SBI Retirement Benefit Fund - Aggressive Plan

Q: What are the returns of this mutual fund scheme?

The SBI Retirement Benefit Fund - Aggressive Plan is a 4 yrs 9 m old fund and has delivered average annual returns of 16.16% since inception. SBI Retirement Benefit Fund - Aggressive Plan Returns 1-Year 3-Year Since Inception 2.58% 13.89% 16.16%

NAV as of Oct 20, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹20.4392+0.39% 1 day change	16.16% p.a.	App exclusive #NA View Ranked Funds	₹3,000 Cr

Historical NAV & returns

NAV: ₹20.4392 as on Oct 20, 2025

This fund Category average

SBI Retirement Benefit Fund - Aggressive Plan overview

AUM (Fund size)	₹3,000 Cr
Exit load	0%
Lock-in Period	5 Years
Age	4 yrs 9 m since Jan 20, 2021
Benchmark	BSE 500 TRI
Min. investment	SIP: ₹500 & Lumpsum: ₹5000
Expense ratio	1.92% as on Sep 30, 2025
Plan type	Regular
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%

SBI Retirement Benefit Fund - Aggressive Plan Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Oct 25, 2025

Period	This fund	Category average
1 Month	2.38%	2.58%
3 Months	2.62%	2.85%
6 Months	8.97%	10.22%
1 Year	2.58%	5.89%
2 Years	14.57%	19.82%
3 Years	13.89%	17.91%
4 Years	12.29%	13.69%

View returns in detail

Asset allocationas on Sep 30, 2025

Large Cap 60.97%

Mid Cap 15.62%

Small Cap 19.41%

Other Cap 0%

Top holdings

HDFC Bank Ltd.8.41%

ICICI Bank Ltd.5.87%

Reliance Industries Ltd.5.6%

Maruti Suzuki India Ltd.4.82%

Top sectors

Financial 25.540000000000003%

Automobile 10.780000000000001%

Capital Goods 9.1%

Energy 8.16%

Credit quality

Bifurcation by Credit Quality is not available for this fund

Top Debt Holdings

Tamilnadu State 0.83%

GOI 0.37%

Housing & Urban Development Corporation Ltd. 0.18%

Allocation by Instruments

Repo 2.73%

State Development Loan 0.83%

GOI Securities 0.37%

Debenture 0.18%

Other Holdings

Others 2.73%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
SBI Retirement Benefit Fund - Aggressive Plan	2.38%	8.97%	2.58%	13.89%	N.A.	N.A.
ICICI Prudential Retirement Fund - Pure Equity Plan	3.15%	16.01%	13.48%	24.8%	27.99%	12.93%
HDFC Retirement Savings Fund - Equity Plan	2.49%	7.2%	4.78%	19.28%	24.48%	17.89%
Nippon India Retirement Fund - Wealth Creation Scheme	1.65%	7.88%	3.73%	18.09%	20.74%	11.23%
Tata Retirement Savings Progressive	3.35%	8.37%	3.49%	16.21%	16.05%	13.26%
Aditya Birla Sun Life Retirement Fund - The 30s Plan	2.84%	12.77%	7.0%	15.88%	15.07%	7.47%

Fund name	Std. deviation	Beta	Sharpe	Sortino
SBI Retirement Benefit Fund - Aggressive Plan	11.77	0.86	0.61	0.89
ICICI Prudential Retirement Fund - Pure Equity Plan	14.6	1.06	1.08	1.62
HDFC Retirement Savings Fund - Equity Plan	10.93	0.81	1.06	1.55
Nippon India Retirement Fund - Wealth Creation Scheme	13.15	0.98	0.83	1.16
Tata Retirement Savings Progressive	13.32	0.94	0.62	0.81
Aditya Birla Sun Life Retirement Fund - The 30s Plan	13.2	0.96	0.66	0.98

Fund name	ETM Rank	AUM	Fund age	Expense ratio
SBI Retirement Benefit Fund - Aggressive Plan	N.A.	3,000 Cr	4 yrs 9 m	1.92%
ICICI Prudential Retirement Fund - Pure Equity Plan	N.A.	1,410 Cr	6 yrs 8 m	2.07%
HDFC Retirement Savings Fund - Equity Plan	N.A.	6,693 Cr	9 yrs 8 m	1.77%
Nippon India Retirement Fund - Wealth Creation Scheme	N.A.	3,179 Cr	10 yrs 9 m	1.93%
Tata Retirement Savings Progressive	N.A.	2,048 Cr	14 yrs	2.0%
Aditya Birla Sun Life Retirement Fund - The 30s Plan	N.A.	411 Cr	6 yrs 8 m	2.41%

