SBI Retirement Benefit Fund - Conservative Plan Regular Growth
HybridRetirementModerately High risk
Regular
NAV (06-Sep-24)
₹13.65-0.21%1D
Returns (Since Inception)
9.08%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹178 Cr
Expense Ratio
1.38%
ISIN
INF200KA1T13
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
17 Feb 2021
About this fund
SBI Retirement Benefit Fund - Conservative Plan Regular Growth is a Retirement mutual fund schemes offered by SBI Mutual Fund. This fund has been in existence for 3 years, 6 months and 21 days, having been launched on 17-Feb-21.
As of 06-Sep-24, it has a Net Asset Value (NAV) of ₹13.65, Assets Under Management (AUM) of 177.88 Crores, and an expense ratio of 1.38%.
As of 06-Sep-24, it has a Net Asset Value (NAV) of ₹13.65, Assets Under Management (AUM) of 177.88 Crores, and an expense ratio of 1.38%.
- SBI Retirement Benefit Fund - Conservative Plan Regular Growth has given a CAGR return of 9.08% since inception.
- The fund's asset allocation comprises around 19.50% in equities, 77.48% in debts, and 3.02% in cash & cash equivalents.
- You can start investing in SBI Retirement Benefit Fund - Conservative Plan Regular 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
+12.00%
— (Cat Avg.)
3 Years
+8.63%
— (Cat Avg.)
Since Inception
+9.08%
— (Cat Avg.)
Portfolio Summaryas of 15th August 2024
| Equity | ₹34.69 Cr | 19.50% |
| Debt | ₹137.82 Cr | 77.48% |
| Others | ₹5.37 Cr | 3.02% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.25% Govt Stock 2063 | Bond - Gov't/Treasury | ₹36.01 Cr | 20.24% |
| 7.34% Govt Stock 2064 | Bond - Gov't/Treasury | ₹20.82 Cr | 11.70% |
| 7.1% Govt Stock 2034 | Bond - Gov't/Treasury | ₹20.33 Cr | 11.43% |
| 7.72% Govt Stock 2028 | Bond - Gov't/Treasury | ₹12.58 Cr | 7.07% |
| Bharat Sanchar Nigam Limited | Bond - Corporate Bond | ₹10.14 Cr | 5.70% |
| Torrent Power Limited | Bond - Corporate Bond | ₹5.13 Cr | 2.88% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹5.08 Cr | 2.86% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹5.07 Cr | 2.85% |
| Sundaram Finance Limited | Bond - Corporate Bond | ₹5.06 Cr | 2.84% |
| Power Finance Corporation Ltd. | Bond - Corporate Bond | ₹5.04 Cr | 2.83% |
| Union Bank Of India | Bond - Corporate Bond | ₹5.01 Cr | 2.82% |
| Godrej Properties Limited | Bond - Corporate Bond | ₹4.98 Cr | 2.80% |
| Net Receivable / Payable | Cash - Collateral | ₹3.18 Cr | 1.79% |
| HDFC Bank Ltd | Equity | ₹2.74 Cr | 1.54% |
| 8.34% Govt Stock 2033 | Bond - Gov't/Treasury | ₹2.57 Cr | 1.45% |
| Reliance Industries Ltd | Equity | ₹2.28 Cr | 1.28% |
| Treps | Cash - Repurchase Agreement | ₹2.19 Cr | 1.23% |
| ICICI Bank Ltd | Equity | ₹2.18 Cr | 1.22% |
| Infosys Ltd | Equity | ₹1.95 Cr | 1.10% |
| Larsen & Toubro Ltd | Equity | ₹1.55 Cr | 0.87% |
| Tata Consultancy Services Ltd | Equity | ₹1.37 Cr | 0.77% |
| Maruti Suzuki India Ltd | Equity | ₹1.3 Cr | 0.73% |
| State Bank of India | Equity | ₹1.11 Cr | 0.62% |
| Axis Bank Ltd | Equity | ₹1.02 Cr | 0.57% |
| UltraTech Cement Ltd | Equity | ₹0.98 Cr | 0.55% |
| Kajaria Ceramics Ltd | Equity | ₹0.96 Cr | 0.54% |
| Timken India Ltd | Equity | ₹0.9 Cr | 0.51% |
| L&T Technology Services Ltd | Equity | ₹0.86 Cr | 0.48% |
| Endurance Technologies Ltd | Equity | ₹0.82 Cr | 0.46% |
| Jubilant Foodworks Ltd | Equity | ₹0.81 Cr | 0.46% |
| Kotak Mahindra Bank Ltd | Equity | ₹0.8 Cr | 0.45% |
| Hindalco Industries Ltd | Equity | ₹0.8 Cr | 0.45% |
| Schaeffler India Ltd | Equity | ₹0.75 Cr | 0.42% |
| Power Grid Corp Of India Ltd | Equity | ₹0.74 Cr | 0.42% |
| Abbott India Ltd | Equity | ₹0.71 Cr | 0.40% |
| Grindwell Norton Ltd | Equity | ₹0.7 Cr | 0.40% |
