Should I invest in SBI Conservative Hybrid Fund?

We don't give personal investment advice. SBI Conservative Hybrid Fund - Direct Plan - Growth is suitable for an investor whose:horizon is 3-5 years — too short for pure equity, too long for pure debtwants a single fund that automatically rebalances between equity and debtis comfortable trading some upside for lower volatility vs a pure equity fundCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.6%. 5-year CAGR: 9.25%.

SBI

SBI Conservative Hybrid Fund - Direct Plan - Growth

Latest NAV

₹84.0111

As of

17 Jul 2026

3,273 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	-0.15%	+0.11%	-0.26	17 / 17	Q4
1W	+0.02%	+0.01%	+0.02	7 / 17	Q2
2W	-0.15%	+0.07%	-0.23	17 / 17	Q4
1M	+0.91%	+0.99%	-0.08	12 / 17	Q3
3M	+2.10%	+1.92%	+0.18	6 / 17	Q2
6M	+3.56%	+2.27%	+1.29	2 / 17	Q1
YTD	+3.10%	+1.77%	+1.33	3 / 17	Q1
1Y	+4.91%	+3.80%	+1.11	5 / 17	Q2
2Y	+6.13%	+5.86%	+0.27	7 / 17	Q2
3Y	+9.16%	+8.60%	+0.57	7 / 17	Q2
4Y	+9.99%	+9.12%	+0.87	5 / 17	Q2
5Y	+9.25%	+8.25%	+1.00	4 / 16	Q1
7Y	+10.42%	+8.75%	+1.67	2 / 15	Q1
10Y	+9.27%	+8.24%	+1.03	3 / 15	Q1
Inception	+9.75%	+9.10%	+0.65	4 / 16	Q1

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+3.10%	+1.77%	+1.33	3 / 17
2025	+7.14%	+6.91%	+0.23	8 / 17
2024	+11.52%	+11.24%	+0.28	7 / 17
2023	+12.61%	+11.79%	+0.82	6 / 17
2022	+5.09%	+4.39%	+0.70	7 / 16
2021	+14.28%	+11.56%	+2.73	3 / 15
2020	+14.17%	+10.27%	+3.90	4 / 15
2019	+8.70%	+7.64%	+1.06	8 / 15
2018	+0.77%	+2.08%	-1.31	12 / 15
2017	+8.76%	+10.89%	-2.12	13 / 15
2016	+13.50%	+10.70%	+2.80	3 / 15

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+10.32%

153 windows

min -2.9% · max 24.0%

97% positive

3-Year rolling

+10.21%

129 windows

min 2.9% · max 14.9%

100% positive

5-Year rolling

+9.86%

104 windows

min 6.2% · max 14.0%

100% positive

7-Year rolling

+9.74%

80 windows

min 7.5% · max 11.1%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

3.70%

3-year · annualised

Sharpe ratio

0.64

vs risk-free 6.5%

Sortino ratio

1.44

Downside-only deviation

Max drawdown

-3.03%

Feb 2026 → Mar 2026

% positive months

83.3%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Conservative Hybrid Fund

Scheme	Fund house	NAV	As of
HDFC Hybrid Debt Fund - Growth Option - Direct Plan	HDFC	₹90.0707	17 Jul 2026
Nippon India Conservative Hybrid Fund - Direct Plan Growth Plan - Growth Option	Nippon India	₹68.7236	17 Jul 2026
ICICI Prudential Regular Savings Fund - Direct Plan - Growth	ICICI Prudential	₹87.8731	17 Jul 2026
BANDHAN Conservative Hybrid Fund-Direct Plan-Growth	Bandhan	₹37.1622	17 Jul 2026
Aditya Birla Sun Life Regular Savings Fund - Growth / Payment - Direct Plan	Aditya Birla Sun Life	₹79.1779	17 Jul 2026
Franklin India Conservative Hybrid Fund - Direct - GROWTH	Franklin India	₹102.3696	17 Jul 2026
Kotak Debt Hybrid - Growth - Direct	Kotak	₹69.9432	17 Jul 2026
Parag Parikh Conservative Hybrid Fund - Direct Plan - Growth	Parag Parikh	₹16.1304	17 Jul 2026
DSP Regular Savings Fund - Direct Plan - Growth	DSP	₹69.2221	17 Jul 2026
HSBC Conservative Hybrid Fund - Direct Growth	HSBC	₹72.1056	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹84.0111
16 Jul 2026	₹84.1352
15 Jul 2026	₹83.8964
14 Jul 2026	₹83.7452
13 Jul 2026	₹83.9352
10 Jul 2026	₹83.9908
9 Jul 2026	₹83.6226
8 Jul 2026	₹83.4463
7 Jul 2026	₹84.0348
6 Jul 2026	₹84.1669

