Screener > Conservative Hybrid > SBI Conservative Hybrid Fund

SBI Conservative Hybrid Fund - Regular Plan - Growth

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AMC: SBI Mutual Fund • Category: Conservative Hybrid • NAV: Rs 76.7766 (2026-11-11) • Rank: #4 in category (#227 overall)
🏷️ Low Expense 🏛️ 10+ Years Proven
Information only. Past performance does not guarantee future returns. Check the scheme documents and consult a qualified professional before investing.

💡 Why Pick This Fund? Quantitative Strengths & Watch-outs

🟢 Key Strengths
  • Delivered positive returns in 100% of 3-year investment horizons.
  • Cost-efficient: expense ratio of 1.49% is lower than category median (1.89%).
  • Over 26 years of operational history across different market cycles.
🟡 Things to Keep in Mind
  • Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
₹97₹112₹126₹140₹155Jul '21Mar '24Nov '26
SBI Conservative Hybrid Fund

Key Statistics vs Category Median

Fund Size
Rs 10,103 cr
Category: Rs 217 cr (stretched)
Total Expense (TER)
1.49%
Category Median: 1.89%
Base Expense (BER)
1.23%
Excludes levies & brokerage
Sharpe Ratio
0.44
Category Median: 0.21
Beta
-
Category Median: -
Alpha
-
Category Median: -
Standard Deviation
3.70%
Category Median: 3.70%
MFIQ Score
7.0/10
Good
Solid risk-adjusted returns and competitive cost profile within its category.
Returns (30%) 7.2/10
3Y CAGR 7.9% vs category median 7.0% (+0.9 points); 5Y CAGR 7.5%.
Risk Management (30%) 6.8/10
Sharpe ratio 0.44 (cat median 0.21), max fall -11.9%.
Consistency (20%) 5.8/10
100.0% of 3Y rolling windows positive; beat category median in 5 of 5 calendar years.
Cost Efficiency (20%) 8.1/10
Total expense ratio 1.49% vs category median 1.89% (-0.40% points).
Ranked #4 of 13 in Conservative Hybrid. Percentile standing measured against category cohort.

Trailing Returns Comparison

Period Fund Return Category Median Difference
1 Month +0.98% +1.94% -0.96%
3 Months -0.39% +0.03% -0.42%
6 Months +1.76% +2.40% -0.64%
1 Year +3.57% +2.66% +0.91%
3 Years CAGR +7.92% +6.99% +0.93%
5 Years CAGR +7.46% +6.45% +1.01%
7 Years CAGR +9.41% +7.69% +1.72%
10 Years CAGR +8.17% +6.77% +1.40%
Since Inception +7.95% - -

📈 Monthly SIP vs Bank Fixed Deposit (FD) Replay

See how a regular monthly SIP in SBI Conservative Hybrid Fund compares against a standard 7.0% p.a. Bank Fixed Deposit.

Bank FD Benchmark
7.0% p.a. Fixed Deposit
Total Invested: ₹3,60,000
Maturity Value: ₹4,01,630
Interest Earned: +₹41,630
Actual Historical Performance
SBI Conservative Hybrid Fund
CAGR: +7.92%
Fund Value: Calculating...
Extra Wealth Over FD: +₹0

Calendar Year Returns

Year Fund Category Median Gap
2026 +3.29% +2.59% +0.70%
2025 +6.70% +6.07% +0.63%
2024 +11.01% +10.16% +0.85%
2023 +12.20% +10.90% +1.30%
2022 +4.53% +3.04% +1.49%
2021 +14.06% +9.98% +4.08%
2020 +13.54% +10.19% +3.35%
2019 +8.14% +6.88% +1.26%
2018 -0.24% +0.32% -0.56%
2017 +8.49% +10.97% -2.48%
2016 +12.50% +9.05% +3.45%
2015 +8.20% +6.27% +1.93%
2014 +18.00% +20.04% -2.04%
2013 +4.08% +5.37% -1.29%
2012 +15.43% +15.25% +0.18%
2011 +1.13% -0.32% +1.45%
2010 +7.47% +7.00% +0.47%
2009 +5.89% +20.50% -14.61%
2008 -2.76% -6.69% +3.93%
2007 +10.06% +18.43% -8.37%

Daily Rolling Returns Summary

Rolling Window Minimum Average Median Maximum % Positive % Beating Proxy
1-Year Rolling -8.51% +8.26% +7.91% +28.38% 93.7% -
3-Year Rolling +1.06% +8.44% +8.85% +14.49% 100.0% -
5-Year Rolling +4.15% +8.59% +8.74% +13.36% 100.0% -

Risk Profile & Deepest Drawdowns

Sortino Ratio
0.60
Category: 0.28
R-Squared
-
Correlation with Proxy
Upside Capture
-
Monthly return ratio
Downside Capture
-
Lower is better

Deepest Market Corrections (Depth >= 10%)

Peak Date Trough Date Fall Depth Months to Bottom Recovery Period
2020-02-20 2020-03-23 -11.9% 1 months 4 months
2008-01-07 2009-03-12 -10.6% 14 months 6 months

Portfolio & Asset Allocation

Statutory Asset Allocation Mandate (SEBI / SID)

Instrument Category Permitted Allocation Range
Debt instruments (including debt derivatives) and Money Market instruments (including Triparty Repo, Reverse repo and equivalent) 75%-90%
Units issued by InVITs - 0-10% Per Scheme Mandate
Units of Gold& Silver ETFs - 0-15% Per Scheme Mandate
Exchange Traded Commodity Derivatives (ETCDs) - 0-10% Per Scheme Mandate
Equity and Equity-related Instruments (including derivatives) - 10-25% Per Scheme Mandate

Investment Objective & Strategy

To provide the investors an opportunity to invest primarily in debt and money market instruments and secondarily in equity and equity related instruments.

ℹ️ Detailed monthly stock-level holdings for this scheme are updated periodically from asset management company statutory disclosures.

Fund Size Position

Currently managing Rs 10,103 cr (AMFI Daily Fund AUM as of 2026-11-11). Positioned as stretched relative to Conservative Hybrid schemes.

Too Small Small Comfortable Stretched Strained

Fund Management

Mansi Sajeja
Managing scheme since 2021-06-30
5.4 yrs tenure
Saurabh Pant
Managing scheme since 2022-01-01
4.9 yrs tenure

Cost & Capital Gains Taxation

From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.

Applicable Tax Structure

Non-equity oriented schemes (e.g. Conservative Hybrid): Capital gains are added to taxable income and taxed at your applicable income tax slab rates regardless of the holding period.

Tax rules as of 23 July 2024. Verify before investing.

Closest Conservative Hybrid Peers by Rank

Scheme Score 3Y Return Expense Downside Fund Size Compare
Aditya Birla Sun Life Conservative Hybrid Fund / Payment 4.9 +7.94% 1.80% - Rs 1,474 cr Compare →
HSBC Conservative Hybrid Fund 4.7 +8.11% 2.19% - Rs 151 cr Compare →
DSP Conservative Hybrid Fund 6.5 +8.15% 1.25% - Rs 178 cr Compare →
UTI Conservative Hybrid Fund 5.3 +7.35% 1.85% - Rs 1,615 cr Compare →
Parag Parikh Conservative Hybrid Fund 8.7 +8.69% 0.66% - Rs 3,451 cr Compare →

Frequently Asked Questions about SBI Conservative Hybrid Fund

What is the expense ratio of SBI Conservative Hybrid Fund?

SBI Conservative Hybrid Fund has a total expense ratio (TER) of 1.49% with a base expense ratio of 1.23%, compared to the Conservative Hybrid category median of 1.89%.

Who manages SBI Conservative Hybrid Fund?

SBI Conservative Hybrid Fund is managed by Mansi Sajeja (tenure: 5.4 years since 2021-06-30).

What are the historical returns of SBI Conservative Hybrid Fund?

SBI Conservative Hybrid Fund delivered a 3-year CAGR of 7.92% and a 5-year CAGR of 7.46%. Its 1-year return stands at +3.57%.

How large is SBI Conservative Hybrid Fund?

SBI Conservative Hybrid Fund manages assets of Rs 10,103 cr, placing it in the 'stretched' size band relative to Conservative Hybrid peers.

How is SBI Conservative Hybrid Fund scored on MFIQ?

SBI Conservative Hybrid Fund holds an MFIQ Score of 7.0/10 (Good), based on a category percentile composite across returns, risk, consistency, and cost.

How risky is SBI Conservative Hybrid Fund?

SBI Conservative Hybrid Fund has an official SEBI riskometer rating of Very High. Over the analyzed period, its annualized standard deviation is 3.70% with a maximum historical drawdown of -11.93%.