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

We don't give personal investment advice. SBI Retirement Benefit Fund - Conservative 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: 4.6%. 5-year CAGR: 6.95%.

SBI

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

Latest NAV

₹14.6364

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	+0.01%	+0.13%	-0.12	15 / 18	Q4
1W	-0.17%	-0.10%	-0.07	12 / 18	Q3
2W	-0.28%	+0.25%	-0.53	18 / 18	Q4
1M	+1.36%	+1.54%	-0.18	12 / 18	Q3
3M	+2.37%	+3.45%	-1.08	13 / 18	Q3
6M	+2.14%	+2.40%	-0.26	8 / 18	Q2
YTD	+1.41%	+1.18%	+0.23	9 / 18	Q2
1Y	+1.66%	+2.15%	-0.49	10 / 18	Q3
2Y	+4.29%	+3.25%	+1.04	4 / 18	Q1
3Y	+6.66%	+9.84%	-3.17	14 / 15	Q4
4Y	+7.91%	+10.64%	-2.73	10 / 14	Q3
5Y	+6.95%	+8.44%	-1.49	10 / 14	Q3
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+7.24%	+9.91%	-2.67	15 / 18	Q4

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	+1.41%	+1.18%	+0.23	9 / 18
2025	+5.06%	+4.08%	+0.98	7 / 18
2024	+9.05%	+14.07%	-5.01	15 / 16
2023	+11.09%	+18.56%	-7.47	13 / 15
2022	+4.91%	+0.25%	+4.66	4 / 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

+7.41%

54 windows

min -1.7% · max 13.5%

98% positive

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

3-Year rolling

+8.43%

30 windows

min 6.1% · max 10.5%

100% positive

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

5-Year rolling

+7.01%

6 windows

min 6.5% · max 7.5%

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

3.89%

3-year · annualised

Sharpe ratio

0.02

vs risk-free 6.5%

Sortino ratio

0.03

Downside-only deviation

Max drawdown

-4.55%

Jan 2026 → Mar 2026

% positive months

66.7%

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	₹14.6364
16 Jul 2026	₹14.6353
15 Jul 2026	₹14.6162
14 Jul 2026	₹14.5903
13 Jul 2026	₹14.6647
10 Jul 2026	₹14.6620
9 Jul 2026	₹14.6019
8 Jul 2026	₹14.5691
7 Jul 2026	₹14.6807
6 Jul 2026	₹14.6955

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 Plan - Regular Plan - Growth is ₹14.6364. 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 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 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 Plan - Regular Plan - Growth has delivered a absolute return of 1.66% — -0.49 pp behind the Retirement Fund category average of 2.15%. The fund ranks #10 of 18 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth has delivered a CAGR of 6.66% — -3.17 pp behind the Retirement Fund category average of 9.84%. The fund ranks #14 of 15 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth has delivered a CAGR of 6.95% — -1.49 pp behind the Retirement Fund category average of 8.44%. The fund ranks #10 of 14 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth exactly 5 years ago would be worth approximately ₹139,957 today — a multiplier of 1.40×, based on the 5-year CAGR of 6.95%. 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 Plan - Regular Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹708,605 today. That's an XIRR (money-weighted annualised return) of 6.59%.

SBI Retirement Benefit Fund - Conservative 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 ₹708,605 — XIRR 6.59%.

On a 5-year basis, SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth ranks #10 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 6.95%.

The worst peak-to-trough decline SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth has experienced over the last 5-year window is 4.55% — 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 Plan - Regular Plan - Growth averaged 7.01% (best 7.52%, worst 6.48%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.08 — weak risk-adjusted performance.

In calendar year 2025, SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth returned 5.06% — beating the Retirement Fund category average of 4.08% by 0.98 pp. It ranked #7 of 18 in its category that year.

SBI Retirement Benefit Fund - Conservative 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 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: 4.6%. 5-year CAGR: 6.95%.

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