SBI Retirement Benefit Fund - Conservative Hybrid Plan SIP Calculator & Real Returns
Retirement Fund · Direct Plan – Growth · Latest NAV ₹16.37 (13-Jul-2026)
This page backtests a real monthly SIP in SBI Retirement Benefit Fund - Conservative Hybrid Plan (direct plan, growth) against the fund's official AMFI NAV history — buying on the first available NAV of each month — instead of assuming a generic 12% return.
A ₹10,000 monthly SIP started 3 years ago (₹3,60,000 invested) would be worth about ₹3,90,682 today — an absolute return of +8.5% and an XIRR of +5.57%.
What a ₹10,000 monthly SIP actually did
| Started | Invested | Value today | Absolute return | XIRR |
|---|---|---|---|---|
| 1 year ago | ₹1,20,000 | ₹1,23,188 | +2.7% | +5.52% |
| 3 years ago | ₹3,60,000 | ₹3,90,682 | +8.5% | +5.57% |
Backtest buys on the first available NAV of each month and values the units at the latest NAV. Longer periods appear as NAV history accumulates.
Try your own amount
Frequently Asked Questions
What is the 1-year SIP return of SBI Retirement Benefit Fund - Conservative Hybrid Plan?
Based on actual NAV history, a ₹10,000 monthly SIP in SBI Retirement Benefit Fund - Conservative Hybrid Plan over the last 1 year (₹1,20,000 invested) would be worth about ₹1,23,188, an XIRR of +5.52%. Past performance does not guarantee future results.
What is the 3-year SIP return of SBI Retirement Benefit Fund - Conservative Hybrid Plan?
Based on actual NAV history, a ₹10,000 monthly SIP in SBI Retirement Benefit Fund - Conservative Hybrid Plan over the last 3 years (₹3,60,000 invested) would be worth about ₹3,90,682, an XIRR of +5.57%. Past performance does not guarantee future results.
Is a SIP in SBI Retirement Benefit Fund - Conservative Hybrid Plan safe?
SBI Retirement Benefit Fund - Conservative Hybrid Plan is a Retirement Fund fund, and its value moves with the market — SIPs spread your purchases over time but do not remove market risk. Review the scheme document and consider consulting a SEBI-registered adviser before investing.
Mutual fund investments are subject to market risks — read all scheme-related documents carefully. This tool is for information and education only and is not investment advice or a recommendation of any scheme.