MonitorDirect · Growth
SBI Retirement Benefit Fund - Conservative Plan
SBI Mutual FundSolution Oriented Scheme - Retirement Fund5.6 years
- NAV
- 14.9469
- 15 Sept 2026
- 1Y
- +3.3%
- Trailing CAGR
- AUM
- ₹140.43 Cr
- 31 Aug 2026
- Volatility
- Low
- 3.4% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+3.3%
- 3Y+6.5%
- 5Y+7.0%
- 10Yn/a
- SI+7.5%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+3.7%
- 3Y+5.0%
- 5Y+6.6%
- 10Yn/a
- Since inception
- +7.5%
- Calendar-day CAGR
- Excess 1Y
- -1.7%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 0
- Vs comparable share classes
- Worst rolling 3Y
- +6.5%
- 630 daily-ending windows
- Median rolling 3Y
- +8.9%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 140 daily-ending windows
- SIP 3Y XIRR
- +5.0%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 108 recovered episodes
- Longest recovery
- 78 days
- Trough to prior peak
- Current spell
- 29 days
- Days below latest peak
- Time below peak
- +76%
- NAV observations
2 Jan 2026 – 16 Jun 2026
Trough 30 Mar 2026 · recovered in 78 days
-4.4%
4 Apr 2022 – 27 Jul 2022
Trough 16 Jun 2022 · recovered in 41 days
-3.5%
26 Sept 2024 – 27 Mar 2025
Trough 28 Feb 2025 · recovered in 27 days
-2.5%
14 Jan 2022 – 30 Mar 2022
Trough 7 Mar 2022 · recovered in 23 days
-2.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
0
Vs category
40
Consistency
17
Risk-adjusted
59
Drawdown
89
Mean
41
Portfolio
31 Aug 2026 · 67 holdings · top 10 are 71.7%.
- Top 5
- 53.8%
- Top 10
- 71.7%
- Largest holding
- 23.6%
- Effective holdings
- 11.0
Repo
Unspecified
23.6%
GOVERNMENT OF INDIA 37426 GOI 11MY36 6.94 FV RS 100
Entities
10.7%
BHARAT SANCHAR NIGAM LIMITED SR II TR A 7.72 LOA 22DC32 FVRS10LAC
Technology
7.1%
NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26F 7.44 BD 17JL29 FVRS1LAC
Financial
7.1%
SUMMIT DIGITEL INFRASTRUCTURE LIMITED 7.58 NCD 30OT31 FVRS1LAC
Technology
5.3%
What changed
DECISION
Status moved from REVIEW to MONITOR.
9 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 11 Sept 2026
Monitor
Engine status
Monitor
Recent evidence
Why this status
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- Risk-adjusted return sits above the documented risk-free proxy.
- Peak-to-trough drawdown has stayed shallower than 15%.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
ICICI Prudential Retirement Fund Pure Debt Plan
ICICI Prudential Mutual Fund
- 1Y
- +4.5%
- 3Y
- +6.7%
- Vol
- 1.8%
- Max DD
- -2.7%
- Sharpe
- 1.23
- 3Y win
- +2%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +11.3%
- 3Y
- +14.9%
- Vol
- 15.7%
- Max DD
- -34.2%
- Sharpe
- 0.53
- 3Y win
- +94%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Retirement Fund-The 40s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +1.2%
- 3Y
- +10.4%
- Vol
- 12.1%
- Max DD
- -27.3%
- Sharpe
- 0.47
- 3Y win
- +42%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Franklin India Retirement Fund
Franklin Templeton Mutual Fund
- 1Y
- -0.4%
- 3Y
- +7.2%
- Vol
- 6.2%
- Max DD
- -13.8%
- Sharpe
- 0.69
- 3Y win
- +4%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
ICICI Prudential Mutual Fund
- 1Y
- +5.8%
- 3Y
- +16.4%
- Vol
- 13.8%
- Max DD
- -28.7%
- Sharpe
- 0.79
- 3Y win
- +100%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown