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: 8.10%.

SBI

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

Latest NAV

₹15.8508

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	+0.07%	+0.13%	-0.05	13 / 18	Q3
1W	+0.04%	-0.10%	+0.15	5 / 18	Q2
2W	-0.04%	+0.25%	-0.29	17 / 18	Q4
1M	+1.53%	+1.54%	-0.02	11 / 18	Q3
3M	+2.52%	+3.45%	-0.93	11 / 18	Q3
6M	+1.72%	+2.40%	-0.68	10 / 18	Q3
YTD	+0.69%	+1.18%	-0.49	10 / 18	Q3
1Y	+1.16%	+2.15%	-0.98	11 / 18	Q3
2Y	+2.91%	+3.25%	-0.35	11 / 18	Q3
3Y	+7.22%	+9.84%	-2.62	12 / 15	Q4
4Y	+9.06%	+10.64%	-1.57	9 / 14	Q3
5Y	+8.10%	+8.44%	-0.35	8 / 14	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+8.78%	+9.91%	-1.13	12 / 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	+0.69%	+1.18%	-0.49	10 / 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

+8.79%

54 windows

min -2.1% · max 18.2%

98% positive

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

3-Year rolling

+10.15%

30 windows

min 7.1% · max 12.5%

100% positive

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

5-Year rolling

+8.50%

6 windows

min 7.9% · max 9.3%

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

0.12

vs risk-free 6.5%

Sortino ratio

0.22

Downside-only deviation

Max drawdown

-6.98%

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
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	SBI	₹19.4111	17 Jul 2026
Bandhan Retirement Fund - Regular Plan - Growth	Bandhan	₹12.6600	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	Aditya Birla Sun Life	₹22.4660	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Regular plan - Growth option	Baroda BNP Paribas	₹11.5445	17 Jul 2026
PGIM India Retirement Fund - Regular Plan - Growth Option	PGIM India	₹12.2300	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Regular Growth	Axis	₹18.4200	17 Jul 2026
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	Tata	₹68.3290	17 Jul 2026
Union Retirement Fund - Regular Plan - Growth Option	Union	₹16.5200	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹15.8508
16 Jul 2026	₹15.8390
15 Jul 2026	₹15.8120
14 Jul 2026	₹15.7692
13 Jul 2026	₹15.8530
10 Jul 2026	₹15.8439
9 Jul 2026	₹15.7529
8 Jul 2026	₹15.7003
7 Jul 2026	₹15.8662
6 Jul 2026	₹15.8852

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 - Regular Plan - Growth is ₹15.8508. 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 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 - 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 1.16% — -0.98 pp behind the Retirement Fund category average of 2.15%. The fund ranks #11 of 18 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan - Growth has delivered a CAGR of 7.22% — -2.62 pp behind the Retirement Fund category average of 9.84%. The fund ranks #12 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 8.10% — -0.35 pp behind the Retirement Fund category average of 8.44%. 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 ₹147,602 today — a multiplier of 1.48×, based on the 5-year CAGR of 8.10%. The category average over the same window would have grown ₹1 lakh to ₹149,979.

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 ₹718,567 today. That's an XIRR (money-weighted annualised return) of 7.14%.

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 ₹718,567 — XIRR 7.14%.

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 8.44%; this fund delivered 8.10%.

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 8.50% (best 9.25%, worst 7.90%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.23 — 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: 8.10%.

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