SolutionRetirement FundDirect · Growth
SBI Retirement Benefit Fund - Conservative Plan - Direct Plan - Growth
SBI · Scheme 148688
₹15.08▼ 0.18%NAV · 2026-09-18
Average FundScore
AUM
₹141 cr
Expense ratio
0.97%
3Y CAGR
7.3%
Risk level
Low to Moderate
Min SIP
₹500
Benchmark
Nifty 500 TRI
Fund manager: Dinesh AhujaExit load: Nil
Average · 53/100
Middle-of-the-pack — compare it against better-scored peers.
🎯 Best held for the long term (5+ years) as part of a diversified portfolio.
📈 Why it could do well
- ✓Protects capital well — worst-ever fall was only 4%.
- ✓Low volatility (3% a year) — a steady, low-drama ride.
- ✓Positive 3Y windows: 100% of rolling 3Y windows positive
- ✓Return stability: rolling-return std 1.0%
📉 What could drag it down
- •Weak risk-adjusted returns (Sharpe 0.37) — took on risk without enough payoff.
- •3Y CAGR: +7.3%
- •3Y CAGR vs category: -3.6% vs category avg
FundScore breakdown
53/100 · Average
Returns
Weak
Consistency
Decent
Risk-adjusted
Weak
Downside protection
Excellent
Cost efficiency
Decent
Portfolio quality
Average
Each dial rates the fund 0–100 on one factor, computed from real NAV history. Fuller & greener = stronger.
SIP return calculator
Back-tested on this fund's actual historical NAVs. Past performance ≠ future returns.