SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw

  • 3 Months
  • 6 Months
  • 1 Year
  • 3 Years
  • 5 Years
  • RSI
3 Months Returns : -0.18%
NAV: ₹15.58 as on Fri Oct 03, 2025
Fund NAV

Fund Overview of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw

  • ₹284.2 Cr
    AUM
  • ₹15.58
    NAV
  • 1.67%
    Expense Ratio
  • Hybrid
    Fund Category
As on Fri Oct 03, 2025

Returns of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw

Tenure Absolute(%) Annualised(%) Category Average(%)
3 Months -0.18% NA 0.55%
6 Months 6.47% NA 5.55%
1 Year 1.37% 1.37% 5.63%
2 Year NA 8.36% 10.55%
3 Years 31.58% 9.58% 10.07%
View More
As on Fri Oct 03, 2025

Asset Allocation

equities

38.87%

debt instruments

57.18%

other assets or cash equivalents

3.95%
Large Cap: 8.08%
Mid Cap: 27.27%
Small Cap: 5.81%
Other: 58.84%
Top Holdings
Government Of India 34733 Goi 05ag54 7.09 Fv Rs 100
14.18%
State Development Loan 30887 Kar 20ot34 7.08 Fv Rs 100
10.71%
Central Government Loan 20388 Goi 07dc31 Flt Fv Rs 100
9.00%
State Development Loan 35530 Mh 05fb36 7.12 Fv Rs 100
4.46%
Hdfc Bank Ltd
3.73%
Top Sectors
Entities
24.06%
Unspecified
19.12%
Financial
17.73%
Technology
10.60%
Industrials
7.70%
Detailed Portfolio Analysis
As on Fri Oct 03, 2025
Invest Now

About Fund

About SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-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 marketinstruments & balance in equity and equity related instruments. It manages assets worth ₹284.2 crore as on Thu Jul 31, 2025. The expense ratio stands at 1.67%.
The portfolio allocation consists of 38.87% in equities, 57.18% in debt instruments, 3.95% in other assets or cash equivalents. Managed by Ardhendu Bhattacharya, it has delivered a return of 1.37% in the last year, a total return since inception of 10.02%.

Read more
  • Pradeep Kesavan

    Fund Manager

  • Mr. Kesavan has done B.Com, MBA (Finance) and CFA

    Manager Education

  • Rohit Shimpi

    Fund Manager

  • Mr. Shimpi is a B. Com., PGDBM (Finance), CFA.

    Manager Education

  • Ardhendu Bhattacharya

    Fund Manager

  • Mr. Bhattacharya is a MBA (Marketing) and Bachelor of Engineering.

    Manager Education

Key Metrics of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw

  • Standard Deviation
    5.34%
  • Sharpe Ratio
    0.50%
  • Alpha
    -0.60%
  • Beta
    1.32%

Fund Details

  • Fund Names
    SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw
  • Inception Date
    10 Feb 2021
  • Lock In
    1825
  • SIP Minimum Investment amount
    ₹ 500
  • SWP Minimum Investment amount
    ₹ 500
  • STP Minimum Investment amount
    ₹ 500
  • Risk
    Principal at high risk
  • Category Average Annual Returns
    5.63
More Details
Highest NAV in last 52 weeks & Lowest NAV in last 52 weeks

