Data shown is for informational purposes only and does not constitute investment advice. TopFund is not SEBI-registered. Consult a SEBI-registered advisor before investing.
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth
★★★★★ 3rd-party
External rating
- Source: Third-party data provider (Groww/CRISIL)
- Original rating: 2/5, displayed as-is — TopFund does not modify third-party ratings
- Refresh frequency: Whenever TopFund re-syncs this fund's data
- Limitations: The provider's own rating methodology isn't disclosed here — see the provider's own site for their criteria
TopFund Score: 46/100 · Weak
How this score is calculated
- Star rating (35%)2/5
- 3Y CAGR (30%)7.07%
- Expense ratio (20%)1.24%
- AUM (15%)₹255 Cr
Not investment advice — an analytical read of public fund data. Methodology →
SBI Mutual Fund · Hybrid · Conservative Hybrid
₹16.33
AUM: ₹254 Cr
NAV updated 5 days ago
Plan
Direct
Option
Growth
Risk
High
Expense Ratio
1.24%
Exit Load
Nil
Fund Manager
Dinesh Ahuja
Inception
Feb 2021
Benchmark
CRISIL Hybrid 65+35 Conservative Index
Sharpe Ratio
-0.54
Std Dev (1Y)
6.4%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-0.95%
3m
+0.74%
6m
+5.62%
1y
+1.81%
3y
+7.07%
5y
+7.75%
10y
—
since inception
+9.1%
TopFund's Take on SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth lags behind most of its peers in the Conservative Hybrid category, currently carrying a 2-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 46/100.
Cost: At 1.24%, the expense ratio runs 49% above the Conservative Hybrid category average of 0.83%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -0.54 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 6.4% is on the lower side for a Conservative Hybrid fund, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors who want a single fund blending equity growth with debt-driven stability. The High risk rating means near-term volatility should be expected — this isn't a fund to check daily.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
Sector Allocation
Asset Allocation
Fund Snapshot
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Tools & Guides for This Fund
Frequently Asked Questions about SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth
The current NAV (Net Asset Value) of SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth is ₹16.33. NAV is updated every business day after market close by AMFI.
1Y: 1.81% · 3Y CAGR: 7.07% · 5Y CAGR: 7.75%
The expense ratio of SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth is 1.24% per annum. This is the annual fee charged by the fund to manage your investment.
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth is managed by Dinesh Ahuja at SBI Mutual Fund.
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth is classified as a High risk fund. It is suitable for investors with a long-term horizon of 3+ years.
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth is a Conservative Hybrid fund. SIP suitability depends on your investment goal and risk profile.
You can start a SIP in SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth with as little as ₹500 per month through most mutual fund platforms. The minimum lump sum investment is typically ₹1,000.
The Assets Under Management (AUM) of SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Growth is ₹255 crore. AUM indicates the total market value of assets managed by the fund.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.
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