SBI Retirement Benefit Fund - Aggressive Plan
Retirement SolutionsVery HighOPEN-ENDED
- NAV as on 24 Sep 2026
- ₹19.91-1.37%1 day
- Return since launch
- 13.1%
- 52-week range
- ₹17.53 — ₹20.74
- AUM
- ₹3,242 Cr
SBI Retirement Benefit Fund - Aggressive Plan is a Retirement Solutions equity fund from SBI Mutual Fund with ₹3,242 Cr under management, launched in 2021. Over three years it has returned 2.9% a year, against 11.6% for its category. The expense ratio is 2.07% 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 -0.4% 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 | 0.5% | −1.6 pts | 2.1% | 1.4% |
| 2Y | 1.0% | −1.2 pts | 2.2% | 2.7% |
| 3Y | 2.9% | −8.7 pts | 11.6% | 4.8% |
| 5Y | 7.9% | −2.8 pts | 10.8% | 9.7% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -3.6% | +0.4 pts | -4.0% | -3.6% |
| 3M | -0.3% | +0.4 pts | -0.8% | -0.7% |
| 6M | 8.8% | 0.0 pts | 8.8% | 8.5% |
| 1Y | -0.4% | −2.5 pts | 2.1% | 1.5% |
| 2Y | -3.4% | −3.8 pts | 0.3% | -1.9% |
| 3Y | 7.5% | −4.1 pts | 11.6% | 10.1% |
| 5Y | 9.5% | −1.3 pts | 10.8% | 9.3% |
Since launch (20 Jan 2021): 13.1%
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
2.09%
Expense ratio as on 22 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.67%
- Brokerage
- 0.04%
- 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 | -2.24 | 2.55 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.94 | 0.97 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.29 | 0.60 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.37 | 0.80 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 14.72 | 15.35 | 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 31 Aug 2026
Asset allocation
- Equity96.0%
- Debt0.2%
- Other3.8%
Market cap split
- Large51.7%
- Mid25.5%
- Small22.8%
- P/E
- 30.63
- P/B
- 4.16
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| ICICI Bank Ltd. | Financial | 5.86% | ₹190 Cr | +5.47% | +5.85% | +6.19% |
| HDFC Bank Ltd. | Financial | 5.80% | ₹188 Cr | +6.58% | +7.65% | +8.56% |
| Larsen & Toubro Ltd. | Construction | 3.93% | ₹127 Cr | +4.28% | +4.38% | +3.84% |
| State Bank of India | Financial | 3.77% | ₹122 Cr | +3.71% | +4.50% | +3.14% |
| Others | Others | 3.76% | ₹122 Cr | -4.80% | -0.20% | +0.14% |
| Maruti Suzuki India Ltd. | Automobile | 3.16% | ₹102 Cr | +3.55% | +3.91% | +4.53% |
| Axis Bank Ltd. | Financial | 2.67% | ₹86.45 Cr | +2.85% | +2.99% | +2.36% |
| Ultratech Cement Ltd. | Materials | 2.55% | ₹82.78 Cr | +2.77% | +2.98% | +3.10% |
| Kotak Mahindra Bank Ltd. | Financial | 2.54% | ₹82.20 Cr | +2.51% | +2.64% | +2.61% |
| Urban Company Ltd. | Consumer Staples | 2.40% | ₹77.64 Cr | +1.86% | +2.03% | — |
| Bajaj Finance Ltd. | Financial | 2.33% | ₹75.58 Cr | +2.16% | +2.31% | — |
