SBI Retirement Benefit Fund - Aggressive Plan
Retirement SolutionsVery HighOPEN-ENDED
- NAV as on 6 Nov 2026
- ₹20.65+0.59%1 day
- Return since launch
- 13.2%
- 52-week range
- ₹17.53 — ₹20.74
- AUM
- ₹3,066 Cr
SBI Retirement Benefit Fund - Aggressive Plan is a Retirement Solutions equity fund from SBI Mutual Fund with ₹3,066 Cr under management, launched in 2021. Over three years it has returned 4.9% a year, against 12.4% for its category. The expense ratio is 2.10% and the SEBI riskometer reading is Very High.
Performance
SBI Retirement Benefit Fund - Aggressive Plan NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +2.5% against +1.5% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 9.1% | +6.3 pts | 2.8% | 4.9% |
| 2Y | 5.5% | +1.3 pts | 4.2% | 4.7% |
| 3Y | 4.9% | −7.5 pts | 12.4% | 5.0% |
| 5Y | 8.8% | −2.0 pts | 10.7% | 9.7% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 5.5% | +1.3 pts | 4.2% | 4.6% |
| 3M | 0.6% | +2.1 pts | -1.5% | -2.3% |
| 6M | 4.7% | +2.6 pts | 2.1% | 2.4% |
| 1Y | 2.5% | −0.3 pts | 2.8% | 1.2% |
| 2Y | 1.3% | −1.6 pts | 2.9% | 2.1% |
| 3Y | 8.9% | −3.4 pts | 12.4% | 10.4% |
| 5Y | 9.5% | −1.3 pts | 10.7% | 9.1% |
Since launch (20 Jan 2021): 13.2%
Calendar-year returns
Category average7.8%
26.7%
10.5%
5.1%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 5.1% | −1.7 pts | 6.8% |
| 2024 | 10.5% | −9.3 pts | 19.8% |
| 2023 | 26.7% | −4.8 pts | 31.5% |
| 2022 | 7.8% | +3.6 pts | 4.1% |
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
2.07%
Expense ratio as on 5 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.66%
- Brokerage
- 0.03%
- Transaction charges
- 0.00%
- Statutory levies
- 0.38%
- Exit load
- 0%
- Lock-in
- 5 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- BSE 500 TRI
- Short-term capital gains
- Returns taxed at 20% if you redeem before 1 year
- Long-term capital gains
- After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%
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 | -2.28 | 2.17 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.94 | 0.98 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.17 | 0.46 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.22 | 0.63 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 15.08 | 15.81 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
SBI Retirement Benefit Fund - Aggressive Plan portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Equity95.3%
- Debt0.2%
- Other4.5%
Market cap split
- Large48.6%
- Mid25.0%
- Small26.4%
- P/E
- 30.36
- P/B
- 4.00
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| HDFC Bank Ltd. | Financial | 6.13% | ₹188 Cr | +6.80% | +7.13% | +8.41% |
| ICICI Bank Ltd. | Financial | 5.63% | ₹173 Cr | +5.77% | +5.79% | +5.87% |
| Others | Others | 4.53% | ₹139 Cr | -0.84% | -0.22% | -0.24% |
| Larsen & Toubro Ltd. | Construction | 3.86% | ₹118 Cr | +4.19% | +4.06% | +3.84% |
| State Bank of India | Financial | 3.61% | ₹111 Cr | +3.80% | +4.15% | +3.35% |
| Maruti Suzuki India Ltd. | Automobile | 2.95% | ₹90.47 Cr | +3.68% | +3.67% | +4.82% |
