CRISIL HYBRID 65+35 - CONSERVATIVE INDEX · Retirement· NAV-verified
SBI Retirement Benefit Fund - Conservative Hybrid Plan
₹248 cr across 52 positions, as filed for 2026-09-30. Returns are the fund's AMFI growth-plan NAV; holdings and behavior come from its filed monthly portfolios.
Returns, against the category
Q2 FY27: +1% over 1 year against the median Retirement fund's +1%.
| Over | Quarter | 1 year | 3 years (ann.) | 5 years (ann.) |
|---|---|---|---|---|
| SBI Retirement Benefit Fund - Conservative Hybrid Plan | −1% | +1% | +6% | +7% |
| Median Retirement fund | −2% | +1% | +7% | +7% |
+15%Q3 FY24+17%Q4 FY24+17%Q1 FY25+18%Q2 FY25+9%Q3 FY25+7%Q4 FY25+5%Q1 FY260%Q2 FY26+5%Q3 FY26−2%Q4 FY26+1%Q1 FY27+1%Q2 FY27
What moved the fund, last 12 filed months
Contribution = the fund's filed weight each month × that stock's price move in its own filings, in percentage points of NAV. Corporate-action months are left out.
| Stock | 12 months | Latest month |
|---|---|---|
| Urban Company Ltd. | +0.4 pp | −0.1 pp |
| Sona Blw Precision Forgings Ltd. | +0.4 pp | +0.0 pp |
| Hindalco Industries Ltd. | +0.3 pp | 0.0 pp |
| Navin Fluorine International Ltd. | +0.3 pp | −0.0 pp |
| TVS Motor Company Ltd. | +0.2 pp | −0.0 pp |
| Stock | 12 months | Latest month |
|---|---|---|
| HDFC Bank Ltd. | −0.8 pp | −0.0 pp |
| Urban Company Ltd. $ | −0.4 pp | 0.0 pp |
| Infosys Ltd. | −0.4 pp | 0.0 pp |
| ICICI Bank Ltd. | −0.3 pp | −0.2 pp |
| Jubilant Foodworks Ltd. | −0.2 pp | −0.0 pp |
Holdings, as filed for 2026-09-30
| Holding | Sector | % of fund | Value | Held for | Vs avg cost |
|---|---|---|---|---|---|
| HDFC Bank | Financial Services | 2.54% | ₹6 cr | 62 mo | -12% |
| ICICI Bank | Financial Services | 2.31% | ₹6 cr | 62 mo | +73% |
| Larsen & Toubro Limited | Construction | 1.58% | ₹4 cr | 58 mo | +64% |
| State Bank of India | Financial Services | 1.49% | ₹4 cr | 62 mo | +125% |
| Maruti Suzuki India Limited | Automobile and Auto Components | 1.18% | ₹3 cr | 60 mo | +54% |
| UltraTech Cement Limited | Construction Materials | 1.17% | ₹3 cr | 58 mo | +49% |
| Kotak Mahindra Bank Limited | Financial Services | 1.07% | ₹3 cr | 30 mo | +28% |
| Urban Company Limited | Consumer Services | 1.02% | ₹3 cr | 12 mo | +3% |
| JSW Infrast | Services | 0.95% | ₹2 cr | 4 mo | +12% |
| Bajaj Finance Limited | Financial Services | 0.92% | ₹2 cr | 11 mo | -8% |
| Lenskart Solutions Limited | Consumer Services | 0.92% | ₹2 cr | 4 mo | +21% |
| Anthem Biosciences Limited | Healthcare | 0.83% | ₹2 cr | 4 mo | +11% |
| CORONA Remedies Limited | Healthcare | 0.81% | ₹2 cr | 1 mo | 0% |
| Hyundai Motor India Limited | Automobile and Auto Components | 0.75% | ₹2 cr | 2 mo | -8% |
| Sona BLW Precision Forgings Limited | Automobile and Auto Components | 0.75% | ₹2 cr | 62 mo | +72% |
How this fund actually behaves
Computed from every filed monthly portfolio (62 months of filings) by the research pipeline.
| Holding patience | Median months a position is held (25th–75th band) | 33 mo (14–48) |
| Win rate on exits | Closed positions sold above entry, and the payoff ratio (33 exits) | 64% · payoff 4.4× |
| Loser handling | Cuts losers vs averages down, from 12 months of filings | Mixed |
| Entry valuation discipline | Median P/E paid on entries over 36 months; share above 50× | 56× · 54% over 50× |
| Portfolio valuation today | Weighted P/E and P/B of the current book at filed prices | 69.0× P/E · 8.1× P/B · 4% loss-makers |
| Churn | Stocks entered and exited in 12 months, of 52 positions | 27 in · 24 out |
| Concentration | Top 10 holdings' share; effective number of positions | 14% · ~38 effective |