SBI Retirement Benefit Fund - Aggressive Hybrid Plan
Retirement SolutionsVery HighOPEN-ENDED
- NAV as on 9 Nov 2026
- ₹19.90+0.66%1 day
- Return since launch
- 12.4%
- 52-week range
- ₹17.19 — ₹20.05
- AUM
- ₹1,587 Cr
SBI Retirement Benefit Fund - Aggressive Hybrid Plan is a Retirement Solutions hybrid fund from SBI Mutual Fund with ₹1,587 Cr under management, launched in 2021. Over three years it has returned 6.0% a year, against 8.6% for its category. The expense ratio is 2.15% and the SEBI riskometer reading is Very High.
Performance
SBI Retirement Benefit Fund - Aggressive Hybrid Plan NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +3.7% against +0.4% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 8.2% | +6.8 pts | 1.5% | 3.3% |
| 2Y | 6.3% | +2.0 pts | 4.4% | 3.3% |
| 3Y | 6.0% | −2.6 pts | 8.6% | 4.6% |
| 5Y | 9.1% | +2.0 pts | 7.1% | 7.4% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 6.3% | +1.9 pts | 4.4% | 4.3% |
| 3M | 0.3% | +0.9 pts | -0.6% | -0.4% |
| 6M | 6.3% | +2.9 pts | 3.4% | 3.2% |
| 1Y | 3.7% | +2.2 pts | 1.5% | 0.4% |
| 2Y | 3.3% | −0.1 pts | 3.3% | 3.5% |
| 3Y | 9.4% | +0.8 pts | 8.6% | 8.6% |
| 5Y | 9.1% | +2.0 pts | 7.1% | 7.1% |
Since launch (20 Jan 2021): 12.4%
Calendar-year returns
Category average6.5%
23.0%
10.4%
7.0%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 7.0% | +0.5 pts | 6.5% |
| 2024 | 10.4% | −4.4 pts | 14.8% |
| 2023 | 23.0% | +4.4 pts | 18.6% |
| 2022 | 6.5% | +4.1 pts | 2.4% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.14%
Expense ratio as on 5 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.72%
- Brokerage
- 0.03%
- Transaction charges
- 0.00%
- Statutory levies
- 0.39%
- Exit load
- 0%
- Lock-in
- 5 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Hybrid 35+65 Aggressive Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.23 | 0.40 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.29 | 0.54 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 12.39 | 13.28 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
SBI Retirement Benefit Fund - Aggressive Hybrid Plan portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Equity77.5%
- Debt0.6%
- Commodities9.1%
- Other12.8%
Market cap split
- Large48.3%
- Mid24.9%
- Small26.8%
- P/E
- 30.51
- P/B
- 4.02
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| SBI Gold ETF | Unclassified | 9.26% | ₹147 Cr | +4.51% | +5.21% | +2.62% |
| HDFC Bank Ltd. | Financial | 5.00% | ₹79.32 Cr | +5.75% | +5.81% | +6.81% |
| ICICI Bank Ltd. | Financial | 4.62% | ₹73.35 Cr | +4.72% | +4.57% | +4.60% |
| Others | Others | 4.55% | ₹72.29 Cr | -0.46% | +0.02% | +0.05% |