| Kotak Mahindra Bank Ltd. | Financial | 2.67% | ₹81.73 Cr | +2.47% | +2.55% | +2.60% |
| Ultratech Cement Ltd. | Materials | 2.58% | ₹79.21 Cr | +2.61% | +2.86% | +2.95% |
| Urban Company Ltd. | Consumer Staples | 2.39% | ₹73.17 Cr | +1.96% | +2.58% | +3.19% |
| JSW Infrastructure Ltd. | Services | 2.32% | ₹71.28 Cr | +1.57% | — | — |
| Lenskart Solutions Ltd. | Consumer Discretionary | 2.26% | ₹69.20 Cr | +1.04% | — | — |
| Bajaj Finance Ltd. | Financial | 2.24% | ₹68.60 Cr | +2.31% | +2.11% | — |
| TVS Motor Company Ltd. | Automobile | 2.10% | ₹64.46 Cr | +1.75% | +1.94% | +1.80% |
| Divi's Laboratories Ltd. | Healthcare | 2.09% | ₹64.11 Cr | +1.46% | +1.51% | +1.74% |
| Anthem Biosciences Ltd. | Healthcare | 2.08% | ₹63.72 Cr | +1.84% | — | — |
| CORONA Remedies Ltd. | Healthcare | 2.07% | ₹63.38 Cr | — | — | — |
| Navin Fluorine International Ltd. | Chemicals | 1.96% | ₹60.19 Cr | +1.80% | +1.65% | +1.12% |
| Timken India Ltd. | Capital Goods | 1.95% | ₹59.90 Cr | +2.14% | +2.27% | +1.92% |
| Hyundai Motor India Ltd. | Automobile | 1.92% | ₹58.90 Cr | — | — | — |
| Schaeffler India Ltd. | Capital Goods | 1.88% | ₹57.68 Cr | +1.99% | +2.09% | +2.08% |
| Central Depository Services (India) Ltd. | Financial | 1.88% | ₹57.51 Cr | — | — | — |
| Elevate Campuses Ltd. | Construction | 1.80% | ₹55.11 Cr | — | — | — |
| Sona BLW Precision Forgings Ltd. | Automobile | 1.75% | ₹53.76 Cr | +1.29% | +1.15% | +0.89% |
| JSW Cement Ltd. | Materials | 1.75% | ₹53.52 Cr | +2.05% | — | — |
| FSN E-Commerce Ventures Ltd. | Services | 1.59% | ₹48.70 Cr | +1.52% | +1.32% | +1.18% |
| Asian Paints Ltd. | Materials | 1.49% | ₹45.65 Cr | +1.61% | +1.51% | +1.49% |
| Grindwell Norton Ltd. | Metals & Mining | 1.48% | ₹45.39 Cr | +1.58% | +1.13% | +1.20% |
| ABB India Ltd. | Capital Goods | 1.48% | ₹45.36 Cr | +1.51% | +1.46% | +1.16% |
| Tech Mahindra Ltd. | Technology | 1.47% | ₹44.96 Cr | — | — | — |
| The Indian Hotels Company Ltd. | Services | 1.43% | ₹43.72 Cr | +1.38% | +1.26% | — |
| Jubilant FoodWorks Ltd. | Services | 1.41% | ₹43.39 Cr | +1.27% | +1.52% | +1.95% |
| Bajaj Finserv Ltd. | Financial | 1.41% | ₹43.28 Cr | +1.43% | +1.50% | — |
| ZF Commercial Vehicle Control Systems India Ltd. | Automobile | 1.41% | ₹43.23 Cr | +1.52% | +1.87% | +1.59% |
| Balrampur Chini Mills Ltd. | Consumer Staples | 1.35% | ₹41.43 Cr | +1.11% | +1.14% | +0.95% |
| Coforge Ltd. | Technology | 1.34% | ₹41.10 Cr | — | — | — |
| Pidilite Industries Ltd. | Chemicals | 1.29% | ₹39.56 Cr | +1.38% | +1.28% | — |
| Sudeep Pharma Ltd. | Healthcare | 1.29% | ₹39.49 Cr | — | — | — |
| DLF Ltd. | Construction | 1.29% | ₹39.43 Cr | +1.17% | +0.85% | +1.09% |
| Thermax Ltd. | Capital Goods | 1.17% | ₹35.96 Cr | +1.76% | +1.27% | +0.87% |
| Oberoi Realty Ltd. | Construction | 1.14% | ₹34.93 Cr | +1.12% | +1.03% | — |
| Honeywell Automation India Ltd. | Capital Goods | 1.12% | ₹34.46 Cr | +1.31% | +1.00% | +1.24% |
| Interglobe Aviation Ltd. | Services | 1.11% | ₹33.89 Cr | +1.17% | +0.99% | — |
| Godrej Properties Ltd. | Construction | 1.09% | ₹33.38 Cr | +1.23% | +0.88% | — |
