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

NAVs of 8 Nov 2026

SBI Mutual Fund · Solution oriented fund · Regular plan · Growth

RetirementRegular · Growth

NAV · 6 Nov 2026

₹14.7367 ▲ 0.13%

SBI Mutual Fund

Fund size₹141 crJuly - September 2026

1-month range₹14.34 – 14.74

1 year+2.73%rank 14 of 34

Expense ratio1.43%regular plan, a year

5 years+6.57%a year

What the fund does

Solution oriented fund in the Retirement category, from SBI Mutual Fund.

Fund houseSBI Mutual Fund

NAV history

Returns

1 week

+2.05%avg 4.7%

1 month

+1.44%avg 3.4%

3 months

+0.29%avg -0.8%

6 months

+2.94%avg 2.6%

This year

+2.16%avg 1.7%

1 year

+2.73%avg 2.4% · #14/34

3 years (a year)

+6.51%avg 10.0% · #28/31

5 years (a year)

+6.57%avg 8.1% · #20/29

Bars: this plan; the thin mark is the Retirement average (regular plans, growth option). Over a year: yearly averages (CAGR). Past returns do not guarantee future returns. Information only, not investment advice.

Monthly returns (%)

Year	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2024												-0.2
2025	+0.1	-1.5	+2.7	+1.5	+2.0	-0.1	-0.1	-1.6	+0.9	+0.9	+0.1	+0.2
2026	-0.8	+0.8	-4.3	+3.1	-0.1	+2.9	+0.0	+0.4	-1.1	-0.6	+2.1

Each month's change in NAV (the current month to the latest NAV).

What if you had invested?

Amount (₹) Started

Worked out from this plan's actual NAVs. SIP: invested on the first NAV of each month. Taxes and exit loads are not included. Past returns do not guarantee future returns. Information only, not investment advice.

Portfolio as on 30 Sept 2026

Holdings6466 lines in all

Top 10 holdings45.0%of the fund

Debt47.9%bonds, government securities

Money market0.0%CDs, CPs, treasury bills

Where the money is

Equity 19.0%Debt 47.9%Cash & others 33.1%

Credit quality (debt and money market)

AAA

26.9%

AA+

17.4%

3.6%

Changes since 31 Aug 2026

Share of fund	30 Sept 2026	31 Aug 2026	Change
Stocks held	19.0%	19.6%	-0.56
Debt	47.9%	54.4%	-6.47
Cash & others	33.1%	26.0%	+7.03
Top 10 stocks	7.0%	7.3%	-0.35
Number of stocks	53	54	-1

New stocks 2

Corona Remedies Ltd.0.41%
Elevate Campuses Ltd.0.35%

Stocks sold off 3

Axis Bank Ltd.was 0.54%
Kajaria Ceramics Ltd.was 0.06%
TVS Motor Company Ltd.was 0.01%

Change is in percentage points. Bought more and cut back list stocks whose share of the fund moved by at least 0.25 points. A share can also move because the price changed, not only because the fund traded.

Stocks held 53

Holding	Sector / type	% of fund
HDFC Bank Ltd. INE040A01034	Banks	1.24%
ICICI Bank Ltd. INE090A01021	Banks	1.17%
Larsen & Toubro Ltd. INE018A01030	Construction	0.79%
State Bank of India INE062A01020	Banks	0.74%
Maruti Suzuki India Ltd. INE585B01010	Automobiles	0.59%
Ultratech Cement Ltd. INE481G01011	Cement & Cement Products	0.57%
Kotak Mahindra Bank Ltd. INE237A01036	Banks	0.51%
Lenskart Solutions Ltd. INE956O01016	Retailing	0.47%
Urban Company Ltd. INE0CAZ01013	Retailing	0.46%
TVS Motor Company Ltd. INE494B01023	Automobiles	0.45%
Bajaj Finance Ltd. INE296A01032	Finance	0.45%
JSW Infrastructure Ltd. INE880J01026	Transport Infrastructure	0.43%
Sona Blw Precision Forgings Ltd. INE073K01018	Auto Components	0.41%
Corona Remedies Ltd. INE02ZQ01018	Pharmaceuticals & Biotechnology	0.41%
Anthem Biosciences Ltd. INE0CZ201020	Pharmaceuticals & Biotechnology	0.41%
Divi's Laboratories Ltd. INE361B01024	Pharmaceuticals & Biotechnology	0.39%
Hyundai Motor India Ltd. INE0V6F01027	Automobiles	0.38%
Timken India Ltd. INE325A01013	Industrial Products	0.37%
Schaeffler India Ltd. INE513A01022	Auto Components	0.37%
JSW Cement Ltd. INE718I01012	Cement & Cement Products	0.36%
Navin Fluorine International Ltd. INE048G01026	Chemicals & Petrochemicals	0.36%
Central Depository Services (I) Ltd. INE736A01011	Capital Markets	0.35%
Elevate Campuses Ltd. INE147X01013	Realty	0.35%
ZF Commercial Vehicle Control Systems India Ltd. INE342J01019	Auto Components	0.31%
Bajaj Finserv Ltd. INE918I01026	Finance	0.30%
The Indian Hotels Company Ltd. INE053A01029	Leisure Services	0.30%
Grindwell Norton Ltd. INE536A01023	Industrial Products	0.29%
Asian Paints Ltd. INE021A01026	Consumer Durables	0.29%
Tech Mahindra Ltd. INE669C01036	IT - Software	0.29%
Jubilant Foodworks Ltd. INE797F01020	Leisure Services	0.27%
Pidilite Industries Ltd. INE318A01026	Chemicals & Petrochemicals	0.27%
FSN E-Commerce Ventures Ltd. INE388Y01029	Retailing	0.27%
Coforge Ltd. INE591G01025	IT - Software	0.26%
Balrampur Chini Mills Ltd. INE119A01028	Agricultural Food & other Products	0.26%
Sudeep Pharma Ltd. INE0QPI01025	Chemicals & Petrochemicals	0.25%
Thermax Ltd. INE152A01029	Electrical Equipment	0.25%
Oberoi Realty Ltd. INE093I01010	Realty	0.24%
Torrent Power Ltd. INE813H01021	Power	0.24%
ABB India Ltd. INE117A01022	Electrical Equipment	0.23%
DLF Ltd. INE271C01023	Realty	0.23%
Pitti Engineering Ltd. INE450D01021	Industrial Manufacturing	0.22%
Godrej Properties Ltd. INE484J01027	Realty	0.22%
Berger Paints India Ltd. INE463A01038	Consumer Durables	0.22%
HDB Financial Services Ltd. INE756I01012	Finance	0.21%
Honeywell Automation India Ltd. INE671A01010	Industrial Manufacturing	0.21%
Interglobe Aviation Ltd. INE646L01027	Transport Services	0.21%
Voltas Ltd. INE226A01021	Consumer Durables	0.20%
LTM Ltd. INE214T01019	IT - Software	0.19%
Page Industries Ltd. INE761H01022	Textiles & Apparels	0.19%
Carborundum Universal Ltd. INE120A01034	Industrial Products	0.18%
Brigade Hotel Ventures Ltd. INE03NU01014	Leisure Services	0.17%
Biocon Ltd. INE376G01013	Pharmaceuticals & Biotechnology	0.16%
ESAB India Ltd. INE284A01012	Industrial Products	0.04%

Show 38 moreShow fewer

Bonds, money market and cash 13

Holding	Sector / type	% of fund
TREPS	–	31.28%
National Bank for Agriculture and Rural Development INE261F08EU4	CRISIL AAA	7.20%
Bharat Sanchar Nigam Ltd. INE103D08039	CRISIL AAA(CE)	7.16%
Summit Digitel Infrastructure Pvt. Ltd. INE507T07153	CRISIL AAA	5.36%
Torrent Power Ltd. INE813H07309	CRISIL AA+	3.65%
Cholamandalam Investment & Finance Co. Ltd. INE121A07SU3	[ICRA]AA+	3.64%
Muthoot Finance Ltd. INE414G07JZ7	CRISIL AA+	3.63%
Knowledge Realty Trust INE1JAR07036	CRISIL AAA	3.61%
REC Ltd. INE020B08EE7	CRISIL AAA	3.60%
Tata Power Renewable Energy Ltd. (Guaranteed by Tata Power Ltd.) INE607M08105	[ICRA]AA+	3.60%
Cholamandalam Investment & Finance Co. Ltd.Perpetual INE121A08QA7	[ICRA]AA	3.57%
Union Bank of India( AT1 Bond under Basel III ) INE692A08169	CRISIL AA+	2.91%
Net Receivable / Payable	–	1.79%

From the fund house's monthly portfolio (sbimf.com), as on 30 Sept 2026. Percentages are of the fund's net assets. Published about ten days after each month ends.

Risk

Volatility4.5%yearly, from daily NAVs

Worst fall-4.55%2 Jan 2026 → 30 Mar 2026

Volatility: how much the NAV moves, as a yearly figure (higher = bumpier). Worst fall: the biggest drop from a high, in the NAV history we hold (from 26 Feb 2021).

Fund details

Fund size (average AUM, July - September 2026)	₹141 cr across all plans · this plan ₹122 cr
Fund house	SBI Mutual Fund
Category	Solution oriented · Retirement
Plan	Regular
Option	Growth
Expense ratio (TER)	Direct 0.97% · Regular 1.43% (5 Nov 2026)
Scheme code (AMFI)	148696
ISIN	INF200KA1T13
NAV date	6 Nov 2026

Other plans of this fund

Plan	NAV	1 year
Direct · Growth	₹15.1570	+3.21%
Direct · IDCW	₹15.1547	+3.21%
Regular · IDCW	₹14.7365	+2.73%

Top Retirement funds (regular plans)

Fund	1 year	3 years (a year)
ICICI Prudential Retirement Fund Pure Equity Plan	+2.49%	+18.97%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan	+1.68%	+16.07%
Aditya Birla Sun Life Retirement Fund-The 30s Plan	+11.39%	+16.00%
Tata Retirement Savings Fund-Progressive Plan	+6.71%	+13.55%
Axis Retirement Fund - Dynamic Plan	+1.19%	+13.32%
Tata Retirement Savings Fund-Moderate Plan	+6.31%	+12.87%
Union Retirement Fund	+3.53%	+12.45%
Axis Retirement Fund - Aggressive Plan	+1.02%	+12.44%
SBI Retirement Benefit Fund - Conservative Plan	+2.73%	+6.51%

All Retirement funds ranked › · Compare with others ›

← All mutual funds

Information only, not investment advice.

What is the NAV of SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth today?

₹14.7367 as of 6 Nov 2026, from AMFI's official NAV data.

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

1 year: 2.73%, 3 years: 6.51% a year, 5 years: 6.57% a year

How does SBI Retirement Benefit Fund - Conservative Plan rank in its category?

14 of 34 Retirement funds (regular plans, growth option) by 1-year return.

What is the difference between direct and regular plans?

Both invest in the same portfolio. Direct plans are bought straight from the fund house and pay no distributor commission, so their expenses are lower and their NAV grows slightly faster.