Question 1

What is the current NAV of SBI Retirement Benefit Fund - Aggressive Hybrid Plan?

Accepted Answer

The current Net Asset Value (NAV) of the SBI Retirement Benefit Fund - Aggressive Hybrid Plan plan is approximately ₹19.3503 as of Oct 20, 2025.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The SBI Retirement Benefit Fund - Aggressive Hybrid Plan is a 4 yrs 9 m old fund and has delivered average annual returns of 14.85% since inception.

SBI Retirement Benefit Fund - Aggressive Hybrid Plan Returns

1-Year	3-Year	Since Inception
4.46%	13.35%	14.85%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The SBI Retirement Benefit Fund - Aggressive Hybrid Plan has an expense ratio of 2.07%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

Question 4

What is the AUM or fund size of this mutual fund?

Accepted Answer

The SBI Retirement Benefit Fund - Aggressive Hybrid Plan currently has assets under management (AUM) or fund size valued at approximately 1,626 Cr as on Sep 30, 2025.

Question 5

What are the top stock holdings of SBI Retirement Benefit Fund - Aggressive Hybrid Plan?

Accepted Answer

The SBI Retirement Benefit Fund - Aggressive Hybrid Plan's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
HDFC Bank Ltd.	6.81%
ICICI Bank Ltd.	4.6%
Reliance Industries Ltd.	4.36%
Maruti Suzuki India Ltd.	3.84%
Infosys Ltd.	3.08%
Larsen & Toubro Ltd.	3.05%
State Bank of India	2.57%
Urban Company Ltd.	2.55%
Ultratech Cement Ltd.	2.51%
Kotak Mahindra Bank Ltd.	2.05%

Question 6

What are the top sectors SBI Retirement Benefit Fund - Aggressive Hybrid Plan has invested in?

Accepted Answer

The SBI Retirement Benefit Fund - Aggressive Hybrid Plan's equity portion is primarily invested in the following sectors -

Company	Percentage of Portfolio
HDFC Bank Ltd.	6.81%
ICICI Bank Ltd.	4.6%
Reliance Industries Ltd.	4.36%
Maruti Suzuki India Ltd.	3.84%
Infosys Ltd.	3.08%
Larsen & Toubro Ltd.	3.05%
State Bank of India	2.57%
Urban Company Ltd.	2.55%
Ultratech Cement Ltd.	2.51%
Kotak Mahindra Bank Ltd.	2.05%

Question 7

To whom does SBI Retirement Benefit Fund - Aggressive Hybrid Plan lend to?

Accepted Answer

The top 3 debt holdings of SBI Retirement Benefit Fund - Aggressive Hybrid Plan are as follows

Holding Name	Percentage of Portfolio
GOI	5.89%
Tamilnadu State	3.07%
Housing & Urban Development Corporation Ltd.	0.32%

Question 8

What is the quality of borrowers this mutual fund scheme lends to?

Accepted Answer

The credit rating of the instruments in which the fund invests represents the quality of the borrower. The SBI Retirement Benefit Fund - Aggressive Hybrid Plan's debt portion's allocation by credit quality is given below

Holding Name	Percentage of Portfolio
GOI	5.89%
Tamilnadu State	3.07%
Housing & Urban Development Corporation Ltd.	0.32%

Question 9

What is risk level of SBI Retirement Benefit Fund - Aggressive Hybrid Plan?

Accepted Answer

This is a Retirement Solutions fund comes with Very High risk.

Question 10

Is there any lock-in period in this mutual fund?

Accepted Answer

Yes, this fund comes with a mandatory lock-in period of 5 years.

Question 11

How can I redeem my investments in SBI Retirement Benefit Fund - Aggressive Hybrid Plan?

