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Unrated

SBI Retirement Benefit Fund - Conservative 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 -- -0.17 -0.18 1.01 3.56 -- -- -- -- -- --
VR MIP TRI -- 0.07 0.37 3.24 3.56 -- -- -- -- -- --
Hybrid: Conservative Hybrid -- -0.19 0.13 2.16 3.23 -- -- -- -- -- --
Rank within category -- 14 36 35 12 -- -- -- -- -- --
Number of funds in category 34 37 37 36 36 34 34 31 31 28 26

As on 16-Jun-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 Plan - Regular Plan
Unrated
Feb-21 -- -- -- 1.65 135
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 16.49 9.47 9.96 1.76 3,260
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 25.29 9.66 9.01 1.88 2,500
SBI Debt Hybrid Fund  | Invest Online
4 star
Mar-01 22.49 9.59 8.68 1.18 1,436
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 22.30 11.10 9.92 2.24 582

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 0.75 20-Apr-2021 - 28-Apr-2021 -0.28 08-Apr-2021 - 15-Apr-2021
Month 1.84 20-Apr-2021 - 21-May-2021 -0.10 17-Feb-2021 - 19-Mar-2021
Quarter 4.02 12-Mar-2021 - 11-Jun-2021 2.78 17-Feb-2021 - 19-May-2021
Year -- - -- -

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR MIP TRI* 9.52 6.87 0.76 0.89 -- --
Hybrid: Conservative Hybrid* 6.97 6.51 0.51 0.61 0.72 -1.10
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-May-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 32
Number of Bonds 6
Average Maturity (yrs) 3.87
Top 10 Holdings (%) 86.07
Portfolio P/B Ratio 4.62
Portfolio P/E Ratio 35.29

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
equal 5.15% GOI 2025 GOI Securities SOV 47.50 - 69.20 47.50
equal 5.22% GOI 15/06/2025 GOI Securities SOV 0.00 - 18.68 18.39
new Mahindra Rural Housing Finance 26/05/2023 Debenture AA+ 0.00 - 7.33 7.33
new 5.63% GOI 2026 GOI Securities SOV 0.00 - 5.93 5.93
equal 6.50% Tata Realty and Infrastructure 23/09/2022 Debenture AA 0.00 - 3.87 3.71
new Powergrid Infrastructure Investment Trust Infrastructure Investment Trust -- 0.00 - 1.11 1.11

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 Grindwell Norton Metals 54.31 0.57 0.02 0.57
equal Privi Speciality Chemicals Chemicals 37.43 0.53 0.00 0.53
equal State Bank of India Financial 16.94 0.51 0.43 0.51
equal Relaxo Footwears FMCG 93.70 0.49 0.38 0.49
equal Asian Paints Chemicals 93.09 0.48 0.39 0.48
equal Esab India Engineering 48.75 0.50 0.46 0.47
equal V-Guard Industries Cons Durable 56.58 0.47 0.30 0.47
equal HCL Technologies Technology 23.91 0.50 0.45 0.46
up V-Mart Retail Services -- 0.46 0.25 0.46
equal HDFC Bank Financial 25.54 0.48 0.42 0.45
equal Wabco India Automobile 133.37 0.45 0.00 0.45
equal Neogen Chemicals Chemicals 62.00 0.42 0.29 0.42
equal Page Industries Textiles 98.15 0.42 0.40 0.41
equal Hindalco Inds. Metals 24.35 0.39 0.34 0.39
equal AIA Engineering Metals 33.40 0.42 0.00 0.38
equal Divi's Laboratories Healthcare 57.31 0.37 0.27 0.37
equal Navin Fluorine International Chemicals 65.23 0.39 0.30 0.36
equal Hawkins Cookers Cons Durable 39.50 0.36 0.00 0.36
equal ABB India Ltd. Engineering 115.52 0.33 0.28 0.33
equal GAIL Energy 11.82 0.33 0.29 0.33
equal Cholamandalam Investment & Finance Company Financial 30.25 0.35 0.33 0.33
equal Abbott India Healthcare 50.58 0.32 0.30 0.32
equal ICICI Prudential Life Insurance Co. Ltd. Financial -- 0.32 0.27 0.32
equal Cipla Healthcare 32.04 0.31 0.27 0.31
equal The Indian Hotels Company Services -- 0.31 0.25 0.31

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-May-2021

Fund Manager

— 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:


-0.17%

Change from previous, NAV as on 16-Jun-2021

Growth: ₹ 10.3656

IDCW: ₹ 10.3656


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: 3.66%
Benchmark: NIFTY Composite Debt TRI
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 135 Cr (As on 31-May-2021)
Expense: 1.65% (As on 31-Mar-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

Upcoming Video

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Your investment strategy after the debt fund fiasco

DateFriday, 18-Jun-2021
Time12:30 PM - 01:00 PM