Sbi Retirement Benefit Fund Conservative Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 22
Rating
Growth Option 13-03-2026
NAV ₹14.1(R) -0.51% ₹14.46(D) -0.51%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 3.61% 7.56% 7.12% -% -%
Direct 4.08% 8.06% 7.64% -% -%
Nifty 500 TRI 7.03% 15.05% 12.45% 13.56% 14.3%
SIP (XIRR) Regular -1.59% 4.44% 4.52% -% -%
Direct -1.14% 4.93% 5.02% -% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.68 0.32 0.66 -0.09% -2.06
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.48% -4.05% -2.39% 0.22 2.55%
Fund AUM As on: 30/12/2025 175 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Union Retirement Fund 3
Icici Prudential Retirement Fund - Hybrid Conservative Plan 4
Aditya Birla Sun Life Retirement Fund - The 40s Plan 5
Aditya Birla Sun Life Retirement Fund - The 30s Plan 6

NAV Date: 13-03-2026

Scheme Name NAV Rupee Change Percent Change
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 14.1
-0.0700
-0.5100%
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth 14.1
-0.0700
-0.5100%
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth 14.46
-0.0700
-0.5100%
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 14.46
-0.0700
-0.5100%

Review Date: 13-03-2026

Beginning of Analysis

SBI Retirement Benefit Fund Conservative Plan is the 16th ranked fund in the Retirement Fund category. The category has total 26 funds. The 3 star rating shows an average past performance of the SBI Retirement Benefit Fund Conservative Plan in Retirement Fund. The fund has a Jensen Alpha of -0.09% which is lower than the category average of 0.17%. The fund has a Sharpe Ratio of 0.68 which is lower than the category average of 0.81.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

SBI Retirement Benefit Fund Conservative Plan Return Analysis

The SBI Retirement Benefit Fund Conservative Plan has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of -1.76%, -1.81 and -0.59 in last one, three and six months respectively. In the same period the category average return was -4.87%, -5.35% and -3.84% respectively.
  • SBI Retirement Benefit Fund Conservative Plan has given a return of 4.08% in last one year. In the same period the Nifty 500 TRI return was 7.03%. The fund has given 2.95% less return than the benchmark return.
  • The fund has given a return of 8.06% in last three years and rank 24th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 15.05%. The fund has given 6.99% less return than the benchmark return.
  • SBI Retirement Benefit Fund Conservative Plan has given a return of 7.64% in last five years and category average returns is 10.49% in same period. The fund ranked 20th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 12.45%. The fund has given 4.81% less return than the benchmark return.
  • The fund has given a SIP return of -1.14% in last one year whereas category average SIP return is -4.39%. The fund one year return rank in the category is 10th in 28 funds
  • The fund has SIP return of 4.93% in last three years and ranks 20th in 25 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (15.04%) in the category in last three years.
  • The fund has SIP return of 5.02% in last five years whereas category average SIP return is 8.08%.

