SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth

Moderately High risk

NAV (15 Oct ’26)

₹15.54

Min SIP Amount

₹500.00

Fund Size (AUM)

₹247.94 Cr

▲ 5.82%3Y Annualized

-0.28%1D Returns

NAV (15 Oct ’26)

₹15.54

Min SIP Amount

₹500.00

Fund Size (AUM)

₹247.94 Cr

Mutual Fund SIP Calculator

Amount I want to invest

₹

/Month

₹100₹10L

Time I want to invest for

Years

1Y40Y

Your expected Annual returns %

1%30%

Step Up

% /Year

0%25%

Invested Amount₹68.73 Lakh

Approx Profit₹1.3 Cr

Estimated Returns₹1.99 Cr

Invested

Estimated Returns

About SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth is a mutual fund scheme from SBI Funds Management Ltd. The fund was launched on 17 February 2021 and is managed by Rohit Shimpi and Ardhendu Bhattacharya. As of 15 October 2026, the fund has an AUM of ₹247.94 Cr and its latest NAV is ₹15.54. The fund has a Moderately High risk risk rating.

The fund allows minimum SIP of ₹500 and lumpsum investment starting from ₹5,000.

The fund primarily invests in Financial Services, Consumer Cyclical, and Industrials and its top holdings include 6.64% Govt Stock 2031, Deutsche Bank AG, Tamil Nadu (Government of) 7.74%, 6.9% Govt Stock 2065, and 6.94% Govt Stock 2036. The fund has delivered -0.6% returns over the last 1 year, 5.8% annualised returns over 3 years, 6.4% annualised returns over 5 years, and 8.0% annualised returns since inception.

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth may be suitable for investors looking for long-term wealth creation and who are comfortable with Moderately High risk risk.

Top 10 Holdings

Name	Sector	Value	Weighting
6.64% Govt Stock 2031	--	₹25.73 Cr	10.38%
Deutsche Bank AG	--	₹25.00 Cr	10.08%
Tamil Nadu (Government of) 7.74%	--	₹20.14 Cr	7.90%
6.9% Govt Stock 2065	--	₹18.47 Cr	7.23%
6.94% Govt Stock 2036	--	₹16.12 Cr	6.31%
National Bank For Agriculture And Rural Development	--	₹9.90 Cr	3.99%
Bharat Sanchar Nigam Limited	--	₹9.85 Cr	3.97%
7.09% Govt Stock 2074	--	₹9.45 Cr	3.70%
Summit Digitel Infrastructure Limited	--	₹7.37 Cr	2.97%
HDFC Bank Ltd	Financial Services	₹6.31 Cr	2.54%

Returns & Rankings

Name	2 Year	3 Year	4 Year	5 Year
Fund returns	+0.72%	+5.82%	+7.32%	+6.36%
Category average	--	--	--	--
Rank	--	--	--	--

Fund Management

Rohit Shimpi

Experience: 4.92 Years

Ardhendu Bhattacharya

Experience: 5.34 Years

Minimum SIP Amount, Expense Ratio & Exit Load

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth Overview
Minimum SIP Amount	₹500.00
Expense Ratio	1.76% Inclusive of GST
Exit Load	Nil

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth Overview

Minimum SIP Amount

₹500.00

Expense Ratio

1.76%

Inclusive of GST

Exit Load

Nil

Types of Mutual Funds to Invest in India

Mutual funds in India are classified as follows:

ELSS (Tax Saving)

Sectoral/Thematic

Value

Contra

Dividend Yield

Investment Calculators

SIP Calculator

Calculate your SIP returns with our SIP calculator.

Daily SIP Calculator

Calculate wealth gained through daily SIP investments over time.

Fixed Deposit Calculator

Calculate maturity value and interest earned on your FD investment.

Post Office FD Calculator

Calculate returns on Post Office Fixed Deposit schemes.

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth FAQ's

What are the returns of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth has generated -0.6% returns over 1 year, 5.8% over 3 years and 6.4% over 5 years as of 15 October 2026.

What is today's NAV of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

Currently, the Net Asset Value (NAV) of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth is ₹15.54, as of 15 October 2026.

What are the ways to invest in SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

You can invest in SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth through a lumpsum, a monthly SIP and a daily SIP.

What is the minimum SIP investment in SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

The minimum SIP amount for SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth is ₹500 per instalment.

What is the expense ratio of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

The expense ratio of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth is 1.76%. It represents the annual expenses levied for managing and operating the fund scheme and is deducted from the fund's NAV rather than being charged separately. For example, if you invest ₹5,000, the annual expense is about ₹88.

What is the risk level of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

As per the fund factsheet published by the fund house, SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth is considered to carry Moderately High risk for its investors.

