SBI Retirement Benefit Fund - Aggressive Hybrid Plan
Retirement SolutionsVery HighOPEN-ENDED
- NAV as on 25 Sep 2026
- ₹19.40+0.38%1 day
- Return since launch
- 12.3%
- 52-week range
- ₹17.19 — ₹20.05
- AUM
- ₹1,672 Cr
SBI Retirement Benefit Fund - Aggressive Hybrid Plan is a Retirement Solutions hybrid fund from SBI Mutual Fund with ₹1,672 Cr under management, launched in 2021. Over three years it has returned 5.0% a year, against 8.0% for its category. The expense ratio is 2.13% 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 +3.2% against +0.2% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 3.6% | +2.1 pts | 1.5% | -0.7% |
| 2Y | 3.9% | +1.4 pts | 2.5% | 1.5% |
| 3Y | 5.0% | −3.0 pts | 8.0% | 3.9% |
| 5Y | 8.7% | +1.8 pts | 7.0% | 7.0% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -3.3% | −0.9 pts | -2.4% | -2.0% |
| 3M | 1.2% | +1.7 pts | -0.5% | -1.0% |
| 6M | 10.9% | +5.2 pts | 5.7% | 5.5% |
| 1Y | 3.2% | +1.7 pts | 1.5% | 0.2% |
| 2Y | -0.6% | −0.9 pts | 0.3% | 0.8% |
| 3Y | 8.5% | +0.5 pts | 8.0% | 8.0% |
| 5Y | 9.6% | +2.7 pts | 7.0% | 6.9% |
Since launch (20 Jan 2021): 12.3%
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
2.15%
Expense ratio as on 24 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.73%
- 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 | 0.37 | 0.56 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.46 | 0.72 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 11.99 | 12.81 | 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 31 Aug 2026
Asset allocation
- Equity78.6%
- Debt0.6%
- Commodities9.0%
- Other11.8%
Market cap split
- Large51.5%
- Mid25.3%
- Small23.2%
- P/E
- 30.71
- P/B
- 4.16
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| SBI Gold ETF | Unclassified | 9.20% | ₹154 Cr | +5.13% | +5.05% | +2.37% |
| ICICI Bank Ltd. | Financial | 4.83% | ₹80.70 Cr | +4.42% | +4.67% | +4.86% |
| HDFC Bank Ltd. | Financial | 4.75% | ₹79.36 Cr | +5.50% | +6.30% | +6.94% |
| Others | Others | 4.03% | ₹67.52 Cr | -7.06% | +0.24% | +0.06% |
| Larsen & Toubro Ltd. | Construction | 3.28% | ₹54.84 Cr | +3.51% | +3.54% | +3.06% |
| State Bank of India | Financial | 3.03% | ₹50.72 Cr | +2.93% | +3.51% | +2.40% |
| National Highways Infra Trust | Construction | 2.66% | ₹44.46 Cr | +2.77% | +2.46% | +2.25% |
| Maruti Suzuki India Ltd. | Automobile | 2.64% | ₹44.16 Cr | +2.91% | +3.16% | +3.61% |
| Altius Telecom Infrastructure Trust | Construction | 2.54% | ₹42.44 Cr | — | — | — |
| Cube Highways Trust | Services | 2.44% | ₹40.83 Cr | +2.44% | +2.22% | +2.15% |
| Ultratech Cement Ltd. | Materials | 2.29% | ₹38.24 Cr | +2.43% | +2.58% | +2.64% |
| Axis Bank Ltd. | Financial | 2.27% | ₹37.87 Cr | +2.38% | +2.46% | +1.91% |
| Kotak Mahindra Bank Ltd. | Financial | 2.10% | ₹35.02 Cr | +2.03% | +2.11% | +2.05% |
