SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Income Distribution Cum Capital Withdrawal Option (IDCW)

Q: How to check the XIRR of SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)?

You can track the exact XIRR and portfolio overlapping of SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) alongside your PMS and AIF investments using the MutualSaathi Portfolio Analyzer.

Q: How to check portfolio overlap for SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW)?

Use the MutualSaathi Portfolio Analyzer to compare SBI Retirement Benefit Fund - Conservative Plan - Regular Plan - Income Distribution cum Capital Withdrawal Option (IDCW) with other funds, PMS, and AIFs to detect hidden stock overlaps.

SBI Mutual Fund

Expense Ratio: 1.38

Risk: Moderately High

Solution Oriented Scheme - Retirement Fund

Plan: Regular

Benchmark: CRISIL Hybrid 85+15 - Conservative Index

Inception: 20-01-2021

Exit Load: Nil

Fund Size:₹173.85 Cr

Performance

Fund0.24%

Cat. Avg.-1.92%

Fund2.38%

Cat. Avg.0.14%

Fund5.85%

Cat. Avg.7.99%

Fund6.09%

Cat. Avg.6.94%

10Y

FundN/A

Cat. Avg.8.87%

Fund6.70%

Cat. Avg.9.32%

Fund Facts

No available Data

Taxation

Any Holding Period (STCG & LTCG):As per Income Slab Rate

*Tax rates as per Finance Act 2024. Surcharge & cess may apply.

Allocation

Visualizing Fund's Exposure

Asset Class

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Debt Ratings

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Debt Instruments

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Asset Class

Debt Ratings

Debt Instruments

Portfolio Holdings

Detailed breakdown of instruments.

	Instrument	Type	Sub-Cat	Sector	YTM	Val (Cr)	% Assets
1	6.90% CGL 2065	DEBT	G-Sec	Sovereign	7.59%	23.24	16.05%
2	Bharat Sanchar Nigam Ltd.	DEBT	Bond/NCD	CRISIL AAA(CE)	7.57%	10.14	7.00%
3	National Bank for Agriculture and Rural Development	DEBT	Bond/NCD	CRISIL AAA	7.21%	10.06	6.94%
4	7.43% CGL 2076	DEBT	G-Sec	Sovereign	7.59%	9.97	6.88%
5	7.09% CGL 2074	DEBT	G-Sec	Sovereign	7.63%	9.48	6.54%
6	Summit Digitel Infrastructure Pvt. Ltd.	DEBT	Bond/NCD	CRISIL AAA	7.61%	7.56	5.22%
7	Torrent Power Ltd.	DEBT	Bond/NCD	CRISIL AA	7.83%	5.53	3.82%
8	Godrej Properties Ltd.	DEBT	Bond/NCD	[ICRA]AA	7.04%	5.34	3.69%
9	TREPS	CASH	TREPS / Reverse Repo	TREPS / Reverse Repo		5.10	3.52%
10	REC Ltd.	DEBT	Bond/NCD	CRISIL AAA	7.30%	5.10	3.52%

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Fund Details

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Fund Details

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SIP Returns

Amount (₹)

Date

7th

Period	SIP Date	Inv(₹)	Val(₹)	Abs(%)	XIRR
1Y	07 Nov, 25	60000	60350	+0.6%	+1.2%
2Y	07 Nov, 24	1.20 L.	1.22 L.	+2.0%	+2.0%
3Y	07 Nov, 23	1.80 L.	1.89 L.	+5.1%	+3.4%
5Y	08 Nov, 21	3 L.	3.44 L.	+14.6%	+5.5%
SI	08 Mar, 21	3.40 L.	3.99 L.	+17.5%	+5.7%

Lumpsum Returns

Amount (₹)

Period	Inv Date	Inv(₹)	Val(₹)	Abs(%)	CAGR
1Y	16 Oct, 25	1 L.	1.00 L.	+0.2%	+0.2%
2Y	16 Oct, 24	1 L.	1.05 L.	+4.8%	+2.4%
3Y	16 Oct, 23	1 L.	1.19 L.	+18.6%	+5.8%
5Y	18 Oct, 21	1 L.	1.34 L.	+34.3%	+6.1%
SI	17 Feb, 21	1 L.	1.44 L.	+44.4%	+6.7%

SIP Calculator

Visualize how small monthly investments grow over time.

Monthly SIP Amount

Max: ₹10 Cr

₹

Investment Tenure

Max: 40 Years

Years

Expected Annual Return (SIP)

Max: 30%

Expected Inflation

Max: 20%

Annual Step-up

Beat inflation and compound wealth faster with an annual step-up.

Max: 500%

Initial Lumpsum

Max: ₹1000 Cr

₹

Expected Return on Lumpsum

Max: 30%

Future Value

₹23.80L

With SIP Amount ₹5,000

Total Invested

₹9.00L

Total Profit

₹14.80L

SIP Invested₹9.00L

SIP Gain₹14.80L

Lumpsum Inv.₹0

Lumpsum Gain₹0

Reality Check: Your future value will be today's ₹8.62L at inflation rate 7%

Tip: You can set a Goal first in the Goal Planner to calculate SIP targets adjusted for inflation.