Sbi Retirement Benefit Fund Conservative Plan Overview
Category Retirement Fund
BMSMONEY Rank 19
BMSMONEY Rating
Gro. Opt. As On: 29-01-2025
NAV ₹13.7(R) +0.26% ₹13.98(D) +0.26%
Returns 1Y 3Y 5Y 7Y 10Y
LumpSum (R) 8.42% 8.31% -% -% -%
LumpSum (D) 8.92% 8.83% -% -% -%
SIP (R) -10.79% 7.11% -% -% -%
SIP (D) -10.38% 7.63% -% -% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.42 0.2 0.7 -% -
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
3.18% -2.47% -1.88% - 2.22%
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Tata Retirement Savings Fund-Moderate Plan 4
Tata Retirement Savings Fund-Progressive Plan 5
Nippon India Retirement Fund - Wealth Creation Scheme 6

NAV Date: 29-01-2025

Scheme Name NAV Rupee Change Percent Change
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 13.7
0.0400
0.2600%
SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Growth 13.7
0.0400
0.2600%
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth 13.98
0.0400
0.2600%
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 13.98
0.0400
0.2600%

Review Date: 29-01-2025

SBI Retirement Benefit Fund Conservative Plan has exhibited poor performance in the Retirement Fund category. The fund has rank of 19 out of 25 funds in the category. The fund has delivered return of 8.42% in 1 year and 8.31% in 3 years. The category average for the same periods is 9.72% and 10.52% respectively, which shows average return performance of fund in the category. The fund has exhibited standard deviation of 3.18, VaR of -2.47, Average Drawdown of -0.74, Semi Deviation of 2.22 and Max Drawdown of -1.88. The category average for the same parameters is 7.95, -8.96, -3.54, 5.55 and -7.43 respectively. The fund has very low risk in the category.
  • standard deviation of 3.18 and based on VaR one can expect to lose more than -2.47% of current value of fund in one year.
  • Sharpe ratio of the fund is 0.42 which shows good performance of fund in the retirement fund category.


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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.02 -4.91
    -3.26
    		-8.16 | 0.61 3 | 29 Very Good
    3M Return % 0.09 -6.67
    -3.35
    		-8.02 | 1.52 3 | 29 Very Good
    6M Return % 1.22 -8.83
    -3.37
    		-9.51 | 3.27 3 | 29 Very Good
    1Y Return % 8.42 8.83
    9.72
    		6.22 | 15.79 15 | 27 Average
    3Y Return % 8.31 13.65
    10.52
    		4.32 | 18.21 18 | 25 Average
    1Y SIP Return % -10.79
    -4.95
    		-13.46 | 5.51 20 | 27 Average
    3Y SIP Return % 7.11
    11.74
    		3.68 | 22.41 20 | 25 Average
    Standard Deviation 3.18
    7.95
    		1.17 | 13.76 3 | 25 Very Good
    Semi Deviation 2.22
    5.55
    		0.94 | 9.72 3 | 25 Very Good
    Max Drawdown % -1.88
    -7.43
    		-16.28 | -0.64 2 | 25 Very Good
    VaR 1 Y % -2.47
    -8.96
    		-17.51 | -0.28 3 | 25 Very Good
    Average Drawdown % -0.74
    -3.54
    		-7.99 | -0.53 2 | 25 Very Good
    Sharpe Ratio 0.42
    0.32
    		-1.67 | 1.01 14 | 25 Good
    Sterling Ratio 0.70
    0.64
    		0.34 | 1.05 10 | 25 Good
    Sortino Ratio 0.20
    0.19
    		-0.46 | 0.54 15 | 25 Average
    Return data last Updated On : Jan. 29, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.02 -4.91 -3.16 -8.05 | 0.71 3 | 29
    3M Return % 0.20 -6.67 -3.06 -7.73 | 1.77 3 | 29
    6M Return % 1.45 -8.83 -2.79 -9.07 | 3.79 4 | 29
    1Y Return % 8.92 8.83 10.99 7.47 | 17.38 20 | 27
    3Y Return % 8.83 13.65 11.82 5.60 | 19.86 20 | 25
    1Y SIP Return % -10.38 -3.83 -12.92 | 6.20 21 | 27
    3Y SIP Return % 7.63 13.06 4.95 | 24.15 21 | 25
    Standard Deviation 3.18 7.95 1.17 | 13.76 3 | 25
    Semi Deviation 2.22 5.55 0.94 | 9.72 3 | 25
    Max Drawdown % -1.88 -7.43 -16.28 | -0.64 2 | 25
    VaR 1 Y % -2.47 -8.96 -17.51 | -0.28 3 | 25
    Average Drawdown % -0.74 -3.54 -7.99 | -0.53 2 | 25
    Sharpe Ratio 0.42 0.32 -1.67 | 1.01 14 | 25
    Sterling Ratio 0.70 0.64 0.34 | 1.05 10 | 25
    Sortino Ratio 0.20 0.19 -0.46 | 0.54 15 | 25
    Return data last Updated On : Jan. 29, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Dec. 31, 2024
    KPIs: Key Performance Indicators