| Urban Company Ltd. | Consumer Staples | 2.02% | ₹33.75 Cr | +1.54% | +1.65% | — |
| TVS Motor Company Ltd. | Automobile | 1.82% | ₹30.39 Cr | +1.49% | +1.65% | +1.44% |
| Bajaj Finance Ltd. | Financial | 1.78% | ₹29.70 Cr | +1.79% | +1.88% | — |
| JSW Infrastructure Ltd. | Services | 1.68% | ₹28.14 Cr | — | — | — |
| Lenskart Solutions Ltd. | Consumer Discretionary | 1.67% | ₹27.89 Cr | — | — | — |
| Navin Fluorine International Ltd. | Chemicals | 1.66% | ₹27.76 Cr | +1.45% | +1.22% | +0.94% |
| Anthem Biosciences Ltd. | Healthcare | 1.63% | ₹27.24 Cr | — | — | — |
| Divi's Laboratories Ltd. | Healthcare | 1.63% | ₹27.27 Cr | +1.22% | +1.13% | +1.49% |
| Central Depository Services (India) Ltd. | Financial | 1.58% | ₹26.37 Cr | — | — | — |
| Timken India Ltd. | Capital Goods | 1.58% | ₹26.46 Cr | +1.93% | +1.78% | +1.52% |
| company:19482 | Automobile | 1.58% | ₹26.46 Cr | — | — | — |
| JSW Cement Ltd. | Materials | 1.52% | ₹25.47 Cr | +1.66% | — | — |
| Schaeffler India Ltd. | Capital Goods | 1.47% | ₹24.65 Cr | +1.61% | +1.63% | +1.49% |
| Sona BLW Precision Forgings Ltd. | Automobile | 1.46% | ₹24.37 Cr | +1.15% | +0.98% | +0.83% |
| Sudeep Pharma Ltd. | Healthcare | 1.36% | ₹22.77 Cr | — | — | — |
| FSN E-Commerce Ventures Ltd. | Services | 1.34% | ₹22.37 Cr | +1.06% | +1.04% | +0.92% |
| Asian Paints Ltd. | Materials | 1.32% | ₹22.02 Cr | +1.41% | +1.20% | +1.31% |
| Bajaj Finserv Ltd. | Financial | 1.32% | ₹22.03 Cr | +1.23% | +1.32% | — |
| ZF Commercial Vehicle Control Systems India Ltd. | Automobile | 1.24% | ₹20.73 Cr | +1.52% | +1.51% | +1.44% |
| Jubilant FoodWorks Ltd. | Services | 1.23% | ₹20.58 Cr | +1.13% | +1.32% | +1.63% |
| company:7925 | Technology | 1.19% | ₹19.86 Cr | — | — | — |
| Pidilite Industries Ltd. | Chemicals | 1.18% | ₹19.75 Cr | +1.10% | +1.06% | — |
| company:7041 | Technology | 1.16% | ₹19.36 Cr | — | — | — |
| The Indian Hotels Company Ltd. | Services | 1.15% | ₹19.19 Cr | +1.08% | +1.06% | — |
| Grindwell Norton Ltd. | Metals & Mining | 1.07% | ₹17.94 Cr | +1.22% | +1.06% | +1.03% |
| Thermax Ltd. | Capital Goods | 1.06% | ₹17.75 Cr | +1.44% | +0.86% | +0.62% |
| Balrampur Chini Mills Ltd. | Consumer Staples | 1.04% | ₹17.34 Cr | +0.98% | +0.86% | +1.01% |
| Honeywell Automation India Ltd. | Capital Goods | 0.98% | ₹16.34 Cr | +1.04% | +0.87% | +1.12% |
| Oberoi Realty Ltd. | Construction | 0.96% | ₹16.06 Cr | +0.93% | +0.80% | — |
| ABB India Ltd. | Capital Goods | 0.91% | ₹15.22 Cr | +0.92% | +0.74% | +0.62% |
| Interglobe Aviation Ltd. | Services | 0.91% | ₹15.18 Cr | +0.81% | — | — |
| Berger Paints India Ltd. | Materials | 0.89% | ₹14.93 Cr | +0.95% | +0.83% | — |
| Biocon Ltd. | Healthcare | 0.85% | ₹14.21 Cr | +0.94% | — | — |
| DLF Ltd. | Construction | 0.85% | ₹14.17 Cr | +0.77% | +0.75% | +0.95% |
| Godrej Properties Ltd. | Construction | 0.84% | ₹14.10 Cr | +0.78% | +0.74% | — |
