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Retirement Fundregulargrowth📊 CRISIL Hybrid 35+65 - Aggressive Index

SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth

SBI Mutual Fund

#13 of 29 (1Y)

₹18.7004

0.00 (-0.01%)

NAV as of 31 May 2026

Today's NAV — all variants

Regular · Growth

₹₹18.7004

0.00 (-0.01%)

31 May 2026

AMFI: 148695

Direct · Growth

₹₹19.8737

0.00 (-0.00%)

31 May 2026

AMFI: 148685

Regular · IDCW

₹₹18.6999

0.00 (-0.01%)

31 May 2026

AMFI: 148684

Direct · IDCW

₹₹19.8758

0.00 (-0.00%)

31 May 2026

AMFI: 148686

Returns (Lumpsum)

CAGR for periods ≥ 1 year
1 Week-1.24%
1 Month-1.88%
3 Months-3.79%
6 Months-4.81%
1 Year-0.05%
3 Years (CAGR)+10.06%
5 Years (CAGR)+11.74%
10 Years (CAGR)
Since Inception (Jan 2021)+12.24%

SIP Returns (XIRR)

₹1,000/month SIP, annualised
1 Year SIP-2.57%
3 Year SIP+4.31%
5 Year SIP+8.35%
Since Inception (Jan 2021)+8.93%

SIP since inception — what ₹500/month became

Real NAV backtest from day one

₹32,000

Invested

₹40,894

Value today

9.1%

XIRR (p.a.)

500/month SIP from fund inception · Current value as of today

Try SIP Calculator with this fund's history

5,000 lumpsum at launch — value today

Invested on the fund's first NAV date

₹5,000

Invested

₹9,350

Value today

12.4%

CAGR (p.a.)

One-time investment at fund inception · Growth purely from NAV appreciation

Try Lumpsum Calculator

₹10L corpus with ₹5,000/month withdrawals since inception

Corpus is still growing despite monthly payouts

₹10,00,000

Initial corpus

₹3,20,000

Withdrawn

₹14,61,103

Corpus left

+₹7,81,103 net gain — withdrew ₹3,20,000 AND corpus grew

Plan your SWP with real NAV

₹6L corpus via 12-month STP from a liquid fund at inception

₹50K/month transferred from HDFC Liquid → this fund at launch

₹6,00,000

Invested

₹10,13,292

Value today

-9.7%

vs lumpsum

Direct lumpsum would have beaten STP by 9.7% — but STP reduced timing risk

Model your own STP with real NAV

Beat the benchmark — ₹500/month SIP

Same SIP in this fund vs the benchmark index

This fund

₹40,894

Benchmark

₹39,347

+₹1,547 extra wealth vs the benchmark index

Backtest this SIP yourself

₹1 lakh on the worst crash day — 03 Jun 2024

Worst single-day Nifty drop during this fund's life

₹1,00,000

Invested

₹1,04,302

Value today

1.0×

Multiple

Staying invested through that crash turned ₹1L into ₹1,04,302 — a 1.0× return

Read: Staying invested through crashes

Direct vs Regular — ₹500/month over 5 years

Expense ratio drag on your actual returns

Direct plan

₹39,280

Regular plan

₹38,101

Direct earns ₹1,179 more on a ₹30K investment0.79% extra return per year

Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.

Learn about Direct vs Regular plans

Fund Details

Fund HouseSBI Mutual Fund
CategoryRetirement Fund
Plan Typeregular
Optiongrowth
AUM₹1,624 Cr
Expense Ratio2.06%
Min SIP₹500
Min Lumpsum₹5,000
BenchmarkCRISIL Hybrid 35+65 - Aggressive Index ✓
Launch Date20 Jan 2021
AMFI Code148695

Risk Metrics

Trailing 1 year, annualised

-0.56

Sharpe Ratio

-0.04

Alpha

0.32

Beta

-0.54

Sortino

11.56%

Std Dev

-12.26%

Max Drawdown

Portfolio Holdings

Top 50 holdings · as of Apr 2026

Equity44 holdings · 11079.0%
Security% NAV

HDFC Bank Ltd.

INE040A01034

581.00%

HDFC Bank Ltd.

INE040A01034

568.00%

Reliance Industries Ltd.

INE002A01018

477.00%

Reliance Industries Ltd.

INE002A01018

470.00%

ICICI Bank Ltd.

INE090A01021

457.00%

ICICI Bank Ltd.

INE090A01021

443.00%

Larsen & Toubro Ltd.

INE018A01030

344.00%

Larsen & Toubro Ltd.

INE018A01030

324.00%

State Bank of India

INE062A01020

323.00%

State Bank of India

INE062A01020

320.00%

Maruti Suzuki India Ltd.

INE585B01010

294.00%

Maruti Suzuki India Ltd.

INE585B01010

293.00%

National Highways Infra Trust

INE0H7R23014

291.00%

Infosys Ltd.

INE009A01021

272.00%

National Highways Infra Trust

INE0H7R23014

263.00%

Cube Highways Trust

INE0NR623014

259.00%

Ultratech Cement Ltd.

INE481G01011

245.00%

Ultratech Cement Ltd.

INE481G01011

245.00%

Cube Highways Trust

INE0NR623014

243.00%

Infosys Ltd.

INE009A01021

238.00%

Axis Bank Ltd.

INE238A01034

234.00%

Axis Bank Ltd.

INE238A01034

231.00%

Urban Company Ltd.

INE0CAZ01013

207.00%

Hindalco Industries Ltd.

INE038A01020

203.00%

Kotak Mahindra Bank Ltd.

INE237A01036

202.00%

Kotak Mahindra Bank Ltd.

INE237A01036

201.00%

Urban Company Ltd.

INE0CAZ01013

194.00%

Hindalco Industries Ltd.

INE038A01020

187.00%

Timken India Ltd.

INE325A01013

185.00%

Bajaj Finance Ltd.

INE296A01032

184.00%

Timken India Ltd.

INE325A01013

182.00%

Bajaj Finance Ltd.

INE296A01032

170.00%

TVS Motor Company Ltd.

INE494B01023

161.00%

Schaeffler India Ltd.

INE513A01022

161.00%

Schaeffler India Ltd.

INE513A01022

160.00%

Abbott India Ltd.

INE358A01014

156.00%

TVS Motor Company Ltd.

INE494B01023

155.00%

ZF Commercial Vehicle Control Systems India Ltd.

INE342J01019

154.00%

ZF Commercial Vehicle Control Systems India Ltd.

INE342J01019

152.00%

Navin Fluorine International Ltd.

INE048G01026

138.00%

Navin Fluorine International Ltd.

INE048G01026

135.00%

Asian Paints Ltd.

INE021A01026

128.00%

Jubilant Foodworks Ltd.

INE797F01020

126.00%

Asian Paints Ltd.

INE021A01026

123.00%
Debt4 holdings · 2134.0%
Security% NAV

TREPS

674.00%

TREPS

510.00%

6.48% CGL 2035

IN0020250091

493.00%

6.48% CGL 2035

IN0020250091

457.00%
Fund Units2 holdings · 1012.0%
Security% NAV

SBI Gold ETF

INF200KA16D8

521.00%

SBI Gold ETF

INF200KA16D8

491.00%

Performance Comparison

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Investment Objective

SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - 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 Plan - Regular Plan - 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 ₹1,624 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