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Unrated

SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan


Suitability:

Conservative hybrid funds invest roughly a quarter of your money in equity shares and the rest in bonds. These funds are suitable for those who cannot withstand too much volatility in the value of their investments and are content with moderate returns which are slightly higher than returns from fixed income options.

They may also suit those looking for a regular income from their accumulation. The debt portion of these funds provides a moderate, but steady stream of income. The small equity allocation though adds a bit of volatility, but helps boost returns to keep up with the rate of inflation over the long term.

Invest only if your investment horizon is three years or more. To derive dependable income with some degree of inflation protection, invest your accumulated savings in these funds gradually over at least a few months, and then maintain a withdrawal rate in the range of 4-6 per cent of the value of your investment every year.

Taxability of earnings:

The tax treatment of this fund may vary depending upon its asset allocation. It will be taxed in the following manner based on its average asset allocation in the last 12 months.

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund -- 0.02 -0.02 3.63 6.02 11.64 -- -- -- -- --
VR MIP TRI -- -0.01 0.24 3.41 5.35 9.11 -- -- -- -- --
Hybrid: Conservative Hybrid -- 0.25 0.22 2.29 4.23 7.83 -- -- -- -- --
Rank within category -- 26 24 5 5 3 -- -- -- -- --
Number of funds in category 32 35 35 35 35 34 32 29 29 27 26

As on 22-Sep-2021

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
SBI Retirement Benefit Fund - Conservative Hybrid Plan - Regular Plan
Unrated
Feb-21 -- -- -- 1.61 170
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 21.46 11.53 8.26 1.39 3,890
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 15.24 10.68 9.41 1.72 3,339
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 22.81 10.69 8.10 1.87 2,605
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 21.48 12.91 9.41 2.00 931

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 1.83 23-Aug-2021 - 30-Aug-2021 -0.88 10-Mar-2021 - 18-Mar-2021
Month 3.41 23-Apr-2021 - 25-May-2021 -0.65 17-Feb-2021 - 19-Mar-2021
Quarter 6.94 12-Apr-2021 - 14-Jul-2021 2.82 24-May-2021 - 23-Aug-2021
Year -- - -- -

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR MIP TRI* 9.70 7.04 0.80 0.99 -- --
Hybrid: Conservative Hybrid* 7.47 6.50 0.63 0.73 0.69 -0.49
Rank within category -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

The Risk Measures have been calculated using calendar month returns for the last three years.

As on

* As on 31-Aug-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 33
Number of Bonds 7
Average Maturity (yrs) 3.57
Top 10 Holdings (%) 60.46
Portfolio P/B Ratio 4.63
Portfolio P/E Ratio 36.99

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
up 5.63% GOI 2026 GOI Securities SOV 0.00 - 27.11 27.11
down 6.97% GOI 2026 GOI Securities SOV 0.00 - 13.05 9.28
equal 5.94% Rajasthan State 2025 State Development Loan SOV 0.00 - 6.08 5.98
equal Mahindra Rural Housing Finance 26/05/2023 Debenture AA+ 0.00 - 6.36 5.82
new 8.85% Kerala State 18/07/2022 State Development Loan SOV 0.00 - 3.07 3.07
equal 6.50% Tata Realty and Infrastructure 23/09/2022 Debenture AA 0.00 - 3.43 3.01
down Powergrid Infrastructure Investment Trust Infrastructure Investment Trust -- 0.00 - 1.16 0.29

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal ICICI Bank Financial 24.37 1.68 0.95 1.68
equal Sona BLW Precision Forgings Automobile 155.74 1.62 0.00 1.62
equal HDFC Bank Financial 25.88 1.56 1.24 1.49
equal Grindwell Norton Metals 55.35 1.44 0.05 1.40
equal Page Industries Textiles 95.24 1.37 1.01 1.34
equal HCL Technologies Technology 31.27 1.33 1.14 1.33
equal ABB India Ltd. Engineering 108.10 1.32 0.83 1.31
equal Divi's Laboratories Healthcare 66.67 1.30 0.69 1.30
equal V-Mart Retail Services -- 1.44 0.59 1.30
equal ICICI Prudential Life Insurance Co. Ltd. Insurance 204.12 1.17 0.74 1.17
equal State Bank of India Financial 15.67 1.28 1.09 1.17
equal ICICI Lombard General Insurance Company Insurance 65.09 1.16 0.00 1.16
equal Relaxo Footwears FMCG 96.75 1.14 0.91 1.10
up Cholamandalam Investment & Finance Company Financial 33.05 1.09 0.67 1.09
equal Wabco India Automobile 85.39 1.19 0.00 1.09
up Axis Bank Financial 28.60 1.08 0.75 1.08
equal Hindalco Inds. Metals 14.91 1.07 0.87 1.07
equal Hawkins Cookers Consumer Durable 35.82 1.13 0.00 1.07
equal Cipla Healthcare 30.62 1.07 0.71 1.07
equal P&G Hygiene & Health Care FMCG 70.19 1.07 0.70 1.07
equal Navin Fluorine International Chemicals 74.64 1.03 0.78 1.03
equal AIA Engineering Metals 33.70 1.14 0.00 1.02
equal Abbott India Healthcare 64.61 1.03 0.78 1.02
equal V-Guard Industries Consumer Durable 49.25 1.25 0.78 1.00
equal Esab India Engineering 47.14 0.99 0.87 0.99

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Aug-2021

Fund Manager

— Ardhendu Bhattacharya since 30-Jun-2021

Education: Mr. Bhattacharya is a MBA (Marketing) and Bachelor of Engineering.

Experience: Prior to joining SBI Mutual Fund, he has worked with ICICI Bank and Citibank.

Funds Managed:

— Dinesh Ahuja since 20-Jan-2021

Education: Mr. Ahuja is a B.Com (H) and MMS (Finance).

Experience: Prior to joining SBI AMC he has worked with L&T Investment management Ltd., Reliance Asset Management Ltd and Reliance General insurance Company Ltd.

Funds Managed:

— Gaurav Mehta since 20-Jan-2021

Education: Mr. Mehta has done PGBM, IIM Lucknow, B Tech., IIT Bombay, CFA Charter holder, CFA Institute, USA.

Experience: Prior to joining SBI Mutual Fund he has worked with Ambit Investment Advisor, Institutional equities at Ambit Capital & Edelweiss Capital.

Funds Managed:


0.02%

Change from previous, NAV as on 22-Sep-2021

Growth: ₹ 11.1870

IDCW: ₹ 11.1869


Investment Strategy

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

Investment Details

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum Balance (₹) 500
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: SBI Mutual Fund
Launch Date: 10-Feb-2021
Return Since Launch: 11.87%
Benchmark: CRISIL Hybrid 65+35 Conservative
Riskometer: High
Type: Open-ended
Assets: ₹ 170 Cr (As on 31-Aug-2021)
Expense: 1.61% (As on 31-Aug-2021)
Risk Grade: --
Return Grade: --
Turnover: --

Contact Information

AMC: SBI Funds Management Ltd

Address: 9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai - 400051

Phone: 022-61793000 / 1800-425-5425

Fax: 022-22189663

Email: [email protected]

Website: http://www.sbimf.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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