| Voltas Ltd. | Consumer Discretionary | 0.82% | ₹13.74 Cr | +0.91% | +1.09% | — |
| Torrent Power Ltd. | Energy | 0.80% | ₹13.37 Cr | +0.99% | +1.05% | +0.85% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | 0.76% | ₹12.67 Cr | +0.78% | +0.98% | — |
| LTM Limited | Technology | 0.76% | ₹12.71 Cr | +0.72% | +0.76% | +0.90% |
| Pitti Engineering Ltd. | Capital Goods | 0.76% | ₹12.71 Cr | +0.68% | +0.64% | +0.67% |
| Carborundum Universal Ltd. | Metals & Mining | 0.73% | ₹12.17 Cr | +0.72% | +0.55% | +0.63% |
| Page Industries Ltd. | Textiles | 0.73% | ₹12.17 Cr | +0.82% | +0.67% | +0.94% |
| HDB Financial Services Ltd. | Financial | 0.61% | ₹10.24 Cr | +0.63% | +0.64% | +0.73% |
| Brigade Hotel Ventures Ltd. | Services | 0.55% | ₹9.12 Cr | +0.60% | +0.57% | +0.85% |
| Esab India Ltd. | Capital Goods | 0.51% | ₹8.61 Cr | +1.10% | +0.91% | +0.87% |
| Kajaria Ceramics Ltd. | Materials | 0.40% | ₹6.72 Cr | +0.96% | +0.82% | +1.27% |
| Housing & Urban Development Corporation Ltd. | Financial | 0.31% | ₹5.14 Cr | +0.32% | +0.32% | +0.33% |
| GOI | Sovereign | 0.25% | ₹4.12 Cr | +2.86% | +4.51% | +6.65% |
| TVS Motor Company Ltd - Pref. Shares | Automobile | 0.02% | ₹0.30 Cr | +0.02% | +0.02% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| SBI Gold ETF | 4.53% | 9.20% | +4.67% |
| Infosys Ltd. | 2.21% | 0.00% | -2.21% |
| company:19482 | 0.00% | 1.58% | +1.58% |
| company:7925 | 0.00% | 1.19% | +1.19% |
| company:7041 | 0.00% | 1.16% | +1.16% |
| ACME Solar Holdings Ltd. | 1.14% | 0.00% | -1.14% |
| Lenskart Solutions Ltd. | 0.91% | 1.67% | +0.76% |
| HDFC Bank Ltd. | 5.35% | 4.75% | -0.60% |
| Urban Company Ltd. | 1.60% | 2.02% | +0.42% |
| Bajaj Finance Ltd. | 2.17% | 1.78% | -0.39% |
| Sudeep Pharma Ltd. | 1.01% | 1.36% | +0.35% |
| Grindwell Norton Ltd. | 1.36% | 1.07% | -0.29% |
| Divi's Laboratories Ltd. | 1.42% | 1.63% | +0.21% |
| Esab India Ltd. | 0.72% | 0.51% | -0.21% |
| Maruti Suzuki India Ltd. | 2.85% | 2.64% | -0.21% |
| Kajaria Ceramics Ltd. | 0.60% | 0.40% | -0.20% |
| Navin Fluorine International Ltd. | 1.49% | 1.66% | +0.17% |
| Torrent Power Ltd. | 0.95% | 0.80% | -0.15% |
| Ultratech Cement Ltd. | 2.44% | 2.29% | -0.15% |
| Thermax Ltd. | 1.20% | 1.06% | -0.14% |
| Others | 0.29% | 0.42% | +0.13% |
| JSW Cement Ltd. | 1.65% | 1.52% | -0.13% |
| Voltas Ltd. | 0.94% | 0.82% | -0.12% |
| Page Industries Ltd. | 0.84% | 0.73% | -0.11% |
| Pitti Engineering Ltd. | 0.65% | 0.76% | +0.11% |
| Anthem Biosciences Ltd. | 1.52% | 1.63% | +0.11% |
| Jubilant FoodWorks Ltd. | 1.12% | 1.23% | +0.11% |
| Honeywell Automation India Ltd. | 1.08% | 0.98% | -0.10% |
| Kotak Mahindra Bank Ltd. | 2.00% | 2.10% | +0.10% |
| JSW Infrastructure Ltd. | 1.59% | 1.68% | +0.09% |
| Asian Paints Ltd. | 1.40% | 1.32% | -0.08% |
| Schaeffler India Ltd. | 1.54% | 1.47% | -0.07% |
