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 ₹20.9716 as of Sep 29, 2025.

Question 2

What are the returns of this mutual fund scheme?

Accepted Answer

The SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth is a 4 yrs 8 m old fund and has delivered average annual returns of 17.02% since inception.

SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth Returns

1-Year	3-Year	Since Inception
-5.54%	14.83%	17.02%

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 0.88%, 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 2,949 Cr as on Aug 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.	8.56%
ICICI Bank Ltd.	6.19%
Reliance Industries Ltd.	5.66%
Maruti Suzuki India Ltd.	4.53%
Infosys Ltd.	3.87%
Larsen & Toubro Ltd.	3.84%
State Bank of India	3.14%
Ultratech Cement Ltd.	3.1%
Kotak Mahindra Bank Ltd.	2.61%
Tata Consultancy Services Ltd.	2.57%

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.	8.56%
ICICI Bank Ltd.	6.19%
Reliance Industries Ltd.	5.66%
Maruti Suzuki India Ltd.	4.53%
Infosys Ltd.	3.87%
Larsen & Toubro Ltd.	3.84%
State Bank of India	3.14%
Ultratech Cement Ltd.	3.1%
Kotak Mahindra Bank Ltd.	2.61%
Tata Consultancy Services Ltd.	2.57%

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	0.88% as on Aug 31, 2025
Exit load	0%
AUM (Fund size)	₹2,949 Cr
Lock-in Period	5 Years
Age	4 yrs 8 m 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	0.75%	0.12%
3 Months	-2.88%	-2.7%
6 Months	6.47%	8.88%
1 Year	-5.54%	-3.07%
2 Years	12.07%	17.12%
3 Years	14.83%	18.6%
4 Years	13.4%	14.54%

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Retirement Benefit Fund - Aggressive Plan	0.75%	6.47%	-5.54%	14.83%	N.A.	N.A.
ICICI Prudential Retirement Fund - Pure Equity Plan	0.85%	14.25%	2.94%	24.94%	29.67%	13.55%
HDFC Retirement Savings Fund - Equity Plan	0.09%	6.63%	-3.44%	20.05%	25.6%	18.95%
Tata Retirement Savings Progressive	-0.99%	7.55%	-5.9%	16.4%	17.16%	14.66%
Nippon India Retirement Fund - Wealth Creation Scheme	0.46%	7.44%	-4.98%	18.91%	22.02%	12.43%
Aditya Birla Sun Life Retirement Fund - The 30s Plan	-0.32%	11.17%	-2.01%	16.67%	15.96%	8.12%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Retirement Benefit Fund - Aggressive Plan	11.93	0.85	0.62	0.95
ICICI Prudential Retirement Fund - Pure Equity Plan	14.73	1.04	1.08	1.68
HDFC Retirement Savings Fund - Equity Plan	11.09	0.81	1.07	1.62
Tata Retirement Savings Progressive	13.4	0.92	0.69	0.92
Nippon India Retirement Fund - Wealth Creation Scheme	13.34	0.97	0.8	1.16
Aditya Birla Sun Life Retirement Fund - The 30s Plan	13.4	0.95	0.67	1.04

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Retirement Benefit Fund - Aggressive Plan	N.A.	2,949 Cr	4 yrs 8 m	0.88%
ICICI Prudential Retirement Fund - Pure Equity Plan	N.A.	1,333 Cr	6 yrs 7 m	0.71%
HDFC Retirement Savings Fund - Equity Plan	N.A.	6,584 Cr	9 yrs 7 m	0.74%
Tata Retirement Savings Progressive	N.A.	2,083 Cr	12 yrs 8 m	0.54%
Nippon India Retirement Fund - Wealth Creation Scheme	N.A.	3,119 Cr	10 yrs 8 m	0.98%
Aditya Birla Sun Life Retirement Fund - The 30s Plan	N.A.	408 Cr	6 yrs 7 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 Sep 30, 2025

Asset allocationas on Aug 31, 2025

Peer comparison

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

Compare SBI Retirement Benefit Fund - Aggressive Plan in detail with

About this fund

About SBI Retirement Benefit Fund - Aggressive Plan

Fund managers

Investment objective

SBI Mutual Fund details

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Frequently asked questions

SBI Retirement Benefit Fund - Aggressive Plan Direct - Growth Returns

ET Money rank

Alpha	0.45 vs. 3.84 Underperformed at beating benchmark
Sharpe	0.62 vs. 5.67 Poor risk-adjusted returns
Beta	0.85 vs. 0.88 Less sensitive to market ups & downs
Standard deviation	11.93 vs. 11.13 More volatile performance

Fund AUM	2,949 Cr as on Aug 31, 2025
Scheme document	View Scheme Document

No. of schemes	72 view all schemes
Total AUM	11,45,315 Cr as on Jun 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 PSU Fund	N.A.	5,179 Cr	-4.49%	33.63%
SBI Contra Fund	N.A.	46,654 Cr	-6.15%	30.16%
SBI Infrastructure Fund	N.A.	4,836 Cr	-11.55%	28.02%
SBI Midcap Fund	N.A.	22,012 Cr	-9.1%	25.75%
SBI ELSS Tax Saver Fund	N.A.	29,937 Cr	-5.37%	25.64%
SBI Consumption Opportunities Fund	N.A.	3,175 Cr	-12.67%	25.61%

Sector	Percentage of Portfolio
Financial	26.32%
Automobile	10.760000000000002%
Technology	9.3%
Capital Goods	9.03%
Energy	8.24%
Materials	7.11%
Healthcare	5.24%
Construction	4.99%
Metals & Mining	4.529999999999999%
Services	3.57%