SBI Retirement Benefit Fund - Conservative Plan Direct-Growth
Hybrid: Conservative Hybrid - Growth (Open ended)
SEBI Riskometer: Moderately HighCategory: Hybrid: Conservative HybridBenchmark: CRISIL Hybrid 85+15 Conservative IndexCheck Portfolio Overlap →
NAV: ₹14.74-0.23%
23 Oct 2026
Holdings Analysis
Equity, debt and cash allocation snapshot with market cap distribution for SBI Retirement Benefit Fund - Conservative Plan Direct-Growth.
Market Cap Distribution
Large Cap (48.8%)
Mid Cap (25.5%)
Small Cap (25.7%)
Historical Asset Allocation
| Asset | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Equity | 18.96% | 19.57% | 19.81% | 19.24% | 19.31% | 19.48% |
| Debt | 51.58% | 57.96% | 68.07% | 79.25% | 70.73% | 72.27% |
| Others (incl. cash) | 29.47% | 22.47% | 12.12% | 1.51% | 9.96% | 8.25% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Portfolio Snapshot
No. of Securities
65
P/E Ratio
32.72
P/B Ratio
4.18
Top Holding %
29.47%
Top 5 Holdings %
52.85%
Top 10 Holdings %
70.96%
Modified Duration
2.68 yrs
Avg. Maturity
2.85 yrs
Yield to Maturity
6.96%
AUM
₹138 Cr
Expense Ratio
0.98%
Since Inception
7.05%
Max Drawdown
-0.04%
Sharpe Ratio
0.15
Top Portfolio Holdings by Weight
Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | Financial | 24,082 | 1.71 | 1.24% | 0.03%↑ |
| ICICI Bank Ltd. | Financial | 12,150 | 1.61 | 1.17% | -0.09%↓ |
| Larsen & Toubro Ltd. | Construction | 2,872 | 1.08 | 0.79% | -0.04%↓ |
| State Bank of India | Financial | 10,549 | 1.01 | 0.74% | -0.06%↓ |
| Maruti Suzuki India Ltd. | Automobile | 675 | 0.81 | 0.59% | -0.06%↓ |
| Ultratech Cement Ltd. | Materials | 710 | 0.78 | 0.57% | -0.01%↓ |
| Kotak Mahindra Bank Ltd. | Financial | 16,900 | 0.7 | 0.51% | 0.01%↑ |
| Lenskart Solutions Ltd. | Consumer Discretionary | 9,424 | 0.65 | 0.47% | 0.02%↑ |
| Urban Company Ltd. | Consumer Staples | 40,532 | 0.64 | 0.46% | -0.02%↓ |
| TVS Motor Company Ltd. | Automobile | 1,500 | 0.62 | 0.45% | -0.02%↓ |
| Bajaj Finance Ltd. | Financial | 6,400 | 0.61 | 0.45% | -0.04%↓ |
| JSW Infrastructure Ltd. | Services | 16,650 | 0.59 | 0.43% | 0.03%↑ |
| Sona BLW Precision Forgings Ltd. | Automobile | 6,750 | 0.56 | 0.41% | 0.02%↑ |
| CORONA Remedies Ltd. | Healthcare | 2,668 | 0.56 | 0.41% | - |
| Anthem Biosciences Ltd. | Healthcare | 6,500 | 0.56 | 0.41% | -0.01%↓ |
| Divis Laboratories Ltd. | Healthcare | 580 | 0.54 | 0.39% | 0.00%↑ |
| Hyundai Motor India Ltd. | Automobile | 2,550 | 0.52 | 0.38% | -0.02%↓ |
| Timken India Ltd. | Capital Goods | 1,640 | 0.51 | 0.37% | 0.01%↑ |
| Schaeffler India Ltd. | Capital Goods | 1,300 | 0.51 | 0.37% | -0.00%↓ |
| JSW Cement Ltd. | Materials | 44,000 | 0.5 | 0.36% | -0.03%↓ |
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Sector-wise Portfolio Allocation
Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
| Sector | 30 Sep 2026 | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 |
|---|---|---|---|---|---|---|
| Financial | 4.97% | 5.75% | 5.92% | 5.56% | 5.44% | 5.57% |
| Automobile | 2.13% | 2.24% | 1.88% | 1.73% | 1.98% | 1.99% |
| Construction | 1.82% | 1.56% | 1.58% | 1.58% | 1.58% | 1.55% |
| Capital Goods | 1.69% | 1.74% | 1.87% | 1.94% | 1.96% | 1.95% |
| Services | 1.64% | 1.66% | 1.67% | 1.52% | 1.15% | 1.15% |
| Healthcare | 1.62% | 1.31% | 1.18% | 0.83% | 0.27% | 0.46% |
| Materials | 1.43% | 1.57% | 1.69% | 1.76% | 1.72% | 1.35% |
| Technology | 0.74% | 0.80% | 0.80% | 0.67% | 0.99% | 1.06% |
| Consumer Staples | 0.72% | 0.74% | 0.69% | 0.66% | 0.65% | 0.75% |
| Consumer Discretionary | 0.67% | 0.67% | 0.48% | 0.45% | 0.22% | 0.25% |
| Chemicals | 0.63% | 0.67% | 0.61% | 0.59% | 0.61% | 0.56% |
| Metals & Mining | 0.47% | 0.45% | 0.45% | 0.92% | 0.98% | 0.87% |
| Energy | 0.24% | 0.23% | 0.57% | 0.57% | 1.31% | 1.54% |
| Textiles | 0.19% | 0.18% | 0.20% | 0.26% | 0.24% | 0.22% |
| Insurance | - | - | 0.22% | 0.20% | 0.21% | 0.21% |
Debt Holdings — Credit Quality Profile
Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
| Rating | Fund | Category |
|---|---|---|
| Cash & Call Money | 29.47% | 13.97% |
| AAA | 26.94% | 19.17% |
| AA+ | 17.44% | 4.86% |
| AA | 3.57% | 3.91% |
| A | - | 0.78% |
| A+ | - | 1.28% |
| A- | - | 0.25% |
| A1+ | - | 2.95% |
| AA- | - | 1.23% |
| B+ | - | 1.85% |
| B- | - | 2.24% |
| BBB+ | - | 0.00% |
| Cash | - | 0.21% |
| D | - | 0.09% |
| Others | - | 0.17% |
| SOV | - | 23.94% |
| Term Deposits | - | 0.01% |
| Unrated | - | 0.09% |
Equity Insights
A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.