| Berger Paints India Ltd. | 0.96% | 0.89% | -0.07% |
| Axis Bank Ltd. | 2.20% | 2.27% | +0.07% |
| Cube Highways Trust | 2.51% | 2.44% | -0.07% |
| National Highways Infra Trust | 2.73% | 2.66% | -0.07% |
| Godrej Properties Ltd. | 0.90% | 0.84% | -0.06% |
| ICICI Bank Ltd. | 4.89% | 4.83% | -0.06% |
| Biocon Ltd. | 0.90% | 0.85% | -0.05% |
| Bajaj Finserv Ltd. | 1.36% | 1.32% | -0.04% |
| Balrampur Chini Mills Ltd. | 1.08% | 1.04% | -0.04% |
| Central Depository Services (India) Ltd. | 1.54% | 1.58% | +0.04% |
| Sona BLW Precision Forgings Ltd. | 1.42% | 1.46% | +0.04% |
| Timken India Ltd. | 1.62% | 1.58% | -0.04% |
| FSN E-Commerce Ventures Ltd. | 1.31% | 1.34% | +0.03% |
| TVS Motor Company Ltd. | 1.85% | 1.82% | -0.03% |
| The Indian Hotels Company Ltd. | 1.18% | 1.15% | -0.03% |
| ZF Commercial Vehicle Control Systems India Ltd. | 1.21% | 1.24% | +0.03% |
| ABB India Ltd. | 0.89% | 0.91% | +0.02% |
| DLF Ltd. | 0.83% | 0.85% | +0.02% |
| HDB Financial Services Ltd. | 0.63% | 0.61% | -0.02% |
| ICICI Prudential Life Insurance Company Ltd. | 0.78% | 0.76% | -0.02% |
| Pidilite Industries Ltd. | 1.16% | 1.18% | +0.02% |
| Brigade Hotel Ventures Ltd. | 0.57% | 0.55% | -0.02% |
| Carborundum Universal Ltd. | 0.72% | 0.73% | +0.01% |
| Housing & Urban Development Corporation Ltd. | 0.32% | 0.31% | -0.01% |
| Interglobe Aviation Ltd. | 0.92% | 0.91% | -0.01% |
| LTM Limited | 0.75% | 0.76% | +0.01% |
| Altius Telecom Infrastructure Trust | 2.55% | 2.54% | -0.01% |
| State Bank of India | 3.02% | 3.03% | +0.01% |
| GOI | 0.25% | 0.25% | 0.00% |
| Larsen & Toubro Ltd. | 3.28% | 3.28% | 0.00% |
| Oberoi Realty Ltd. | 0.96% | 0.96% | 0.00% |
| TVS Motor Company Ltd - Pref. Shares | 0.02% | 0.02% | 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 | ₹936 Cr | 2.43% | 1.7% | 5.5% | 9.5% |
 Tata Retirement Savings Moderate Fund | ₹2,251 Cr | 2.17% | 6.1% | 6.5% | 10.0% |
 ICICI Prudential Retirement Fund - Hybrid Aggressive Plan | ₹1,320 Cr | 2.48% | 4.6% | 9.8% | 14.3% |
 Axis Retirement Fund - Aggressive Plan | ₹706 Cr | 2.50% | -2.1% | 2.8% | 6.9% |
| Axis Retirement Fund - Dynamic Plan | ₹285 Cr | 2.57% | -0.7% | 3.4% | 7.6% |
 Aditya Birla Sun Life Retirement Fund - The 40s Plan | ₹116 Cr | 2.42% | 0.6% | 5.1% | 8.4% |
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 months10.92% absolute | ₹60,000 | ₹66,552 | 10.92% | |
| 1 year3.22% annualised | ₹1,20,000 | ₹1,22,114 | 1.76% | |
| 3 years8.54% annualised | ₹3,60,000 | ₹4,11,582 | 14.33% | |
| 5 years9.63% annualised | ₹6,00,000 | ₹7,72,999 | 28.83% |
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 ₹19.40 as on 25 Sep 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 2.13% 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 3.6% over 1 year, 5.0% over 3 years and 8.7% 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 ₹12,81,381 Cr under management.