SBI Long Term Advantage Fund - Series V vs SBI Retirement Benefit Fund - Aggressive Plan
Direct Plan, Growth option · Data as on 30-10-2026
SBI Long Term Advantage Fund - Series V is an ELSS fund and SBI Retirement Benefit Fund - Aggressive Plan is a Solution fund. In the 3 years to 30-10-2026, SBI Long Term Advantage Fund - Series V (Direct) returned 18.9% a year and SBI Retirement Benefit Fund - Aggressive Plan (Direct) returned 8.3% a year. SBI Long Term Advantage Fund - Series V charges 1.27% a year and SBI Retirement Benefit Fund - Aggressive Plan 1.14% (Direct plans). Their portfolios overlap 22.7%: they hold 11 of the same securities.
SBI Long Term Advantage Fund - Series V
ELSS
- 3 year return
- 18.9%
- Expense ratio
- 1.27%
- NAV
- ₹31.37
SBI Retirement Benefit Fund - Aggressive Plan
Solution
- 3 year return
- 8.3%
- Expense ratio
- 1.14%
- NAV
- ₹20.68
Which is better, SBI Long Term Advantage Fund - Series V or SBI Retirement Benefit Fund - Aggressive Plan? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- SBI Long Term Advantage Fund - Series V returned more over 5 years: 13.2% a year against 9.7%.
- SBI Long Term Advantage Fund - Series V returned more over 3 years: 18.9% a year against 8.3%.
- SBI Retirement Benefit Fund - Aggressive Plan costs less: 1.14% a year against 1.27% (Direct plans).
- SBI Retirement Benefit Fund - Aggressive Plan swung less over 3 years: a standard deviation of 13.1% a year against 15.2%.
- SBI Long Term Advantage Fund - Series V fell less in its worst fall since 17-02-2021: −16.2% against −17.9%.
- SBI Retirement Benefit Fund - Aggressive Plan holds more in large companies: 46.3% of the fund in large caps against 30.1%.
- SBI Retirement Benefit Fund - Aggressive Plan is the larger fund: ₹3,066 Cr against ₹366 Cr.
- Their portfolios overlap 22.7%: 11 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | SBI Long Term Advantage Fund - Series V | SBI Retirement Benefit Fund - Aggressive Plan |
|---|---|---|
| Fund house | SBI Mutual Fund | SBI Mutual Fund |
| Category | ELSS | Solution |
| AUM | ₹366 Cr (30-09-2026) | ₹3,066 Cr (30-09-2026) |
| NAV | ₹31.37 (Direct) | ₹20.68 (Direct) |
| Expense ratio (Direct) | 1.27% | 1.14% |
| Expense ratio (Regular) | 1.37% | 2.10% |
| Riskometer | Very High | Very High |
| Benchmark | BSE 500 TRI | BSE 500 TRI |
| Launch date | 27-03-2018 | 10-02-2021 |
| Minimum investment | Not available | ₹5,000 |
| Lock in | 3 years | 5 years, or until retirement if earlier |
| Fund managers | Mohan Lal | Ardhendu Bhattacharya, Rohit Shimpi |
| Exit load | Not available | Nil |
SBI Long Term Advantage Fund - Series V vs SBI Retirement Benefit Fund - Aggressive Plan: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| SBI Long Term Advantage Fund - Series V (Direct) | −4.33% | −6.21% | +0.99% | −5.06% | +18.92% | +13.21% | -- |
| SBI Retirement Benefit Fund - Aggressive Plan (Direct) | −1.40% | −4.07% | +0.07% | −5.24% | +8.29% | +9.65% | -- |
| ELSS average | −2.34% | −5.61% | −1.63% | −5.75% | +10.92% | +10.29% | -- |
Category average: the average of the 50 ELSS funds, same plan type.
SBI Long Term Advantage Fund - Series V vs SBI Retirement Benefit Fund - Aggressive Plan: Year-wise Returns
| Year | Long Term Advantage Fund - Series VSBI Long Term Advantage Fund - Series V | Retirement Benefit Fund - Aggressive PlanSBI Retirement Benefit Fund - Aggressive Plan | BSE 500 TRI |
|---|---|---|---|
| 2026to date | −3.68% | −4.92% | −7.81% |
| 2025 | +11.05% | +6.18% | +7.63% |
| 2024 | +43.70% | +11.72% | +15.81% |
| 2023 | +17.08% | +28.29% | +26.55% |
| 2022 | +2.44% | +9.22% | +4.77% |
| 2021 | +34.93% | -- | +31.63% |
SBI Long Term Advantage Fund - Series V vs SBI Retirement Benefit Fund - Aggressive Plan: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of both
Rolling returns
Every 3-year holding period, 673 of them, one for each trading day from 19-02-2024 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
SBI Long Term Advantage Fund - Series V (Direct)
SBI Retirement Benefit Fund - Aggressive Plan (Direct)
BSE 500 TRI
to
May 2024Oct 2021
to
Oct 2024Apr 2022
to
Apr 2025Sept 2022
to
Sept 2025Mar 2023
to
Mar 2026Aug 2023
to
Aug 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SBI Long Term Advantage Fund - Series V | 0.0 | 0.0 | 0.0 | 0.1 | 33.4 | 58.7 | 7.7 | 21.1% | 21.1% | 15.0% | 28.3% | 89% |
| SBI Retirement Benefit Fund - Aggressive Plan | 0.0 | 0.0 | 8.3 | 40.7 | 25.4 | 25.6 | 0.0 | 16.0% | 15.1% | 6.9% | 24.1% | 47% |
| BSE 500 TRI | 0.0 | 0.0 | 3.6 | 30.6 | 56.5 | 9.4 | 0.0 | 16.0% | 16.0% | 8.4% | 22.0% | -- |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. The benchmark is BSE 500 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. Every fund is measured over the days all of them have, from 17-02-2021. Past returns do not promise future returns.