| Divi's Laboratories Ltd | Equity | ₹0.69 Cr | 0.39% |
| HDFC Life Insurance Company Limited | Equity | ₹0.66 Cr | 0.37% |
| ZF Commercial Vehicle Control Systems India Ltd | Equity | ₹0.64 Cr | 0.36% |
| Sona BLW Precision Forgings Ltd | Equity | ₹0.58 Cr | 0.33% |
| Balrampur Chini Mills Ltd | Equity | ₹0.48 Cr | 0.27% |
| Hawkins Cookers Ltd | Equity | ₹0.47 Cr | 0.27% |
| Page Industries Ltd | Equity | ₹0.47 Cr | 0.26% |
| Carborundum Universal Ltd | Equity | ₹0.46 Cr | 0.26% |
| AIA Engineering Ltd | Equity | ₹0.46 Cr | 0.26% |
| ABB India Ltd | Equity | ₹0.45 Cr | 0.25% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹0.43 Cr | 0.24% |
| FSN E-Commerce Ventures Ltd | Equity | ₹0.42 Cr | 0.24% |
| HDFC Asset Management Co Ltd | Equity | ₹0.4 Cr | 0.22% |
| Esab India Ltd | Equity | ₹0.39 Cr | 0.22% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹0.39 Cr | 0.22% |
| Chalet Hotels Ltd | Equity | ₹0.38 Cr | 0.22% |
| TeamLease Services Ltd | Equity | ₹0.38 Cr | 0.21% |
| Pitti Engineering Ltd | Equity | ₹0.36 Cr | 0.21% |
| Nuvoco Vista Corp Ltd | Equity | ₹0.32 Cr | 0.18% |
| SBFC Finance Ltd | Equity | ₹0.29 Cr | 0.17% |
| V-Guard Industries Ltd | Equity | ₹0.23 Cr | 0.13% |
Allocation By Credit Quality (Debt)
AAA
AA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹10.02 Cr | 5.63% |
| Industrials | ₹6.84 Cr | 3.85% |
| Consumer Cyclical | ₹6.65 Cr | 3.74% |
| Technology | ₹4.18 Cr | 2.35% |
| Energy | ₹2.28 Cr | 1.28% |
| Basic Materials | ₹2.1 Cr | 1.18% |
| Healthcare | ₹1.4 Cr | 0.79% |
| Utilities | ₹0.74 Cr | 0.42% |
| Consumer Defensive | ₹0.48 Cr | 0.27% |
Risk & Performance Ratios
Standard Deviation
This fund
2.94%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.97
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 August 2024
ISIN | INF200KA1T13 | Expense Ratio | 1.38% | Exit Load | No Charges | Fund Size | ₹178 Cr | Age | 17 Feb 2021 | 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:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
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% | ₹2183.40 Cr | 29.9% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹173.90 Cr | 14.0% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2099.53 Cr | 35.5% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹930.43 Cr | 36.5% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹76.98 Cr | 21.6% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹930.43 Cr | 38.3% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹383.99 Cr | 40.1% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.0% | 0.0% | ₹383.99 Cr | 42.0% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹76.98 Cr | 19.9% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹517.00 Cr | 19.1% |
About the AMC
Total AUM
₹10,76,433 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 Regular Growth?
The NAV of SBI Retirement Benefit Fund - Conservative Plan Regular Growth, as of 06-Sep-2024, is ₹13.65.
What are the returns of SBI Retirement Benefit Fund - Conservative Plan Regular Growth?
The fund has generated 12.00% over the last 1 year and 8.63% 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 Regular Growth?
The fund's allocation of assets is distributed as 19.50% in equities, 77.48% in bonds, and 3.02% in cash and cash equivalents.
Who manages the SBI Retirement Benefit Fund - Conservative Plan Regular Growth?
The fund managers responsible for SBI Retirement Benefit Fund - Conservative Plan Regular 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 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 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.