| JSW Infrastructure Ltd. | Services | 2.10% | ₹67.97 Cr | — | — | — |
| TVS Motor Company Ltd. | Automobile | 2.10% | ₹68.16 Cr | +1.76% | +1.97% | +1.74% |
| Lenskart Solutions Ltd. | Consumer Discretionary | 2.06% | ₹66.91 Cr | — | — | — |
| Anthem Biosciences Ltd. | Healthcare | 2.04% | ₹66.27 Cr | — | — | — |
| Divi's Laboratories Ltd. | Healthcare | 2.02% | ₹65.32 Cr | +1.53% | +1.44% | +1.91% |
| Central Depository Services (India) Ltd. | Financial | 1.97% | ₹63.81 Cr | — | — | — |
| company:19482 | Automobile | 1.97% | ₹63.95 Cr | — | — | — |
| Navin Fluorine International Ltd. | Chemicals | 1.95% | ₹63.33 Cr | +1.73% | +1.48% | +1.16% |
| Timken India Ltd. | Capital Goods | 1.86% | ₹60.16 Cr | +2.31% | +2.16% | +1.87% |
| JSW Cement Ltd. | Materials | 1.83% | ₹59.48 Cr | +2.04% | — | — |
| Schaeffler India Ltd. | Capital Goods | 1.83% | ₹59.42 Cr | +2.04% | +2.10% | +1.94% |
| FSN E-Commerce Ventures Ltd. | Services | 1.64% | ₹53.20 Cr | +1.33% | +1.31% | +1.19% |
| Sudeep Pharma Ltd. | Healthcare | 1.63% | ₹52.93 Cr | — | — | — |
| Sona BLW Precision Forgings Ltd. | Automobile | 1.62% | ₹52.66 Cr | +1.31% | +1.12% | +0.97% |
| ABB India Ltd. | Capital Goods | 1.58% | ₹51.13 Cr | +1.62% | +1.32% | +1.13% |
| Asian Paints Ltd. | Materials | 1.56% | ₹50.42 Cr | +1.69% | +1.47% | +1.62% |
| Bajaj Finserv Ltd. | Financial | 1.56% | ₹50.53 Cr | +1.49% | +1.62% | — |
| company:7925 | Technology | 1.48% | ₹48.03 Cr | — | — | — |
| Jubilant FoodWorks Ltd. | Services | 1.45% | ₹47.12 Cr | +1.35% | +1.60% | +2.02% |
| ZF Commercial Vehicle Control Systems India Ltd. | Automobile | 1.44% | ₹46.81 Cr | +1.81% | +1.82% | +1.76% |
| company:7041 | Technology | 1.44% | ₹46.65 Cr | — | — | — |
| Grindwell Norton Ltd. | Metals & Mining | 1.42% | ₹46.05 Cr | +1.40% | +1.23% | +1.21% |
| Pidilite Industries Ltd. | Chemicals | 1.41% | ₹45.57 Cr | +1.33% | +1.31% | — |
| The Indian Hotels Company Ltd. | Services | 1.37% | ₹44.27 Cr | +1.31% | +1.30% | — |
| Balrampur Chini Mills Ltd. | Consumer Staples | 1.34% | ₹43.34 Cr | +1.07% | +0.96% | +1.14% |
| Thermax Ltd. | Capital Goods | 1.28% | ₹41.36 Cr | +1.76% | +1.07% | +0.89% |
| Godrej Properties Ltd. | Construction | 1.27% | ₹41.30 Cr | +1.20% | +0.91% | — |
| DLF Ltd. | Construction | 1.25% | ₹40.43 Cr | +1.15% | +0.90% | +1.15% |
| Oberoi Realty Ltd. | Construction | 1.14% | ₹36.95 Cr | +1.13% | +0.98% | — |
| Honeywell Automation India Ltd. | Capital Goods | 1.13% | ₹36.60 Cr | +1.22% | +1.04% | +1.35% |
| Interglobe Aviation Ltd. | Services | 1.10% | ₹35.59 Cr | +1.00% | — | — |
| Berger Paints India Ltd. | Materials | 1.04% | ₹33.85 Cr | +1.13% | +1.01% | — |
| Biocon Ltd. | Healthcare | 1.02% | ₹33.17 Cr | +1.15% | — | — |
