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Value Research Rating
Analyst’s Choice
Riskometer
Moderately High
₹14.6425 0.23%
As on 16-May-2025
As per SEBI's Riskometer.
Split between different types of investments
Split between categories of Equity investments
|
Fund name
|
Rating |
VR Opinion |
Risk
|
Return (%) |
|
Expense Ratio (%)
|
|---|---|---|---|---|---|---|
|
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan
|
|
|
Moderately High
|
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0.92 |
|
 |
|
High
|
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1.05 |
||
|
|
Moderately High
|
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1.14 |
||
|
|
High
|
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0.97 |
||
|
|
Moderately High
|
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0.48 |
₹177 Cr
--
5,000
500
500
12
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.
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."
Capital Gains Taxation
The following tax treatment is based upon last 12-months asset allocation and may vary from other funds in the category.
Disclaimer: The tax information has been prepared on a best-effort basis using information available in the public domain and other sources that Value Research considers reliable. This is not meant as tax advice, and we advise you to consult your tax advisor before making any decision. Value Research takes no responsibility and assumes no liability for any loss or damage arising from any investment or redemption decision based on this information.
Dividend Taxation
Subscribers of Value Research Fund Advisor can conveniently invest in the low-cost direct plan of SBI Retirement Benefit Fund - Conservative Plan - Direct Plan through the Value Research Fund Advisor website.
Alternatively, mutual funds can also be purchased directly from the respective fund house’s website. For example, SBI Retirement Benefit Fund - Conservative Plan - Direct Plan can be bought from the SBI Mutual Fund website. In such a case, if you are investing in multiple funds from different fund houses, you will need to transact separately on each fund house’s website.
The third option is to invest offline, by seeking assistance from a mutual fund distributor. Most banks also act as mutual fund distributors, and you can approach your bank for help in completing your investment.
The latest declared NAV of SBI Retirement Benefit Fund - Conservative Plan - Direct Plan, is ₹14.6425 as of 17-May-2025.
| Company | Percentage of Portfolio |
|---|---|
|
GOI Sec 6.79 07/10/2034 |
23.22
|
|
GOI Sec 7.30 19/06/2053 |
21.00
|
|
Bharat Sanchar Nigam Ltd SR II TR A Debenture 7.72 22/12/2032 |
5.83
|
|
GOI Sec 7.34 22/04/2064 |
4.53
|
|
Maharashtra State SDL 7.25 28/08/2044 |
2.96
|
Over the past five years, SBI Retirement Benefit Fund - Conservative Plan - Direct Plan has delivered an annualised return of --% as of 17-May-2025.
The minimum investment required to start investing in SBI Retirement Benefit Fund - Conservative Plan - Direct Plan is ₹5,000 for the lump sum option and ₹500 for the SIP (Systematic Investment Plan) option.