SBI Long Term Advantage Fund - Series V vs SBI Retirement Benefit Fund - Aggressive Plan: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-02-2021 to 30-10-2026: 69 instalments, ₹6,90,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Long Term Advantage Fund - Series VSBI Long Term Advantage Fund - Series V (Direct) | ₹6,90,000 | ₹10,38,584 | ₹3,48,584 | 14.1% |
| SBI Retirement Benefit Fund - Aggressive PlanSBI Retirement Benefit Fund - Aggressive Plan (Direct) | ₹6,90,000 | ₹8,89,149 | ₹1,99,149 | 8.7% |
SBI Long Term Advantage Fund - Series VSBI Long Term Advantage Fund - Series V (Direct)
SBI Retirement Benefit Fund - Aggressive PlanSBI Retirement Benefit Fund - Aggressive Plan (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
SBI Long Term Advantage Fund - Series V vs SBI Retirement Benefit Fund - Aggressive Plan: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Long Term Advantage Fund - Series V (Direct) | SBI Retirement Benefit Fund - Aggressive Plan (Direct) |
|---|---|---|
| Return (CAGR) | −5.06% | −5.24% |
| Standard deviation | 16.18% | 14.39% |
| Sharpe ratio | -0.64 | -0.73 |
| Sortino ratio | -0.87 | -0.99 |
| Maximum drawdown | −15.6% (31-03-2026) | −14.9% (31-03-2026) |
| Beta | 1.04 | 0.98 |
| Alpha | +3.06% | +2.15% |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | SBI Long Term Advantage Fund - Series V (Direct) | SBI Retirement Benefit Fund - Aggressive Plan (Direct) |
|---|---|---|
| Return (CAGR) | +18.92% | +8.29% |
| Standard deviation | 15.17% | 13.06% |
| Sharpe ratio | 0.85 | 0.17 |
| Sortino ratio | 1.18 | 0.24 |
| Maximum drawdown | −16.2% (31-03-2026) | −17.9% (07-04-2025) |
| Beta | 0.94 | 0.89 |
| Alpha | +9.24% | −1.16% |
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | SBI Long Term Advantage Fund - Series V (Direct) | SBI Retirement Benefit Fund - Aggressive Plan (Direct) |
|---|---|---|
| Return (CAGR) | +13.21% | +9.65% |
| Standard deviation | 14.29% | 13.05% |
| Sharpe ratio | 0.52 | 0.29 |
| Sortino ratio | 0.72 | 0.40 |
| Maximum drawdown | −16.2% (31-03-2026) | −17.9% (07-04-2025) |
| Beta | 0.90 | 0.87 |
| Alpha | +4.84% | +1.35% |
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | SBI Long Term Advantage Fund - Series V (Direct) | SBI Retirement Benefit Fund - Aggressive Plan (Direct) |
|---|---|---|
| Return (CAGR) | +14.19% | +13.31% |
| Standard deviation | 16.08% | 12.93% |
| Sharpe ratio | 0.55 | 0.61 |
| Sortino ratio | 0.75 | 0.83 |
| Maximum drawdown | −35.8% (23-03-2020) | −17.9% (07-04-2025) |
| Beta | 0.90 | 0.86 |
| Alpha | +2.91% | +2.90% |
From daily NAVs, 05-04-2018 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
SBI Long Term Advantage Fund - Series V (Direct)
SBI Retirement Benefit Fund - Aggressive Plan (Direct)
BSE 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Long Term Advantage Fund - Series V (Direct) | −16.2% | 23-07-2025 | 31-03-2026 | 16-07-2026 | 4 months | −9.0% |
| SBI Retirement Benefit Fund - Aggressive Plan (Direct) | −17.9% | 26-09-2024 | 07-04-2025 | Not yet | -- | −8.0% |
| BSE 500 TRI | −18.7% | 26-09-2024 | 28-02-2025 | Not yet | -- | −9.4% |
From daily values since 17-02-2021, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
SBI Long Term Advantage Fund - Series V (Direct)
SBI Retirement Benefit Fund - Aggressive Plan (Direct)
BSE 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
SBI Long Term Advantage Fund - Series V (Direct)
SBI Retirement Benefit Fund - Aggressive Plan (Direct)
BSE 500 TRI
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
SBI Long Term Advantage Fund - Series V (Direct)
SBI Retirement Benefit Fund - Aggressive Plan (Direct)
BSE 500 TRI
