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4 star

SBI Conservative Hybrid Fund


1 Lakh

Investment Grown to
₹ 1.40 Lakh

₹ 10000

Monthly SIP Grown to
₹ 4.39 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
Fund -0.43 0.32 -1.19 0.22 1.40 5.30 12.94 11.83 8.16 8.74 9.85
VR MIP TRI -0.39 0.30 -1.88 0.44 -1.65 4.75 9.52 10.16 9.19 8.14 9.40
Hybrid: Conservative Hybrid -0.19 0.23 -0.91 0.32 -0.01 3.70 9.44 8.28 6.94 7.15 8.83
Rank within category 24 12 27 22 2 8 6 3 5 4 5
Number of funds in category 36 36 36 36 36 36 33 30 30 28 27

As on 25-Jan-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
SBI Conservative Hybrid Fund  | Invest Online
4 star
Mar-01 12.94 11.83 8.16 1.10% 5,338
ICICI Prudential Regular Savings Fund  | Invest Now
5 star
Mar-04 10.10 10.39 9.28 1.75% 3,375
Kotak Debt Hybrid Fund - Regular Plan  | Invest Online
5 star
Dec-03 12.46 12.85 9.06 1.89% 1,268
Canara Robeco Conservative Hybrid Fund - Regular Plan  | Invest Online
5 star
Apr-01 9.30 11.26 8.66 1.85% 1,045
HDFC Hybrid Debt Fund  | Invest Online
3 star
Dec-03 13.01 10.48 7.77 1.85% 2,664

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.01 24-Mar-2020 - 31-Mar-2020 -6.43 16-Mar-2020 - 23-Mar-2020
Month 6.20 24-Mar-2020 - 23-Apr-2020 -11.93 20-Feb-2020 - 23-Mar-2020
Quarter 11.39 24-Mar-2020 - 23-Jun-2020 -9.59 23-Dec-2019 - 23-Mar-2020
Year 28.38 23-Mar-2020 - 23-Mar-2021 -8.50 12-Mar-2008 - 12-Mar-2009

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund 11.48 6.27 1.24 1.28 0.80 2.72
VR MIP TRI 10.03 6.79 0.93 1.14 -- --
Hybrid: Conservative Hybrid 8.13 6.28 0.81 0.96 0.68 0.14
Rank within category 2 19 6 6 22 4
Number of funds in category 30 30 30 30 30 30

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

As on 31-Dec-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 38
Number of Bonds 54
Average Maturity (yrs) 2.74
Top 10 Holdings (%) 24.40
Portfolio P/B Ratio 5.41
Portfolio P/E Ratio 38.49

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 6.79% GOI 15/05/2027 GOI Securities SOV 0.00 - 5.21 3.86
new 6.37% L&T Metro Rail (Hyderabad) 30/04/2025 Debenture AAA 0.00 - 3.28 3.28
equal 7.42% Power Finance Corporation 19/11/2024 Non Convertible Debenture AAA 0.00 - 3.70 2.84
new L&T Metro Rail (Hyderabad) 90-D 30/03/2022 Commercial Paper A1+ 0.00 - 2.78 2.78
equal 9.18% Andhra Pradesh State 28/05/2024 State Development Loan SOV 0.00 - 2.84 2.03
equal 8.28% Gujarat State 13/02/2029 State Development Loan SOV 0.00 - 2.33 2.03
equal 7.37% Maharashtra State 14/09/2026 State Development Loan SOV 0.00 - 2.25 1.96
equal 6.58% Gujarat State 31/03/2027 State Development Loan SOV 0.00 - 2.17 1.89
equal 6.25% Embassy Office Parks REIT 18/10/2024 Debenture AAA 0.00 - 2.29 1.87
equal 6.51% GOI 2024 GOI Securities SOV 0.00 - 2.27 1.86
equal 8.08% Tamilnadu State 26/12/2028 State Development Loan SOV 0.00 - 2.12 1.61
down 8.07% Bajaj Housing Finance 2022 Non Convertible Debenture AAA 0.00 - 2.72 1.43
equal 7.86% Karnataka State 15/03/2027 State Development Loan SOV 0.00 - 1.61 1.40
equal Tata Projects 309-D 28/06/2022 Commercial Paper A1+ 0.00 - 1.86 1.37
equal IndInfravit Trust 2038 Non Convertible Debenture AAA 0.47 - 2.04 1.32
equal 6.24% State Bank of India Additional Tier 2 Bond AAA 0.00 - 1.70 1.30
equal Mahindra Rural Housing Finance 26/05/2023 Debenture AA+ 0.00 - 4.49 1.20
equal 8.30% Muthoot Finance 2022 Debenture AA+ 0.00 - 1.53 1.10
equal 8.85% Power Finance Corporation 25/05/2029 Bonds/NCDs AAA 0.00 - 1.19 1.04
equal 7.62% Tamilnadu State 29/03/2027 State Development Loan SOV 0.00 - 1.14 0.99
equal 7.17% GOI 2028 GOI Securities SOV 0.98 - 2.69 0.98
equal 8.45% Sikka Ports and Terminals 2023 Debenture AAA 0.00 - 2.01 0.98
equal 8.70% Union Bank of India Additional Tier 1 Bond AA 0.00 - 1.07 0.94
equal KEC International 172-D 07/01/2022 Commercial Paper A1+ 0.00 - 1.27 0.94
equal 7.95% Bank of Baroda Additional Tier 1 Bond AA+ 0.00 - 1.07 0.94

