SBI Retirement Benefit Fund Conservative Plan
Direct · Growth ₹15.08
18 Aug 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.
3.19
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 | ₹12.43 L | 7.5% | -6.6% | 16.7% |
| 3 Years | ₹36.00 L | ₹41.17 L | 8.7% | 3.0% | 12.4% |
| 5 Years | ₹60.00 L | ₹71.14 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% | 14.4% | 11.7% | -6.9% |
| 3 Years | 8.7% | 11.1% | 12.6% | -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% | 7.5% | -1.1% | 14.2% | 0.34 | 0.66 | 98% | — | — |
| 3 Years | 8.9% | 9.0% | 6.6% | 11.3% | 2.41 | — | 100% | — | — |
| 5 Years | 7.4% | 7.4% | 7.0% | 8.1% | 3.19 | — | 100% | — | — |
-4.4%
Max Drawdown
3 mo
Drawdown Duration
3 mo
Recovery Time
-0.5%
Avg Drawdown
Calmar Ratio by Duration
1.74
1Y
2.00
3Y
1.67
5Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -0.14 | 0.28 | 28.4% | 23.0% | 3.7% | -2.9% |
| 3 Years | +0.52 | 0.23 | 25.7% | 18.3% | 7.3% | 7.8% |
| 5 Years | +0.60 | 0.20 | 22.9% | 15.8% | 7.4% | 7.8% |
| 7 Years | -0.58 | 0.19 | 21.9% | 14.6% | 6.0% | 6.9% |
| 10 Years | -2.02 | 0.19 | 21.9% | 14.6% | 4.2% | 4.8% |
| 12 Years | -2.57 | 0.19 | 21.9% | 14.6% | 3.5% | 4.0% |
| 15 Years | -3.12 | 0.19 | 21.9% | 14.6% | 2.8% | 3.2% |
52
Total Holdings
7.7%
Top 10 Weight
23
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd. | 1.33% |
| 2 | ICICI Bank Ltd. | 1.24% |
| 3 | State Bank of India | 0.82% |
| 4 | Larsen & Toubro Ltd. | 0.80% |
| 5 | Maruti Suzuki India Ltd. | 0.73% |
| 6 | Ultratech Cement Ltd. | 0.60% |
| 7 | Axis Bank Ltd. | 0.56% |
| 8 | Infosys Ltd. | 0.55% |
| 9 | Kotak Mahindra Bank Ltd. | 0.52% |
| 10 | Bajaj Finance Ltd. | 0.52% |