SBI Retirement Benefit Fund Conservative Hybrid Plan
Direct · Growth ₹15.88
26 Oct 2026
NAV
10.4%
3Y CAGR
8.6%
5Y CAGR
9.2%
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.
2.96
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 | ₹12.45 L | 8.5% | -10.2% | 22.6% |
| 3 Years | ₹36.00 L | ₹41.61 L | 9.7% | 1.8% | 16.1% |
| 5 Years | ₹60.00 L | ₹72.05 L | 7.4% | 5.5% | 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 | 8.5% | 14.3% | 6.8% | -5.7% |
| 3 Years | 9.7% | 11.0% | 12.9% | -1.3% |
| 5 Years | 7.4% | 10.4% | 13.3% | -2.9% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 8.8% | 7.7% | -2.2% | 19.1% | 0.43 | 1.03 | 97% | — | — |
| 3 Years | 10.4% | 10.4% | 6.2% | 13.7% | 2.19 | 153.53 | 100% | — | — |
| 5 Years | 8.6% | 8.7% | 6.8% | 10.0% | 2.96 | — | 100% | — | — |
-6.9%
Max Drawdown
3 mo
Drawdown Duration
3 mo
Recovery Time
-1.2%
Avg Drawdown
Calmar Ratio by Duration
1.29
1Y
1.51
3Y
1.25
5Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -0.27 | 0.44 | 43.7% | 39.6% | -2.2% | -12.7% |
| 3 Years | +0.15 | 0.39 | 41.0% | 35.8% | 6.2% | 5.4% |
| 5 Years | +1.14 | 0.37 | 39.0% | 32.8% | 6.9% | 4.5% |
| 7 Years | +0.38 | 0.35 | 38.0% | 31.1% | 6.7% | 5.9% |
| 10 Years | -1.02 | 0.35 | 38.0% | 31.1% | 4.6% | 4.1% |
| 12 Years | -1.56 | 0.35 | 38.0% | 31.1% | 3.8% | 3.4% |
| 15 Years | -2.10 | 0.35 | 38.0% | 31.1% | 3.1% | 2.7% |
52
Total Holdings
14.2%
Top 10 Weight
22
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd. | 2.54% |
| 2 | ICICI Bank Ltd. | 2.31% |
| 3 | Larsen & Toubro Ltd. | 1.58% |
| 4 | State Bank of India | 1.49% |
| 5 | Maruti Suzuki India Ltd. | 1.18% |
| 6 | Ultratech Cement Ltd. | 1.17% |
| 7 | Kotak Mahindra Bank Ltd. | 1.07% |
| 8 | Urban Company Ltd. | 1.02% |
| 9 | JSW Infrastructure Ltd. | 0.95% |
| 10 | Bajaj Finance Ltd. | 0.92% |