HDFC Children's Fund vs SBI Retirement Benefit Fund - Conservative Hybrid Plan
HDFC Children's Fund and SBI Retirement Benefit Fund - Conservative Hybrid Plan are both Retirement Funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +9.05% vs +7.57%, 5-year CAGR +10.04% vs +7.79%, volatility 10.92% vs 7.17%, maximum drawdown −28.86% vs −6.87%. Their portfolios overlap by 11.5% (9 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| HDFC Children's | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Fund house | HDFC Mutual Fund | SBI Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹325.8530 | ₹16.5821 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 1 Jan 2013 | 17 Feb 2021 |
| Track record | 13.8 yrs | 5.7 yrs |
| Fund size (AUM) | ₹10,339 Cr | ₹248 Cr |
| Securities held | 108 | 66 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| HDFC Children's | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| 1 month | +2.61% | +2.60% |
| 3 months | −0.50% | +0.53% |
| 6 months | +3.00% | +3.60% |
| 1 year | −0.64% | +3.20% |
| 3 years (CAGR) | +9.05% | +7.57% |
| 5 years (CAGR) | +10.04% | +7.79% |
| 7 years (CAGR) | +14.01% | — |
| 10 years (CAGR) | +13.08% | — |
| Since launch (CAGR) | +14.36% | +9.15% |
| SIP return (XIRR, 5 years) ⓘ | +8.73% | +7.27% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| HDFC Children's | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| 2026 (year to date) | −1.76% | +2.37% |
| 2025 | +3.18% | +5.48% |
| 2024 | +17.03% | +9.91% |
| 2023 | +27.95% | +15.83% |
| 2022 | +7.69% | +5.67% |
| 2021 | +27.53% | — |
Risk
| HDFC Children's | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 10.92% | 7.17% |
| Downside volatility ⓘ | 7.79% | 5.25% |
| Sharpe ratio ⓘ | 0.23 | 0.15 |
| Sortino ratio ⓘ | 0.33 | 0.20 |
| Maximum drawdown ⓘ | −28.86% | −6.87% |
| Recovery from that fall | 5 months | 3 months |
| Current fall from peak | −2.21% | 0.00% |
| Rolling 1-year return: worst | −23.87% | −2.20% |
| Rolling 1-year return: median | +12.81% | +7.56% |
| Rolling 1-year return: best | +71.58% | +18.91% |
| Share of 1-year periods with a loss | 11.36% | 3.91% |
Against each fund's benchmark
| HDFC Children's | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Beta ⓘ | 0.69 | 0.45 |
| Alpha (Jensen's, annualised) ⓘ | −0.00% | −0.94% |
| R² ⓘ | 85.62 | 89.66 |
| Upside capture | 77.23% | 53.48% |
| Downside capture | 68.90% | 40.98% |
| Tracking error | 6.25% | 8.43% |
| Information ratio | -0.06 | -0.20 |
| Treynor ratio | 2.27 | 0.55 |
Portfolio
Asset mix
| HDFC Children's | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Equity | 70.45% | 38.20% |
| Debt | 26.36% | 36.18% |
| Cash & equivalents | 3.19% | 23.62% |
| REITs / InvITs | 0.00% | 2.00% |
Market-cap split (share of fund assets)
| HDFC Children's | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Large Cap | 36.68% | 18.61% |
| Mid Cap | 6.54% | 9.84% |
| Small Cap | 25.64% | 9.04% |
| Unclassified | 1.59% | 0.71% |
Concentration
| HDFC Children's | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Top 10 holdings | 37.30% | 34.24% |
| Effective number of stocks ⓘ | 45.8 | 45.7 |
| Securities held | 108 | 66 |
Portfolio overlap: 11.5%
9 companies are held by both funds; by weight, 11.5% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | HDFC Children's | SBI Retirement Benefit Fund - Conservative Hybrid Plan |
|---|---|---|
| HDFC Bank Limited | 6.19% | 2.54% |
| ICICI Bank Limited | 6.62% | 2.31% |
| Larsen & Toubro Limited | 3.58% | 1.58% |
| State Bank of India | 3.25% | 1.49% |
| Kotak Mahindra Bank Limited | 3.00% | 1.07% |
| Bajaj Finance Limited | 0.93% | 0.92% |
| Hyundai Motor India Ltd. | 0.72% | 0.75% |