SBI Retirement Benefit Fund Conservative Plan Risk Analysis

  • The fund has a standard deviation of 3.48 and semi deviation of 2.55. The category average standard deviation is 7.97 and semi deviation is 5.87.
  • The fund has a Value at Risk (VaR) of -4.05 and a maximum drawdown of -2.39. The category average VaR is -9.51 and the maximum drawdown is -9.97. The fund has a beta of 0.2 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Retirement Fund Category
  • Good Performance in Retirement Fund Category
  • Poor Performance in Retirement Fund Category
  • Very Poor Performance in Retirement Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -1.79 -8.21
    -4.96
    		-8.66 | 0.30 4 | 29 Very Good
    3M Return % -1.92 -9.72
    -5.61
    		-11.03 | 0.75 5 | 29 Very Good
    6M Return % -0.81 -7.62
    -4.38
    		-12.26 | 1.59 6 | 29 Very Good
    1Y Return % 3.61 7.03
    5.88
    		2.39 | 18.65 22 | 29 Average
    3Y Return % 7.56 15.05
    11.69
    		5.31 | 24.28 24 | 26 Poor
    5Y Return % 7.12 12.45
    9.20
    		4.31 | 19.63 17 | 25 Average
    1Y SIP Return % -1.59
    -5.34
    		-14.97 | 3.44 9 | 29 Good
    3Y SIP Return % 4.44
    5.15
    		0.79 | 13.39 14 | 26 Good
    5Y SIP Return % 4.52
    7.13
    		3.18 | 17.20 20 | 25 Average
    Standard Deviation 3.48
    7.97
    		1.10 | 14.15 5 | 26 Very Good
    Semi Deviation 2.55
    5.87
    		0.78 | 10.35 5 | 26 Very Good
    Max Drawdown % -2.39
    -9.97
    		-19.00 | -0.42 3 | 26 Very Good
    VaR 1 Y % -4.05
    -9.51
    		-20.07 | 0.00 6 | 26 Very Good
    Average Drawdown % -1.39
    -3.53
    		-7.26 | -0.21 5 | 26 Very Good
    Sharpe Ratio 0.68
    0.81
    		-0.25 | 1.55 18 | 26 Average
    Sterling Ratio 0.66
    0.66
    		0.48 | 0.99 9 | 26 Good
    Sortino Ratio 0.32
    0.39
    		-0.09 | 0.80 18 | 26 Average
    Jensen Alpha % -0.09
    0.17
    		-3.49 | 7.29 13 | 26 Good
    Treynor Ratio -2.06
    -2.04
    		-18.09 | -0.33 24 | 26 Poor
    Modigliani Square Measure % 15.20
    16.75
    		3.89 | 26.68 18 | 26 Average
    Alpha % -6.54
    -3.96
    		-9.80 | 8.15 20 | 26 Average
    Return data last Updated On : March 13, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Feb. 27, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -1.76 -8.21 -4.87 -8.58 | 0.40 4 | 29 Very Good
    3M Return % -1.81 -9.72 -5.35 -10.81 | 1.05 7 | 29 Very Good
    6M Return % -0.59 -7.62 -3.84 -11.58 | 2.16 6 | 29 Very Good
    1Y Return % 4.08 7.03 7.10 3.65 | 20.27 25 | 29 Poor
    3Y Return % 8.06 15.05 12.96 6.52 | 25.98 24 | 26 Poor
    5Y Return % 7.64 12.45 10.49 5.58 | 21.27 20 | 25 Average
    1Y SIP Return % -1.14 -4.39 -13.55 | 4.72 10 | 28 Good
    3Y SIP Return % 4.93 6.12 1.96 | 15.04 20 | 25 Average
    5Y SIP Return % 5.02 8.08 4.36 | 18.87 23 | 24 Poor
    Standard Deviation 3.48 7.97 1.10 | 14.15 5 | 26 Very Good
    Semi Deviation 2.55 5.87 0.78 | 10.35 5 | 26 Very Good
    Max Drawdown % -2.39 -9.97 -19.00 | -0.42 3 | 26 Very Good
    VaR 1 Y % -4.05 -9.51 -20.07 | 0.00 6 | 26 Very Good
    Average Drawdown % -1.39 -3.53 -7.26 | -0.21 5 | 26 Very Good
    Sharpe Ratio 0.68 0.81 -0.25 | 1.55 18 | 26 Average
    Sterling Ratio 0.66 0.66 0.48 | 0.99 9 | 26 Good
    Sortino Ratio 0.32 0.39 -0.09 | 0.80 18 | 26 Average
    Jensen Alpha % -0.09 0.17 -3.49 | 7.29 13 | 26 Good
    Treynor Ratio -2.06 -2.04 -18.09 | -0.33 24 | 26 Poor
    Modigliani Square Measure % 15.20 16.75 3.89 | 26.68 18 | 26 Average
    Alpha % -6.54 -3.96 -9.80 | 8.15 20 | 26 Average
    Return data last Updated On : March 13, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Feb. 27, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Sbi Retirement Benefit Fund Conservative Plan NAV Regular Growth Sbi Retirement Benefit Fund Conservative Plan NAV Direct Growth
    13-03-2026 14.1032 14.4624
    12-03-2026 14.1755 14.5363
    11-03-2026 14.2343 14.5965
    10-03-2026 14.2704 14.6332
    09-03-2026 14.1927 14.5534
    06-03-2026 14.2772 14.6395
    05-03-2026 14.3232 14.6865
    04-03-2026 14.2843 14.6464
    02-03-2026 14.3666 14.7304
    27-02-2026 14.4138 14.7782
    26-02-2026 14.424 14.7885
    25-02-2026 14.419 14.7831
    24-02-2026 14.3888 14.752
    23-02-2026 14.4066 14.77
    20-02-2026 14.3807 14.743
    18-02-2026 14.4134 14.7761
    17-02-2026 14.4113 14.7738
    16-02-2026 14.3959 14.7578
    13-02-2026 14.3607 14.7212

    Fund Launch Date: 10/Feb/2021
    Fund Category: Retirement Fund
    Investment Objective: The investment objective of the scheme is to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes. However, there can be no assurance that theinvestment objective of the Scheme will be realized.
    Fund Description: An open-ended retirement solution-oriented scheme having a lock-in of 5 years or till retirement age whichever is earlier
    Fund Benchmark: NIFTY Composite Debt Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.