Sbi Retirement Benefit Fund Conservative Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 15
Rating
Growth Option 11-09-2026
NAV ₹14.61(R) -0.17% ₹15.02(D) -0.17%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 2.87% 6.04% 6.47% -% -%
Direct 3.34% 6.53% 6.98% -% -%
Nifty 500 TRI -0.12% 10.06% 10.12% 15.39% 13.13%
SIP (XIRR) Regular 3.22% 2.71% 5.54% -% -%
Direct 3.69% 3.19% 6.04% -% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.21 0.09 0.48 -0.71% 0.05
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
4.82% -4.58% -4.32% 0.23 3.67%
Fund AUM As on: 30/12/2025 175 Cr
Top Retirement Fund
Fund Name Rank Rating
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan 1
ICICI Prudential Retirement Fund - Pure Equity Plan 2
Aditya Birla Sun Life Retirement Fund - The 30s Plan 3
ICICI Prudential Retirement Fund - Hybrid Conservative Plan 4
Union Retirement Fund 5
UTI Retirement Fund 6

NAV Date: 11-09-2026

Scheme Name NAV Rupee Change Percent Change
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 14.61
-0.0200
-0.1700%
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth 14.61
-0.0200
-0.1700%
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth 15.02
-0.0200
-0.1700%
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 15.02
-0.0200
-0.1700%

Review Date: 11-09-2026

Beginning of Analysis

In the Retirement Fund category, SBI Retirement Benefit Fund Conservative Plan is the 16th ranked fund. The category has total 26 funds. The SBI Retirement Benefit Fund Conservative Plan has shown an average past performence in Retirement Fund. The fund has a Jensen Alpha of -0.71% which is lower than the category average of 0.09%, reflecting poor performance. The fund has a Sharpe Ratio of 0.21 which is lower than the category average of 0.38.
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 -0.57%, 2.58 and 2.89 in last one, three and six months respectively. In the same period the category average return was -1.76%, 3.99% and 5.19% respectively.
  • SBI Retirement Benefit Fund Conservative Plan has given a return of 3.34% in last one year. In the same period the Nifty 500 TRI return was -0.12%. The fund has given 3.46% more return than the benchmark return.
  • The fund has given a return of 6.53% in last three years and rank 25th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 10.06%. The fund has given 3.53% less return than the benchmark return.
  • SBI Retirement Benefit Fund Conservative Plan has given a return of 6.98% in last five years and category average returns is 9.34% 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 10.12%. The fund has given 3.14% less return than the benchmark return.
  • The fund has given a SIP return of 3.69% in last one year whereas category average SIP return is 4.09%. The fund one year return rank in the category is 17th in 29 funds
  • The fund has SIP return of 3.19% in last three years and ranks 20th in 26 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (14.9%) in the category in last three years.
  • The fund has SIP return of 6.04% in last five years whereas category average SIP return is 9.23%.

