PunjiPUNJI
Live AI ↗
Retirement FundSBI Funds Management Limited

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

Benchmark: CRISIL Hybrid 50+50 - Moderate Index · Riskometer: High

₹16.526

NAV (2026-08-31)

₹254.851 Cr

AUM (2026-08-31)

1.24%

EXPENSE RATIO (DIRECT)

2021-01-20

INCEPTION

DQuality · 44.7/100
CSafety · 59.6/100
CCompound · 59.2/100

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.

-4.1%2.3%8.7%15%21%1Y3Y5Y
Min rolling CAGRMedian rolling CAGRMax rolling CAGR
MetricValuePercentileCategory median
3Y Rolling CAGR10.6%46.15th 12.8%
3Y Sharpe Ratio0.1825.93th 0.43
3Y Alpha-3.3%3.7th 0.3%
3Y Std Deviation5.8%62.96th (lower is better)9.5%

0.1783

Sharpe Ratio

0.2563

Sortino Ratio

-3.2561

Alpha (%)

0.7605

Beta

5.7976

Std Deviation (%)

-6.8692

Max Drawdown (%)

74.3361

Up Capture

82.4271

Down Capture

2.7633

Tracking Error (%)

1.1535

Calmar Ratio

3-year window vs. CRISIL Hybrid 50+50 - Moderate Index.

CHART

Top sector holdings

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

60.89%8.74%TOP 24100%
Other 60.89%Banks 8.74%Automobiles 2.21%Finance 2.18%Cement & Cement Products 2.03%Auto Components 1.99%Industrial Products 1.99%Consumer Durables 1.96%Retailing 1.85%Pharmaceuticals & Biotechnology 1.81%Construction 1.71%Chemicals & Petrochemicals 1.7%Realty 1.49%Leisure Services 1.47%IT - Software 1.43%Electrical Equipment 1.15%Power 1.11%Industrial Manufacturing 0.9%Transport Infrastructure 0.8%Capital Markets 0.72%Agricultural Food & other Products 0.57%Transport Services 0.49%Textiles & Apparels 0.41%Insurance 0.4%

TOP HOLDINGS

TREPS ()13.38%
6.64% CGL 2031 ()10.04%
7.74% State Government of Tamil Nadu 2036 ()7.99%
6.94% CGL 2036 ()6.31%
Bharat Sanchar Nigam Ltd. ()3.95%
National Bank for Agriculture and Rural Development ()3.92%
Summit Digitel Infrastructure Pvt. Ltd. ()2.94%
HDFC Bank Ltd. (Banks)2.71%
ICICI Bank Ltd. (Banks)2.44%
Torrent Power Ltd. ()2.01%

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 (%)

7.006

YTM (%)

4.42

Macaulay Duration (yrs)

4.17

Modified Duration (yrs)

5.43

Avg Maturity (yrs)

CHART

Asset Allocation

As of Jul-2026

39.11%51.68%9.2%TOP 3100%
Equity 39.11%Debt 51.68%Cash 9.2%

CHART

Market Cap Split

As of Jul-2026

9.76%15.52%9.88%TOP 335%
Large 9.76%Mid 15.52%Small 9.88%

CHART

Credit Quality

As of Jul-2026

18.67%8.67%24.34%TOP 452%
AAA 18.67%AA 8.67%Sovereign 24.34%Other 0%

Portfolio analytics as of Jul-2026.

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