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Retirement FundSBI Funds Management Limited

SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth

Benchmark: NIFTY Composite Debt Index · Riskometer: Moderately High

₹15.0865

NAV (2026-08-31)

₹140.43 Cr

AUM (2026-08-31)

0.97%

EXPENSE RATIO (DIRECT)

2021-01-20

INCEPTION

DQuality · 49.7/100
DSafety · 46.1/100
CCompound · 61.1/100

Punji Fund Health Score - percentile-within-category. See methodology.

CHART

Rolling CAGR by holding period - min, median, max

Each group is one holding-period length. Full range of outcomes across every overlapping window in the fund's history, not one trailing number.

-2.9%1.8%6.5%11%16%1Y3Y5Y
Min rolling CAGRMedian rolling CAGRMax rolling CAGR
MetricValuePercentileCategory median
3Y Rolling CAGR9.0%19.23th 12.8%
3Y Sharpe Ratio0.0611.11th 0.43
3Y Alpha0.0%40.74th 0.3%
3Y Std Deviation3.8%85.19th (lower is better)9.5%

0.0602

Sharpe Ratio

0.0881

Sortino Ratio

0

Alpha (%)

1

Beta

3.8166

Std Deviation (%)

-4.4469

Max Drawdown (%)

100

Up Capture

100

Down Capture

0

Tracking Error (%)

1.601

Calmar Ratio

3-year window vs. NIFTY Composite Debt Index.

CHART

Top sector holdings

Share of portfolio (% to NAV) in each of the top sectors.

80.2%TOP 24100%
Other 80.2%Banks 4.47%Automobiles 1.19%Finance 1.09%Auto Components 1.06%Cement & Cement Products 1.02%Industrial Products 0.94%Pharmaceuticals & Biotechnology 0.94%Retailing 0.93%Consumer Durables 0.91%Chemicals & Petrochemicals 0.85%IT - Software 0.8%Construction 0.8%Realty 0.78%Leisure Services 0.72%Power 0.57%Electrical Equipment 0.55%Industrial Manufacturing 0.45%Transport Infrastructure 0.42%Capital Markets 0.36%Agricultural Food & other Products 0.27%Transport Services 0.26%Insurance 0.22%Textiles & Apparels 0.2%

TOP HOLDINGS

TREPS ()18.58%
6.94% CGL 2036 ()17.15%
Bharat Sanchar Nigam Ltd. ()7.15%
National Bank for Agriculture and Rural Development ()7.1%
Summit Digitel Infrastructure Pvt. Ltd. ()5.33%
Torrent Power Ltd. ()3.64%
REC Ltd. ()3.6%
Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) ()3.56%
Knowledge Realty Trust ()3.55%
Muthoot Finance Ltd. ()3.55%

Funds that behave most similarly (beta, capture ratios, volatility - not holdings overlap). Pick up to 2 to compare alongside this fund:

28.2186

P/E Ratio

12.2886

P/B Ratio

0.875

Dividend Yield (%)

7.12

YTM (%)

4.07

Macaulay Duration (yrs)

4.12

Modified Duration (yrs)

5.07

Avg Maturity (yrs)

CHART

Asset Allocation

As of Jul-2026

19.8%64.53%15.66%TOP 3100%
Equity 19.8%Debt 64.53%Cash 15.66%

CHART

Market Cap Split

As of Jul-2026

20.44%9.6%9.07%TOP 339%
Large 20.44%Mid 9.6%Small 9.07%

CHART

Credit Quality

As of Jul-2026

30.25%17.13%17.15%TOP 465%
AAA 30.25%AA 17.13%Sovereign 17.15%Other 0%

Portfolio analytics as of Jul-2026.

Data as of 2026-09-02. Source: AMFI disclosures via Punji. Not investment advice.