Top Performing Mutual Funds

Fund Names AUM (Cr) 1M 3M 1Yr 3Yr 5Yr
SBI Magnum Children's Benefit Fund - Savings Plan Direct trend ₹129 0.59% 0.19% 3.49% 12.77% 13.79%
Aditya Birla Sun Life Regular Savings Fund Direct-growth trend ₹1,524 0.79% 0.97% 7.43% 10.43% 11.89%
UTI Conservative Hybrid Fund Direct-flexi Idcw trend ₹1,707 0.87% 0.02% 4.47% 10.75% 11.34%
Kotak Debt Hybrid Fund Regular-growth trend ₹3,130 1.62% 0.25% 3.00% 10.53% 10.87%
UTI Conservative Hybrid Fund Regular Plan-flexi Idcw trend ₹1,707 0.82% -0.13% 3.82% 10.08% 10.67%
Nippon India Conservative Hybrid Fund Direct-growth trend ₹899 1.10% 1.77% 8.69% 10.01% 9.80%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Growth trend ₹82 0.89% 0.77% 5.92% 11.00% 9.24%
Franklin India Conservative Hybrid Fund A Regular-growth trend ₹204 0.81% 0.16% 5.44% 9.91% 9.06%
DSP Regular Savings Fund Regular-growth trend ₹178 0.75% 0.33% 5.39% 10.37% 9.01%
Canara Robeco Conservative Hybrid Fund Regular-growth trend ₹950 0.23% 0.32% 4.23% 8.75% 8.46%
View More
increase 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
SBI Conservative Hybrid Fund-growth increase ₹9,799 0.83% 0.70% 4.74% 4.83% 10.24%
SBI Conservative Hybrid Fund Direct-growth increase ₹9,799 0.87% 0.82% 4.99% 5.34% 10.79%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct - Growth increase ₹284 1.21% -0.35% 4.51% 2.50% 10.76%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular - Growth increase ₹284 1.17% -0.48% 4.25% 1.99% 10.19%
SBI Retirement Benefit Fund - Conservative Plan Regular - Growth increase ₹177 1.20% -0.41% 3.01% 3.97% 8.82%
SBI Retirement Benefit Fund - Conservative Plan Direct - Growth increase ₹177 1.23% -0.30% 3.24% 4.44% 9.34%
SBI Retirement Benefit Fund - Conservative Plan Direct-idcw increase ₹177 1.23% -0.30% 3.24% 4.44% 9.34%
SBI Magnum Children's Benefit Fund - Savings Plan Direct increase ₹129 0.59% 0.19% 2.95% 3.49% 12.77%
SBI Magnum Children's Benefit Fund - Savings Plan increase ₹129 0.56% 0.10% 2.76% 3.11% 12.37%
View More
increase growth is based on 1-month returns of the funds

Mutual Fund Calculator

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Tax Information

If sold after 1 year from purchase date, long term capital gain tax will be applicable. Current tax rate is 12.5%, if your total long term capital gain exceeds 1.25 lakh. Any cess/surcharge is not included. If sold before 1 year from purchase date, short term capital gain tax will be applicable. Current tax rate is 20%. Any cess/surcharge is not included in the 20%.

More Details
You can also get Tax Free Maturity/ Returns? You can also get Tax Free Maturity/ Returns?

Top Mutual Funds

Fund Names AUM (Cr) NAV 3Yr 5Yr 10Yr
Kotak Debt Hybrid Fund Regular-growth trend ₹3,130 ₹58.82 10.53% 10.87% 9.40%
UTI Conservative Hybrid Fund Direct-flexi Idcw trend ₹1,707 ₹50.43 10.75% 11.34% 8.88%
UTI Conservative Hybrid Fund Regular Plan-flexi Idcw trend ₹1,707 ₹45.45 10.08% 10.67% 8.17%
Aditya Birla Sun Life Regular Savings Fund Direct-growth trend ₹1,524 ₹75.69 10.43% 11.89% 9.54%
Canara Robeco Conservative Hybrid Fund Regular-growth trend ₹950 ₹97.44 8.75% 8.46% 7.88%
Nippon India Conservative Hybrid Fund Direct-growth trend ₹899 ₹65.05 10.01% 9.80% 6.40%
Franklin India Conservative Hybrid Fund A Regular-growth trend ₹204 ₹91.37 9.91% 9.06% 7.50%
DSP Regular Savings Fund Regular-growth trend ₹178 ₹59.08 10.37% 9.01% 7.18%
SBI Magnum Children's Benefit Fund - Savings Plan Direct trend ₹129 ₹119.97 12.77% 13.79% 12.34%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Growth trend ₹82 ₹17.54 11.00% 9.24% -
View More
Top funds are based on Fund AUM