SBI Retirement Benefit Fund Conservative Plan Risk Analysis

  • The fund has a standard deviation of 4.82 and semi deviation of 3.67. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • The fund has a Value at Risk (VaR) of -4.58 and a maximum drawdown of -4.32. The category average VaR is -12.9 and the maximum drawdown is -10.32. 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 % -0.61 -3.39
    -1.85
    		-3.98 | -0.32 3 | 29 Very Good
    3M Return % 2.46 3.88
    3.71
    		0.85 | 8.17 18 | 29 Average
    6M Return % 2.66 4.42
    4.61
    		-1.56 | 16.92 19 | 29 Average
    1Y Return % 2.87 -0.12
    2.18
    		-5.52 | 12.45 14 | 29 Good
    3Y Return % 6.04 10.06
    8.57
    		4.82 | 17.31 21 | 26 Average
    5Y Return % 6.47 10.12
    8.09
    		3.84 | 17.92 17 | 25 Average
    1Y SIP Return % 3.22
    2.94
    		-7.49 | 17.12 15 | 29 Good
    3Y SIP Return % 2.71
    4.73
    		0.33 | 13.41 19 | 26 Average
    5Y SIP Return % 5.54
    8.00
    		3.75 | 16.76 20 | 25 Average
    Standard Deviation 4.82
    9.65
    		1.31 | 16.38 6 | 26 Very Good
    Semi Deviation 3.67
    7.17
    		0.96 | 11.68 6 | 26 Very Good
    Max Drawdown % -4.32
    -10.32
    		-19.00 | -0.74 6 | 26 Very Good
    VaR 1 Y % -4.58
    -12.90
    		-25.74 | -0.37 5 | 26 Very Good
    Average Drawdown % 2.26
    5.15
    		0.38 | 11.62 21 | 26 Average
    Sharpe Ratio 0.21
    0.38
    		-0.55 | 0.91 21 | 26 Average
    Sterling Ratio 0.48
    0.51
    		0.33 | 0.81 14 | 26 Good
    Sortino Ratio 0.09
    0.18
    		-0.19 | 0.46 22 | 26 Poor
    Jensen Alpha % -0.71
    0.09
    		-3.62 | 6.21 17 | 26 Average
    Treynor Ratio 0.05
    0.07
    		-0.19 | 0.19 19 | 26 Average
    Modigliani Square Measure % 3.27
    5.75
    		-8.49 | 14.04 21 | 26 Average
    Alpha % -6.06
    -3.60
    		-9.58 | 8.09 19 | 26 Average
    Return data last Updated On : Sept. 11, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.57 -3.39 -1.76 -3.91 | -0.23 5 | 29 Very Good
    3M Return % 2.58 3.88 3.99 1.10 | 8.52 18 | 29 Average
    6M Return % 2.89 4.42 5.19 -1.04 | 17.71 19 | 29 Average
    1Y Return % 3.34 -0.12 3.34 -4.57 | 13.95 14 | 29 Good
    3Y Return % 6.53 10.06 9.78 6.00 | 18.93 25 | 26 Poor
    5Y Return % 6.98 10.12 9.34 5.06 | 19.54 20 | 25 Average
    1Y SIP Return % 3.69 4.09 -6.51 | 18.68 17 | 29 Average
    3Y SIP Return % 3.19 5.90 1.48 | 14.90 20 | 26 Average
    5Y SIP Return % 6.04 9.23 4.94 | 18.39 20 | 25 Average
    Standard Deviation 4.82 9.65 1.31 | 16.38 6 | 26 Very Good
    Semi Deviation 3.67 7.17 0.96 | 11.68 6 | 26 Very Good
    Max Drawdown % -4.32 -10.32 -19.00 | -0.74 6 | 26 Very Good
    VaR 1 Y % -4.58 -12.90 -25.74 | -0.37 5 | 26 Very Good
    Average Drawdown % 2.26 5.15 0.38 | 11.62 21 | 26 Average
    Sharpe Ratio 0.21 0.38 -0.55 | 0.91 21 | 26 Average
    Sterling Ratio 0.48 0.51 0.33 | 0.81 14 | 26 Good
    Sortino Ratio 0.09 0.18 -0.19 | 0.46 22 | 26 Poor
    Jensen Alpha % -0.71 0.09 -3.62 | 6.21 17 | 26 Average
    Treynor Ratio 0.05 0.07 -0.19 | 0.19 19 | 26 Average
    Modigliani Square Measure % 3.27 5.75 -8.49 | 14.04 21 | 26 Average
    Alpha % -6.06 -3.60 -9.58 | 8.09 19 | 26 Average
    Return data last Updated On : Sept. 11, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 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
    11-09-2026 14.6131 15.019
    10-09-2026 14.6374 15.0439
    09-09-2026 14.6369 15.0432
    08-09-2026 14.659 15.0657
    07-09-2026 14.6647 15.0714
    04-09-2026 14.6658 15.0718
    03-09-2026 14.6678 15.0737
    02-09-2026 14.6295 15.0342
    01-09-2026 14.6465 15.0515
    31-08-2026 14.6808 15.0865
    28-08-2026 14.6733 15.0782
    27-08-2026 14.6842 15.0892
    25-08-2026 14.6848 15.0894
    24-08-2026 14.6667 15.0707
    21-08-2026 14.6652 15.0686
    20-08-2026 14.6686 15.0719
    18-08-2026 14.6797 15.0829
    17-08-2026 14.7057 15.1095
    14-08-2026 14.7111 15.1144
    13-08-2026 14.7125 15.1157
    12-08-2026 14.711 15.1139
    11-08-2026 14.703 15.1055

    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.