| LTM Limited | Technology | 1.02% | ₹33.14 Cr | +0.99% | +1.06% | +1.27% |
| HDB Financial Services Ltd. | Financial | 0.99% | ₹32.02 Cr | +1.04% | +1.08% | +1.24% |
| Voltas Ltd. | Consumer Discretionary | 0.98% | ₹31.65 Cr | +1.10% | +1.34% | — |
| Torrent Power Ltd. | Energy | 0.94% | ₹30.38 Cr | +1.18% | +1.27% | +1.04% |
| ICICI Prudential Life Insurance Company Ltd. | Insurance | 0.89% | ₹28.70 Cr | +0.93% | +1.18% | — |
| Page Industries Ltd. | Textiles | 0.87% | ₹28.21 Cr | +1.00% | +0.82% | +1.18% |
| Pitti Engineering Ltd. | Capital Goods | 0.86% | ₹27.76 Cr | +0.78% | +0.74% | +0.79% |
| Carborundum Universal Ltd. | Metals & Mining | 0.72% | ₹23.24 Cr | +0.72% | +0.56% | +0.65% |
| Esab India Ltd. | Capital Goods | 0.69% | ₹22.38 Cr | +1.31% | +1.09% | +1.06% |
| Brigade Hotel Ventures Ltd. | Services | 0.66% | ₹21.55 Cr | +0.75% | +0.72% | +1.08% |
| Kajaria Ceramics Ltd. | Materials | 0.50% | ₹16.13 Cr | +1.21% | +1.05% | +1.64% |
| Housing & Urban Development Corporation Ltd. | Financial | 0.16% | ₹5.14 Cr | +0.17% | +0.17% | +0.18% |
| GOI | Sovereign | 0.03% | ₹1.03 Cr | +1.50% | +0.80% | +0.90% |
| TVS Motor Company Ltd - Pref. Shares | Automobile | 0.02% | ₹0.67 Cr | +0.02% | +0.02% | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Infosys Ltd. | 2.55% | 0.00% | -2.55% |
| company:19482 | 0.00% | 1.97% | +1.97% |
| company:7925 | 0.00% | 1.48% | +1.48% |
| company:7041 | 0.00% | 1.44% | +1.44% |
| ACME Solar Holdings Ltd. | 1.40% | 0.00% | -1.40% |
| Lenskart Solutions Ltd. | 1.12% | 2.06% | +0.94% |
| Others | 0.37% | 0.99% | +0.62% |
| Urban Company Ltd. | 1.90% | 2.40% | +0.50% |
| HDFC Bank Ltd. | 6.28% | 5.80% | -0.48% |
| Sudeep Pharma Ltd. | 1.22% | 1.63% | +0.41% |
| Divi's Laboratories Ltd. | 1.76% | 2.02% | +0.26% |
| Bajaj Finance Ltd. | 2.58% | 2.33% | -0.25% |
| Maruti Suzuki India Ltd. | 3.41% | 3.16% | -0.25% |
| Kajaria Ceramics Ltd. | 0.74% | 0.50% | -0.24% |
| Esab India Ltd. | 0.92% | 0.69% | -0.23% |
| Navin Fluorine International Ltd. | 1.75% | 1.95% | +0.20% |
| Balrampur Chini Mills Ltd. | 1.16% | 1.34% | +0.18% |
| Torrent Power Ltd. | 1.12% | 0.94% | -0.18% |
| Ultratech Cement Ltd. | 2.72% | 2.55% | -0.17% |
| JSW Cement Ltd. | 1.99% | 1.83% | -0.16% |
| Thermax Ltd. | 1.44% | 1.28% | -0.16% |
| Anthem Biosciences Ltd. | 1.90% | 2.04% | +0.14% |
| Page Industries Ltd. | 1.01% | 0.87% | -0.14% |
| Voltas Ltd. | 1.11% | 0.98% | -0.13% |
| Pitti Engineering Ltd. | 0.73% | 0.86% | +0.13% |
| Jubilant FoodWorks Ltd. | 1.32% | 1.45% | +0.13% |
| JSW Infrastructure Ltd. | 1.98% | 2.10% | +0.12% |
| Kotak Mahindra Bank Ltd. | 2.42% | 2.54% | +0.12% |
| Grindwell Norton Ltd. | 1.53% | 1.42% | -0.11% |
| Honeywell Automation India Ltd. | 1.24% | 1.13% | -0.11% |
| Godrej Properties Ltd. | 1.37% | 1.27% | -0.10% |