| Larsen & Toubro Ltd. | Construction | 3.21% | ₹50.98 Cr | +3.48% | +3.24% | +3.05% |
| State Bank of India | Financial | 2.89% | ₹45.91 Cr | +3.04% | +3.20% | +2.57% |
| National Highways Infra Trust | Construction | 2.79% | ₹44.32 Cr | +2.70% | +2.91% | +2.24% |
| Altius Telecom Infrastructure Trust | Construction | 2.73% | ₹43.41 Cr | +2.54% | — | — |
| Cube Highways Trust | Services | 2.54% | ₹40.33 Cr | +2.49% | +2.59% | +2.15% |
| Maruti Suzuki India Ltd. | Automobile | 2.46% | ₹39.01 Cr | +3.05% | +2.93% | +3.84% |
| Ultratech Cement Ltd. | Materials | 2.31% | ₹36.59 Cr | +2.33% | +2.45% | +2.51% |
| Kotak Mahindra Bank Ltd. | Financial | 2.19% | ₹34.82 Cr | +2.03% | +2.01% | +2.05% |
| Urban Company Ltd. | Consumer Staples | 2.00% | ₹31.80 Cr | +1.64% | +2.07% | +2.55% |
| JSW Infrastructure Ltd. | Services | 1.86% | ₹29.51 Cr | +1.25% | — | — |
| Lenskart Solutions Ltd. | Consumer Discretionary | 1.82% | ₹28.84 Cr | +0.84% | — | — |
| TVS Motor Company Ltd. | Automobile | 1.81% | ₹28.74 Cr | +1.50% | +1.61% | +1.48% |
| Bajaj Finance Ltd. | Financial | 1.70% | ₹26.96 Cr | +1.93% | +1.70% | — |
| Divi's Laboratories Ltd. | Healthcare | 1.69% | ₹26.76 Cr | +1.17% | +1.17% | +1.36% |
| Navin Fluorine International Ltd. | Chemicals | 1.66% | ₹26.38 Cr | +1.52% | +1.35% | +0.91% |
| Timken India Ltd. | Capital Goods | 1.66% | ₹26.34 Cr | +1.81% | +1.85% | +1.55% |
| CORONA Remedies Ltd. | Healthcare | 1.65% | ₹26.23 Cr | — | — | — |
| Anthem Biosciences Ltd. | Healthcare | 1.65% | ₹26.19 Cr | +1.45% | — | — |
| Sona BLW Precision Forgings Ltd. | Automobile | 1.57% | ₹24.88 Cr | +1.15% | +0.98% | +0.76% |
| Hyundai Motor India Ltd. | Automobile | 1.54% | ₹24.37 Cr | — | — | — |
| Schaeffler India Ltd. | Capital Goods | 1.51% | ₹23.93 Cr | +1.59% | +1.61% | +1.59% |
| Central Depository Services (India) Ltd. | Financial | 1.50% | ₹23.76 Cr | — | — | — |
| JSW Cement Ltd. | Materials | 1.44% | ₹22.91 Cr | +1.69% | — | — |
| Elevate Campuses Ltd. | Construction | 1.43% | ₹22.78 Cr | — | — | — |
| FSN E-Commerce Ventures Ltd. | Services | 1.29% | ₹20.48 Cr | +1.23% | +1.03% | +0.91% |
| Asian Paints Ltd. | Materials | 1.26% | ₹19.94 Cr | +1.35% | +1.23% | +1.20% |
| ZF Commercial Vehicle Control Systems India Ltd. | Automobile | 1.21% | ₹19.15 Cr | +1.30% | +1.54% | +1.30% |
| Jubilant FoodWorks Ltd. | Services | 1.19% | ₹18.95 Cr | +1.07% | +1.23% | +1.58% |
| The Indian Hotels Company Ltd. | Services | 1.19% | ₹18.94 Cr | +1.15% | +1.01% | — |
| Bajaj Finserv Ltd. | Financial | 1.19% | ₹18.87 Cr | +1.20% | +1.21% | — |
| Tech Mahindra Ltd. | Technology | 1.17% | ₹18.59 Cr | — | — | — |
| Grindwell Norton Ltd. | Metals & Mining | 1.11% | ₹17.69 Cr | +1.40% | +0.97% | +1.02% |