What are the top holdings of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

The top holdings of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth include 6.64% Govt Stock 2031, Deutsche Bank AG, Tamil Nadu (Government of) 7.74%, 6.9% Govt Stock 2065 and 6.94% Govt Stock 2036, based on the latest portfolio disclosure. The fund's holdings may change over time depending on the fund manager's investment strategy.

Is there any lock-in period for SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth has no lock-in period for its investors. Thus, the investors of this fund are free to redeem their investments on any date as per their requirements.

How can I redeem my investments in SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

You can redeem your investment in SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth on any business day. The exit load is Nil.

Who is the fund manager of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth is managed by Rohit Shimpi and Ardhendu Bhattacharya. A fund manager is an experienced finance professional responsible for making investment decisions and managing the fund's portfolio in line with its investment objective.

4.5/5

15.7L reviews

Hear from Our Happy Customers

VikasAug 17, 2026

Overall a good experience

I started investing in mutual funds to build a corpus for my long-term financial goals. Paisabazaar made the process fairly straightforward, especially while comparing different fudns. I found the fund-related information useful for understanding the basics before investing. The app is easy to navigate, and tracking my portfolio is convenient. Overall, it has made mutual fund investing feel more manageable and helped me become more disciplined with my investments.

RishavAug 17, 2026

Can easily keep a track of my SIPs

I have been investing in mutual funds through SIPs and the Paisabazaar app has made it easier to keep track of my investments. I like that I can check my portfolio and monitor how my funds are performing in one place. The interface is simple and does not feel complicated. It has also helped me stay consistent with my daily investments instead of delaying them.

KamalAug 17, 2026

Investing feels much easier now

I recently started investing in mutual funds through Paisabazaar and found the process quite simple. I was initially confused about which fund to choose, but the information available on the app helped me understand the basics better. The investment process was smooth, and I could track my investments easily. For someone like me who is new to mutual funds, the overall experience has been convenient and easy to understand.

Swapna felicitasOct 25, 2019

Positive

Paisa bazar helped me to start to invest. I m happy. Its very easy to invest. Waiting for good returns

SoujanyaOct 17, 2019

Safest Website

Thank you paisabazaar for providing us with full proof schemes which are well researched and profit generating

JittuOct 17, 2019

Expense ratio

Paisabazaar if compared with all the other websites in India, has a very less expense ration this will help customer with more returns

SunitaOct 17, 2019

Expert Advice

Very good team of researchers who provide the customer with detailed information on the schemes sector and how it will perform

UnnatiOct 17, 2019

Good Support

I had few issues with my account, the paisabazaar team was very handy in solving those problems, keep up the good work

KashishOct 17, 2019

Well researched

Thank you paisabazaar for saving a lot of times of ours by providing us all the necessary information on the schemes

HimankarOct 17, 2019

Diverse

Paisabazaaar mutual funds schemes are evry diverse, its for everyone who wants to start saving via investing very easy

View All Testimonials

Mutual Funds Articles

Busting 6 Common Myths About Daily SIP

Neha Singh10 Sept 2026

Daily SIP vs. Monthly SIP: Which One Should You Choose?

Rishav Singh21 Jul 2026

Daily SIPs: Helping India’s Informal Workforce Build Wealth

Rishav Singh08 Jul 2026

10 Best Value Funds to Invest

Team PaisaBazaar11 Aug 2025

Best Ultra Short Duration Mutual Funds

Abhijit Biswas30 Apr 2025

Best Corporate Bond Funds

Team PaisaBazaar25 Apr 2025

Best Focused Funds

Abhijit Biswas20 Aug 2021

Best Mid Cap Mutual Funds

Abhijit Biswas20 Aug 2021

Best Small Cap Mutual Funds

Abhijit Biswas20 Aug 2021

Best ELSS Funds – Top 10 Tax Saving Mutual Funds

Abhijit Biswas18 Aug 2021

View All Articles

Written By

Vandana Punj

Reviewed By

Shamik Ghosh

Disclaimer

Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.
Paisabazaar Marketing and Consulting Private Limited is an AMFI registered Mutual Fund Distributor - ARN-336712 | ARN Validity period: 08 Aug 2025 to 07 Aug 2028

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth

Mutual Fund SIP Calculator

About SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth

Top 10 Holdings

Returns & Rankings

Fund Management

Minimum SIP Amount, Expense Ratio & Exit Load

Types of Mutual Funds to Invest in India

Choose Best Curated List of Mutual Funds

Investment Calculators

SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth FAQ's

What are the returns of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

What is today's NAV of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

What are the ways to invest in SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

What is the minimum SIP investment in SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

What is the expense ratio of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

What is the risk level of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

What are the top holdings of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

Is there any lock-in period for SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

How can I redeem my investments in SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

Who is the fund manager of SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth?

Hear from Our Happy Customers

Mutual Funds Articles