SBI Retirement Benefit Fund Conservative Plan
Direct · Growth ₹14.91
02 Nov 2026
NAV
8.7%
3Y CAGR
7.3%
5Y CAGR
7.8%
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.
2.03
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.
0.92%
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 | ₹12.41 L | 7.3% | -6.6% | 16.7% |
| 3 Years | ₹36.00 L | ₹41.09 L | 8.4% | 3.0% | 12.4% |
| 5 Years | ₹60.00 L | ₹70.85 L | 6.8% | 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 | 7.3% | 14.3% | 6.8% | -7.0% |
| 3 Years | 8.4% | 11.0% | 12.9% | -2.6% |
| 5 Years | 6.8% | 10.4% | 13.3% | -3.6% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 7.5% | 7.2% | -1.1% | 14.2% | 0.27 | 0.49 | 98% | — | — |
| 3 Years | 8.7% | 8.9% | 6.2% | 11.3% | 1.96 | 65.05 | 100% | — | — |
| 5 Years | 7.3% | 7.4% | 6.5% | 8.1% | 2.03 | — | 100% | — | — |
-4.4%
Max Drawdown
3 mo
Drawdown Duration
3 mo
Recovery Time
-0.6%
Avg Drawdown
Calmar Ratio by Duration
1.69
1Y
1.96
3Y
1.64
5Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -0.89 | 0.27 | 27.2% | 22.7% | 0.9% | -10.9% |
| 3 Years | -0.07 | 0.23 | 25.0% | 18.6% | 6.4% | 6.4% |
| 5 Years | +0.38 | 0.20 | 22.9% | 16.2% | 6.6% | 5.2% |
| 7 Years | -0.69 | 0.19 | 21.7% | 14.8% | 5.8% | 6.2% |
| 10 Years | -2.09 | 0.19 | 21.7% | 14.8% | 4.0% | 4.3% |
| 12 Years | -2.63 | 0.19 | 21.7% | 14.8% | 3.3% | 3.6% |
| 15 Years | -3.17 | 0.19 | 21.7% | 14.8% | 2.6% | 2.9% |
52
Total Holdings
7.0%
Top 10 Weight
22
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd. | 1.24% |
| 2 | ICICI Bank Ltd. | 1.17% |
| 3 | Larsen & Toubro Ltd. | 0.79% |
| 4 | State Bank of India | 0.74% |
| 5 | Maruti Suzuki India Ltd. | 0.59% |
| 6 | Ultratech Cement Ltd. | 0.57% |
| 7 | Kotak Mahindra Bank Ltd. | 0.51% |
| 8 | Lenskart Solutions Ltd. | 0.47% |
| 9 | Urban Company Ltd. | 0.46% |
| 10 | Bajaj Finance Ltd. | 0.45% |