Question 1

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

Accepted Answer

The current Net Asset Value (NAV) of the SBI Retirement Benefit Fund - Aggressive Plan - Direct Growth plan is approximately ₹20.6935 as of Feb 02, 2026.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth is a 5 yrs old fund and has delivered average annual returns of 15.44% since inception.

SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth Returns

1-Year	3-Year	Since Inception
4.48%	13.15%	15.44%

Question 3

How much does this mutual fund charge as expense ratio?

Accepted Answer

The SBI Retirement Benefit Fund - Aggressive Plan - Direct Growth has an expense ratio of 0.89%, 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 Plan currently has assets under management (AUM) or fund size valued at approximately 3,162 Cr as on Dec 31, 2025.

Question 5

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

Accepted Answer

The SBI Retirement Benefit Fund - Aggressive Plan has invested the majority of its money in the stocks of the following companies -

Company	Percentage of Portfolio
HDFC Bank Ltd.	8.31%
Reliance Industries Ltd.	6.11%
ICICI Bank Ltd.	5.55%
Maruti Suzuki India Ltd.	4.28%
Larsen & Toubro Ltd.	4.07%
Infosys Ltd.	3.65%
State Bank of India	3.58%
Kotak Mahindra Bank Ltd.	2.73%
Ultratech Cement Ltd.	2.69%
Axis Bank Ltd.	2.67%

Question 6

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

Accepted Answer

The SBI Retirement Benefit Fund - Aggressive Plan has primarily invested in the following sectors

Company	Percentage of Portfolio
HDFC Bank Ltd.	8.31%
Reliance Industries Ltd.	6.11%
ICICI Bank Ltd.	5.55%
Maruti Suzuki India Ltd.	4.28%
Larsen & Toubro Ltd.	4.07%
Infosys Ltd.	3.65%
State Bank of India	3.58%
Kotak Mahindra Bank Ltd.	2.73%
Ultratech Cement Ltd.	2.69%
Axis Bank Ltd.	2.67%

Question 7

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

Accepted Answer

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

Question 8

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 9

How do I invest in SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth?

Accepted Answer

It is very fast, easy, and completely paperless in this mutual fund scheme on ET Money. The whole process takes just a few minutes. Here's how it works:

For the Desktop Version:

Click on the "Invest Now" button at the top right, then scan the QR code to download the app.

For the Mobile Version:

Click on the "Invest on App" button at the bottom to download the app.
Once the app is downloaded:
Sign-up and complete your one time KYC process, or log in if you're already registered.
Search for SBI Retirement Benefit Fund - Aggressive Plan - Direct Growth, select your investment mode (lump sum or SIP), and enter the investment amount.
Provide the required details, including the bank account you'll use for payment, and confirm your investment.

That's it. Your investment in the SBI Retirement Benefit Fund - Aggressive Plan is complete.

Question 10

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

Accepted Answer

Redeeming your investments in the SBI Retirement Benefit Fund - Aggressive 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.

Expense ratio	0.89% as on Feb 02, 2026
Exit load	0%
AUM (Fund size)	₹3,162 Cr
Lock-in Period	5 Years
Age	5 yrs since Jan 20, 2021
Benchmark	BSE 500 TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Risk	Very High
Short term capital gains (STCG)	Returns taxed at 20% if you redeem before 1 year
Long term capital gains (LTCG)	After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Period	This fund	Category average
1 Month	-5.78%	-4.35%
3 Months	-4.93%	-4.31%
6 Months	-1.01%	-1.02%
1 Year	4.48%	6.65%
2 Years	6.5%	7.81%
3 Years	13.15%	15.94%
4 Years	11.39%	12.21%

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Retirement Benefit Fund - Aggressive Plan	-5.78%	-1.01%	4.48%	13.15%	N.A.	N.A.
ICICI Prudential Retirement Fund - Pure Equity Plan	-4.34%	2.44%	15.55%	26.13%	22.36%	13.83%
HDFC Retirement Savings Fund - Equity Plan	-3.63%	0.9%	7.4%	18.08%	19.66%	19.05%
Tata Retirement Savings Progressive	-4.6%	-3.18%	2.63%	16.71%	12.79%	15.23%
Nippon India Retirement Fund - Wealth Creation Scheme	-3.73%	-1.13%	6.45%	18.25%	15.79%	13.09%
Aditya Birla Sun Life Retirement Fund - The 30s Plan	-4.82%	1.7%	13.18%	16.74%	11.97%	8.26%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Retirement Benefit Fund - Aggressive Plan	11.86	0.89	0.65	0.94
ICICI Prudential Retirement Fund - Pure Equity Plan	14.53	1.08	1.26	1.86
HDFC Retirement Savings Fund - Equity Plan	10.99	0.84	1.06	1.56
Tata Retirement Savings Progressive	13.23	0.96	0.83	1.08
Nippon India Retirement Fund - Wealth Creation Scheme	12.71	0.96	0.94	1.31
Aditya Birla Sun Life Retirement Fund - The 30s Plan	12.92	0.95	0.85	1.23

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Retirement Benefit Fund - Aggressive Plan	N.A.	3,162 Cr	5 yrs	0.89%
ICICI Prudential Retirement Fund - Pure Equity Plan	N.A.	1,642 Cr	6 yrs 11 m	0.75%
HDFC Retirement Savings Fund - Equity Plan	N.A.	7,086 Cr	9 yrs 11 m	0.71%
Tata Retirement Savings Progressive	N.A.	2,108 Cr	13 yrs 1 m	0.63%
Nippon India Retirement Fund - Wealth Creation Scheme	N.A.	3,194 Cr	11 yrs	0.99%
Aditya Birla Sun Life Retirement Fund - The 30s Plan	N.A.	431 Cr	6 yrs 11 m	1.16%

SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth

Historical NAV & returns

SBI Retirement Benefit Fund - Aggressive Plan overview

SBI Retirement Benefit Fund - Aggressive Plan Returns calculator

Trailing returns as on Feb 03, 2026

Asset allocationas on Dec 31, 2025

Peer comparison

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

About this fund

About SBI Retirement Benefit Fund - Aggressive Plan

Fund managers

Investment objective

SBI Mutual Fund details

More funds from SBI Mutual Fund

Frequently asked questions

SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth Returns

ET Money rank

Alpha	-1.09 vs. 6.4 Underperformed at beating benchmark
Sharpe	0.65 vs. 6.6 Poor risk-adjusted returns
Beta	0.89 vs. 1.14 Less sensitive to market ups & downs
Standard deviation	11.86 vs. 12.61 More stable returns

Fund AUM	3,162 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

No. of schemes	72 view all schemes
Total AUM	12,63,745 Cr as on Dec 31, 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 PSU Fund	N.A.	5,817 Cr	21.1%	29.59%
SBI Contra Fund	N.A.	49,967 Cr	7.43%	22.18%
SBI Infrastructure Fund	N.A.	4,727 Cr	1.77%	21.26%
SBI ELSS Tax Saver Fund	N.A.	32,609 Cr	7.71%	19.85%
SBI Midcap Fund	N.A.	23,315 Cr	0.98%	18.9%
SBI Large & Midcap Fund	N.A.	37,443 Cr	12.87%	18.61%

Sector	Percentage of Portfolio
Financial	27.82%
Automobile	10.15%
Capital Goods	8.620000000000001%
Construction	7.15%
Energy	7.140000000000001%
Materials	7.09%
Technology	6.619999999999999%
Metals & Mining	4.369999999999999%
Services	4.359999999999999%
Healthcare	4.0%