View all Retirement Solutions funds

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

Alpha	-1.06 vs. 5.38 Underperformed at beating benchmark
Sharpe	0.61 vs. 5.56 Poor risk-adjusted returns
Beta	0.86 vs. 1.02 Less sensitive to market ups & downs
Standard deviation	11.77 vs. 12.76 More stable returns

Compare SBI Retirement Benefit Fund - Aggressive Plan in detail with

About this fund

About SBI Retirement Benefit Fund - Aggressive Plan

SBI Retirement Benefit Fund - Aggressive Plan is a Retirement Solutions mutual fund scheme from Sbi Mutual Fund. This fund has been in existence for 4 yrs 9 m, having been launched on 20/01/2021. SBI Retirement Benefit Fund - Aggressive Plan has ₹3,000 Crores worth of assets under management (AUM) as on 30/09/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of SBI Retirement Benefit Fund - Aggressive Plan as of 20/10/2025 is ₹20.44. The fund has an expense ratio of 1.92%, which is higher than what most other Retirement Solutions funds charge.

SBI Retirement Benefit Fund - Aggressive Plan returns of last 1-year are -1.00%. Since launch, it has delivered 16.45% average annual returns. The fund has doubled the money invested in it every 5 yrs.
SBI Retirement Benefit Fund - Aggressive Plan scheme's ability to deliver returns consistently is lower than most funds of its category. Its ability to control losses in a falling market is below average.
The fund has the majority of its money invested in Financial, Automobile, Capital Goods, Energy, Technology sectors. It has taken less exposure in Financial, Automobile sectors compared to other funds in the category.
The fund's top 5 holdings are in HDFC Bank Ltd., ICICI Bank Ltd., Reliance Industries Ltd., Maruti Suzuki India Ltd., Larsen & Toubro Ltd..

...

Fund AUM	3,000 Cr as on Sep 30, 2025
Scheme document	View Scheme Document

Fund managers

Ardhendu Bhattacharya

Mr. Bhattacharya is a MBA (Marketing) and Bachelor of Engineering. Prior to joining SBI Mutual Fund, he has worked with ICICI Bank and Citibank.

Rohit Shimpi

Mr. 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.

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.

SBI Mutual Fund details

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

More funds from SBI Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
SBI PSU Fund	N.A.	5,521 Cr	6.8%	33.0%
SBI Contra Fund	N.A.	47,205 Cr	3.22%	29.54%
SBI Infrastructure Fund	N.A.	4,785 Cr	-2.79%	27.62%
SBI ELSS Tax Saver Fund	N.A.	30,420 Cr	3.95%	25.51%
SBI Midcap Fund	N.A.	22,209 Cr	-1.54%	25.23%
SBI Small Cap Fund	N.A.	35,585 Cr	-0.98%	24.15%

See all Equity funds from this AMC

Frequently asked questions

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

The current Net Asset Value (NAV) of the SBI Retirement Benefit Fund - Aggressive Plan plan is approximately ₹20.4392 as of Oct 20, 2025.

What are the returns of this mutual fund scheme?

The SBI Retirement Benefit Fund - Aggressive Plan is a 4 yrs 9 m old fund and has delivered average annual returns of 16.16% since inception.

SBI Retirement Benefit Fund - Aggressive Plan Returns

1-Year	3-Year	Since Inception
2.58%	13.89%	16.16%

How much does this mutual fund charge as expense ratio?

The SBI Retirement Benefit Fund - Aggressive Plan has an expense ratio of 1.92%, 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.

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

The SBI Retirement Benefit Fund - Aggressive Plan currently has assets under management (AUM) or fund size valued at approximately 3,000 Cr as on Sep 30, 2025.

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

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.	8.41%
ICICI Bank Ltd.	5.87%
Reliance Industries Ltd.	5.6%
Maruti Suzuki India Ltd.	4.82%
Larsen & Toubro Ltd.	3.84%
Infosys Ltd.	3.73%
State Bank of India	3.35%
Urban Company Ltd.	3.19%
Ultratech Cement Ltd.	2.95%
Kotak Mahindra Bank Ltd.	2.6%

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

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

Sector	Percentage of Portfolio
Financial	25.540000000000003%
Automobile	10.780000000000001%
Capital Goods	9.1%
Energy	8.16%
Technology	7.91%
Materials	6.75%
Construction	4.93%
Healthcare	4.8%
Metals & Mining	4.64%
Consumer Staples	4.14%

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

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

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

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

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

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.