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

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

You can track the exact XIRR and portfolio overlapping of SBI Retirement Benefit Fund - Conservative Plan - Direct 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 - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)?

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

SBI Mutual Fund

Expense Ratio: 0.91

Risk: Moderately High

Solution Oriented Scheme - Retirement Fund

Plan: Direct

Benchmark: CRISIL Hybrid 85+15 - Conservative Index

Inception: 20-01-2021

Exit Load: Nil

Fund Size:₹173.85 Cr

Performance

Fund2.17%

Cat. Avg.2.95%

Fund4.76%

Cat. Avg.4.69%

Fund7.25%

Cat. Avg.11.82%

Fund7.45%

Cat. Avg.10.72%

10Y

FundN/A

Cat. Avg.11.36%

Fund7.76%

Cat. Avg.11.69%

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	7.95%	26.70	18.26%
2	TREPS	CASH	TREPS / Reverse Repo	TREPS / Reverse Repo		13.57	9.28%
3	7.18% CGL 2037	DEBT	G-Sec	Sovereign	7.33%	9.98	6.82%
4	Bharat Sanchar Nigam Ltd.	DEBT	Bond/NCD	CRISIL AAA(CE)	7.92%	9.97	6.82%
5	7.43% CGL 2076	DEBT	G-Sec	Sovereign	7.98%	9.50	6.49%
6	7.09% CGL 2074	DEBT	G-Sec	Sovereign	7.97%	9.09	6.21%
7	Summit Digitel Infrastructure Pvt. Ltd.	DEBT	Bond/NCD	CRISIL AAA	8.02%	7.43	5.08%
8	Torrent Power Ltd.	DEBT	Bond/NCD	CRISIL AA	7.87%	5.55	3.80%
9	Godrej Properties Ltd.	DEBT	Bond/NCD	[ICRA]AA	7.92%	5.27	3.60%
10	Sundaram Finance Ltd.	DEBT	Bond/NCD	CRISIL AAA	7.99%	5.07	3.46%

Similar Funds

SIP Returns

Amount (₹)

Date

7th

Period	SIP Date	Inv(₹)	Val(₹)	Abs(%)	XIRR
1Y	07 Aug, 25	60000	61511	+2.5%	+5.3%
2Y	07 Aug, 24	1.20 L.	1.25 L.	+4.5%	+4.5%
3Y	07 Aug, 23	1.80 L.	1.96 L.	+8.7%	+5.7%
5Y	09 Aug, 21	3 L.	3.57 L.	+19.1%	+7.1%
SI	08 Mar, 21	3.25 L.	3.94 L.	+21.3%	+7.2%

Lumpsum Returns

Amount (₹)

Period	Inv Date	Inv(₹)	Val(₹)	Abs(%)	CAGR
1Y	16 Jul, 25	1 L.	1.02 L.	+2.2%	+2.2%
2Y	16 Jul, 24	1 L.	1.10 L.	+9.8%	+4.8%
3Y	17 Jul, 23	1 L.	1.23 L.	+23.1%	+7.2%
5Y	16 Jul, 21	1 L.	1.43 L.	+43.2%	+7.4%
SI	17 Feb, 21	1 L.	1.50 L.	+49.9%	+7.8%

SIP Planner

Visualize how small monthly investments grow over time.

Monthly SIP Amount

HNI/UHNI? Enter manually (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

HNI/UHNI? Enter manually (Max: ₹1000 Cr)

₹

Expected Return on Lumpsum

Max: 30%

Future Value

₹23.80L

With SIP Amount ₹5,000

Total Invested

₹9.00L

Total Gained

₹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.