SBI Retirement Benefit Fund Conservative Plan
Direct · Growth ₹15.09
06 Jul 2026
NAV
8.9%
3Y CAGR
7.4%
5Y CAGR
8.0%
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.
3.05
Sharpe
-4.4%
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.
NA
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 | ₹12.43 L | 7.5% | -6.6% | 16.7% |
| 3 Years | ₹36.00 L | ₹41.19 L | 8.8% | 3.0% | 12.4% |
| 5 Years | ₹60.00 L | ₹71.06 L | 6.9% | 5.5% | 8.1% |
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 | 7.5% | 14.5% | 11.7% | -6.9% |
| 3 Years | 8.8% | 11.2% | 12.7% | -2.4% |
| 5 Years | 6.9% | 10.4% | 12.4% | -3.5% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 7.8% | 7.6% | -1.1% | 14.2% | 0.35 | 0.69 | 98% | — | — |
| 3 Years | 8.9% | 9.0% | 6.6% | 11.3% | 2.47 | — | 100% | — | — |
| 5 Years | 7.4% | 7.4% | 7.0% | 8.1% | 3.05 | — | 100% | — | — |
-4.4%
Max Drawdown
3 mo
Drawdown Duration
3 mo
Recovery Time
-0.5%
Avg Drawdown
Calmar Ratio by Duration
1.75
1Y
2.00
3Y
1.67
5Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -1.73 | 0.28 | 28.1% | 24.2% | 3.0% | 0.2% |
| 3 Years | +0.31 | 0.23 | 25.4% | 18.3% | 7.3% | 8.5% |
| 5 Years | +0.47 | 0.20 | 22.7% | 15.8% | 7.5% | 9.0% |
| 7 Years | -0.65 | 0.19 | 21.9% | 14.6% | 6.0% | 7.3% |
| 10 Years | -2.07 | 0.19 | 21.9% | 14.6% | 4.2% | 5.1% |
| 12 Years | -2.61 | 0.19 | 21.9% | 14.6% | 3.5% | 4.2% |
| 15 Years | -3.16 | 0.19 | 21.9% | 14.6% | 2.8% | 3.4% |
51
Total Holdings
7.6%
Top 10 Weight
23
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd. | 1.44% |
| 2 | ICICI Bank Ltd. | 1.20% |
| 3 | Larsen & Toubro Ltd. | 0.82% |
| 4 | State Bank of India | 0.80% |
| 5 | Maruti Suzuki India Ltd. | 0.76% |
| 6 | Axis Bank Ltd. | 0.60% |
| 7 | Ultratech Cement Ltd. | 0.55% |
| 8 | Kotak Mahindra Bank Ltd. | 0.51% |
| 9 | Bajaj Finance Ltd. | 0.49% |
| 10 | Infosys Ltd. | 0.48% |