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 Page Industries Textiles 103.29 1.38 0.00 1.21
up ICICI Bank Financial 24.77 1.51 0.58 0.97
up TVS Motor Company Automobile 36.25 1.12 0.00 0.94
equal L&T Technology Services Engineering 51.74 1.22 0.00 0.94
equal Tata Motors Automobile -- 1.11 0.00 0.90
equal JK Cement Construction 32.13 1.25 0.00 0.89
up FSN E-Commerce Ventures Services -- 0.94 0.00 0.79
equal Sheela Foam Consumer Durable 61.46 1.58 0.43 0.76
equal P&G Hygiene & Health Care FMCG 76.94 1.56 0.63 0.70
up Maruti Suzuki India Automobile 82.09 1.80 0.00 0.70
equal Max Healthcare Institute Healthcare 80.79 0.66 0.00 0.66
equal Ultratech Cement Construction 31.56 0.93 0.00 0.65
equal Thangamayil Jewellery Consumer Durable 27.62 1.38 0.00 0.64
equal Axis Bank Financial 18.76 1.40 0.63 0.64
equal Manappuram Finance Financial 7.39 0.95 0.00 0.62
up Larsen & Toubro Construction 30.67 1.35 0.49 0.60
equal V-Guard Industries Consumer Durable 40.11 1.39 0.00 0.58
equal Blue Star Consumer Durable 56.99 0.66 0.00 0.57
equal Wabco India Automobile 102.42 1.32 0.00 0.53
equal Sona BLW Precision Forgings Automobile 163.91 0.69 0.00 0.52
equal SBI Life Insurance Company Insurance 88.65 1.02 0.00 0.52
equal Titan Company Consumer Durable 117.34 1.42 0.45 0.49
equal Gokaldas Exports Textiles 31.74 0.47 0.00 0.47
equal Zomato Services -- 0.63 0.00 0.47
equal Bajaj Finance Financial 69.48 1.80 0.45 0.45

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-Dec-2021

Fund Manager

— Saurabh Pant since 01-Jan-2022

Education: Mr. Pant is a B.Com (H), MBE and CFA (Level III).

Experience: He has been associated with SBI Mutual Fund since 2007.

Funds Managed:

— Mansi Sajeja since 30-Jun-2021

Education: Ms. Sajeja is a CFA and has done Post Graduate Diploma in Business Management.

Experience: Prior to joining SBIFMPL, she was Rating Analyst at ICRA Limited.

Funds Managed:


0.32%

Change from previous, NAV as on 25-Jan-2022

Growth: ₹ 53.2762

IDCW Yearly: ₹ 18.7923

More

IDCW Quarterly: ₹ 15.3659

IDCW Monthly: ₹ 16.3649


Investment Strategy

The scheme seeks to provide the investors an opportunity to invest primarily in Debt and Money market instruments and secondarily in equity and equity related instruments.

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 (₹) 1,000
Lock-in Period Not Applicable
Exit Load For units in excess of 10% of the investment,1% will be charged for redemption within 365 days

Basic Details

Fund House: SBI Mutual Fund
Launch Date: 24-Mar-2001
Return Since Launch: 8.35%
Benchmark: NIFTY 50 Hybrid Composite Debt 15:85
Riskometer: Moderately High
Type: Open-ended
Assets: ₹ 5,338 Cr (As on 31-Dec-2021)
Expense: 1.10% (As on 31-Dec-2021)
Risk Grade: Average
Return Grade: Above Average
Turnover: --

Most Recent Dividends

Plan Record Date Dividend (₹ / Unit)  
IDCW Monthly28-Feb-20200.0360

 31-Jan-20200.0360
 27-Dec-20190.0360
 29-Nov-20190.0360
 25-Oct-20190.0360
 27-Sep-20190.0360
 30-Aug-20190.0360
 26-Jul-20190.0360
 28-Jun-20190.0360
 31-May-20190.0360
 30-Apr-20190.0360
 29-Mar-20190.0360
 28-Feb-20190.0360
 31-Jan-20190.0360
 28-Dec-20180.0360
 30-Nov-20180.0360
 31-Oct-20180.0360
 28-Sep-20180.0360
 31-Aug-20180.0360
 31-Jul-20180.0432
 27-Apr-20180.0288
 23-Mar-20180.0289
 23-Feb-20180.0289
 31-Jan-20180.0433
 29-Dec-20170.0433
IDCW Quarterly27-Dec-20190.1297

 27-Sep-20190.1441
 28-Jun-20190.1441
 29-Mar-20190.1441
 28-Dec-20180.1441
 07-Sep-20180.1441
 23-Mar-20180.1445
 29-Dec-20170.1806
 29-Sep-20170.1806
 30-Jun-20170.1733
 24-Mar-20170.1445
 30-Dec-20160.1445
 30-Sep-20160.1445
 30-Jun-20160.1445
 23-Mar-20160.1445
 23-Dec-20150.1445
 24-Sep-20150.1445
 26-Jun-20150.1589
 20-Mar-20150.2178
 29-Dec-20140.2178
 29-Sep-20140.2252
 27-Jun-20140.2494
 28-Mar-20140.1247
 27-Dec-20130.2000
 25-Mar-20130.3524
IDCW Yearly29-Mar-20190.5763

 23-Mar-20180.5778
 24-Mar-20170.5778
 23-Mar-20160.5417
 20-Mar-20150.8710
 28-Mar-20140.7013
 25-Mar-20130.8809
 30-Mar-20120.1498
 22-Mar-20110.1318
 26-Mar-20100.5256
 26-Mar-20080.4380
 28-Mar-20070.4385
 29-Mar-20060.6000
 24-Mar-20050.5250
 26-Mar-20041.5000
 28-Mar-20030.7750
 22-Mar-20021.0500

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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