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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 Hybrid · Regular · Growth
NAV
₹18.9882
as of 29 Sept 2026
Expense Ratio
2.15%
AUM
₹1,579 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.19%
- 3Y
- +7.59%
- 5Y
- +9.28%
- Since Inception
- +12.06%
SIP returns (XIRR)
- 1Y
- -0.21%
- 3Y
- +3.70%
- 5Y
- +7.73%
- Since Inception
- +8.72%
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 ₹3,62,465 today — ₹3,00,000 invested, 7.6% XIRR.
₹3,00,000
Invested
₹3,62,465
Value today
7.6%
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 ₹1,55,850 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 ₹11,96,039.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹3,62,465 in this fund vs ₹3,37,985 in the benchmark — outperformance of ₹24,480.
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 ₹1,05,907 today (1.06×).
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-0.12
Sharpe Ratio
+0.03
Alpha
0.35
Beta
-0.11
Sortino
11.00%
Std Dev
-12.26%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks16.98%
- Automobiles6.04%
- Retailing5.03%
- Chemicals & Petrochemicals4.20%
- Auto Components4.17%
- Pharmaceuticals & Biotechnology4.11%
- Industrial Products3.89%
- Cement & Cement Products3.81%
- Finance3.71%
- Consumer Durables3.43%
- Construction3.28%
- IT - Software3.11%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Sbi Gold Etf9.20%
- 2Icici Bank Ltd.4.83%
- 3Hdfc Bank Ltd.4.75%
- 4Larsen & Toubro Ltd.3.28%
- 5State Bank Of India3.03%
- 6National Highways Infra Trust2.66%
- 7Maruti Suzuki India Ltd.2.64%
- 8Altius Telecom Infrastructure Trust2.54%
- 9Cube Highways Trust2.44%
- 10Ultratech Cement Ltd.2.29%
What this fund does
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 ₹1,579 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 2.15%.
Who Should Invest?
- •Individuals planning for retirement with a systematic long-term investment approach