| Torrent Power Ltd. | Energy | 1.02% | ₹31.15 Cr | +1.14% | +1.20% | +1.02% |
| Berger Paints India Ltd. | Materials | 1.01% | ₹30.97 Cr | +1.11% | +1.03% | +0.07% |
| Biocon Ltd. | Healthcare | 0.97% | ₹29.81 Cr | +1.08% | — | — |
| LTM Limited | Technology | 0.96% | ₹29.53 Cr | +0.83% | +1.08% | +1.25% |
| HDB Financial Services Ltd. | Financial | 0.95% | ₹29.16 Cr | +1.13% | +0.97% | +1.17% |
| Page Industries Ltd. | Textiles | 0.94% | ₹28.67 Cr | +1.05% | +0.92% | +1.07% |
| Pitti Engineering Ltd. | Capital Goods | 0.93% | ₹28.59 Cr | +0.78% | +0.64% | +0.83% |
| Voltas Ltd. | Consumer Discretionary | 0.92% | ₹28.36 Cr | +1.09% | +1.24% | — |
| Carborundum Universal Ltd. | Metals & Mining | 0.86% | ₹26.30 Cr | +0.79% | +0.60% | +0.65% |
| Brigade Hotel Ventures Ltd. | Services | 0.68% | ₹20.89 Cr | +0.74% | +0.75% | +1.00% |
| Esab India Ltd. | Capital Goods | 0.56% | ₹17.16 Cr | +1.04% | +1.11% | +1.00% |
| Kajaria Ceramics Ltd. | Materials | 0.26% | ₹7.98 Cr | +1.32% | +1.15% | +1.56% |
| Housing & Urban Development Corporation Ltd. | Financial | 0.17% | ₹5.11 Cr | +0.17% | +0.19% | +0.18% |
| GOI | Sovereign | 0.03% | ₹1.03 Cr | +0.30% | +0.89% | +0.37% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Axis Bank Ltd. | 2.67% | 0.00% | -2.67% |
| CORONA Remedies Ltd. | 0.00% | 2.07% | +2.07% |
| Elevate Campuses Ltd. | 0.00% | 1.80% | +1.80% |
| Others | 0.99% | -0.46% | -1.45% |
| ICICI Life Insurance Ltd. | 0.89% | 0.00% | -0.89% |
| Sudeep Pharma Ltd. | 1.63% | 1.29% | -0.34% |
| HDFC Bank Ltd. | 5.80% | 6.13% | +0.33% |
| Kajaria Ceramics Ltd. | 0.50% | 0.26% | -0.24% |
| ICICI Bank Ltd. | 5.86% | 5.63% | -0.23% |
| JSW Infrastructure Ltd. | 2.10% | 2.32% | +0.22% |
| Maruti Suzuki India Ltd. | 3.16% | 2.95% | -0.21% |
| Lenskart Solutions Ltd. | 2.06% | 2.26% | +0.20% |
| Godrej Properties Ltd. | 1.27% | 1.09% | -0.18% |
| State Bank of India | 3.77% | 3.61% | -0.16% |
| Bajaj Finserv Ltd. | 1.56% | 1.41% | -0.15% |
| Carborundum Universal Ltd. | 0.72% | 0.86% | +0.14% |
| Sona BLW Precision Forgings Ltd. | 1.62% | 1.75% | +0.13% |
| Esab India Ltd. | 0.69% | 0.56% | -0.13% |
| Kotak Mahindra Bank Ltd. | 2.54% | 2.67% | +0.13% |
| Pidilite Industries Ltd. | 1.41% | 1.29% | -0.12% |
| Thermax Ltd. | 1.28% | 1.17% | -0.11% |
| ABB India Ltd. | 1.58% | 1.48% | -0.10% |
| Coforge Ltd. | 1.44% | 1.34% | -0.10% |
| Central Depository Services (India) Ltd. | 1.97% | 1.88% | -0.09% |
| Timken India Ltd. | 1.86% | 1.95% | +0.09% |
| Bajaj Finance Ltd. | 2.33% | 2.24% | -0.09% |
| JSW Cement Ltd. | 1.83% | 1.75% | -0.08% |
| Torrent Power Ltd. | 0.94% | 1.02% | +0.08% |
| Pitti Engineering Ltd. | 0.86% | 0.93% | +0.07% |
| Asian Paints Ltd. | 1.56% | 1.49% | -0.07% |
| Divi's Laboratories Ltd. | 2.02% | 2.09% | +0.07% |
| Larsen & Toubro Ltd. | 3.93% | 3.86% | -0.07% |
| Page Industries Ltd. | 0.87% | 0.94% | +0.07% |
| Grindwell Norton Ltd. | 1.42% | 1.48% | +0.06% |
| LTM Limited | 1.02% | 0.96% | -0.06% |
| The Indian Hotels Company Ltd. | 1.37% | 1.43% | +0.06% |
| Voltas Ltd. | 0.98% | 0.92% | -0.06% |
| FSN E-Commerce Ventures Ltd. | 1.64% | 1.59% | -0.05% |
