SBI Retirement Benefit Fund - Conservative Plan NAV Today
SBI Retirement Benefit Fund - Conservative Plan NAV is ₹15.02 as of 4 Nov 2026, up 2.32% over 1 year, 11 of 29 in Retirement Fund.
SBI Mutual Fund · Direct Plan, Growth option · NAV from AMFI, updated each business day
NAV
₹15.02
4 Nov 2026
1-year return
+2.32%
Category +1.2%
Category rank (1Y)
11 of 29
Retirement Fund
3-year return
+6.81%
a year, compounded
Returns
| Period | This fund | Category average | Difference | Rank in category |
|---|---|---|---|---|
| 1 month | +0.73% | +2.11% | -1.38 pts | — |
| 6 months | +2.9% | +2.42% | +0.48 pts | — |
| 1 year | +2.32% | +1.2% | +1.12 pts | 11 of 29 |
| 3 years (a year) | +6.81% | +10.47% | -3.66 pts | 25 of 27 |
| 5 years (a year) | +6.88% | +8.94% | -2.06 pts | 20 of 25 |
3- and 5-year figures are compound annual returns; shorter periods are absolute.
NAV history
₹5,000 a month in SBI Retirement Benefit Fund - Conservative Plan
What a monthly SIP started 1, 3 or 5 years ago is worth at the latest NAV.
SIP for 1 year
₹61,041
Invested ₹60,000
XIRR 3.69% a year
SIP for 3 years
₹1,91,491
Invested ₹1,80,000
XIRR 4.25% a year
SIP for 5 years
₹3,49,647
Invested ₹3,00,000
XIRR 6.22% a year
₹1 lakh invested at once
1 year ago
₹1,02,320
3 years ago
₹1,21,853
5 years ago
₹1,39,470
Direct vs Regular plan
The Regular plan pays a distributor commission out of the fund, so the same portfolio returns less. ₹1 lakh over 3 years grew to ₹1,20,492 in Direct and ₹1,18,840 in Regular, a difference of ₹1,652.
| Period | Direct | Regular | Gap |
|---|---|---|---|
| 1 year | +2.5% | +2.03% | 0.47 pts a year |
| 3 years | +6.41% | +5.92% | 0.49 pts a year |
Month-end NAVs to 30 Sept 2026.
How consistent it has been
1-year periods ahead of the Retirement Fund average
22%
36 rolling 1-year periods, month by month, over 3 years
Worst 1-year return in that time
-0.73%
Year to 29 May 2026
Other Retirement Fund schemes
| Name | NAV | 1Y | 3Y | 5Y |
|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 30s PlanAditya Birla Sun Life Mutual Fund | 25.08 | +10.74% | +17.38% | +12.25% |
| ICICI Prudential Retirement Fund Hybrid Conservative PlanICICI Prudential Mutual Fund | 20.04 | +3.88% | +9.68% | +8.53% |
| Tata Retirement Savings Fund-Progressive PlanTata Mutual Fund | 82.40 | +3.86% | +13.17% | +10.28% |
| ICICI Prudential Retirement Fund Pure Debt PlanICICI Prudential Mutual Fund | 17.23 | +3.84% | +6.52% | +5.91% |
| Tata Retirement Savings Fund-Moderate PlanTata Mutual Fund | 79.97 | +3.56% | +12.49% | +10.14% |
| Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt PlanAditya Birla Sun Life Mutual Fund | 14.96 | +3.16% | +5.85% | +5.05% |
| Tata Retirement Savings Fund-Conservative PlanTata Mutual Fund | 38.58 | +3.07% | +7.88% | +6.62% |
| Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Mutual Fund | 16.69 | +2.85% | +8.22% | +6.95% |
All Retirement Fund schemes ranked →
Plans and options
| Plan | Option | NAV | Scheme code |
|---|---|---|---|
| Direct Plan | Growth | 15.02 | 148688 |
| Direct Plan | IDCW | 15.02 | 148689 |
| Regular Plan | Growth | 14.60 | 148696 |
| Regular Plan | IDCW | 14.60 | 148687 |
NAVs as of 4 Nov 2026. This page follows the Direct plan, Growth option.
Fund details
- Fund house
- SBI Mutual Fund
- Category
- Retirement Fund
- ISIN
- INF200KA1T39
- AMFI scheme code
- 148688
- NAV history from
- 29 Oct 2021
More schemes from SBI Mutual Fund
| Name | NAV | 1Y | 3Y | 5Y |
|---|---|---|---|---|
| SBI Silver ETF Fund of FundSBI Mutual Fund | 19.73 | +24.67% | — | — |
| SBI Automotive Opportunities FundSBI Mutual Fund | 13.43 | +22.41% | — | — |
| SBI Healthcare Opportunities FundSBI Mutual Fund | 600.66 | +21.19% | +25.68% | +19.72% |
| SBI Gold FundSBI Mutual Fund | 42.97 | +16.47% | +30.81% | +23.01% |
| SBI US Specific Equity Active FoFSBI Mutual Fund | 24.49 | +13.82% | +27.7% | +15.47% |
| SBI MNC FundSBI Mutual Fund | 442.39 | +12.48% | +7.93% | +7.79% |
| SBI Innovative Opportunities FundSBI Mutual Fund | 10.78 | +8.58% | — | — |
| SBI Children's Fund - Investment PlanSBI Mutual Fund | 51.86 | +8.4% | +20.45% | +18.03% |
Frequently asked questions
What is the NAV of SBI Retirement Benefit Fund - Conservative Plan today?
SBI Retirement Benefit Fund - Conservative Plan (Direct Plan, Growth option) has a NAV of ₹15.02 as of 4 Nov 2026, as published by AMFI. NAVs are declared once each business day.
What is the 1-year return of SBI Retirement Benefit Fund - Conservative Plan?
+2.32% over the year to 4 Nov 2026, against an average of +1.2% for Retirement Fund schemes. Past returns do not indicate future returns.
What would a ₹5,000 monthly SIP in SBI Retirement Benefit Fund - Conservative Plan be worth?
₹5,000 invested every month for the last 5 years (₹3,00,000 in total) is worth ₹3,49,647 at the latest NAV, an XIRR of 6.22% a year.
How much more does the Regular plan of SBI Retirement Benefit Fund - Conservative Plan cost?
Over 3 years, ₹1 lakh grew to ₹1,20,492 in the Direct plan and ₹1,18,840 in the Regular plan. The gap is the distributor commission, which the Regular plan pays out of the fund.
Which category is SBI Retirement Benefit Fund - Conservative Plan in?
SBI Retirement Benefit Fund - Conservative Plan is a Retirement Fund scheme from SBI Mutual Fund.
NAVs from AMFI; index levels from NSE. Returns are past performance and do not indicate future returns. For information only; not investment advice.