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SBI Retirement Benefit Fund - Conservative Plan Direct Growth
HybridRetirementModerately High risk
Direct
NAV (20-Dec-24)
₹13.98-0.37%1D
Returns (Since Inception)
9.03%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹179 Cr
Expense Ratio
0.92%
ISIN
INF200KA1T39
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
17 Feb 2021
About this fund
SBI Retirement Benefit Fund - Conservative Plan Direct Growth is a Retirement mutual fund schemes offered by SBI Mutual Fund. This fund has been in existence for 3 years, 10 months and 5 days, having been launched on 17-Feb-21.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹13.98, Assets Under Management (AUM) of 179.05 Crores, and an expense ratio of 0.92%.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹13.98, Assets Under Management (AUM) of 179.05 Crores, and an expense ratio of 0.92%.
- SBI Retirement Benefit Fund - Conservative Plan Direct Growth has given a CAGR return of 9.03% since inception.
- The fund's asset allocation comprises around 19.13% in equities, 77.01% in debts, and 3.86% in cash & cash equivalents.
- You can start investing in SBI Retirement Benefit Fund - Conservative Plan Direct 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
+10.35%
— (Cat Avg.)
3 Years
+9.12%
— (Cat Avg.)
Since Inception
+9.03%
— (Cat Avg.)
Portfolio Summaryas of 15th December 2024
| Equity | ₹34.25 Cr | 19.13% |
| Debt | ₹137.89 Cr | 77.01% |
| Others | ₹6.91 Cr | 3.86% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.25% Govt Stock 2063 | Bond - Gov't/Treasury | ₹36.12 Cr | 20.17% |
| 6.79% Govt Stock 2034 | Bond - Gov't/Treasury | ₹22.59 Cr | 12.62% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹15.33 Cr | 8.56% |
| Treps | Cash - Repurchase Agreement | ₹14.07 Cr | 7.86% |
| 7.34% Govt Stock 2064 | Bond - Gov't/Treasury | ₹10.47 Cr | 5.85% |
| Bharat Sanchar Nigam Limited | Bond - Corporate Bond | ₹10.13 Cr | 5.66% |
| Net Receivable / Payable | Cash - Collateral | ₹-7.15 Cr | 4.00% |
| Torrent Power Limited | Bond - Corporate Bond | ₹5.19 Cr | 2.90% |
| Sundaram Finance Limited | Bond - Corporate Bond | ₹5.15 Cr | 2.88% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹5.14 Cr | 2.87% |
| 7.25% State Government Of Maharashtra 2044 | Bond - Gov't/Treasury | ₹5.08 Cr | 2.84% |
| Power Finance Corporation Ltd. | Bond - Corporate Bond | ₹5.05 Cr | 2.82% |
| Tata Power Renewable Energy Ltd. (Guaranteed By Tata Power Ltd.) | Bond - Corporate Bond | ₹5.03 Cr | 2.81% |
| Union Bank Of India | Bond - Corporate Bond | ₹5.02 Cr | 2.81% |
| Godrej Properties Limited | Bond - Corporate Bond | ₹5 Cr | 2.79% |
| HDFC Bank Ltd | Equity | ₹3.13 Cr | 1.75% |
| 7.93% Govt Stock 2033 | Bond - Gov't/Treasury | ₹2.57 Cr | 1.43% |
| ICICI Bank Ltd | Equity | ₹2.21 Cr | 1.23% |
| Infosys Ltd | Equity | ₹2.01 Cr | 1.12% |
| Reliance Industries Ltd | Equity | ₹1.92 Cr | 1.07% |
| Larsen & Toubro Ltd | Equity | ₹1.43 Cr | 0.80% |
| Tata Consultancy Services Ltd | Equity | ₹1.34 Cr | 0.75% |
| Maruti Suzuki India Ltd | Equity | ₹1.18 Cr | 0.66% |
| State Bank of India | Equity | ₹1.17 Cr | 0.65% |
| UltraTech Cement Ltd | Equity | ₹1.05 Cr | 0.59% |
| Axis Bank Ltd | Equity | ₹1 Cr | 0.56% |
| Kajaria Ceramics Ltd | Equity | ₹0.82 Cr | 0.46% |
| Kotak Mahindra Bank Ltd | Equity | ₹0.81 Cr | 0.45% |
| Divi's Laboratories Ltd | Equity | ₹0.79 Cr | 0.44% |
| Jubilant Foodworks Ltd | Equity | ₹0.76 Cr | 0.43% |
| Hindalco Industries Ltd | Equity | ₹0.75 Cr | 0.42% |
| Endurance Technologies Ltd | Equity | ₹0.75 Cr | 0.42% |
| Timken India Ltd | Equity | ₹0.75 Cr | 0.42% |
| Power Grid Corp Of India Ltd | Equity | ₹0.73 Cr | 0.41% |
| L&T Technology Services Ltd | Equity | ₹0.73 Cr | 0.41% |
| Schaeffler India Ltd | Equity | ₹0.68 Cr | 0.38% |
| Abbott India Ltd | Equity | ₹0.68 Cr | 0.38% |
| Grindwell Norton Ltd | Equity | ₹0.64 Cr | 0.36% |
| HDFC Life Insurance Co Ltd | Equity | ₹0.57 Cr | 0.32% |
| Sona BLW Precision Forgings Ltd | Equity | ₹0.54 Cr | 0.30% |
| LTIMindtree Ltd | Equity | ₹0.54 Cr | 0.30% |
| Page Industries Ltd | Equity | ₹0.54 Cr | 0.30% |
| DLF Ltd | Equity | ₹0.5 Cr | 0.28% |
| ZF Commercial Vehicle Control Systems India Ltd | Equity | ₹0.47 Cr | 0.26% |
| Balrampur Chini Mills Ltd | Equity | ₹0.47 Cr | 0.26% |
| ABB India Ltd | Equity | ₹0.44 Cr | 0.24% |
| Thermax Ltd | Equity | ₹0.43 Cr | 0.24% |
| Carborundum Universal Ltd | Equity | ₹0.4 Cr | 0.23% |
| Esab India Ltd | Equity | ₹0.4 Cr | 0.22% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹0.39 Cr | 0.22% |
| Pitti Engineering Ltd | Equity | ₹0.38 Cr | 0.21% |
| AIA Engineering Ltd | Equity | ₹0.37 Cr | 0.21% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹0.36 Cr | 0.20% |
| Chalet Hotels Ltd | Equity | ₹0.35 Cr | 0.20% |
| FSN E-Commerce Ventures Ltd | Equity | ₹0.34 Cr | 0.19% |
| HDFC Asset Management Co Ltd | Equity | ₹0.34 Cr | 0.19% |
| TeamLease Services Ltd | Equity | ₹0.34 Cr | 0.19% |
| Hawkins Cookers Ltd | Equity | ₹0.32 Cr | 0.18% |
| V-Guard Industries Ltd | Equity | ₹0.22 Cr | 0.12% |
| Nuvoco Vista Corp Ltd | Equity | ₹0.21 Cr | 0.12% |
Allocation By Market Cap (Equity)
Large Cap Stocks
12.27%
Mid Cap Stocks
3.90%
Small Cap Stocks
2.96%
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹9.97 Cr | 5.57% |
| Industrials | ₹6.61 Cr | 3.69% |
| Consumer Cyclical | ₹5.94 Cr | 3.32% |
| Technology | ₹4.62 Cr | 2.58% |
| Basic Materials | ₹2.02 Cr | 1.13% |
| Energy | ₹1.92 Cr | 1.07% |
| Healthcare | ₹1.47 Cr | 0.82% |
| Utilities | ₹0.73 Cr | 0.41% |
| Real Estate | ₹0.5 Cr | 0.28% |
| Consumer Defensive | ₹0.47 Cr | 0.26% |
Risk & Performance Ratios
Standard Deviation
This fund
3.15%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.87
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
PK
Pradeep Kesavan
Since December 2023
Additional Scheme Detailsas of 15th December 2024
ISIN INF200KA1T39 | Expense Ratio 0.92% | Exit Load No Charges | Fund Size ₹179 Cr | Age 3 years 10 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:
Dividend Taxation:
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  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2176.80 Cr | 22.7% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹176.48 Cr | 11.1% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2108.21 Cr | 25.8% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹921.99 Cr | 22.2% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹74.56 Cr | 14.7% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹921.99 Cr | 23.8% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹387.54 Cr | 27.3% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.1% | 0.0% | ₹387.54 Cr | 29.0% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹74.56 Cr | 13.2% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹524.09 Cr | 13.7% |
About the AMC
SBI Mutual Fund
Total AUM
₹10,85,623 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 Direct Growth?
The NAV of SBI Retirement Benefit Fund - Conservative Plan Direct Growth, as of 20-Dec-2024, is ₹13.98.
What are the returns of SBI Retirement Benefit Fund - Conservative Plan Direct Growth?
The fund has generated 10.35% over the last 1 year and 9.12% 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 Direct Growth?
The fund's allocation of assets is distributed as 19.13% in equities, 77.01% in bonds, and 3.86% in cash and cash equivalents.
Who manages the SBI Retirement Benefit Fund - Conservative Plan Direct Growth?
The fund managers responsible for SBI Retirement Benefit Fund - Conservative Plan Direct Growth are:-
- Rohit Shimpi
- Ardhendu Bhattacharya
- Pradeep Kesavan
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, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, 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, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, 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.