| Pidilite Industries Ltd. | Chemicals | 1.08% | ₹17.14 Cr | +1.15% | +1.03% | — |
| Coforge Ltd. | Technology | 1.07% | ₹17.05 Cr | — | — | — |
| Sudeep Pharma Ltd. | Healthcare | 1.07% | ₹16.91 Cr | — | — | — |
| Balrampur Chini Mills Ltd. | Consumer Staples | 1.04% | ₹16.57 Cr | +1.03% | +1.02% | +0.84% |
| Thermax Ltd. | Capital Goods | 0.97% | ₹15.43 Cr | +1.45% | +1.01% | +0.60% |
| Honeywell Automation India Ltd. | Capital Goods | 0.97% | ₹15.39 Cr | +1.13% | +0.83% | +1.02% |
| Oberoi Realty Ltd. | Construction | 0.96% | ₹15.18 Cr | +0.94% | +0.83% | — |
| Interglobe Aviation Ltd. | Services | 0.91% | ₹14.45 Cr | +0.96% | +0.78% | — |
| DLF Ltd. | Construction | 0.87% | ₹13.82 Cr | +0.79% | +0.70% | +0.90% |
| Carborundum Universal Ltd. | Metals & Mining | 0.87% | ₹13.78 Cr | +0.80% | +0.58% | +0.63% |
| Torrent Power Ltd. | Energy | 0.86% | ₹13.70 Cr | +0.96% | +0.98% | +0.82% |
| Berger Paints India Ltd. | Materials | 0.86% | ₹13.66 Cr | +0.95% | +0.84% | +0.12% |
| ABB India Ltd. | Capital Goods | 0.85% | ₹13.51 Cr | +0.87% | +0.81% | +0.64% |
| Pitti Engineering Ltd. | Capital Goods | 0.82% | ₹13.09 Cr | +0.69% | +0.54% | +0.70% |
| Biocon Ltd. | Healthcare | 0.80% | ₹12.78 Cr | +0.89% | — | — |
| Page Industries Ltd. | Textiles | 0.78% | ₹12.37 Cr | +0.87% | +0.74% | +0.85% |
| Voltas Ltd. | Consumer Discretionary | 0.78% | ₹12.31 Cr | +0.91% | +1.00% | — |
| Godrej Properties Ltd. | Construction | 0.72% | ₹11.40 Cr | +0.81% | +0.70% | — |
| LTM Limited | Technology | 0.71% | ₹11.33 Cr | +0.61% | +0.77% | +0.89% |
| HDB Financial Services Ltd. | Financial | 0.59% | ₹9.32 Cr | +0.70% | +0.57% | +0.69% |
| Brigade Hotel Ventures Ltd. | Services | 0.56% | ₹8.84 Cr | +0.61% | +0.59% | +0.78% |
| Esab India Ltd. | Capital Goods | 0.41% | ₹6.57 Cr | +0.82% | +0.92% | +0.82% |
| Housing & Urban Development Corporation Ltd. | Financial | 0.32% | ₹5.11 Cr | +0.32% | +0.35% | +0.32% |
| GOI | Sovereign | 0.26% | ₹4.12 Cr | +2.88% | +4.93% | +5.89% |
| Kajaria Ceramics Ltd. | Materials | 0.21% | ₹3.34 Cr | +1.06% | +0.89% | +1.21% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Axis Bank Ltd. | 2.27% | 0.00% | -2.27% |
| CORONA Remedies Ltd. | 0.00% | 1.65% | +1.65% |
| Elevate Campuses Ltd. | 0.00% | 1.43% | +1.43% |
| ICICI Life Insurance Ltd. | 0.76% | 0.00% | -0.76% |
| Others | 0.42% | -0.28% | -0.70% |
| Sudeep Pharma Ltd. | 1.36% | 1.07% | -0.29% |
| HDFC Bank Ltd. | 4.75% | 5.00% | +0.25% |
| ICICI Bank Ltd. | 4.83% | 4.62% | -0.21% |
| Altius Telecom Infrastructure Trust | 2.54% | 2.73% | +0.19% |
| Kajaria Ceramics Ltd. | 0.40% | 0.21% | -0.19% |
| Maruti Suzuki India Ltd. | 2.64% | 2.46% | -0.18% |
