Benefit Fund - Conservative Plan
SBI Mutual Fund · Retirement · Direct plan, growth option
NAV (₹), 2 Oct 2026
14.9080
1-day change
-0.15%
1Y return
1.9%
3Y CAGR
6.4%
5Y CAGR
6.8%
Max drawdown, 5Y
−4.4%
NAV history month-end NAV, ₹ · 17 Feb 2021 to 1 Oct 2026
Returns vs Retirement median (29 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -1.0% | -4.4% |
| 3 months | -0.8% | -2.3% |
| 6 months | 5.3% | 5.3% |
| Year to date | 0.9% | -1.7% |
| 1 year | 1.9% | 0.8% |
| 3 years (CAGR) | 6.4% | 8.2% |
| 5 years (CAGR) | 6.8% | 8.4% |
| 7 years (CAGR) | n/a | 11.0% |
| 10 years (CAGR) | n/a | 9.9% |
| Since first NAV (CAGR) | 7.3% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 7.4% | 9.6% |
| 3Y rolling median | 8.9% | 12.9% |
| 3Y rolling worst | 6.3% | 5.7% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 7.4% | 11.7% |
| 5Y rolling worst | 6.8% | 6.8% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 4.9% | 10.9% |
| Sharpe ratio | 0.01 | 0.24 |
| Sortino ratio | 0.01 | 0.34 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −4.4% | −16.5% |
| Maximum drawdown, last 10Y | n/a | −23.2% |
| Maximum drawdown, last 5Y | −4.4% | −12.3% |
| Current drawdown | −1.4% | −5.6% |
| Recovery time of worst fall | 78 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 0.9% | n/a | – |
| 2025 | 5.6% | n/a | – |
| 2024 | 9.5% | n/a | – |
| 2023 | 11.8% | n/a | – |
| 2022 | 5.4% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,21,520 | 2.4% |
| 3 years | ₹3,60,000 | ₹3,83,971 | 4.2% |
| 5 years | ₹6,00,000 | ₹7,01,167 | 6.2% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: SBI Mutual Fund
Category: Retirement
Plan / option: Direct · Growth
AMFI scheme code: 148688
ISIN: INF200KA1T39
First NAV in MFIC data: 17 Feb 2021
History: 5.6 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| SBI Retirement Benefit Fund - Conservative Hybrid Plan | Retirement | 0.97 | 6.5% |
| Nippon India Retirement Fund- Income Generation Scheme | Retirement | 0.93 | 6.1% |
| HDFC Retirement Fund - Hybrid-Debt Plan | Retirement | 0.93 | 6.3% |
| UTI Children's Hybrid Fund | Children's | 0.92 | 5.9% |
| UTI Retirement Fund | Retirement | 0.91 | 8.2% |
| Tata Retirement Savings Fund-Conservative Plan | Retirement | 0.91 | 7.2% |
Questions about SBI Retirement Benefit Fund - Conservative Plan
- What is the latest NAV of SBI Retirement Benefit Fund - Conservative Plan?
- The NAV of the Direct plan (growth option) was ₹14.9080 on 2 Oct 2026, as published by AMFI.
- Which category is SBI Retirement Benefit Fund - Conservative Plan in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Direct plans).
- What returns has SBI Retirement Benefit Fund - Conservative Plan delivered?
- Over one year the NAV changed by 1.9%. The 3-year CAGR is 6.4% (category median 8.2%) and the 5-year CAGR is 6.8% (category median 8.4%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 8.9%, the lowest was 6.3%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in SBI Retirement Benefit Fund - Conservative Plan's NAV?
- The largest peak-to-trough fall in its available history was 4.4%; within the last five years it was 4.4% (category median 12.3%).
- How volatile is SBI Retirement Benefit Fund - Conservative Plan?
- Its annualised standard deviation of monthly returns over the last 36 months is 4.9%, which is below the Retirement category median of 10.9%.
- What would a monthly SIP in SBI Retirement Benefit Fund - Conservative Plan have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,01,167 on 2 Oct 2026, an annualised return (XIRR) of 6.2%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 1.9% and the Regular plan's by 1.4%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.