SBI Conservative Hybrid Fund - Regular Plan - Growth
💡 Why Pick This Fund? Quantitative Strengths & Watch-outs
- 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.
- Equities carry market risk; returns fluctuate and recommended investment horizon is 5+ years.
Key Statistics vs Category Median
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.
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
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.
Fund Management
Cost & Capital Gains Taxation
From April 2026 the total expense ratio includes brokerage, transaction costs and statutory levies on top of the base fee.
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.
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%.