| JSW Infrastructure Ltd. | 1.68% | 1.86% | +0.18% |
| Lenskart Solutions Ltd. | 1.67% | 1.82% | +0.15% |
| State Bank of India | 3.03% | 2.89% | -0.14% |
| Carborundum Universal Ltd. | 0.73% | 0.87% | +0.14% |
| National Highways Infra Trust | 2.66% | 2.79% | +0.13% |
| Bajaj Finserv Ltd. | 1.32% | 1.19% | -0.13% |
| Godrej Properties Ltd. | 0.84% | 0.72% | -0.12% |
| Sona BLW Precision Forgings Ltd. | 1.46% | 1.57% | +0.11% |
| Cube Highways Trust | 2.44% | 2.54% | +0.10% |
| Pidilite Industries Ltd. | 1.18% | 1.08% | -0.10% |
| Esab India Ltd. | 0.51% | 0.41% | -0.10% |
| Kotak Mahindra Bank Ltd. | 2.10% | 2.19% | +0.09% |
| Thermax Ltd. | 1.06% | 0.97% | -0.09% |
| Coforge Ltd. | 1.16% | 1.07% | -0.09% |
| Central Depository Services (India) Ltd. | 1.58% | 1.50% | -0.08% |
| Bajaj Finance Ltd. | 1.78% | 1.70% | -0.08% |
| Timken India Ltd. | 1.58% | 1.66% | +0.08% |
| JSW Cement Ltd. | 1.52% | 1.44% | -0.08% |
| Larsen & Toubro Ltd. | 3.28% | 3.21% | -0.07% |
| Pitti Engineering Ltd. | 0.76% | 0.82% | +0.06% |
| Asian Paints Ltd. | 1.32% | 1.26% | -0.06% |
| Torrent Power Ltd. | 0.80% | 0.86% | +0.06% |
| ABB India Ltd. | 0.91% | 0.85% | -0.06% |
| SBI Gold ETF | 9.20% | 9.26% | +0.06% |
| Divi's Laboratories Ltd. | 1.63% | 1.69% | +0.06% |
| FSN E-Commerce Ventures Ltd. | 1.34% | 1.29% | -0.05% |
| Page Industries Ltd. | 0.73% | 0.78% | +0.05% |
| LTM Limited | 0.76% | 0.71% | -0.05% |
| Biocon Ltd. | 0.85% | 0.80% | -0.05% |
| Voltas Ltd. | 0.82% | 0.78% | -0.04% |
| Hyundai Motor India Ltd. | 1.58% | 1.54% | -0.04% |
| Grindwell Norton Ltd. | 1.07% | 1.11% | +0.04% |
| The Indian Hotels Company Ltd. | 1.15% | 1.19% | +0.04% |
| Schaeffler India Ltd. | 1.47% | 1.51% | +0.04% |
| Jubilant FoodWorks Ltd. | 1.23% | 1.19% | -0.04% |
| ZF Commercial Vehicle Control Systems India Ltd. | 1.24% | 1.21% | -0.03% |
| Berger Paints India Ltd. | 0.89% | 0.86% | -0.03% |
| HDB Financial Services Ltd. | 0.61% | 0.59% | -0.02% |
| DLF Ltd. | 0.85% | 0.87% | +0.02% |
| company:20133 | 0.02% | 0.00% | -0.02% |
| Anthem Biosciences Ltd. | 1.63% | 1.65% | +0.02% |
| Tech Mahindra Ltd. | 1.19% | 1.17% | -0.02% |
| Urban Company Ltd. | 2.02% | 2.00% | -0.02% |
| Ultratech Cement Ltd. | 2.29% | 2.31% | +0.02% |
| Housing & Urban Development Corporation Ltd. | 0.31% | 0.32% | +0.01% |
| Honeywell Automation India Ltd. | 0.98% | 0.97% | -0.01% |
| TVS Motor Company Ltd. | 1.82% | 1.81% | -0.01% |
| GOI | 0.25% | 0.26% | +0.01% |
| Brigade Hotel Ventures Ltd. | 0.55% | 0.56% | +0.01% |
| Balrampur Chini Mills Ltd. | 1.04% | 1.04% | 0.00% |
| Oberoi Realty Ltd. | 0.96% | 0.96% | 0.00% |
| Navin Fluorine International Ltd. | 1.66% | 1.66% | 0.00% |
