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SBI Retirement Benefit Fund Conservative Hybrid
Get the latest NAV of SBI Retirement Benefit Fund Conservative Hybrid. View historical returns compared to its benchmark and category average. Know which stocks and sectors the fund is investing in. Get an estimate of returns from the SIP and lump sum returns calculator. View detailed holding analysis and peer comparison. Get INDmoney ranking of the fund.
₹16.06
▲1.2%1D
NAV as on 03 Feb 2026
9.89%/per year
Since Inception
▲▼
92 people have invested ₹ 1.7L in SBI Retirement Benefit Fund Conservative Hybrid in the last three months
SBI Retirement Benefit Fund Conservative Hybrid Performance vs. Retirement Index
Fund returns vs Benchmark returns vs Category Average returns as on (03-Feb-26)
The fund has outperformed the benchmark (Retirement Index) over 1Y, 3Y, but underperformed over 5Y.
Peer comparison
SBI Retirement Benefit Fund Conservative Hybrid Returns Calculator
Calculate SIP and lumpsum returns based on historical performance
Total Investment
0
Profit
Total Corpus
0
SBI Retirement Benefit Fund Conservative Hybrid Asset Allocation
See fund asset allocation details as on (14-Jan-26)
Fund Distribution
as on (14-Jan-26)
SBI Retirement Benefit Fund Conservative Hybrid Sector Allocation
See fund sector allocation details as on (14-Jan-26)
Sector Allocation
Top 3 Sectors in December were Government, Corporate & Financial Services
Government
66%
Corporate
29%
Financial Services
29%
Government
66%
Corporate
29%
Financial Services
27%
SBI Retirement Benefit Fund Conservative Hybrid Holdings Details
as on (31-Jan-26)
SBI Retirement Benefit Fund Conservative Hybrid Overview
Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.
| Expense ratio | 1.16% |
Benchmark | CRISIL Hybrid 65+35 Conservative TR INR |
| AUM | ₹284 Cr |
| Inception Date | 17 February, 2021 |
| Min Lumpsum/SIP | ₹5,000/₹500 |
| Exit Load | 0% |
| Lock In | 5 Years |
TurnOver | 98.54% |
| Risk |   Moderately High risk |
About SBI Retirement Benefit Fund Conservative Hybrid
SBI Retirement Benefit Fund Conservative Hybrid is a hybrid fund. This fund was started on 17 February, 2021. The fund is managed by Ardhendu Bhattacharya, Rohit Shimpi. This fund gives you the benefit of diversification.
Key Parameters
- SBI Retirement Benefit Fund Conservative Hybrid has ₹284 Cr worth of assets under management (AUM) as on Jan 2026 and is more than category average.
- The fund has an expense ratio 1.2.
Returns
SBI Retirement Benefit Fund Conservative Hybrid has given a CAGR return of 9.89% since inception. Over the last 1 and 3 years the fund has given a CAGR return of 5.42% and 9.77% respectively.
Holdings
SBI Retirement Benefit Fund Conservative Hybrid has allocated its funds majorly in Government, Financial Services, Corporate, Consumer Cyclical, Industrial, Basic Materials, Tech, Energy, Cash Equivalent, Health, Real Estate, Utilities, Consumer Defensive.
Taxation
As it is a retirement mutual fund the taxation is as follows:If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:For short term (less than a year) capital gains will be taxed at 20%For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefitLong term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).
Investment objective of SBI Retirement Benefit Fund Conservative Hybrid
The investment objective of the scheme is to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes. However, there can be no assurance that the investment objective of the Scheme will be realized.
Minimum Investment and lockin period
Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 500.00. There is a lock in period for SBI Retirement Benefit Fund Conservative Hybrid of 5 Years
Fund Manager
Ardhendu Bhattacharya
Fund Manager of SBI Retirement Benefit Fund Conservative Hybrid, since 1 June 2021
Rohit Shimpi
Fund Manager of SBI Retirement Benefit Fund Conservative Hybrid, since 31 October 2021
- AUM of the fund stands at 284.4 Cr as of Dec'25
- AUM decreased by 3 Cr between Dec'25 and Nov'25
Frequently Asked Questions for SBI Retirement Benefit Fund Conservative Hybrid
How do I invest in SBI Retirement Benefit Fund Conservative Hybrid?
- Download the INDmoney app.
- Search for ‘SBI Retirement Benefit Fund Conservative Hybrid’.
- Select whether you want to invest in SIP or lump sum.
- Enter the amount you wish to invest.
- Set up payments via bank mandate or UPI.