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of SBI Conservative Hybrid Fund - Direct Plan - Growth is ₹84.0111. It's a Conservative Hybrid Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Conservative Hybrid Fund - Direct Plan - Growth has NAV history starting from 08 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

SBI Conservative Hybrid Fund - Direct Plan - Growth is managed by SBI. It's classified by AMFI under the 'Conservative Hybrid Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Conservative Hybrid Fund - Direct Plan - Growth has delivered a absolute return of 4.91% — +1.11 pp ahead of the Conservative Hybrid Fund category average of 3.80%. The fund ranks #5 of 17 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Conservative Hybrid Fund - Direct Plan - Growth has delivered a CAGR of 9.16% — +0.57 pp ahead of the Conservative Hybrid Fund category average of 8.60%. The fund ranks #7 of 17 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Conservative Hybrid Fund - Direct Plan - Growth has delivered a CAGR of 9.25% — +1 pp ahead of the Conservative Hybrid Fund category average of 8.25%. The fund ranks #4 of 16 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Conservative Hybrid Fund - Direct Plan - Growth exactly 10 years ago would be worth approximately ₹242,609 today — a multiplier of 2.43×, based on the 10-year CAGR of 9.27%. The category average over the same window would have grown ₹1 lakh to ₹220,638.

A ₹10,000 monthly SIP in SBI Conservative Hybrid Fund - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹750,310 today. That's an XIRR (money-weighted annualised return) of 8.87%.

A ₹10,000 monthly SIP for 10 years in SBI Conservative Hybrid Fund - Direct Plan - Growth = ₹1,200,000 invested. It would currently be worth ₹1,969,148 (multiplier 1.64×). XIRR: 9.57%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI Conservative Hybrid Fund - Direct Plan - Growth ranks #4 out of 16 funds in the Conservative Hybrid Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 8.25%; this fund delivered 9.25%.

The worst peak-to-trough decline SBI Conservative Hybrid Fund - Direct Plan - Growth has experienced over the last 5-year window is 3.59% — its NAV fell from a high on 17 Jan 2022 to a low on 07 Mar 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, SBI Conservative Hybrid Fund - Direct Plan - Growth averaged 9.86% (best 13.97%, worst 6.21%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.62 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Conservative Hybrid Fund - Direct Plan - Growth returned 7.14% — beating the Conservative Hybrid Fund category average of 6.91% by 0.23 pp. It ranked #8 of 17 in its category that year.

SBI Conservative Hybrid Fund - Direct Plan - Growth is a Hybrid scheme. Tax treatment follows its actual equity allocation as disclosed by the AMC: at least 65% equity behaves like an equity fund (12.5% LTCG over 12 months, 20% STCG); 35-65% equity often gets an equity-style treatment with a 24-month threshold; under 35% equity is taxed at slab rate like a debt fund. Check the AMC's latest factsheet for the current classification.

We don't give personal investment advice. SBI Conservative Hybrid Fund - Direct Plan - Growth is suitable for an investor whose:

horizon is 3-5 years — too short for pure equity, too long for pure debt
wants a single fund that automatically rebalances between equity and debt
is comfortable trading some upside for lower volatility vs a pure equity fund

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 3.6%. 5-year CAGR: 9.25%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

SBI Conservative Hybrid Fund - Direct Plan - Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Conservative Hybrid Fund

Recent NAVs

Frequently asked questions

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