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 - Regular 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: 7.0%. 5-year CAGR: 7.78%.

SBI

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

Latest NAV

₹15.2980

As of

3 Jun 2026

1,285 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	+0.16%	+0.28%	-0.12	12 / 18	Q3
1W	-0.53%	-1.02%	+0.49	6 / 18	Q2
2W	+0.45%	+0.18%	+0.27	5 / 18	Q2
1M	-0.82%	-0.53%	-0.30	10 / 18	Q3
3M	-1.13%	+0.13%	-1.26	9 / 18	Q2
6M	-2.41%	-2.49%	+0.08	8 / 18	Q2
YTD	-2.65%	-2.48%	-0.17	9 / 18	Q2
1Y	-1.57%	+0.11%	-1.69	14 / 18	Q4
2Y	+2.59%	+3.68%	-1.09	13 / 18	Q3
3Y	+6.94%	+10.00%	-3.05	13 / 15	Q4
4Y	+8.51%	+9.83%	-1.32	9 / 14	Q3
5Y	+7.78%	+8.12%	-0.34	8 / 14	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.30%	+9.30%	-1.00	11 / 18	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	-2.65%	-2.48%	-0.17	9 / 18
2025	+4.77%	+4.08%	+0.70	10 / 18
2024	+9.40%	+14.07%	-4.67	13 / 16
2023	+14.88%	+18.56%	-3.68	10 / 15
2022	+4.96%	+0.25%	+4.71	3 / 14
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

+8.78%

53 windows

min -1.6% · max 17.7%

96% positive

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

3-Year rolling

+10.06%

29 windows

min 6.9% · max 12.4%

100% positive

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

5-Year rolling

+8.29%

4 windows

min 7.8% · max 8.9%

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

6.25%

3-year · annualised

Sharpe ratio

0.07

vs risk-free 6.5%

Sortino ratio

0.11

Downside-only deviation

Max drawdown

-6.98%

Jan 2026 → Mar 2026

% positive months

72.2%

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
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	SBI	₹18.5546	3 Jun 2026
Bandhan Retirement Fund - Regular Plan - Growth	Bandhan	₹12.2670	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	Aditya Birla Sun Life	₹21.1330	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Regular plan - Growth option	Baroda BNP Paribas	₹11.0806	3 Jun 2026
PGIM India Retirement Fund - Regular Plan - Growth Option	PGIM India	₹11.5500	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Regular Growth	Axis	₹17.6100	3 Jun 2026
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	Tata	₹65.6911	3 Jun 2026
Union Retirement Fund - Regular Plan - Growth Option	Union	₹15.6500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹15.2980
2 Jun 2026	₹15.3250
1 Jun 2026	₹15.3011
31 May 2026	₹15.3477
29 May 2026	₹15.3461
27 May 2026	₹15.4149
26 May 2026	₹15.4061
25 May 2026	₹15.4316
22 May 2026	₹15.3464
21 May 2026	₹15.3118

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 03 Jun 2026, the NAV of SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth is ₹15.2980. It's a Retirement Fund from SBI, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth has NAV history starting from 17 Feb 2021, a track record of about 5 years 3 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 - Regular 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 - Regular Plan - Growth has delivered a absolute return of -1.57% — -1.69 pp behind the Retirement Fund category average of 0.11%. The fund ranks #14 of 18 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth has delivered a CAGR of 6.94% — -3.05 pp behind the Retirement Fund category average of 10.00%. The fund ranks #13 of 15 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth has delivered a CAGR of 7.78% — -0.34 pp behind the Retirement Fund category average of 8.12%. The fund ranks #8 of 14 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth exactly 5 years ago would be worth approximately ₹145,421 today — a multiplier of 1.45×, based on the 5-year CAGR of 7.78%. The category average over the same window would have grown ₹1 lakh to ₹147,754.

A ₹10,000 monthly SIP in SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹701,697 today. That's an XIRR (money-weighted annualised return) of 6.19%.

SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular 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 ₹701,697 — XIRR 6.19%.

On a 5-year basis, SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth ranks #8 out of 14 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 8.12%; this fund delivered 7.78%.

The worst peak-to-trough decline SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth has experienced over the last 5-year window is 6.98% — 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 - Regular Plan - Growth averaged 8.29% (best 8.95%, worst 7.78%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.20 — weak risk-adjusted performance.

In calendar year 2025, SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth returned 4.77% — beating the Retirement Fund category average of 4.08% by 0.70 pp. It ranked #10 of 18 in its category that year.

SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular 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 - Regular 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: 7.0%. 5-year CAGR: 7.78%.

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