SBI Retirement Benefit Fund Aggressive Hybrid · Regular · Growth
NAV
₹19.7657
as of 03 Aug 2026
Expense Ratio
2.06%
AUM
₹1,564 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.76%
- 3Y
- +10.04%
- 5Y
- +11.50%
- Since Inception
- +13.10%
SIP returns (XIRR)
- 1Y
- +9.03%
- 3Y
- +7.15%
- 5Y
- +9.95%
- Since Inception
- +10.66%
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 (Aug 2021 – Jul 2026)
A ₹5,000 monthly SIP for the last 5 years (Aug 2021 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹3,69,618 today — ₹2,95,000 invested, 9.2% XIRR.
₹2,95,000
Invested
₹3,69,618
Value today
9.2%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 5 years (Aug 2021 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 5 years ago would be ₹1,69,378 today (11.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2021 would still hold ₹13,24,159.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹3,69,618 in this fund vs ₹3,59,606 in the benchmark — outperformance of ₹10,012.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 5 years (Aug 2021 – Jul 2026) (3 Jun 2024) would be ₹1,08,538 today (1.08×).
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, annualised0.34
Sharpe Ratio
+0.06
Alpha
0.38
Beta
0.34
Sortino
11.52%
Std Dev
-12.26%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Banks17.97%
- Industrial Products4.83%
- Automobiles4.55%
- Consumer Durables4.27%
- Auto Components4.04%
- Cement & Cement Products4.02%
- Finance3.83%
- Retailing3.71%
- Pharmaceuticals & Biotechnology3.51%
- Construction3.48%
- Leisure Services2.83%
- Chemicals & Petrochemicals2.67%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Treps5.77%
- 2Hdfc Bank Ltd.5.75%
- 3Icici Bank Ltd.4.72%
- 4Sbi Gold Etf4.51%
- 5Larsen & Toubro Ltd.3.48%
- 6Maruti Suzuki India Ltd.3.05%
- 7State Bank Of India3.04%
- 86.90% Cgl 20652.88%
- 9National Highways Infra Trust2.70%
- 10Altius Telecom Infrastructure Trust2.54%
Investment Objective
SBI Retirement Benefit Fund Aggressive Hybrid · 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 Hybrid · 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 ₹1,564 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Hybrid 35+65 - Aggressive Index. The current expense ratio is 2.06%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations