SBI Retirement Benefit Fund Aggressive · Regular · Growth
NAV
₹20.2226
as of 31 Jul 2026
Expense Ratio
1.92%
AUM
₹2,988 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.71%
- 3Y
- +8.41%
- 5Y
- +11.74%
- Since Inception
- +13.59%
SIP returns (XIRR)
- 1Y
- +4.36%
- 3Y
- +5.00%
- 5Y
- +9.15%
- Since Inception
- +10.06%
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 ₹3,66,148 today — ₹2,95,000 invested, 8.8% XIRR.
₹2,95,000
Invested
₹3,66,148
Value today
8.8%
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 ₹1,73,197 today (11.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2021 would still hold ₹13,65,818.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹3,66,148 in this fund vs ₹3,59,606 in the benchmark — outperformance of ₹6,542.
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 ₹1,04,018 today (1.04×).
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, annualised0.15
Sharpe Ratio
+0.04
Alpha
0.45
Beta
0.15
Sortino
13.69%
Std Dev
-15.08%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Jun 2026- Banks21.71%
- Industrial Products5.55%
- Automobiles5.43%
- Consumer Durables5.13%
- Finance4.87%
- Auto Components4.80%
- Cement & Cement Products4.66%
- Retailing4.52%
- Pharmaceuticals & Biotechnology4.38%
- Construction4.19%
- Realty3.52%
- Leisure Services3.39%
Each sector links to the mutual funds most exposed to it.
Thinking about SBI Retirement Benefit Fund Aggressive · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
Fund Details
Available transactions
Portfolio holdings
- 1Hdfc Bank Ltd.6.80%
- 2Icici Bank Ltd.5.77%
- 3Treps4.56%
- 4Larsen & Toubro Ltd.4.19%
- 5State Bank Of India3.80%
- 6Maruti Suzuki India Ltd.3.68%
- 7Axis Bank Ltd.2.87%
- 8Ultratech Cement Ltd.2.61%
- 9Kotak Mahindra Bank Ltd.2.47%
- 10Bajaj Finance Ltd.2.31%
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 ₹2,988 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