| Asian Paints Ltd. | 1.65% | 1.56% | -0.09% |
| Axis Bank Ltd. | 2.59% | 2.67% | +0.08% |
| Berger Paints India Ltd. | 1.12% | 1.04% | -0.08% |
| ICICI Bank Ltd. | 5.94% | 5.86% | -0.08% |
| Schaeffler India Ltd. | 1.91% | 1.83% | -0.08% |
| Biocon Ltd. | 1.08% | 1.02% | -0.06% |
| Bajaj Finserv Ltd. | 1.61% | 1.56% | -0.05% |
| Central Depository Services (India) Ltd. | 1.92% | 1.97% | +0.05% |
| ABB India Ltd. | 1.54% | 1.58% | +0.04% |
| Sona BLW Precision Forgings Ltd. | 1.58% | 1.62% | +0.04% |
| TVS Motor Company Ltd. | 2.14% | 2.10% | -0.04% |
| Timken India Ltd. | 1.90% | 1.86% | -0.04% |
| DLF Ltd. | 1.22% | 1.25% | +0.03% |
| HDB Financial Services Ltd. | 1.02% | 0.99% | -0.03% |
| Pidilite Industries Ltd. | 1.38% | 1.41% | +0.03% |
| ZF Commercial Vehicle Control Systems India Ltd. | 1.41% | 1.44% | +0.03% |
| Brigade Hotel Ventures Ltd. | 0.69% | 0.66% | -0.03% |
| FSN E-Commerce Ventures Ltd. | 1.61% | 1.64% | +0.03% |
| The Indian Hotels Company Ltd. | 1.40% | 1.37% | -0.03% |
| ICICI Prudential Life Insurance Company Ltd. | 0.91% | 0.89% | -0.02% |
| State Bank of India | 3.75% | 3.77% | +0.02% |
| Carborundum Universal Ltd. | 0.71% | 0.72% | +0.01% |
| Interglobe Aviation Ltd. | 1.11% | 1.10% | -0.01% |
| LTM Limited | 1.01% | 1.02% | +0.01% |
| GOI | 0.03% | 0.03% | 0.00% |
| Housing & Urban Development Corporation Ltd. | 0.16% | 0.16% | 0.00% |
| Larsen & Toubro Ltd. | 3.93% | 3.93% | 0.00% |
| Oberoi Realty Ltd. | 1.14% | 1.14% | 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 | ₹1,649 Cr | 2.38% | 4.1% | 7.5% | 12.3% |
 Nippon India Retirement Fund - Wealth Creation Scheme | ₹3,127 Cr | 2.22% | -4.5% | 2.2% | 8.9% |
 Tata Retirement Savings Progressive Plan | ₹2,255 Cr | 2.20% | 6.2% | 6.3% | 10.4% |
 ICICI Prudential Retirement Fund - Pure Equity Plan | ₹2,158 Cr | 2.14% | 3.3% | 10.7% | 16.5% |
 Aditya Birla Sun Life Retirement Fund - The 30s Plan | ₹487 Cr | 2.64% | 13.8% | 12.2% | 13.5% |
 Union Retirement Fund | ₹216 Cr | 2.69% | 1.6% | 6.2% | — |
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 months8.80% absolute | ₹60,000 | ₹65,280 | 8.80% | |
| 1 year−0.43% annualised | ₹1,20,000 | ₹1,19,721 | −0.23% | |
| 3 years7.52% annualised | ₹3,60,000 | ₹4,04,957 | 12.49% | |
| 5 years9.51% annualised | ₹6,00,000 | ₹7,70,482 | 28.41% |
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 ₹19.91 as on 24 Sep 2026.
What is the expense ratio of SBI Retirement Benefit Fund - Aggressive Plan?
The expense ratio of SBI Retirement Benefit Fund - Aggressive Plan is 2.07% 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 0.5% over 1 year, 2.9% over 3 years and 7.9% 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 ₹12,81,381 Cr under management.