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SOLUTION ORIENTED•RETIREMENT FUND

SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout

3 Year return

8.59%
NAV on December 19, 2025
14.6969
1D Returns
0%
Launched on January 2021(4 years)

Investment Details

₹500
Minimum SIP Amount
₹5000
Minimum one time investment
Lock-in period: 5.0000 years

Calculate Returns

Based on past performance of this fund

₹
Your Investment₹3,600
Gain
14.42%₹519
Total Value ₹4,119

Risk Involved

scale
Your principal will be at
Very High Risk

Scheme Information

Asset Under Management
₹174.57 Cr.
Expense Ratio
0.91% (inclusive of GST)
Exit Load
Nil

Ratings

ARQ Rating
0

Ratings by other agencies

Value Research
0
Crisil
0
Morning Star
0

Tax Implications

Tax on gains as per your income tax bracket

SBI Mutual Fund Manager

AB

Ardhendu Bhattacharya

Fund Manager since Jul 2021

PK

Pradeep Kesavan

Fund Manager since Apr 2024

RS

Rohit Shimpi

Fund Manager since Jun 2024

Fund House Details

SBI Mutual Fund

SBI Mutual Fund

Asset management company

AUM
₹12,07,585.39 Cr.
No. of Schemes
252
Setup Date
June 1987

Peer Comparison

Comparison with other similar funds

Funds3 Y ReturnsARQ Rating
HDFC Retirement Savings Fund Equity18.4766%
5
Nippon India Retirement Fund Wealth Creation Scheme16.9695%
3.5
HDFC Retirement Savings Fund Hybrid Equity15.278%
5

Schemes by SBI Mutual Fund

List of mutual fund schemes by AMC

About the SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout

The SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout is a hybrid debt mutual fund by SBI Mutual Fund that aims to generate income for investors by investing in a mix of debt and equity securities. The fund has a conservative investment objective and is suitable for investors who are looking for a steady stream of income in retirement. The SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout is an open ended fund. This means that new units can be bought and sold on a daily basis. The expense ratio of the fund is lower than the category average.

Investment Objectives of the Scheme

The investment objective of the SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout is to generate income by investing in a mix of debt and equity securities. The fund will invest the majority of its assets in debt securities, with the remaining being invested in equity securities. The fund's debt investments will be primarily in government securities and high-quality corporate bonds. Its equity investments will be in large-cap and mid-cap stocks with a good track record of paying dividends.

Key Features of The Fund

5-year return
0%
Expense Ratio
0.91%
Fund Manager
Ardhendu Bhattacharya
Fund Size
₹174.57 Cr.
Risk Profile
Moderately High

Is This Scheme Right for Me?

The SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout is suitable for investors who are looking for a steady stream of income in retirement. The fund's conservative investment objective and mix of debt and equity securities make it a good option for investors who want to reduce their risk in the stock market. However, talk to your financial advisor and do your own research before making a decision.

AMC Contact Details

NameSBI Mutual Fund
Launch DateJune 1987
Address9th Floor, Crescenzo, C-38 & 39, G Block, Bandra-Kurla Complex, Mumbai, Maharashtra, India - 400 051
Contact1800 209 33331800 425 5425
Emailcustomer.delight@sbimf.com
Websitehttps://www.sbimf.com/
Disclaimer: Mutual funds are subject to market risk. Read all scheme-related documents carefully to make informed-decision.

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FAQs

NAV, or Net Asset Value, is the price of a single unit of a mutual fund. It is calculated by dividing the current value of holdings held by the mutual fund scheme at the end of the day by the total number of units issued. The NAV changes every day. The NAV of SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout on December 19, 2025, is ₹14.6969
Short for Asset Under Management, AUM means the total assets held by a mutual fund scheme. The AUM of the fund changes every day based on the fluctuation in the price of the underlying assets. Fund houses don't update AUM on a daily basis. They only update it at the end of the month and release it within a few days of the following month. The AUM of SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout, is ₹174.57 crore.
The expense ratio is the annual charges you pay to the mutual fund house for managing your investments. It is a percentage of Assets Under Management. It is deducted from the fund's returns. The expense ratio of SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout is 0.91%
The SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout was launched on January 20, 2021. The fund has delivered a CAGR of undefined since inception.
A Systematic Investment Plan (SIP) in mutual funds allows you to invest small amounts periodically instead of a one-time investment. The frequency of investment can be monthly, quarterly, half-yearly or annually, as per your convenience. The minimum SIP for SBI Retirement Benefit Fund Conservative Plan Direct Plan IDCW Payout is ₹500.
  1. Make sure you are logged in to Angel One.
  2. Select the type of investment: SIP or one-time.
  3. In case of an SIP, select the amount and date and click ‘Start SIP’. In case of a one-time investment, enter just the amount.
  4. Proceed by clicking the pay button and choosing your mode of payment.
  5. Your portfolio will be updated with this investment in 3-5 working days.
  1. Click on the ‘Invest’ button.
  2. Enter your desired SIP amount and the SIP date.
  3. You can uncheck the ‘Make first payment now’ box if you don’t want to make the payment right away.
  4. Choose your payment method between UPI and Net Banking.
  5. Make your payment.
  6. Your SIP is created.
  1. Once you create an SIP, click on ‘Set up autopay’
  2. Select your desired verification method - debit card, net banking or Aadhar method credentials - and click on submit.
  3. Once you verify the OTP, your mandate request will be created.
  1. Go to the ‘Investments’ section and click on the mutual fund scheme you want to withdraw.
  2. Enter the amount you want to withdraw and tap the ‘Withdraw’ button.
  3. Verify the details on the ‘Confirm withdraw’ screen.
  4. Select the bank account in which you want to receive the funds.
  5. You will receive your funds within three working days of placing the order.
  6. You can track your order in the ‘Orders’ section.

ENTER AMOUNT

₹
₹4,119 in 3Y at 8.5927% returns
SIP Date1st of every month

Your next SIP Payment will be on 19 January 2026

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