SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl

Hybrid
Direct
Retirement
SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl

About the Fund

SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl is a hybrid fund. This fund was started on 17 February, 2021. The fund is managed by Dinesh Ahuja, Mohit Jain, Ardhendu Bhattacharya. This fund gives you the benefit of diversification.

Key Parameters

  1. SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl has ₹174 Cr worth of assets under management (AUM) as on Jun 2024 and is less than category average.
  2. The fund has an expense ratio 0.9.

Returns

SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl has given a CAGR return of 9.55% since inception. Over the last 1 and 3 years the fund has given a CAGR return of 12.33% and 9.28% respectively.

Holdings

SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl has allocated its funds majorly in Government, Financial Services, Corporate, Consumer Cyclical, Industrial, Basic Materials, Tech, Cash Equivalent, Health, Energy, 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 15%
For long term (more than 1 year) capital gains will be taxed at 10% without indexation benefit
Gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl

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 Plan Direct Payout of Income Dist cum cap wdrl of 5 Years

Fund Performance
zero opening, trading, fund transfer fee
3 people have invested ₹ 3K in SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl in the last three months

Fund Overview

Expense ratio0.92%
Benchmark
CRISIL Hybrid 85+15 - ConservativeTR INR
AUM₹174 Cr
Inception Date17 February, 2021
Min Lumpsum/SIP₹5000/₹500
Exit Load0%
Lock In5 Years
TurnOver
635%
Risk
Risk meter
pointer
Moderately High risk

Fund Distribution
as on (30-Jun-24)

  • Equity 19.5%

  • Debt & Cash 80.5%

Sector Allocation

Jun'24

May'24

Apr'24

Financial Services
30.7%
Consumer Cyclical
23.2%
Industrial
21.8%
Basic Materials
6.8%
Tech
6.8%
Health
4.3%
Energy
3.3%
Utilities
2.1%
Consumer Defensive
1%
All changes are between Oct'69 and Dec'69

Dinesh Ahuja
Dinesh Ahuja
Fund Manager of SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl, since 17 February 2021
Mohit Jain
Mohit Jain
Fund Manager of SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl, since 31 October 2021
Ardhendu Bhattacharya
Ardhendu Bhattacharya
Fund Manager of SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl, since 1 July 2021
Top funds managed
Scheme
Annualised Returns(3Y)
Category Returns(3Y)
SBI Floating Rate Debt Fund Direct Growth
6.33%
5.58%

SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl Highlights

Risk meter
pointer

Moderately High risk

Investors understand that their principal will be at Moderately High risk
About the fund

About the fund

This fund has delivered an average annual returns of 9.55% since inception which is less than its category average return of 12.79%
Fund Allocations

Fund Allocations

This fund has an allocation of 19.51% in Equity, 77.06% in Debt and 3.42% in Cash related instruments
AUM size ₹174 Cr

AUM size ₹174 Cr

This fund has AUM of ₹174 Cr which is less than its category average of ₹ 771 Cr
Expense Ratio 0.92%

Expense Ratio 0.92%

This fund has an expense ratio of 0.92% which is less than its category average expense ratio of 1.51%

Frequently Asked Questions

The current NAV of SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl is ₹13.68 as on 15-Jul-2024.
Existing (Absolute + CAGR) as on 15-Jul-2024.
SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl
Absolute Returns
CAGR Returns
1 Month Returns
1.02%
1.02%
6 Month Returns
6.59%
6.59%
1 Year Returns
12.33%
12.33%
3 Years Returns
30.49%
9.28%
5 Years Returns
0%
0%
With INDmoney, the process of investing is very simple and involves zero commission.
  • Click Buy on the fund name.
  • Input the amount you are looking to invest.
  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.92% as on June 2024
₹174 Cr as on June 2024
7.25% Govt Stock 2063(20.47%), 7.1% Govt Stock 2034(18.75%), 8.34% Govt Stock 2033(7.32%), 7.34% Govt Stock 2064(5.92%), Bharat Sanchar Nigam Limited(5.79%) as on June 2024
Government(53.91%), Corporate(23.15%), Financial Services(5.99%) as on June 2024
AAA
88.5
AA
11.5
Dinesh Ahuja, Mohit Jain, Ardhendu Bhattacharya are the fund managers of SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl
The Exit load of SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl is 0%