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Solution oriented · Retirement · SBI
SBI Retirement Benefit Fund - Conservative Plan
NAV, returns, holdings and category rank. Updated 6 Nov 2026.
SBI Retirement Benefit Fund - Conservative Plan is a Solution oriented · Retirement fund from SBI. Over the last three years its regular plan returned +6.4% a year, #22 of 26 Retirement funds on that measure. Its largest holdings are HDFC Bank Ltd, ICICI Bank Ltd, Larsen & Toubro Ltd.
At a glance
What it holds
- Banks 4%
- Automobiles 1%
- Pharmaceuticals & Biotechnology 1%
- Retailing 1%
- Auto Components 1%
- Finance 1%
- Other / cash 90%
19% in shares across 53 stocks. Biggest: HDFC Bank Ltd, ICICI Bank Ltd, Larsen & Toubro Ltd.
Last five years
How bumpy
Worst fall in five years
In past market falls
From AMFI NAV history (via mfapi.in) and NSE's Nifty 50 month-end levels, price only. Past performance may or may not be sustained in future. A description of the past, not a rating or a recommendation.
| Plan | NAV | 1 year | 3 years a yr | 5 years a yr | 3Y rank |
|---|---|---|---|---|---|
| Regular | ₹14.7367 | +2.73% | +6.42% | +6.53% | #22 of 26 |
| Direct | ₹15.157 | +3.21% | +6.91% | +7.03% | #25 of 27 |
1-year figures are absolute returns; 3 and 5-year figures are yearly compounded. Growth options, from AMFI's NAVs. Ranks compare the same plan within the category by past return; they are not a rating.
What SBI Retirement Benefit Fund - Conservative Plan owns
53 stocks, 19.0% of the fund in shares, from the portfolio SBI disclosed for September 2026.
Top 10 holdings
Sector mix
Other Retirement funds
| Fund | 1Y | 3Y | 5Y |
|---|---|---|---|
| ICICI Prudential Retirement Fund Pure Equity Plan | +2.49% | +18.54% | +16.48% |
| Aditya Birla Sun Life Retirement Fund-the 30s Plan | +11.39% | +15.75% | +10.74% |
| ICICI Prudential Retirement Fund Hybrid Aggressive Plan | +1.68% | +15.69% | +12.34% |
| Aditya Birla Sun Life Retirement Fund-the 40s Plan | +3.00% | +12.25% | +9.46% |
| Union Retirement Fund | +3.53% | +12.09% | — |
| Axis Retirement Fund - Dynamic Plan | −0.05% | +11.61% | +6.58% |
| Tata Retirement Savings Fund-Progressive Plan | +5.21% | +11.58% | +8.96% |
| Tata Retirement Savings Fund-Moderate Plan | +4.87% | +11.04% | +8.88% |
See all 29 Retirement funds ranked
Questions
What is the NAV of SBI Retirement Benefit Fund - Conservative Plan?
The regular plan's NAV was ₹14.7367 on 6 Nov 2026. The direct plan's NAV was ₹15.157 on 6 Nov 2026.
What returns has SBI Retirement Benefit Fund - Conservative Plan given?
Regular plan: +2.7% over 1 year, +6.4% a year over 3 years and +6.5% a year over 5 years, as of 6 Nov 2026. Past performance may or may not be sustained in future.
Which stocks does SBI Retirement Benefit Fund - Conservative Plan hold?
As disclosed for September 2026, its top holdings were HDFC Bank Ltd, ICICI Bank Ltd, Larsen & Toubro Ltd, out of 53 stocks.
Should I choose the regular or the direct plan?
Both plans hold the same portfolio. The direct plan has a lower expense ratio; the regular plan is bought through a distributor, who is paid a commission and helps you choose, invest and keep track.