    Investment Period Regular Direct
    Return % Current Value of ₹ 10000 Return % Current Value of ₹ 10000
    1D 0.26 ₹ 10,026.00 0.26 ₹ 10,026.00
    1W 0.09 ₹ 10,009.00 0.10 ₹ 10,010.00
    1M -0.02 ₹ 9,998.00 0.02 ₹ 10,002.00
    3M 0.09 ₹ 10,009.00 0.20 ₹ 10,020.00
    6M 1.22 ₹ 10,122.00 1.45 ₹ 10,145.00
    1Y 8.42 ₹ 10,842.00 8.92 ₹ 10,892.00
    3Y 8.31 ₹ 12,706.00 8.83 ₹ 12,889.00
    5Y ₹ ₹
    7Y ₹ ₹
    10Y ₹ ₹
    15Y ₹ ₹

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.

    Investment Period Invested Amount Regular Direct
    XIRR % Current Value of Invested Amount XIRR % Current Value of Invested Amount
    1Y ₹ 12000 -10.79 ₹ 11,285.24 -10.38 ₹ 11,312.52
    3Y ₹ 36000 7.11 ₹ 40,097.02 7.63 ₹ 40,408.85
    5Y ₹ 60000 ₹ ₹
    7Y ₹ 84000 ₹ ₹
    10Y ₹ 120000 ₹ ₹
    15Y ₹ 180000 ₹ ₹


    Date Sbi Retirement Benefit Fund Conservative Plan NAV Regular Growth Sbi Retirement Benefit Fund Conservative Plan NAV Direct Growth
    29-01-2025 13.7027 13.98
    28-01-2025 13.6673 13.9438
    27-01-2025 13.668 13.9443
    24-01-2025 13.6835 13.9595
    23-01-2025 13.6984 13.9746
    22-01-2025 13.6899 13.9658
    21-01-2025 13.6764 13.9517
    20-01-2025 13.6854 13.9607
    17-01-2025 13.6593 13.9336
    16-01-2025 13.6794 13.954
    15-01-2025 13.6221 13.8953
    14-01-2025 13.6052 13.8779
    13-01-2025 13.5813 13.8533
    10-01-2025 13.6833 13.9569
    09-01-2025 13.7038 13.9776
    08-01-2025 13.7206 13.9946
    07-01-2025 13.7356 14.0097
    06-01-2025 13.7118 13.9852
    03-01-2025 13.7425 14.016
    02-01-2025 13.7552 14.0288
    01-01-2025 13.7299 14.0028
    31-12-2024 13.7234 13.996
    30-12-2024 13.7058 13.9779

    Fund Launch Date: 10/Feb/2021
    Fund Category: Retirement Fund
    Investment 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. However, there can be no assurance that theinvestment objective of the Scheme will be realized.
    Fund Description: An open-ended retirement solution-oriented scheme having a lock-in of 5 years or till retirement age whichever is earlier
    Fund Benchmark: NIFTY Composite Debt Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.