Accepted Answer

Redeeming your investments in the SBI Retirement Benefit Fund - Aggressive Hybrid Plan is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

AUM (Fund size)	₹1,626 Cr
Exit load	0%
Lock-in Period	5 Years
Age	4 yrs 9 m since Jan 20, 2021
Benchmark	CRISIL Hybrid 35+65 Aggressive Index
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Expense ratio	2.07% as on Sep 30, 2025
Plan type	Regular
Risk	Very High

Period	This fund	Category average
1 Month	2.27%	1.83%
3 Months	3.26%	1.79%
6 Months	9.18%	5.5%
1 Year	4.46%	5.69%
2 Years	14.11%	13.63%
3 Years	13.35%	12.13%
4 Years	11.72%	8.98%

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Retirement Benefit Fund - Aggressive Hybrid Plan	2.27%	9.18%	4.46%	13.35%	N.A.	N.A.
UTI Retirement Fund	1.41%	3.34%	5.35%	12.38%	13.52%	9.41%
HDFC Retirement Savings Fund - Hybrid Equity Plan	1.91%	6.25%	4.56%	15.45%	17.66%	14.69%
HDFC Retirement Savings Fund - Hybrid Debt Plan	1.06%	2.73%	4.93%	9.15%	8.53%	8.1%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	0.96%	5.73%	7.98%	11.08%	9.04%	5.85%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	2.36%	13.92%	11.23%	21.04%	20.84%	10.37%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Retirement Benefit Fund - Aggressive Hybrid Plan	9.55	0.84	0.67	0.96
UTI Retirement Fund	5.64	0.62	0.96	1.44
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.61	0.77	0.95	1.46
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.48	0.88	0.68	1.11
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.23	1.02	0.94	1.35
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.57	1.1	1.02	1.55

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Retirement Benefit Fund - Aggressive Hybrid Plan	N.A.	1,626 Cr	4 yrs 9 m	2.07%
UTI Retirement Fund	N.A.	4,659 Cr	30 yrs 9 m	1.65%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,681 Cr	9 yrs 8 m	2.07%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	160 Cr	9 yrs 8 m	2.14%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	83 Cr	6 yrs 8 m	2.12%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	937 Cr	6 yrs 8 m	2.19%

SBI Retirement Benefit Fund - Aggressive Hybrid Plan

Historical NAV & returns

SBI Retirement Benefit Fund - Aggressive Hybrid Plan overview

SBI Retirement Benefit Fund - Aggressive Hybrid Plan Returns calculator

Trailing returns as on Oct 25, 2025

Asset allocationas on Sep 30, 2025

Peer comparison

Key risk & return ratios Compared to other funds in the category

Compare SBI Retirement Benefit Fund - Aggressive Hybrid Plan in detail with

About this fund

About SBI Retirement Benefit Fund - Aggressive Hybrid Plan

Fund managers

Investment objective

SBI Mutual Fund details

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Frequently asked questions

SBI Retirement Benefit Fund - Aggressive Hybrid Plan Returns

ET Money rank

Alpha	-0.3 vs. 3.06 Underperformed at beating benchmark
Sharpe	0.67 vs. 3.02 Poor risk-adjusted returns
Beta	0.84 vs. 0.85 Less sensitive to market ups & downs
Standard deviation	9.55 vs. 6.26 More volatile performance

Fund AUM	1,626 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

No. of schemes	72 view all schemes
Total AUM	12,07,585 Cr as on Sep 30, 2025
Address	9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai, 400051
Phone	022-61793000 / 1800-425-5425

Fund name	ETM Rank	AUM	1Y	5Y
SBI Equity Hybrid Fund	N.A.	79,008 Cr	13.2%	17.09%
SBI Multi Asset Allocation Fund	N.A.	10,484 Cr	12.82%	15.51%
SBI Equity Savings Fund	N.A.	6,169 Cr	6.48%	11.7%
SBI Conservative Hybrid Fund	N.A.	9,859 Cr	6.59%	11.0%
SBI Balanced Advantage Fund	N.A.	37,457 Cr	6.82%	N.A.

Sector	Percentage of Portfolio
Financial	19.939999999999998%
Automobile	8.75%
Capital Goods	6.92%
Energy	6.4%
Technology	6.36%
Materials	5.55%
Metals & Mining	4.35%
Healthcare	4.11%
Construction	3.9499999999999997%
Consumer Staples	3.3899999999999997%

Credit Quality	Percentage of Portfolio
SOV	8.96022206%
Cash & Call Money	2.07517081%
AAA	0.32422353%