CRISIL HYBRID 85+15 - CONSERVATIVE INDEX · Retirement· NAV-verified
SBI Retirement Benefit Fund - Conservative Plan
₹138 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: +2% 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 Plan | −1% | +2% | +6% | +6% |
| Median Retirement fund | −2% | +1% | +7% | +7% |
+11%Q3 FY24+13%Q4 FY24+12%Q1 FY25+13%Q2 FY25+9%Q3 FY25+8%Q4 FY25+7%Q1 FY26+3%Q2 FY26+5%Q3 FY26−1%Q4 FY26+2%Q1 FY27+2%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. | +0.2 pp | −0.0 pp |
| Sona Blw Precision Forgings Ltd. | +0.2 pp | +0.0 pp |
| Hindalco Industries Ltd. | +0.1 pp | 0.0 pp |
| Navin Fluorine International Ltd. | +0.1 pp | −0.0 pp |
| TVS Motor Company Ltd. | +0.1 pp | −0.0 pp |
| Stock | 12 months | Latest month |
|---|---|---|
| HDFC Bank Ltd. | −0.4 pp | −0.0 pp |
| Infosys Ltd. | −0.2 pp | 0.0 pp |
| Urban Company Ltd. $ | −0.2 pp | 0.0 pp |
| ICICI Bank Ltd. | −0.1 pp | −0.1 pp |
| Abbott India Ltd. | −0.1 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 | 1.24% | ₹2 cr | 62 mo | -12% |
| ICICI Bank | Financial Services | 1.17% | ₹2 cr | 62 mo | +74% |
| Larsen & Toubro Limited | Construction | 0.79% | ₹1 cr | 58 mo | +64% |
| State Bank of India | Financial Services | 0.74% | ₹1 cr | 62 mo | +121% |
| Maruti Suzuki India Limited | Automobile and Auto Components | 0.59% | ₹1 cr | 60 mo | +53% |
| UltraTech Cement Limited | Construction Materials | 0.57% | ₹1 cr | 58 mo | +51% |
| Kotak Mahindra Bank Limited | Financial Services | 0.51% | ₹1 cr | 30 mo | +28% |
| Lenskart Solutions Limited | Consumer Services | 0.47% | ₹1 cr | 4 mo | +21% |
| Urban Company Limited | Consumer Services | 0.46% | ₹1 cr | 12 mo | +3% |
| Bajaj Finance Limited | Financial Services | 0.45% | ₹1 cr | 11 mo | -8% |
| TVS Motor Company Limited | Automobile and Auto Components | 0.45% | ₹1 cr | 21 mo | +67% |
| JSW Infrast | Services | 0.43% | ₹1 cr | 4 mo | +11% |
| Anthem Biosciences Limited | Healthcare | 0.41% | ₹1 cr | 4 mo | +11% |
| CORONA Remedies Limited | Healthcare | 0.41% | ₹1 cr | 1 mo | 0% |
| Sona BLW Precision Forgings Limited | Automobile and Auto Components | 0.41% | ₹1 cr | 62 mo | +67% |
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 4.1× |
| 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 | 67.4× 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 | 7% · ~38 effective |