Mutual Funds

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

14.13 -0.03
NAV(₹) as on 29/8/2025

-0.19%
1D

3.56%
1Y

8.39%
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: ₹ 176.7 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 31/7/2025		4.11 %		19.56 %		76.33 %

TOP HOLDINGS

07.09% GOI - 05-Aug-2054

19.96 %

07.74% Karnataka SDL - 10-Jan-2036

14.96 %

07.12% Maharashtra SDL - 05-Feb-2036

7.17 %

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

5.89 %

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

4.33 %

06.33% GOI - 05-May-2035

4.23 %

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 %

Power Finance Corporation Ltd. SR-BS227B 7.77% (15-Apr-2028)

2.90 %

See All Holding

ALLOCATION BY MARKET CAP (Equity)

ALLOCATION BY RATING (Debt & Others)

ALLOCATION BY SECTOR

Bank - Private

4.26 %

IT - Software

1.88 %

Refineries

1.19 %

Pharmaceuticals & Drugs

0.89 %

Auto Ancillary

0.87 %

See All Sectors

PORTFOLIO CHARACTERISTICS (Debt)

Average Maturity

Modified Duration

Yield to Maturity

13.16 (in years)

7.4 (in years)

7.08 %

5 YEAR HISTORY

Financial Year	2020-21	2021-22	2022-23	2023-24	2024-25
NAV (31/3/2025)	10.09	10.87	11.44	12.91	13.88
Net Assets (Rs Crores)	12,984.0	14,494.79	15,196.37	16,956.24	17,548.37
Scheme Returns(%)(Absolute)	0.92	7.34	4.86	12.74	7.48
B'mark Returns(%)(Absolute)	NA	NA	NA	NA	NA
Category Rank	28/29	14/26	3/27	24/28	10/30

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 \| 13.18 +-0.02	11/3/2019	₹ 17.43	5.16%	5.24%	4.05%	4.35%
ICICI Pru Retirement Fund-Pure Debt Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 15.07 +-0.03	27/2/2019	₹ 101.88	6.21%	6.27%	5.32%	6.50%
Tata Retirement Sav Fund - Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 31.35 +-0.06	8/11/2011	₹ 177.52	1.97%	8.04%	7.47%	8.61%
Aditya Birla SL Retirement Fund-50-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 14.47 +-0.02	11/3/2019	₹ 26.28	4.11%	8.14%	5.56%	5.88%
Axis Retirement Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.64 +-0.08	20/12/2019	₹ 56.24	0.03%	8.29%	8.50%	8.16%
SBI Retirement Benefit Fund-Conservative Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderate \| 14.13 +-0.03	10/2/2021	₹ 176.7	3.56%	8.39%	-	7.89%
Nippon India Retirement Fund-Income Generation(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 19.90 +-0.07	11/2/2015	₹ 154.35	1.97%	8.45%	7.04%	6.74%
HDFC Retirement Savings Fund-Hybrid-Debt Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 21.43 +-0.03	25/2/2016	₹ 162.33	2.80%	8.62%	8.54%	8.34%
SBI Retirement Benefit Fund-Conservative Hybrid Plan-Reg(G) Solution Oriented - Retirement Fund - Debt \| High \| 15.33 +-0.03	10/2/2021	₹ 284.2	1.03%	9.58%	-	9.84%
ICICI Pru Retirement Fund-Hybrid Cons Plan(G) Solution Oriented - Retirement Fund - Debt \| Moderately High \| 17.20 +-0.06	27/2/2019	₹ 82.49	5.00%	10.25%	8.67%	8.69%