| Muthoot Finance Ltd. | 0.48% | 2.01% |
| Carborundum Universal Ltd. | 0.75% | 0.35% |
Top 10 holdings
HDFC Children's
- ICICI Bank Limited6.62%
- HDFC Bank Limited6.19%
- 7.18% Government of India (14/08/2033)3.74%
- Larsen & Toubro Limited3.58%
- State Bank of India3.25%
- Kotak Mahindra Bank Limited3.00%
- 7.1% Government of India (08/04/2034)2.99%
- Reliance Industries Limited2.85%
- eClerx Services Limited2.55%
- Aster DM Quality Care Limited2.53%
SBI Retirement Benefit Fund - Conservative Hybrid Plan
- 6.64% GOI MAT 07123110.38%
- 7.44% National Bank For Agriculture and Rural Development (17/07/2029)3.99%
- Bharat Sanchar Nigam Ltd.3.97%
- Summit Digitel Infrastructure Pvt. Ltd.2.97%
- HDFC Bank Limited2.54%
- ICICI Bank Limited2.31%
- Torrent Power Ltd.2.03%
- Cholamandalam Investment and Finance Company Ltd (27/02/2029) (FRN)2.02%
- Power Finance Corporation Ltd.2.02%
- Muthoot Finance Ltd.2.01%
Sector exposure
| HDFC Children's | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Banks | 21.29% | 7.41% |
| CRISIL AAA | 3.32% | 12.98% |
| Sovereign | 12.62% | 10.38% |
| Industrial Products | 5.82% | 1.79% |
| CRISIL AA+ | 0.48% | 4.85% |
| CRISIL - AAA | 4.57% | 0.00% |
| CRISIL AAA(CE) | 0.70% | 3.97% |
| Construction | 3.75% | 1.58% |
| Retailing | 3.55% | 2.50% |
| Petroleum Products | 3.44% | 0.00% |
| Auto Components | 3.41% | 1.96% |
| Commercial Services & Supplies | 3.37% | 0.71% |
| Healthcare Services | 3.22% | 0.00% |
| IT - Software | 2.91% | 1.52% |
Questions people ask
What is the difference between HDFC Children's and SBI Retirement Benefit Fund - Conservative Hybrid Plan returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return −0.64% vs +3.20%; 3-year CAGR +9.05% vs +7.57%; 5-year CAGR +10.04% vs +7.79%; 10-year CAGR +13.08% vs —. Past returns do not indicate future returns.
How do HDFC Children's and SBI Retirement Benefit Fund - Conservative Hybrid Plan compare on risk?
Volatility (36 monthly returns, annualised) 10.92% vs 7.17%; Sharpe ratio 0.23 vs 0.15; Sortino ratio 0.33 vs 0.20; maximum drawdown −28.86% vs −6.87%; beta 0.69 vs 0.45.
How much do HDFC Children's and SBI Retirement Benefit Fund - Conservative Hybrid Plan overlap?
By weight, 11.5% of the two portfolios is invested in the same companies; 9 stocks are held by both, the largest shared positions being HDFC Bank Limited, ICICI Bank Limited, Larsen & Toubro Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of HDFC Children's and SBI Retirement Benefit Fund - Conservative Hybrid Plan?
HDFC Children's: large cap 36.7%, mid cap 6.5%, small cap 25.6%. SBI Retirement Benefit Fund - Conservative Hybrid Plan: large cap 18.6%, mid cap 9.8%, small cap 9.0% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
More comparisons
HDFC Children's vs
SBI Retirement Benefit Fund - Conservative Hybrid Plan vs
- SBI Retirement Benefit Fund - Conservative Hybrid Plan vs UTI Children's Equity
- SBI Retirement Benefit Fund - Conservative Hybrid Plan vs Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
- SBI Retirement Benefit Fund - Conservative Hybrid Plan vs Baroda BNP Paribas Retirement
- SBI Retirement Benefit Fund - Conservative Hybrid Plan vs ICICI Prudential Retirement Fund Hybrid Conservative Plan
- SBI Retirement Benefit Fund - Conservative Hybrid Plan vs SBI Children's Fund - Investment Plan
- SBI Retirement Benefit Fund - Conservative Hybrid Plan vs Tata Retirement Savings Fund-Moderate Plan
All Retirement Funds comparisons → · Compare up to six funds yourself → · Every fund in this category → · All comparisons →
Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 6 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.