Should I invest in SBI Retirement Benefit Fund - Conservative Hybrid Plan?

We don't give personal investment advice. SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.9%. 5-year CAGR: 8.71%.

SBI

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

Latest NAV

₹16.3702

As of

17 Jul 2026

1,316 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	+0.08%	+0.15%	-0.08	19 / 30	Q3
1W	+0.05%	-0.05%	+0.11	9 / 30	Q2
2W	-0.02%	+0.24%	-0.26	23 / 30	Q4
1M	+1.57%	+1.44%	+0.13	13 / 30	Q2
3M	+2.65%	+2.97%	-0.32	14 / 30	Q2
6M	+1.97%	+2.28%	-0.31	15 / 30	Q2
YTD	+0.96%	+1.24%	-0.28	16 / 30	Q3
1Y	+1.67%	+2.97%	-1.30	20 / 30	Q3
2Y	+3.42%	+4.32%	-0.90	22 / 30	Q3
3Y	+7.76%	+11.33%	-3.57	21 / 27	Q4
4Y	+9.63%	+12.57%	-2.94	17 / 26	Q3
5Y	+8.71%	+10.51%	-1.80	16 / 26	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+9.42%	+11.61%	-2.19	21 / 30	Q3

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	+0.96%	+1.24%	-0.28	16 / 30
2025	+5.29%	+5.89%	-0.60	19 / 30
2024	+9.97%	+15.71%	-5.75	25 / 28
2023	+15.48%	+21.10%	-5.62	18 / 27
2022	+5.67%	+2.72%	+2.94	5 / 26
2021	—	—	—	—

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

+9.41%

54 windows

min -1.6% · max 18.8%

98% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+10.76%

30 windows

min 7.6% · max 13.1%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+9.13%

6 windows

min 8.5% · max 9.9%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

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

5.74%

3-year · annualised

Sharpe ratio

0.21

vs risk-free 6.5%

Sortino ratio

0.39

Downside-only deviation

Max drawdown

-6.87%

Jan 2026 → Mar 2026

% positive months

61.1%

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 Retirement Fund

Scheme	Fund house	NAV	As of
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan	HDFC	₹55.9750	17 Jul 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹20.6550	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹13.2520	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹25.1110	17 Jul 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹241.8786	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹20.3300	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹16.3702
16 Jul 2026	₹16.3578
15 Jul 2026	₹16.3296
14 Jul 2026	₹16.2852
13 Jul 2026	₹16.3715
10 Jul 2026	₹16.3614
9 Jul 2026	₹16.2672
8 Jul 2026	₹16.2127
7 Jul 2026	₹16.3837
6 Jul 2026	₹16.4031

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 Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth is ₹16.3702. It's a Retirement Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth has NAV history starting from 17 Feb 2021, a track record of about 5 years 5 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 Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth is managed by SBI. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth has delivered a absolute return of 1.67% — -1.3 pp behind the Retirement Fund category average of 2.97%. The fund ranks #20 of 30 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth has delivered a CAGR of 7.76% — -3.57 pp behind the Retirement Fund category average of 11.33%. The fund ranks #21 of 27 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth has delivered a CAGR of 8.71% — -1.8 pp behind the Retirement Fund category average of 10.51%. The fund ranks #16 of 26 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth exactly 5 years ago would be worth approximately ₹151,852 today — a multiplier of 1.52×, based on the 5-year CAGR of 8.71%. The category average over the same window would have grown ₹1 lakh to ₹164,843.

A ₹10,000 monthly SIP in SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹728,862 today. That's an XIRR (money-weighted annualised return) of 7.71%.

SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹728,862 — XIRR 7.71%.

On a 5-year basis, SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth ranks #16 out of 26 funds in the Retirement Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 10.51%; this fund delivered 8.71%.

The worst peak-to-trough decline SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth has experienced over the last 5-year window is 6.87% — its NAV fell from a high on 02 Jan 2026 to a low on 30 Mar 2026. 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 Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth averaged 9.13% (best 9.91%, worst 8.53%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.33 — weak risk-adjusted performance.

In calendar year 2025, SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth returned 5.29% — lagging the Retirement Fund category average of 5.89% by 0.60 pp. It ranked #19 of 30 in its category that year.

SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

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

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 6.9%. 5-year CAGR: 8.71%.

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