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

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Scheme Objective

The investment objective of the scheme is to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes.

Scheme Details

Fund manager(s) – Ardhendu Bhattacharya , Rohit Shimpi , Pradeep Kesavan
Launch date – 10-Feb-2021
Expense ratio – 0.94% as declared on 31-Aug-2025 (category average is 0.95%)
Benchmark - CRISIL Hybrid 85+15 - Conservative Index

Min SIP amount - ₹
Min investment amount (one time- first time) - ₹
Min investment amount (addtional purchase) - ₹
Type : Open Ended Fund. You can invest any time in this fund.

Exit Load

Data not available.

Asset Monitor

Total AUM for this Scheme (Cr)

Category Total AUM (Cr)

% of Assets in Category

2025

174.53

0.00

0.00%

Aug - 2025	174.53	0.00%
Jul - 2025	176.70	0.00%
Jun - 2025	179.01	0.00%
May - 2025	179.48	0.00%
Apr - 2025	177.46	0.00%
Mar - 2025	175.48	0.00%
Feb - 2025	171.23	0.00%
Jan - 2025	174.71	0.00%

2024

177.04

0.00

0.00%

Dec - 2024	177.04	0.00	0.00%
Nov - 2024	177.76	0.00	0.00%
Oct - 2024	177.15	0.00	0.00%
Sep - 2024	180.04	0.00	0.00%
Aug - 2024	177.88	0.00	0.00%
Jul - 2024	176.96	0.00	0.00%
Jun - 2024	174.40	0.00	0.00%
May - 2024	171.25	27022.37	0.63%
Apr - 2024	169.40	26269.83	0.64%
Mar - 2024	169.56	25352.07	0.67%
Feb - 2024	167.98	24933.04	0.67%
Jan - 2024	166.70	24499.16	0.68%

2023

165.64

24051.60

0.69%

Dec - 2023	165.64	24051.60	0.69%
Nov - 2023	162.44	22692.50	0.72%
Oct - 2023	160.40	21422.05	0.75%
Sep - 2023	161.92	21606.14	0.75%
Aug - 2023	161.34	21272.31	0.76%
Jul - 2023	159.96	21026.73	0.76%
Jun - 2023	158.59	20210.32	0.78%
May - 2023	157.49	19461.40	0.81%
Apr - 2023	154.94	18740.21	0.83%
Mar - 2023	151.96	17987.14	0.84%
Feb - 2023	154.06	17809.25	0.87%
Jan - 2023	153.77	17794.41	0.86%

2022

152.78

17993.31

0.85%

Dec - 2022	152.78	17993.31	0.85%
Nov - 2022	152.63	18233.59	0.84%
Oct - 2022	150.63	17818.23	0.85%
Sep - 2022	148.39	17264.46	0.86%
Aug - 2022	148.50	17407.17	0.85%
Jul - 2022	146.17	16765.41	0.87%
Jun - 2022	142.06	15671.74	0.91%
May - 2022	142.97	16062.33	0.89%
Apr - 2022	144.23	16341.14	0.88%
Mar - 2022	144.95	16401.21	0.88%
Feb - 2022	143.70	15924.11	0.90%
Jan - 2022	143.82	16416.94	0.88%

2021

144.68

16444.54

0.88%

Dec - 2021	144.68	16444.54	0.88%
Nov - 2021	144.37	16154.05	0.89%
Oct - 2021	143.98	16294.89	0.88%
Sep - 2021	142.76	16150.65	0.88%
Aug - 2021	140.80	15700.89	0.90%
Jul - 2021	138.57	15132.20	0.92%
Jun - 2021	136.55	14741.97	0.93%
May - 2021	135.25	14411.14	0.94%
Apr - 2021	133.00	13689.10	0.97%
Mar - 2021	129.84	13568.28	0.96%
Feb - 2021	126.82	13380.56	0.95%
Jan - 2021	0.00	11808.61	0.00%

Tax Rate

Please check with your Tax Advisor.

Contact Details

SBI Funds Management Limited

9th Floor, Crescenzo, C-38 & 39, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400051
Tel no.: 022 - 61793000
Fax no.: 022 – 67425687
Website.: https://www.sbimf.com

Forum

hunch
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29 days ago

JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss View more

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  JMFLEXICAPfund regular is howing worst performance. bought at 107.693 in jly 24 and now 97.43 how to shuffle and compensate loss
  
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shravanashok
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45 days ago

need your suggestion for sbi psu fund direct growth stay or switch View more

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The Fixed Income
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5 hrs ago

Secure Long-Term Income with a State-Backed PSU Bond MEGHALAYA ENERGY CORPORATION LIMITED – 2033 Bond ???? Coupon: 10.55% p.a. ???? Rating: Acuite (SMERA) A-(CE) Stable, BRICKWORK (BWR) A-(CE) Stable ???? Tenor: 7y 6m (Maturity: 03/Apr/2033) ???? Secured | PSU Bond | High Return | Listed A robust, long-tenor PSU bond offering stability, consistent returns, and strong credit assurance. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPb1pnPT0=/1055-meghalaya-energy-corporation-limited-2033?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list View more

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  Secure Long-Term Income with a State-Backed PSU Bond MEGHALAYA ENERGY CORPORATION LIMITED – 2033 Bond ???? Coupon: 10.55% p.a. ???? Rating: Acuite (SMERA) A-(CE) Stable, BRICKWORK (BWR) A-(CE) Stable ???? Tenor: 7y 6m (Maturity: 03/Apr/2033) ???? Secured | PSU Bond | High Return | Listed A robust, long-tenor PSU bond offering stability, consistent returns, and strong credit assurance. ???? Explore on The Fixed Income: https://www.thefixedincome.com/product/dVJPb1pnPT0=/1055-meghalaya-energy-corporation-limited-2033?utm_source=Moneycontrol&utm_medium=Forum&utm_campaign=Product_list
  
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sunny85deol
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95 days ago

Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV. View more

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  Hello sir, I have been invested in these funds since 2017. Last SIP was in 2021. As their NAV have grown so I was thinking of switching to other funds with lower NAV.
  
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Progrowth Finwealth
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96 days ago

Hi Sunny, what is he period of holding and also any particular reson for withdrawl out of these two funds that have grown over a period of time View more | 1

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h_purandare
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102 days ago

Why are the NAVs of Indian Debt Mutual Funds going down after the rate cut View more

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