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SBI Pension Fund Scheme C - Tier I
09Allocations
Asset Allocation
Corporate Bond Rating Holdings
| CAGR of | 1 year | 3 year | 5 year | 7 year | Since Inception |
|---|---|---|---|---|---|
| This Fund | 8.34% | 8.37% | 6.69% | 8.31% | 5.80% |
Strengths
YTM
Potential for higher returns as the fund maintains a high Yield to Maturity (YTM).
Expense Ratio
The Expense Ratio for the fund is 0.05%, which is lower than the category average of 0.08%.
Historical Returns
High returns indicate that the fund performs well and grows your money reliably.
Weaknesses
Modified Duration (MD)
High modified duration indicates that it is more sensitive to changes in interest rates, suggesting higher risk for the fund.
Standard Deviation
A high standard deviation means the fund is volatile with higher risk.
Quality & Diversification
The fund holds slightly high AA-equivalent bonds compared to other schemes.
Who Should Invest?
Investors with a low-risk tolerance who prioritize stability over high returns might consider this fund. It's suitable for those who are comfortable with a low risk and are seeking a relatively stable investment option.
Who Should Avoid?
Investors seeking high returns or aggressive growth should avoid this fund.
Investment Strategy
The SBI pension Fund Scheme C follows a balanced and conservative investment strategy, emphasising high-quality fixed-income securities. The portfolio is primarily composed of debt instruments, including corporate bonds, debentures, and government securities, with a predominant allocation to AAA-rated instruments to ensure credit safety and stable returns. The scheme maintains diversified exposure across sectors such as power generation, financial services, infrastructure, housing finance, and public sector enterprises. This strategic allocation helps mitigate credit and interest rate risks while generating predictable income. The fund also includes money market instruments to ensure liquidity and manage short-term cash flow requirements. Overall, the scheme aims to preserve capital while delivering steady growth, making it suitable for investors with low to moderate risk appetite.
About SBI pension Fund
Incorporated in December 2007, SBI Pension Funds Private Limited (SBIPFPL) commenced operations in April 2008 with the management of National Pension System (NPS) funds for Central Government employees. Since then, it has steadily expanded its mandate to include State Governments, Public Sector Undertakings (PSUs), Central Public Sector Enterprises (CPSEs), private corporations, and individual citizens. SBIPFPL is one of only two Pension Fund Managers entrusted with overseeing all NPS schemes since their inception. In February 2019, the company was awarded a Point of Presence (PoP) licence, authorising it to market and distribute NPS products—a facility extended exclusively to existing Pension Fund Managers. SBIPFPL is sponsored by State Bank of India, which holds an 80% stake, and SBI Funds Management Limited (SBI Mutual Fund), which holds the remaining 20%. As a responsible and trusted fund manager, the company is dedicated to safeguarding and enhancing the retirement savings of NPS subscribers. It regularly conducts subscriber engagement sessions to provide updates on scheme performance, educate on investment options, and offer informed guidance tailored to subscribers’ needs.
- FOUNDED IN2009
- CEOMr. Pranay Ranjan Dwivedi
- Fund House AUM570087 Cr
Disclaimer
1 Finance Private Limited operates independently. The information presented herein is intended solely for educational and informational purposes and should not be construed as financial advice. Before making any financial decisions, it's essential to undertake your own thorough research and analysis. If you're uncertain about any financial matters, we strongly recommend seeking guidance from a qualified financial advisor.
09Allocations
Asset Allocation
Corporate Bond Rating Holdings
| CAGR of | 1 year | 3 year | 5 year | 7 year | Since Inc. |
|---|---|---|---|---|---|
| This Fund | 8.34% | 8.37% | 6.69% | 8.31% | 5.80% |
Strengths
Sharpe Ratio
Potential for higher returns as the fund maintains a high Yield to Maturity (YTM).
Treynor Ratio
The Expense Ratio for the fund is 0.05%, which is lower than the category average of 0.08%.
Expense Ratio
High returns indicate that the fund performs well and grows your money reliably.
Weaknesses
Sortino Ratio
High modified duration indicates that it is more sensitive to changes in interest rates, suggesting higher risk for the fund.
Jensen's Alpha
A high standard deviation means the fund is volatile with higher risk.
Age of the Fund
The fund holds slightly high AA-equivalent bonds compared to other schemes.
Who Should Invest?
Investors with a low-risk tolerance who prioritize stability over high returns might consider this fund. It's suitable for those who are comfortable with a low risk and are seeking a relatively stable investment option.
Who Should Avoid?
Investors seeking high returns or aggressive growth should avoid this fund.
Investment Strategy
The SBI pension Fund Scheme C follows a balanced and conservative investment strategy, emphasising high-quality fixed-income securities. The portfolio is primarily composed of debt instruments, including corporate bonds, debentures, and government securities, with a predominant allocation to AAA-rated instruments to ensure credit safety and stable returns. The scheme maintains diversified exposure across sectors such as power generation, financial services, infrastructure, housing finance, and public sector enterprises. This strategic allocation helps mitigate credit and interest rate risks while generating predictable income. The fund also includes money market instruments to ensure liquidity and manage short-term cash flow requirements. Overall, the scheme aims to preserve capital while delivering steady growth, making it suitable for investors with low to moderate risk appetite.
About SBI pension Fund
Incorporated in December 2007, SBI Pension Funds Private Limited (SBIPFPL) commenced operations in April 2008 with the management of National Pension System (NPS) funds for Central Government employees. Since then, it has steadily expanded its mandate to include State Governments, Public Sector Undertakings (PSUs), Central Public Sector Enterprises (CPSEs), private corporations, and individual citizens. SBIPFPL is one of only two Pension Fund Managers entrusted with overseeing all NPS schemes since their inception. In February 2019, the company was awarded a Point of Presence (PoP) licence, authorising it to market and distribute NPS products—a facility extended exclusively to existing Pension Fund Managers. SBIPFPL is sponsored by State Bank of India, which holds an 80% stake, and SBI Funds Management Limited (SBI Mutual Fund), which holds the remaining 20%. As a responsible and trusted fund manager, the company is dedicated to safeguarding and enhancing the retirement savings of NPS subscribers. It regularly conducts subscriber engagement sessions to provide updates on scheme performance, educate on investment options, and offer informed guidance tailored to subscribers’ needs.
- FOUNDED IN2009
- CEOMr. Pranay Ranjan Dwivedi
- Fund House AUM570087 Cr
Disclaimer
1 Finance Private Limited operates independently. The information presented herein is intended solely for educational and informational purposes and should not be construed as financial advice. Before making any financial decisions, it's essential to undertake your own thorough research and analysis. If you're uncertain about any financial matters, we strongly recommend seeking guidance from a qualified financial advisor.