Style Analysis
Value score
48.4 / 100
Weighted average Value score is 48.4. This indicates that portfolio is relatively reasonably valued using composite of value measures.
Price Momentum score
58.6 / 100
Weighted average Price Momentum score is 58.6. This indicates that portfolio has average momentum using composite of momentum measures.
Quality score
70.3 / 100
Weighted average Quality score is 70.3. This indicates that portfolio has average quality using composite of quality measures.
QVM score
67.0 / 100
Weighted average QVM score is 67.0. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.
Red Flags
Debt Insights
A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.
SEBI PRC matrix
Credit risk
| Interest risk | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| National Bank For Agriculture & Rural Development | Bonds | 7.44% | 17/07/2029 | CRISIL AAA | 7.20% |
| Bharat Sanchar Nigam Ltd | Debenture | 7.72% | 22/12/2032 | CRISIL AAA(CE) | 7.16% |
| Summit Digitel Infrastructure Pvt. Ltd. | Debenture | 7.58% | 30/10/2031 | CRISIL AAA | 5.36% |
| Torrent Power Ltd. | Debenture | 8.50% | 07/06/2032 | CRISIL AA+ | 3.65% |
| ICICI Securities Primary Dealership Ltd. | Interest Rate Swap | 0.00% | 04/06/2029 | - | 3.64% |
| Cholamandalam Investment and Finance Company Ltd. | Debenture | 0.00% | 27/02/2029 | [ICRA]AA+ | 3.64% |
| Muthoot Finance Ltd. | Debenture | 0.00% | 26/07/2029 | CRISIL AA+ | 3.63% |
| Knowledge Realty Trust | Non Convertible Debenture | 0.00% | 21/02/2029 | CRISIL AAA | 3.61% |
| Tata Power Renewable Energy Ltd. | Debenture | 7.85% | 19/09/2034 | [ICRA]AA+ | 3.60% |
| REC Ltd. | Debenture | 7.69% | 31/01/2033 | CRISIL AAA | 3.60% |
| Cholamandalam Investment and Finance Company Ltd. | Non Convertible Debenture | 0.00% | 0 | [ICRA]AA | 3.57% |
| Union Bank of India | Additional Tier 1 Bond | 8.70% | 0 | CRISIL AA+ | 2.91% |
Frequently Asked Questions
What are the top holdings of SBI Retirement Benefit Fund - Conservative Plan Direct-Growth?
The top holdings of SBI Retirement Benefit Fund - Conservative Plan Direct-Growth as of 30 Sep 2026 are Others (29.47%), National Bank For Agriculture & Rural Development (7.20%), Bharat Sanchar Nigam Ltd (7.16%), Summit Digitel Infrastructure Pvt. Ltd. (5.36%), Torrent Power Ltd. (3.65%). These top 5 stocks together account for 52.85% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does SBI Retirement Benefit Fund - Conservative Plan Direct-Growth hold in its portfolio?
SBI Retirement Benefit Fund - Conservative Plan Direct-Growth holds 65 stocks in its portfolio as of 30 Sep 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of SBI Retirement Benefit Fund - Conservative Plan Direct-Growth?
As of 30 Sep 2026, SBI Retirement Benefit Fund - Conservative Plan Direct-Growth's top sector allocations are Financial (4.97%), Automobile (2.13%), Construction (1.82%). You can find detailed sector allocation above.
What is the equity and debt allocation of SBI Retirement Benefit Fund - Conservative Plan Direct-Growth?
As of 30 Sep 2026, SBI Retirement Benefit Fund - Conservative Plan Direct-Growth has 18.96% allocated to equity, and 51.58% to debt. You can also check the historical trends above.
What is the market cap allocation of SBI Retirement Benefit Fund - Conservative Plan Direct-Growth?
As of 30 Sep 2026, SBI Retirement Benefit Fund - Conservative Plan Direct-Growth's market cap allocation is 48.83% in large caps, 25.47% in mid caps, and 25.70% in small caps.
What is the PE ratio of SBI Retirement Benefit Fund - Conservative Plan Direct-Growth's portfolio?
The portfolio PE ratio of SBI Retirement Benefit Fund - Conservative Plan Direct-Growth is 32.72 as of 30 Sep 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of SBI Retirement Benefit Fund - Conservative Plan Direct-Growth?
As of 30 Sep 2026, SBI Retirement Benefit Fund - Conservative Plan Direct-Growth's debt portfolio has 26.94% in AAA-rated instruments, 3.57% in AA-rated, and - in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for SBI Retirement Benefit Fund - Conservative Plan Direct-Growth?
The latest portfolio disclosure for SBI Retirement Benefit Fund - Conservative Plan Direct-Growth is as of 30 Sep 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.