SBI Retirement Benefit Fund Conservative Hybrid Plan
Direct · Growth ₹16.47
18 Aug 2026
NAV
10.6%
3Y CAGR
8.9%
5Y CAGR
9.5%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
5.50
Sharpe
-6.9%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
1.15%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.46 L | 8.8% | -10.2% | 22.6% |
| 3 Years | ₹36.00 L | ₹41.91 L | 10.1% | 1.9% | 16.1% |
| 5 Years | ₹60.00 L | ₹72.25 L | 7.6% | 5.7% | 9.4% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 8.8% | 14.4% | 11.7% | -5.7% |
| 3 Years | 10.1% | 11.1% | 12.6% | -1.0% |
| 5 Years | 7.6% | 10.4% | 12.4% | -2.8% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 9.1% | 7.9% | -1.6% | 19.1% | 0.48 | 1.25 | 97% | — | — |
| 3 Years | 10.6% | 10.5% | 7.2% | 13.7% | 2.65 | — | 100% | — | — |
| 5 Years | 8.9% | 8.8% | 8.3% | 10.0% | 5.50 | — | 100% | — | — |
-6.9%
Max Drawdown
3 mo
Drawdown Duration
3 mo
Recovery Time
-1.2%
Avg Drawdown
Calmar Ratio by Duration
1.33
1Y
1.54
3Y
1.30
5Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +1.38 | 0.45 | 45.2% | 39.1% | 3.7% | -2.9% |
| 3 Years | +1.03 | 0.40 | 41.9% | 35.4% | 8.0% | 7.8% |
| 5 Years | +1.59 | 0.37 | 39.3% | 32.3% | 8.6% | 7.8% |
| 7 Years | +0.64 | 0.35 | 38.2% | 30.7% | 7.3% | 6.9% |
| 10 Years | -0.85 | 0.35 | 38.2% | 30.7% | 5.0% | 4.8% |
| 12 Years | -1.42 | 0.35 | 38.2% | 30.7% | 4.2% | 4.0% |
| 15 Years | -1.98 | 0.35 | 38.2% | 30.7% | 3.3% | 3.2% |
52
Total Holdings
15.3%
Top 10 Weight
23
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd. | 2.71% |
| 2 | ICICI Bank Ltd. | 2.44% |
| 3 | Larsen & Toubro Ltd. | 1.71% |
| 4 | State Bank of India | 1.54% |
| 5 | Maruti Suzuki India Ltd. | 1.48% |
| 6 | Ultratech Cement Ltd. | 1.23% |
| 7 | Bajaj Finance Ltd. | 1.16% |
| 8 | Axis Bank Ltd. | 1.08% |
| 9 | Infosys Ltd. | 1.00% |
| 10 | Kotak Mahindra Bank Ltd. | 0.97% |