SBI Retirement Benefit Fund Aggressive Hybrid · Regular · Growth
NAV
₹19.0742
as of 17 Jun 2026
Expense Ratio
2.06%
AUM
₹1,624 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.37%
- 3Y
- +9.78%
- 5Y
- +11.84%
- Since Inception
- +12.69%
SIP returns (XIRR)
- 1Y
- +2.66%
- 3Y
- +5.77%
- 5Y
- +9.18%
- Since Inception
- +9.82%
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 —.
Beat the benchmark — ₹500/month SIP
Same SIP in this fund vs the benchmark index
This fund
₹40,720
Benchmark
₹40,010
+₹710 extra wealth vs the benchmark index
Backtest this SIP yourselfSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹32,500
Invested
₹40,720
Value today
8.4%
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
₹9,197
Value today
12.0%
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
₹3,25,000
Withdrawn
₹14,32,235
Corpus left
+₹7,57,235 net gain — withdrew ₹3,25,000 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
₹9,96,938
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₹1 lakh on the worst crash day — 03 Jun 2024
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,02,595
Value today
1.0×
Multiple
Staying invested through that crash turned ₹1L into ₹1,02,595 — a 1.0× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.27
Sharpe Ratio
-0.01
Alpha
0.36
Beta
-0.27
Sortino
11.70%
Std Dev
-12.26%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Apr 2026- Banks17.70%
- Auto Components5.29%
- Petroleum Products4.70%
- Industrial Products4.59%
- Automobiles4.49%
- Consumer Durables4.28%
- Finance3.66%
- Construction3.44%
- IT - Software3.14%
- Retailing3.01%
- Leisure Services2.97%
- Realty2.48%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Treps6.74%
- 2Hdfc Bank Ltd.5.68%
- 3Sbi Gold Etf4.91%
- 4Reliance Industries Ltd.4.70%
- 56.48% Cgl 20354.57%
- 6Icici Bank Ltd.4.43%
- 7Larsen & Toubro Ltd.3.44%
- 8State Bank Of India3.23%
- 9Maruti Suzuki India Ltd.2.94%
- 10National Highways Infra Trust2.63%
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 ₹1,624 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