Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansSBI Retirement Benefit Fund Aggressive · Regular · Growth
NAV
₹19.5485
as of 29 Sept 2026
Expense Ratio
2.09%
AUM
₹3,005 Cr
Lumpsum returns (CAGR)
- 1Y
- -1.08%
- 3Y
- +6.64%
- 5Y
- +9.27%
- Since Inception
- +12.64%
SIP returns (XIRR)
- 1Y
- -2.26%
- 3Y
- +1.81%
- 5Y
- +7.02%
- Since Inception
- +8.33%
Returns calculated from 20 January 2021 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 5 years (Sept 2021 – Sept 2026)
A ₹5,000 monthly SIP for the last 5 years (Sept 2021 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,55,697 today — ₹3,00,000 invested, 6.8% XIRR.
₹3,00,000
Invested
₹3,55,697
Value today
6.8%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Sept 2021 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,55,750 today (9.3% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2021 would still hold ₹12,01,803.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹3,55,697 in this fund vs ₹3,37,985 in the benchmark — outperformance of ₹17,712.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Sept 2021 – Sept 2026) (3 Jun 2024) would be ₹1,00,551 today (1.01×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.25
Sharpe Ratio
+0.01
Alpha
0.41
Beta
-0.24
Sortino
12.93%
Std Dev
-15.08%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks20.64%
- Automobiles7.23%
- Retailing6.10%
- Pharmaceuticals & Biotechnology5.08%
- Chemicals & Petrochemicals4.99%
- Auto Components4.89%
- Finance4.88%
- Industrial Products4.69%
- Cement & Cement Products4.38%
- Consumer Durables4.08%
- IT - Software3.94%
- Construction3.93%
Each sector links to the mutual funds most exposed to it.
Related reading
Thinking about SBI Retirement Benefit Fund Aggressive · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.5.86%
- 2Hdfc Bank Ltd.5.80%
- 3Larsen & Toubro Ltd.3.93%
- 4State Bank Of India3.77%
- 5Maruti Suzuki India Ltd.3.16%
- 6Axis Bank Ltd.2.67%
- 7Ultratech Cement Ltd.2.55%
- 8Kotak Mahindra Bank Ltd.2.54%
- 9Urban Company Ltd.2.40%
- 10Bajaj Finance Ltd.2.33%
What this fund does
SBI Retirement Benefit Fund Aggressive · Regular · Growth by SBI Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
SBI Retirement Benefit Fund Aggressive · Regular · Growth is a Retirement Fund mutual fund offered by SBI Mutual Fund. The fund has been operational for over 5 years. It manages assets worth ₹3,005 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against BSE 500 TRI. The current expense ratio is 2.09%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach