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 - Income Distribution cum Capital Withdrawal Option (IDCW)
★★★★★ monitor_heart Health Score: 65/100 · GoodSBI Mutual Fund · Solution Oriented · Retirement Fund
₹16.19
AUM: ₹3,013 Cr
NAV updated about 2 months ago
Plan
Direct
Option
Idcw
Risk
—
Expense Ratio
0.95%
Exit Load
Nil
Fund Manager
Dinesh Ahuja
Inception
Feb 2021
Benchmark
BSE 500 Total Return Index
Sharpe Ratio
-1.12
Std Dev (1Y)
6.3%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
-2.93%
3m
+1.45%
6m
-5.49%
1y
-4.38%
3y
+9.65%
5y
+12.88%
10y
—
since inception
+8.97%
rate_review TopFund's Take on SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) holds up reasonably well within the Retirement Fund category, currently carrying a 3-star rating. It has delivered steady, if unspectacular, returns over a full market cycle. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 65/100.
Cost: At 0.95%, the expense ratio is roughly in line with the Retirement Fund category average of 0.94% — cost isn't a standout factor either way for this fund.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -1.12 — 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 6.3% is on the lower side, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Solution Oriented fund.
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.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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tips_and_updates Tools & Guides for This Fund
Frequently Asked Questions about SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)
The current NAV (Net Asset Value) of SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹16.19. NAV is updated every business day after market close by AMFI.
1Y: -4.38% · 3Y CAGR: 9.65% · 5Y CAGR: 12.88%
The expense ratio is 0.95% per annum — the annual fee deducted from your investment to cover fund management costs.
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is managed by Dinesh Ahuja at SBI Mutual Fund.
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is a moderate risk fund. Suitable for investors with a moderate risk appetite.
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is a Retirement Fund fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of SBI Retirement Benefit Fund - Conservative Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹3,013 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.