SBI Retirement Benefit Fund Conservative
The scheme seeks to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes.
Growthvine rating: 3/5 — ranked #5 of 11 in category.
Fund basics
| Category | Solution: Retirement Debt |
|---|---|
| NAV | ₹14.50 (as of 2026-10-01) |
| AUM | ₹140 Cr |
| Expense ratio | 1.19% |
| Riskometer | Moderately High |
| Fund manager | Rohit Shimpi |
| Exit load | 0 |
Performance & risk
| 5-year annualised return | 6.29% |
|---|---|
| Sharpe ratio | 0.15 |
| Standard deviation | 4.82% |
| Max drawdown | −4.55% |
| Alpha | 0 |
| Beta | 0 |
Over 5 years, captured 34.4% of Nifty 500's upside and 16.0% of its downside.
Market cap allocation
Concentration
Top holdings
Not disclosed.
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|---|---|---|
| 2026 (partial) | 0.5% | Q2 | #4 of 10 |
| 2025 | 5.1% | Q2 | #4 of 10 |
| 2024 | 9.0% | Q3 | #8 of 10 |
| 2023 | 11.3% | Q3 | #6 of 10 |
| 2022 | 4.9% | Q1 (Top) | #2 of 10 |