SBI Children's Fund - Investment Plan vs SBI Retirement Benefit Fund - Conservative Hybrid Plan
SBI Children's Fund - Investment Plan and SBI Retirement Benefit Fund - Conservative Hybrid Plan are both Retirement Funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +21.44% vs +7.57%, 5-year CAGR +18.28% vs +7.79%, volatility 16.06% vs 7.17%, maximum drawdown −15.74% vs −6.87%. Their portfolios overlap by 8.6% (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
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Fund house | SBI Mutual Fund | SBI Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹53.6258 | ₹16.5821 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 7 Oct 2020 | 17 Feb 2021 |
| Track record | 6.1 yrs | 5.7 yrs |
| Fund size (AUM) | ₹7,949 Cr | ₹248 Cr |
| Securities held | 39 | 66 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| 1 month | −0.12% | +2.60% |
| 3 months | −0.37% | +0.53% |
| 6 months | +6.25% | +3.60% |
| 1 year | +11.50% | +3.20% |
| 3 years (CAGR) | +21.44% | +7.57% |
| 5 years (CAGR) | +18.28% | +7.79% |
| 7 years (CAGR) | — | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +31.58% | +9.15% |
| SIP return (XIRR, 5 years) ⓘ | +19.45% | +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
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| 2026 (year to date) | +13.28% | +2.37% |
| 2025 | +4.23% | +5.48% |
| 2024 | +40.18% | +9.91% |
| 2023 | +31.47% | +15.83% |
| 2022 | +6.24% | +5.67% |
| 2021 | +80.01% | — |
Risk
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 16.06% | 7.17% |
| Downside volatility ⓘ | 8.86% | 5.25% |
| Sharpe ratio ⓘ | 0.93 | 0.15 |
| Sortino ratio ⓘ | 1.69 | 0.20 |
| Maximum drawdown ⓘ | −15.74% | −6.87% |
| Recovery from that fall | 6 months | 3 months |
| Current fall from peak | −1.91% | 0.00% |
| Rolling 1-year return: worst | +0.37% | −2.20% |
| Rolling 1-year return: median | +21.30% | +7.56% |
| Rolling 1-year return: best | +130.14% | +18.91% |
| Share of 1-year periods with a loss | 0.00% | 3.91% |
Against each fund's benchmark
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Beta ⓘ | 0.83 | 0.45 |
| Alpha (Jensen's, annualised) ⓘ | +11.08% | −0.94% |
| R² ⓘ | 58.14 | 89.66 |
| Upside capture | 116.58% | 53.48% |
| Downside capture | 55.45% | 40.98% |
| Tracking error | 10.73% | 8.43% |
| Information ratio | 1.10 | -0.20 |
| Treynor ratio | 16.65 | 0.55 |
Portfolio
Asset mix
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Equity | 74.50% | 38.20% |
| Cash & equivalents | 12.88% | 23.62% |
| Foreign Securities | 12.25% | 0.00% |
| Debt | 0.37% | 36.18% |
| REITs / InvITs | 0.00% | 2.00% |
Market-cap split (share of fund assets)
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Large Cap | 19.34% | 18.61% |
| Mid Cap | 3.45% | 9.84% |
| Small Cap | 51.71% | 9.04% |
| Unclassified | 0.00% | 0.71% |
Concentration
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| Top 10 holdings | 39.29% | 34.24% |
| Effective number of stocks ⓘ | 37.4 | 45.7 |
| Securities held | 39 | 66 |
Portfolio overlap: 8.6%
9 companies are held by both funds; by weight, 8.6% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Conservative Hybrid Plan |
|---|---|---|
| ICICI Bank Limited | 2.49% | 2.31% |
| State Bank of India | 4.35% | 1.49% |
| Kotak Mahindra Bank Limited | 3.67% | 1.07% |
| Bajaj Finance Limited | 2.53% | 0.92% |
| Sona BLW Precision Forgings Limited | 3.45% | 0.75% |
| Navin Fluorine International Limited | 1.22% | 0.67% |
| Jubilant Foodworks Limited | 2.87% | 0.58% |
| Honeywell Automation India Limited | 1.68% | 0.45% |
| Brigade Hotel Ventures Ltd. | 0.39% | 0.32% |
Top 10 holdings
SBI Children's Fund - Investment Plan
- Alphabet Inc A5.40%
- Thangamayil Jewellery Limited4.46%
- State Bank of India4.35%
- Hatsun Agro Product Ltd.3.83%
- Renew Energy Global3.77%
- Kotak Mahindra Bank Limited3.67%
- Adani Enterprises Limited3.65%
- Aequs Limited3.52%
- Sona BLW Precision Forgings Limited3.45%
- The Ramco Cements Limited3.19%
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
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Conservative Hybrid Plan | |
|---|---|---|
| CRISIL AAA | 0.25% | 12.98% |
| Banks | 10.51% | 7.41% |
| Sovereign | 0.12% | 10.38% |
| Food Products | 7.90% | 0.00% |
| Consumer Durables | 7.00% | 1.52% |
| IT - Services | 5.43% | 0.00% |
| IT - Software | 5.40% | 1.52% |
| Auto Components | 5.31% | 1.96% |
| Finance | 5.25% | 1.85% |
| CRISIL AA+ | 0.00% | 4.85% |
| Leisure Services | 4.69% | 1.52% |
| CRISIL AAA(CE) | 0.00% | 3.97% |
| Power | 3.77% | 0.48% |
| Metals & Minerals Trading | 3.65% | 0.00% |
Questions people ask
What is the difference between SBI Children's Fund - Investment Plan and SBI Retirement Benefit Fund - Conservative Hybrid Plan returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +11.50% vs +3.20%; 3-year CAGR +21.44% vs +7.57%; 5-year CAGR +18.28% vs +7.79%; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do SBI Children's Fund - Investment Plan and SBI Retirement Benefit Fund - Conservative Hybrid Plan compare on risk?
Volatility (36 monthly returns, annualised) 16.06% vs 7.17%; Sharpe ratio 0.93 vs 0.15; Sortino ratio 1.69 vs 0.20; maximum drawdown −15.74% vs −6.87%; beta 0.83 vs 0.45.
How much do SBI Children's Fund - Investment Plan and SBI Retirement Benefit Fund - Conservative Hybrid Plan overlap?
By weight, 8.6% of the two portfolios is invested in the same companies; 9 stocks are held by both, the largest shared positions being ICICI Bank Limited, State Bank of India, Kotak Mahindra Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of SBI Children's Fund - Investment Plan and SBI Retirement Benefit Fund - Conservative Hybrid Plan?
SBI Children's Fund - Investment Plan: large cap 19.3%, mid cap 3.5%, small cap 51.7%. 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.
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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.