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SBI Retirement Benefit Fund - Conservative Plan - Regular Plan download report


1 Lakh

Investment Grown to
₹ 1.02 Lakh

₹ 10000

Monthly SIP Declined to
₹ 1.19 Lakh

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
SBI Retirement Benefit Fund - Conservative Plan Reg-G -1.38 0.08 1.05 -0.37 -1.66 -0.89 2.35 -- -- -- --
VR MIP TRI -3.75 0.36 1.35 -0.78 -3.68 -2.95 1.31 -- -- -- --
Hybrid: Conservative Hybrid -2.12 0.20 0.84 -0.42 -1.88 -1.62 2.79 -- -- -- --
Rank within category 9 35 8 17 11 9 17 -- -- -- --
Number of funds in category 35 36 36 36 36 35 35 31 29 28 26

As on 24-Jun-2022

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 2.35 -- -- 1.37% 143
SBI Conservative Hybrid Fund  | Invest Online
4 star
Mar-01 5.03 9.37 6.86 1.10% 6,010
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 4.87 8.35 7.58 1.75% 3,246
HDFC Hybrid Debt Fund  | Invest Online
4 star
Dec-03 3.35 7.92 6.24 1.82% 2,664
Aditya Birla Sun Life Regular Savings Fund  | Invest Online
4 star
May-04 4.20 7.91 5.80 1.88% 1,664

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 1.49 07-Mar-2022 - 14-Mar-2022 -1.79 02-May-2022 - 09-May-2022
Month 2.74 07-Mar-2022 - 06-Apr-2022 -2.67 06-Apr-2022 - 06-May-2022
Quarter 4.04 15-Mar-2021 - 14-Jun-2021 -2.90 17-Mar-2022 - 16-Jun-2022
Year 8.39 17-Mar-2021 - 17-Mar-2022 1.48 16-Jun-2021 - 16-Jun-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
SBI Retirement Benefit Fund - Conservative Plan Reg-G -- -- -- -- -- --
VR MIP TRI* 7.56 6.88 0.59 0.74 -- --
Hybrid: Conservative Hybrid* 6.40 6.40 0.50 0.54 0.67 0.20
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-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 35
Number of Bonds 12
Average Maturity (yrs) 8.38
Top 10 Holdings (%) 58.87
Portfolio P/B Ratio 3.82
Portfolio P/E Ratio 28.47

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
new 7.54% GOI 23/05/2036 GOI Securities SOV 0.00 - 20.87 20.87
down 6.54% GOI 17/01/2032 GOI Securities SOV 0.00 - 26.58 9.86
equal Mahindra Rural Housing Finance 26/05/2023 Debenture AA+ 6.83 - 7.24 6.99
equal 8.91% Gujarat State 22/08/2022 State Development Loan SOV 0.00 - 3.72 3.53
equal 8.70% Union Bank of India Additional Tier 1 Bond AA 0.00 - 3.51 3.50
equal 6.50% Tata Realty and Infrastructure 23/09/2022 Debenture AA 3.47 - 3.69 3.50
equal 7.95% Bank of Baroda Additional Tier 1 Bond AA+ 0.00 - 3.48 3.48
new 5.74% GOI 15/11/2026 GOI Securities SOV 0.00 - 3.31 3.31
equal 8.21% Rajasthan State 31/03/2024 State Development Loan SOV 0.00 - 2.45 2.39
equal Reserve Bank of India 182-D 23/06/2022 Treasury Bills SOV 0.00 - 0.00 0.00
equal State Bank of India 24/11/2031 Interest Rate Swap -- 0.00 - -3.45 -3.50
equal ICICI Securities Primary Dealership 17/11/2031 Interest Rate Swap -- 0.00 - -3.45 -3.50

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 HDFC Bank Financial 19.80 1.50 0.41 1.44
equal ICICI Bank Financial 19.87 1.27 0.26 1.27
up Infosys Technology 28.06 1.20 0.00 1.20
equal HDFC Financial 17.63 0.92 0.00 0.90
up Maruti Suzuki India Automobile 65.67 0.77 0.00 0.77
equal Grindwell Norton Metals & Mining 59.08 0.83 0.02 0.75
equal Esab India Capital Goods 63.69 0.80 0.46 0.72
up Ultratech Cement Materials 21.87 0.71 0.00 0.71
equal Axis Bank Financial 13.86 0.75 0.26 0.68
up Larsen & Toubro Construction 24.89 0.67 0.00 0.67
equal The Indian Hotels Company Services -- 0.73 0.25 0.67
equal ABB India Ltd. Capital Goods 64.65 0.64 0.28 0.64
equal State Bank of India Financial 11.64 0.65 0.43 0.62
equal Cholamandalam Investment & Finance Company Financial 24.18 0.66 0.28 0.55
equal Timken India Capital Goods 55.50 0.48 0.00 0.48
equal Hindalco Inds. Metals & Mining 5.40 0.64 0.34 0.48
equal Chalet Hotels Services -- 0.48 0.00 0.48
equal Cipla Healthcare 29.89 0.53 0.27 0.47
equal V-Mart Retail Services 416.69 0.63 0.25 0.47
equal ZF Commercial Vehicle Control Systems India Automobile 97.55 0.52 0.00 0.47
equal AIA Engineering Metals & Mining 33.69 0.43 0.00 0.43
equal Page Industries Textiles 83.49 0.51 0.33 0.40
equal ICICI Lombard General Insurance Company Insurance 43.79 0.41 0.00 0.40
equal ICICI Prudential Life Insurance Co. Ltd. Insurance -- 0.39 0.27 0.39
equal V-Guard Industries Consumer Discretionary 42.02 0.47 0.30 0.37

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-2022

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:

— Rohit Shimpi since 01-Oct-2021

Education: Mr. Shimpi is a B. Com., PGDBM (Finance), CFA.

Experience: Prior to joining SBI Mutaul Fund, he has worked with CNBC TV18, JP Morgan’s offshore research centre and HDFC Standard Life Insurance.

Funds Managed:


0.08%

Change from previous, NAV as on 24-Jun-2022

Growth: ₹ 10.6315

IDCW: ₹ 10.6314


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

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. 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: 4.58%
Benchmark: NIFTY Composite Debt Index
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 143 Cr (As on 31-May-2022)
Expense: 1.37% (As on 31-May-2022)
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

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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