| Schaeffler India Ltd. | 1.83% | 1.88% | +0.05% |
| Hyundai Motor India Ltd. | 1.97% | 1.92% | -0.05% |
| Biocon Ltd. | 1.02% | 0.97% | -0.05% |
| HDB Financial Services Ltd. | 0.99% | 0.95% | -0.04% |
| Anthem Biosciences Ltd. | 2.04% | 2.08% | +0.04% |
| DLF Ltd. | 1.25% | 1.29% | +0.04% |
| Jubilant FoodWorks Ltd. | 1.45% | 1.41% | -0.04% |
| Ultratech Cement Ltd. | 2.55% | 2.58% | +0.03% |
| ZF Commercial Vehicle Control Systems India Ltd. | 1.44% | 1.41% | -0.03% |
| Berger Paints India Ltd. | 1.04% | 1.01% | -0.03% |
| Brigade Hotel Ventures Ltd. | 0.66% | 0.68% | +0.02% |
| company:20133 | 0.02% | 0.00% | -0.02% |
| Urban Company Ltd. | 2.40% | 2.39% | -0.01% |
| Tech Mahindra Ltd. | 1.48% | 1.47% | -0.01% |
| Navin Fluorine International Ltd. | 1.95% | 1.96% | +0.01% |
| Balrampur Chini Mills Ltd. | 1.34% | 1.35% | +0.01% |
| Housing & Urban Development Corporation Ltd. | 0.16% | 0.17% | +0.01% |
| Honeywell Automation India Ltd. | 1.13% | 1.12% | -0.01% |
| Interglobe Aviation Ltd. | 1.10% | 1.11% | +0.01% |
| GOI | 0.03% | 0.03% | 0.00% |
| TVS Motor Company Ltd. | 2.10% | 2.10% | 0.00% |
| Oberoi Realty Ltd. | 1.14% | 1.14% | 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 | ₹1,564 Cr | 2.37% | 6.9% | 7.5% | 12.2% |
 Nippon India Retirement Fund - Wealth Creation Scheme | ₹2,939 Cr | 2.23% | 1.8% | 3.0% | 9.1% |
 ICICI Prudential Retirement Fund - Pure Equity Plan | ₹2,106 Cr | 2.13% | 3.7% | 9.4% | 15.6% |
 Tata Retirement Savings Progressive Plan | ₹2,104 Cr | 2.20% | 9.0% | 6.4% | 10.4% |
 Aditya Birla Sun Life Retirement Fund - The 30s Plan | ₹465 Cr | 2.62% | 14.7% | 12.2% | 13.5% |
 Union Retirement Fund | ₹207 Cr | 2.67% | 5.3% | 6.5% | — |
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 months4.72% absolute | ₹60,000 | ₹62,832 | 4.72% | |
| 1 year2.54% annualised | ₹1,20,000 | ₹1,21,664 | 1.39% | |
| 3 years8.91% annualised | ₹3,60,000 | ₹4,14,018 | 15.01% | |
| 5 years9.48% annualised | ₹6,00,000 | ₹7,69,854 | 28.31% |
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 Plan?
The NAV of SBI Retirement Benefit Fund - Aggressive Plan is ₹20.65 as on 6 Nov 2026.
What is the expense ratio of SBI Retirement Benefit Fund - Aggressive Plan?
The expense ratio of SBI Retirement Benefit Fund - Aggressive Plan is 2.10% per year.
What is the minimum SIP amount for SBI Retirement Benefit Fund - Aggressive Plan?
You can start a SIP in SBI Retirement Benefit Fund - Aggressive Plan with ₹3,000 a month.
What returns has SBI Retirement Benefit Fund - Aggressive Plan given?
SBI Retirement Benefit Fund - Aggressive Plan has returned 9.1% over 1 year, 4.9% over 3 years and 8.8% over 5 years (annualised).
Is there a lock-in or exit load on SBI Retirement Benefit Fund - Aggressive Plan?
Lock-in: 5 years. Exit load: 0%.
How risky is SBI Retirement Benefit Fund - Aggressive Plan?
SBI Retirement Benefit Fund - Aggressive 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 Plan?
SBI Retirement Benefit Fund - Aggressive Plan is managed by SBI Mutual Fund, which runs 80 schemes with ₹13,34,527 Cr under management.