SBI Retirement Benefit Fund-Conservative P-Dir(G) logo

SBI Retirement Benefit Fund Conservative P Direct Growth

Solution Oriented

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Retirement Fund

NAV ₹14.71 as on 17 Nov 2025

RiskModerately High

Fund Size₹175.20Cr

NAV₹14.71 as on 17 Nov 2025
RiskModerately High
Fund Size₹175.20Cr

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Investment Details
Top Rated Funds

Lock-in

5 Years

Min One Time Amount

₹5,000

Min Withdrawal Amount

₹-

Min SIP Amount

₹500

Min Additional Amount

₹1,000

Exit Load

Nil

Basic Details

Age

4 years 9 months (Since Feb 10, 2021)

Return since Launch

8.43%

Expense ratio

0.91%

Type

OPEN

AUM (Fund Size)

₹175.20

Risk Grade

Moderately High

Benchmark

CRISIL Hybrid 85+15 - Conservative Index

Calculate Your Returns
Select Duration
Choose Amount
Returns
Total investment of ₹2,40,000
Would have become ₹61,949 (+209.74%)
Fund Manager

Name:

Ardhendu Bhattacharya

Experience:

Mr. Ardhendu Bhattacharya (Fixed Income Dealer) joined SBIFML in April 2019. He has over 13 years of experience in finance sector. Prior to joining SBIFML, he was previously associated with following entities. ICICI Bank Limited (June 2014 - April 2019) - Primarily involved in trading in money markets and short term corporate bonds Citibank N.A. ( April 2010 - June 2013) - Principally handled currency and trade sales

Asset Allocation

GSEC2054 16.81%

GSEC2065 16.26%

TREPS 14.32%

Bharat Sanchar 5.90%

Summit Digitel. 4.35%

GSEC2035 4.22%

Torrent Power 3.00%

REC Ltd 2.95%

Sundaram Finance 2.95%

Tata Power Rene. 2.93%

Godrej Propert. 2.87%

Union Bank (I) 2.30%

Net CA & Others 1.51%

TVS Motor Co. 0.00%

See All
Scheme Holding Summary

Govt. Securities

Debt Others

Bharat Sanchar Nigam Ltd

5.90%

Summit Digitel Infrastructure Ltd

4.35%

REC Ltd

2.95%

Tata Power Renewable Energy Ltd

2.93%

Banks

Refineries

Automobile

IT - Software

Infrastructure Developers & Operators

E-Commerce/App based Aggregator

Cement

Non Ferrous Metals

Bearings

Quick Service Restaurant

Pharmaceuticals

Auto Ancillaries

Chemicals

Finance

Paints/Varnish

Ceramic Products

Electronics

Power Generation & Distribution

Realty

DLF Ltd

0.25%

Consumer Durables

Insurance

Capital Goods-Non Electrical Equipment

Capital Goods - Electrical Equipment

Readymade Garments/ Apparells

Sugar

Castings, Forgings & Fastners

Healthcare

Hotels & Restaurants

Preference n Warrants

See All
RiskometerLevel of risk in the scheme
Moderate
High
Low
Very
High

Your investment will be at Moderately High Risk

Fund house & investment objective
Rank (total assets)#1 in India
Total AUM₹12,07,585.39Cr
Date of Incorporation07 Feb 1992
SBI Retirement Benefit Fund Conservative P Direct Growth is a Solution Oriented Mutual Fund Scheme launched by SBI Mutual Fund. This scheme was made available to investors on 10 Feb 2021. The fund currently has an Asset Under Management(AUM) of ₹12,07,585.39 Cr and the Latest NAV as of 17 Nov 2025 is ₹14.71.
The SBI Retirement Benefit Fund Conservative P Direct Growth is rated Moderately High. Minimum SIP Investment is set to ₹500 . Minimum Lumpsum Investment is ₹5,000. Exit load of Nil.
...Read more
Returns and Rankings

Category: Solution Oriented Retirement Fund

1Y3Y5YAll
Fund returns5.75%2.88%-2.04%
Category average7.78%4.25%2.47%-
Rank within category222017-

FAQ’s

What kind of returns does SBI Retirement Benefit Fund Conservative P Direct Growth provide?

SBI Retirement Benefit Fund Conservative P Direct Growth has given a return of 8.90% in the past 3 years.

What is the expense ratio charged by SBI Retirement Benefit Fund Conservative P Direct Growth?

The Expense Ratio charged by SBI Retirement Benefit Fund Conservative P Direct Growth is 0.91%.

What is the AUM size of SBI Retirement Benefit Fund Conservative P Direct Growth?

The AUM size of SBI Retirement Benefit Fund Conservative P Direct Growth is ₹175.20Cr.

What is the minimum SIP amount that you can invest in SBI Retirement Benefit Fund Conservative P Direct Growth?

₹500 is the minimum SIP amount that you can invest in SBI Retirement Benefit Fund Conservative P Direct Growth .

What are the top stock holdings of SBI Retirement Benefit Fund Conservative P Direct Growth?

The top stock holdings of SBI Retirement Benefit Fund Conservative P Direct Growth include

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start building your wealth journey

*By clicking, I agree to the T&C and Whatsapp updates.