SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl
Get the latest NAV of SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl. 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.
₹14.42
1D
NAV as on 20 Mar 2026
7.4%/per year
Since Inception
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SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl Performance vs. Retirement Index
Fund returns vs Benchmark returns vs Category Average returns as on (20-Mar-26)
The fund has outperformed the benchmark (Retirement Index) over 3Y, 5Y, but underperformed over 1Y.
Peer comparison
SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl Returns Calculator
Calculate SIP and lumpsum returns based on historical performance
Total Investment
0
Profit
Total Corpus
0
SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl Asset Allocation
See fund asset allocation details as on (14-Mar-26)
Fund Distribution
as on (14-Mar-26)
SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl Sector Allocation
See fund sector allocation details as on (14-Mar-26)
Sector Allocation
Top 3 Sectors in February were Government, Corporate & Financial Services
Government
42%
Corporate
36%
Financial Services
31%
Government
54%
Corporate
34%
Financial Services
30%
SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl Holdings Details
as on (28-Feb-26)
SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl Overview
Get key fund statistics, minimum investment details, AUM, expense ratio, exit load, and tax treatment.
| Expense ratio | 0.91% |
Benchmark | CRISIL Hybrid 85+15 - ConservativeTR INR |
| AUM | ₹162 Cr |
| Inception Date | 17 February, 2021 |
| Min Lumpsum/SIP | ₹5,000/₹500 |
| Exit Load | 0% |
| Lock In | 5 Years |
TurnOver | 141.33% |
| Risk |   Moderately High risk |
About SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl
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 Ardhendu Bhattacharya, Rohit Shimpi. This fund gives you the benefit of diversification.
Key Parameters
- SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl has ₹162 Cr worth of assets under management (AUM) as on Mar 2026 and is more than category average.
- 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 7.40% since inception. Over the last 1, 3 and 5 years the fund has given a CAGR return of 2.61%, 7.85% and 7.54% respectively.
Holdings
SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl has allocated its funds majorly in Government, Corporate, Financial Services, Consumer Cyclical, Industrial, Cash Equivalent, Basic Materials, Tech, Energy, 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 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 Manager
Ardhendu Bhattacharya
Fund Manager of SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl, since 1 June 2021
Rohit Shimpi
Fund Manager of SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl, since 31 October 2021
- AUM of the fund stands at 162.1 Cr as of Feb'26
- AUM decreased by 9.9 Cr between Feb'26 and Jan'26
Frequently Asked Questions for SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl
How do I invest in SBI Retirement Benefit Fund - Conservative Plan Direct Payout of Income Dist cum cap wdrl?
- Download the INDmoney app.
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- Set up payments via bank mandate or UPI.