SBI Retirement Benefit Fund Aggressive · Regular · Growth
NAV
₹19.7278
as of 17 Jun 2026
Expense Ratio
1.92%
AUM
₹3,025 Cr
Lumpsum returns (CAGR)
- 1Y
- -0.76%
- 3Y
- +9.18%
- 5Y
- +12.29%
- Since Inception
- +13.40%
SIP returns (XIRR)
- 1Y
- +0.17%
- 3Y
- +4.07%
- 5Y
- +8.71%
- Since Inception
- +9.57%
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
₹40,159
Benchmark
₹40,010
+₹149 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
₹40,159
Value today
7.9%
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
₹9,455
Value today
12.6%
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Withdrawn
₹14,89,339
Corpus left
+₹8,14,339 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
₹10,08,011
Value today
-11.2%
vs lumpsum
Direct lumpsum would have beaten STP by 11.2% — 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
₹97,263
Value today
1.0×
Multiple
Risk Metrics
Trailing 1 year, annualised-0.40
Sharpe Ratio
-0.04
Alpha
0.44
Beta
-0.39
Sortino
14.04%
Std Dev
-15.08%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Apr 2026- Banks21.65%
- Auto Components6.35%
- Petroleum Products5.85%
- Automobiles5.40%
- Industrial Products5.29%
- Consumer Durables5.21%
- Finance4.69%
- Construction4.19%
- IT - Software3.83%
- Retailing3.68%
- Leisure Services3.60%
- Realty3.49%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.6.79%
- 2Reliance Industries Ltd.5.85%
- 3Icici Bank Ltd.5.48%
- 4Larsen & Toubro Ltd.4.19%
- 5State Bank Of India4.09%
- 6Treps3.73%
- 7Maruti Suzuki India Ltd.3.58%
- 8Infosys Ltd.2.80%
- 9Axis Bank Ltd.2.80%
- 10Ultratech Cement Ltd.2.78%
Investment Objective
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 ₹3,025 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against BSE 500 TRI. The current expense ratio is 1.92%.
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