Detailed Portfolio

Stocks Sector % of Holding Value
Government Of India 34733 Goi 05ag54 7.09 Fv Rs 100Entities14.18%₹40.30 Cr
State Development Loan 30887 Kar 20ot34 7.08 Fv Rs 100Unspecified10.71%₹30.43 Cr
Central Government Loan 20388 Goi 07dc31 Flt Fv Rs 100Entities9.00%₹25.59 Cr
State Development Loan 35530 Mh 05fb36 7.12 Fv Rs 100Unspecified4.46%₹12.66 Cr
Hdfc Bank LtdFinancial3.73%₹10.59 Cr
Bharat Sanchar Nigam Limited Sr Ii Tr A 7.72 Loa 22dc32 Fvrs10lacTechnology3.66%₹10.40 Cr
Summit Digitel Infrastructure Limited 7.58 Ncd 30ot31 Fvrs1lacTechnology2.69%₹7.65 Cr
Icici Bank LtdFinancial2.69%₹7.64 Cr
RepoUnspecified2.49%₹7.08 Cr
Reliance Industries LtdEnergy & Utilities2.30%₹6.53 Cr
Torrent Power Limited Sr 11 Tr 11b 8.5 Ncd 07ju32 Fvrs1lacEnergy & Utilities1.86%₹5.28 Cr
Rural Electrification Corporation Limited Sr 218 B 7.69 Bd 31jn33 Fvrs1lacFinancial1.83%₹5.20 Cr
Sundaram Finance Limited Sr Y3 8.23 Ncd 05jl34 Fvrs1acFinancial1.82%₹5.18 Cr
Power Finance Corporation Ltd. Sr Bs227b 7.77 Bd 15ap28 Fvrs1lacFinancial1.80%₹5.13 Cr
Tata Power Renewable Energy Limited 7.85 Ncd 19sp34 Fvrs1lacIndustrials1.80%₹5.11 Cr
Godrej Properties Limited Sr A 8.15 Loa 03jl26 Fvrs1lacReal Estate1.78%₹5.05 Cr
Infosys LtdTechnology1.66%₹4.72 Cr
Larsen & Toubro LtdIndustrials1.61%₹4.56 Cr
Maruti Suzuki India LtdConsumer Discretionary1.50%₹4.26 Cr
Net ReceivablesUnspecified1.46%₹4.21 Cr
State Bank Of IndiaFinancial1.23%₹3.50 Cr
Ultratech Cement LtdMaterials1.23%₹3.49 Cr
Axis Bank LtdFinancial1.03%₹2.92 Cr
Tata Consultancy Services LtdTechnology0.98%₹2.78 Cr
Kotak Mahindra Bank LtdFinancial0.97%₹2.77 Cr
Abbott India LtdHealthcare0.96%₹2.74 Cr
Government Of India 35943 Goi 05my35 6.33 Fv Rs 100Entities0.88%₹2.49 Cr
Timken India LtdIndustrials0.87%₹2.47 Cr
Jubilant Foodworks LtdConsumer Discretionary0.85%₹2.41 Cr
Hindalco Industries LtdMaterials0.84%₹2.38 Cr
Schaeffler India LtdIndustrials0.81%₹2.31 Cr
Divi's Laboratories LtdHealthcare0.74%₹2.11 Cr
Hdfc Life Insurance Co LtdFinancial0.72%₹2.04 Cr
Union Bank Of India Sr Xxxii 8.70 Bd Perpetual Fvrs1crFinancial0.71%₹2.02 Cr
Power Grid Corporation Of India LtdEnergy & Utilities0.71%₹2.01 Cr
Kajaria Ceramics LtdIndustrials0.68%₹1.92 Cr
Endurance Technologies LtdConsumer Discretionary0.66%₹1.89 Cr
Zf Commercial Vehicle Control Systems India LtdConsumer Discretionary0.63%₹1.78 Cr
L&t Technology Services LtdTechnology0.61%₹1.74 Cr
Tvs Motor Company LtdConsumer Discretionary0.60%₹1.71 Cr
Page Industries LtdConsumer Discretionary0.55%₹1.56 Cr
Honeywell Automation India LtdTechnology0.55%₹1.55 Cr
Balrampur Chini Mills LtdConsumer Staples0.52%₹1.47 Cr
Navin Fluorine International LtdMaterials0.52%₹1.46 Cr
Grindwell Norton LtdMaterials0.50%₹1.43 Cr
Cholamandalam Investment & Finance Company LtdFinancial0.50%₹1.43 Cr
Dr. Lal Pathlabs LtdHealthcare0.49%₹1.39 Cr
Dlf LtdReal Estate0.48%₹1.37 Cr
Hawkins Cookers LtdConsumer Discretionary0.48%₹1.35 Cr
Ltimindtree LtdTechnology0.45%₹1.28 Cr
Torrent Power LtdEnergy & Utilities0.44%₹1.26 Cr
Brigade Hotel Ventures Ltd.Consumer Discretionary0.41%₹1.18 Cr
Fsn E-commerce Ventures LtdConsumer Discretionary0.41%₹1.16 Cr
Sona Blw Precision Forgings LtdConsumer Discretionary0.40%₹1.15 Cr
Hdb Financial Services Limited EqFinancial0.40%₹1.14 Cr
Aia Engineering LtdIndustrials0.37%₹1.06 Cr
Thermax LtdIndustrials0.37%₹1.06 Cr
Esab India LtdIndustrials0.37%₹1.04 Cr
Chalet Hotels LtdConsumer Discretionary0.35%₹1.00 Cr
Abb India LtdIndustrials0.34%₹0.95 Cr
Carborundum Universal LtdMaterials0.30%₹0.87 Cr
Hdfc Asset Management Company LtdFinancial0.30%₹0.85 Cr
Nuvoco Vistas Corp LtdMaterials0.28%₹0.80 Cr
Pitti Engineering LtdIndustrials0.28%₹0.79 Cr
Teamlease Services LtdIndustrials0.20%₹0.57 Cr
View More

Top Hybrid Funds

Fund Names NAV 3Yr 5Yr 52 weeks high
SBI Magnum Children's Benefit Fund - Savings Plan Direct increase ₹119.97 12.77% 13.79% 120.77
Aditya Birla Sun Life Regular Savings Fund Direct-growth increase ₹75.69 10.43% 11.89% -
UTI Conservative Hybrid Fund Direct-flexi Idcw increase ₹50.43 10.75% 11.34% -
Kotak Debt Hybrid Fund Regular-growth increase ₹58.82 10.53% 10.87% 58.90
UTI Conservative Hybrid Fund Regular Plan-flexi Idcw increase ₹45.45 10.08% 10.67% -
Nippon India Conservative Hybrid Fund Direct-growth increase ₹65.05 10.01% 9.80% -
ICICI Prudential Retirement Fund - Hybrid Conservative Plan - Growth increase ₹17.54 11.00% 9.24% -
Franklin India Conservative Hybrid Fund A Regular-growth increase ₹91.37 9.91% 9.06% 91.59
DSP Regular Savings Fund Regular-growth increase ₹59.08 10.37% 9.01% -
Canara Robeco Conservative Hybrid Fund Regular-growth increase ₹97.44 8.75% 8.46% -
View More
increase growth is based on 5Y returns of the funds

Frequently Asked Questions

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw

What is the current AUM of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw?

As of Thu Jul 31, 2025, SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw manages assets worth ₹284.2 crore

How has SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw performed recently?

  • 3 Months: -0.18%
  • 6 Months: 6.47%

What is the long-term performance of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw?

  • 3 Years CAGR: 9.58%
  • Since Inception: 10.02%

What is the portfolio composition of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw?

Equity: 38.87%, Debt: 57.18%, Others: 3.95%.

Who manages SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw?

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw is managed by Ardhendu Bhattacharya from SBI Mutual Fund.

What is the market-cap allocation of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw?

Large Cap: 8.08%, Mid Cap: 27.27%, Small Cap: 5.81%.

Which are the top companies SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw has invested in?

  • GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 – 14.18% of the fund's portfolio
  • STATE DEVELOPMENT LOAN 30887 KAR 20OT34 7.08 FV RS 100 – 10.71% of the fund's portfolio
  • CENTRAL GOVERNMENT LOAN 20388 GOI 07DC31 FLT FV RS 100 – 9.00% of the fund's portfolio
  • STATE DEVELOPMENT LOAN 35530 MH 05FB36 7.12 FV RS 100 – 4.46% of the fund's portfolio
  • HDFC Bank Ltd – 3.73% of the fund's portfolio

Which are the major sectors SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular-idcw focuses on?

  • Entities – 24.06% of the fund's portfolio
  • Unspecified – 19.12% of the fund's portfolio
  • Financial – 17.73% of the fund's portfolio
  • Technology – 10.60% of the fund's portfolio
  • Industrials – 7.70% of the fund's portfolio
View more FAQ's

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Past performance may not be indicative of future results.

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Policybazaar is a registered Insurance Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2024, License category- Direct Broker (Life & General) |CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 |Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.©️ Copyright 2008-2025 policybazaar.com. All Rights Reserved

^Returns as on 10th Jan’25. Tata AIA Life Top 200 ULIP Fund has delivered 18% returns over the last 10 years. Past performance is not necessarily indicative of future results. This disclaimer is specifically regarding a ULIP fund and is not related to mutual funds. Source: Morningstar.

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