Sharpe ratio
0.50Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.28%1Y Absolute Return
-0.25%1D
Loading NAV history…
Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - GrowthFund 5Y annualised return | ₹8,79,393 | ₹7,32,612 | ₹1,46,781 | +7.54% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.09
₹1 Lakh since launch₹1.09 Lakh
Fund age5.7 yrs
Fund information
Scheme code148690
ISININF200KA1T70
BenchmarkCRISIL Hybrid 65+35 Conservative
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.24%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
33rd / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +58.49% | — | — |
| 3M | +3.80% | — | — |
| 6M | +11.89% | — | — |
| 1Y | +3.28% | — | +1.16% |
| 3Y | +7.70% | — | +8.74% |
| 5Y | +7.54% | — | +7.27% |
| Since Launch | +9.22% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.71Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
6.71%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
1.34How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt58.16%
Equity39.18%
Cash2.66%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 72 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| CENTRAL GOVERNMENT LOAN 20388 GOI 07DC31 FLT FV RS 100 | Entities | GOI Securities | 10.01% |
| STATE DEVELOPMENT LOAN 37475 TN 03JU36 7.74 FV RS 100 | Unspecified | State Development Loan | 7.94% |
| GOVERNMENT OF INDIA 35840 GOI 15AP65 6.9 FV RS 100 | Entities | GOI Securities | 7.24% |
| BHARAT SANCHAR NIGAM LIMITED SR II TR A 7.72 LOA 22DC32 FVRS10LAC | Technology | Debenture | 3.95% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26F 7.44 BD 17JL29 FVRS1LAC | Financial | Bonds | 3.92% |
| 7.09% GOI 25-Nov-74 | Entities | GOI Securities | 3.69% |
| HDFC Bank Ltd | Financial | Equity | 2.98% |
| SUMMIT DIGITEL INFRASTRUCTURE LIMITED 7.58 NCD 30OT31 FVRS1LAC | Technology | Debenture | 2.94% |
| ICICI Bank Ltd | Financial | Equity | 2.32% |
| TORRENT POWER LIMITED SR 11 TR 11B 8.5 NCD 07JU32 FVRS1LAC | Energy & Utilities | Debenture | 2.01% |
Fund management
AR
Ardhendu Bhattacharya
Since 2021 · Prior to joining SBI Mutual Fund, he has worked with ICICI Bank and Citibank.
Mr. Bhattacharya is a MBA (Marketing) and Bachelor of Engineering.
RO
Rohit Shimpi
Since 2021 · Prior to joining SBI Mutual Fund, he has worked with CNBC TV18, JP Morgans offshore research centre and HDFC Standard Life Insurance.
Mr. Shimpi is a B. Com., PGDBM (Finance), CFA.
PR
Pradeep Kesavan
Since 2023 · Prior to joining SBI MF, he has worked with Elara Capital, Accenture Strategy, Morgan Stanley and 3i Infotech
Mr. Kesavan has done B.Com, MBA (Finance) and CFA
Compare similar funds
No comparable category funds are available yet.
Summary
A high-risk solution oriented scheme - retirement fund. Ahead of its category average over 5Y by 0.3 points. Trailing its category average over 3Y by 1.0 points.
Strengths
- Ahead of its category average over 5Y by 0.3 points.
- Losses and swings stayed contained — worst fall -6.9%, volatility 6.7%.
- Recovered from its worst fall in 3 months.
- Well spread out — top 10 holdings are only 13% of the portfolio.
- Same fund manager for 5+ years — the strategy has not chopped and changed.
Weaknesses
- Trailing its category average over 3Y by 1.0 points.
Ideal investor
- Needs a 3+ years horizon to ride out its high risk level.
Risk drivers
- None