Mutual Funds

SBI Retirement Benefit Fund-Conservative Plan-Reg(G)
Other | Moderate | Solution Oriented - Retirement Fund - Debt

14.23 -0.08
NAV(₹) as on 2/2/2026

-0.54%
1D

3.66%
1Y

7.75%
3Y

-
5Y

SBI Retirement Benefit Fund-Conservative Plan-Reg(G)
Growth Chart of the Scheme

Scheme Details
Expense Ratio: 1.38	Launch Date: 10 Feb 2021
Exit Load: Nil	AUM: ₹ 174.34 Crs
Lock-in: 5 Year	Investing Style: NA
Portfolio Price To Book Value: NA	Min. Investment: SIP : ₹ 1,000.0 Lumpsum : ₹ 5,000.0
Scheme Benchmark: NA
Fund Manager: Rohit Shimpi ,Ardhendu Bhattacharya

FUND OBJECTIVE

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.

LATEST ASSET & PORTFOLIO ALLOCATION		Others		Equity		Debt
as on 31/12/2025		7.82 %		19.14 %		73.04 %

TOP HOLDINGS

07.09% GOI - 05-Aug-2054

16.82 %

06.90% GOI - 15-Apr-2065

16.24 %

06.48% GOI 06-Oct-2035

8.53 %

Tri-Party Repo (TREPS)

6.28 %

Bharat Sanchar Nigam Ltd. SR-II 7.72% (22-Dec-2032)

5.89 %

Summit Digitel Infrastructure Pvt Ltd. 07.58% (30-Oct-2031)

4.36 %

06.33% GOI - 05-May-2035

4.22 %

Torrent Power Ltd. SR-11 TR-11-B 08.50% (07-Jun-2032)

2.99 %

Rural Electrification Corpn Ltd SR-218 07.69% (31-Jan-2033)

2.94 %

Sundaram Finance Ltd. SR-Y3 8.23% (05-Jul-2034)

2.93 %

See All Holding

ALLOCATION BY MARKET CAP (Equity)

ALLOCATION BY RATING (Debt & Others)

ALLOCATION BY SECTOR

Bank - Private

3.78 %

IT - Software

1.43 %

Refineries

1.25 %

Engineering - Construction

0.81 %

Automobiles - Passenger Cars

0.80 %

See All Sectors

PORTFOLIO CHARACTERISTICS (Debt)

Average Maturity

Modified Duration

Yield to Maturity

17.71 (in years)

8.01 (in years)

7.18 %

5 YEAR HISTORY

Financial Year	2021-22	2022-23	2023-24	2024-25	2025-26
NAV (30/1/2026)	10.87	11.44	12.91	13.88	14.30
Net Assets (Rs Crores)	14,494.79	15,196.37	16,956.24	17,548.37	17,433.8
Scheme Returns(%)(Absolute)	7.34	4.86	12.74	7.48	2.67
B'mark Returns(%)(Absolute)	NA	NA	NA	NA	NA
Category Rank	14/26	3/27	24/28	10/30	29/30

RISKOMETER
Level of Risk in the Scheme

Clients will understand that their principal will be at Moderate risk.

PERFORMANCE COMPARISON WITH SIMILAR SCHEMES

Fund Details	Inception Date	Aum(₹ Crs)	1Y	3Y	5Y	Since Inception
Aditya Birla SL Retirement Fund-50 Plus-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 13.35 +-0.02	11/3/2019	₹ 16.75	4.16%	5.11%	4.02%	4.28%
ICICI Pru Retirement Fund-Pure Debt Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 15.28 +-0.03	27/2/2019	₹ 91.0	4.94%	6.12%	5.04%	6.31%
Nippon India Retirement Fund-Income Generation(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 19.94 +-0.15	11/2/2015	₹ 148.78	2.08%	7.56%	5.85%	6.49%
SBI Retirement Benefit Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 14.23 +-0.08	10/2/2021	₹ 174.34	3.66%	7.75%	-	7.34%
Aditya Birla SL Retirement Fund-50-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 14.72 +-0.05	11/3/2019	₹ 26.49	6.01%	8.04%	5.62%	5.76%
Tata Retirement Sav Fund - Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 31.48 +-0.21	8/11/2011	₹ 172.98	3.66%	8.11%	6.21%	8.38%
HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 21.74 +-0.06	25/2/2016	₹ 161.49	4.62%	8.23%	7.35%	8.12%
SBI Retirement Benefit Fund-Conservative Hybrid Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.39 +-0.08	10/2/2021	₹ 284.45	3.34%	8.91%	-	9.04%
Axis Retirement Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.95 +-0.11	20/12/2019	₹ 53.22	3.42%	9.43%	6.65%	7.92%
Franklin India Retirement Fund(G) Solution Oriented - Retirement Fund - Debt \| High \| 217.60 +-1.12	30/4/1997	₹ 517.39	4.24%	9.97%	8.04%	11.26%