| Interglobe Aviation Ltd. | 0.91% | 0.91% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹886 Cr | 2.42% | 5.9% | 6.1% | 9.8% |
 Tata Retirement Savings Moderate Fund | ₹2,115 Cr | 2.16% | 9.2% | 6.9% | 10.2% |
 ICICI Prudential Retirement Fund - Hybrid Aggressive Plan | ₹1,268 Cr | 2.45% | 0.6% | 7.3% | 12.8% |
 Axis Retirement Fund - Aggressive Plan | ₹666 Cr | 2.49% | 6.3% | 4.8% | 8.2% |
| Axis Retirement Fund - Dynamic Plan | ₹269 Cr | 2.56% | 7.3% | 5.2% | 8.7% |
 Aditya Birla Sun Life Retirement Fund - The 40s Plan | ₹110 Cr | 2.42% | 6.2% | 6.4% | 9.2% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The scheme seeks to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes.
Fund managers
- Ardhendu BhattacharyaMr. Bhattacharya is a MBA (Marketing) and Bachelor of Engineering.Prior to joining SBI Mutual Fund, he has worked with ICICI Bank and Citibank.
- Rohit ShimpiMr. Shimpi is a B. Com., PGDBM (Finance), CFA.Prior to joining SBI Mutual Fund, he has worked with CNBC TV18, JP Morgans offshore research centre and HDFC Standard Life Insurance.
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months6.32% absolute | ₹60,000 | ₹63,792 | 6.32% | |
| 1 year3.70% annualised | ₹1,20,000 | ₹1,22,432 | 2.03% | |
| 3 years9.40% annualised | ₹3,60,000 | ₹4,17,272 | 15.91% | |
| 5 years9.10% annualised | ₹6,00,000 | ₹7,61,959 | 26.99% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of SBI Retirement Benefit Fund - Aggressive Hybrid Plan?
The NAV of SBI Retirement Benefit Fund - Aggressive Hybrid Plan is ₹19.90 as on 9 Nov 2026.
What is the expense ratio of SBI Retirement Benefit Fund - Aggressive Hybrid Plan?
The expense ratio of SBI Retirement Benefit Fund - Aggressive Hybrid Plan is 2.15% per year.
What is the minimum SIP amount for SBI Retirement Benefit Fund - Aggressive Hybrid Plan?
You can start a SIP in SBI Retirement Benefit Fund - Aggressive Hybrid Plan with ₹3,000 a month.
What returns has SBI Retirement Benefit Fund - Aggressive Hybrid Plan given?
SBI Retirement Benefit Fund - Aggressive Hybrid Plan has returned 8.2% over 1 year, 6.0% over 3 years and 9.1% over 5 years (annualised).
Is there a lock-in or exit load on SBI Retirement Benefit Fund - Aggressive Hybrid Plan?
Lock-in: 5 years. Exit load: 0%.
How risky is SBI Retirement Benefit Fund - Aggressive Hybrid Plan?
SBI Retirement Benefit Fund - Aggressive Hybrid Plan is rated Very High on the SEBI riskometer and belongs to the Retirement Solutions category.
Which fund house manages SBI Retirement Benefit Fund - Aggressive Hybrid Plan?
SBI Retirement Benefit Fund - Aggressive Hybrid Plan is managed by SBI Mutual Fund, which runs 80 schemes with ₹13,34,527 Cr under management.