Against BSE 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI Long Term Advantage Fund - Series V (Direct) | 107% | 87% | 5.96% |
| SBI Retirement Benefit Fund - Aggressive Plan (Direct) | 96% | 80% | 4.32% |
From month-end values since 17-02-2021. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
SBI Long Term Advantage Fund - Series V vs SBI Retirement Benefit Fund - Aggressive Plan: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Long Term Advantage Fund - Series V, September 2026; SBI Retirement Benefit Fund - Aggressive Plan, September 2026
Holdings in common
- Overlap
- 22.7%
- Held by both
- 11
- Only in SBI Long Term Advantage Fund - Series V
- 20
- Only in SBI Retirement Benefit Fund - Aggressive Plan
- 45
| Security | % of SBI Long Term Advantage Fund - Series V | % of SBI Retirement Benefit Fund - Aggressive Plan |
|---|---|---|
| HDFC Bank Ltd. | 3.68% | 6.13% |
| Kotak Mahindra Bank Ltd. | 3.42% | 2.67% |
| Bajaj Finance Ltd. | 2.89% | 2.24% |
| Divi's Laboratories Ltd. | 5.08% | 2.09% |
| Navin Fluorine International Ltd. | 3.61% | 1.96% |
| State Bank of India | 1.84% | 3.61% |
| Elevate Campuses Ltd. | 2.44% | 1.80% |
| Sona Blw Precision Forgings Ltd. | 3.41% | 1.75% |
| JSW Cement Ltd. | 2.48% | 1.75% |
| Grindwell Norton Ltd. | 4.14% | 1.48% |
| Corona Remedies Ltd. | 1.43% | 2.07% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 22.7% means 22.7% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in SBI Long Term Advantage Fund - Series V
| Security | % of fund |
|---|---|
| Arvind Ltd. | 7.02% |
| Deepak Fertilizers and Petrochemicals Corporation Ltd. | 6.28% |
| Foseco India Ltd. | 4.80% |
| Eicher Motors Ltd. | 3.91% |
| Sanathan Textiles Ltd. | 3.89% |
Largest holdings only in SBI Retirement Benefit Fund - Aggressive Plan
| Security | % of fund |
|---|---|
| ICICI Bank Ltd. | 5.63% |
| Larsen & Toubro Ltd. | 3.86% |
| Maruti Suzuki India Ltd. | 2.95% |
| Ultratech Cement Ltd. | 2.58% |
| Urban Company Ltd. | 2.39% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Long Term Advantage Fund - Series V | SBI Retirement Benefit Fund - Aggressive Plan |
|---|---|---|
| Equity | 98.2% | 95.3% |
| Debt | 0.0% | 0.2% |
| Cash and others | 1.8% | 4.5% |
Market cap of stocks
| Market cap | SBI Long Term Advantage Fund - Series V | SBI Retirement Benefit Fund - Aggressive Plan |
|---|---|---|
| Large Cap | 30.1% | 46.3% |
| Mid Cap | 12.2% | 23.9% |
| Small Cap | 50.8% | 23.4% |
| Not on AMFI's list | 5.1% | 1.8% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | SBI Long Term Advantage Fund - Series V | SBI Retirement Benefit Fund - Aggressive Plan |
|---|---|---|
| Banks | 8.9% | 18.0% |
| Textiles & Apparels | 15.9% | 0.9% |
| Chemicals & Petrochemicals | 14.7% | 4.5% |
| Pharmaceuticals & Biotechnology | 9.5% | 7.2% |
| Finance | 8.5% | 4.6% |
| Automobiles | 3.9% | 7.0% |
| Industrial Products | 6.7% | 4.8% |
| Retailing | 2.0% | 6.2% |
| Realty | 2.4% | 5.3% |
| Auto Components | 3.4% | 5.0% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Long Term Advantage Fund - Series V vs SBI Retirement Benefit Fund - Aggressive Plan: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Long Term Advantage Fund - Series V | SBI Retirement Benefit Fund - Aggressive Plan |
|---|---|---|
| Total expense ratio (Direct) | 1.27% | 1.14% |
| Base expense ratio (Direct) | 0.91% | 0.85% |
| Total expense ratio (Regular) | 1.37% | 2.10% |
| Base expense ratio (Regular) | 1.00% | 1.68% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
More comparisons
Each fund against the others of its category
Compare SBI Long Term Advantage Fund - Series V with
SBI Long Term Advantage Fund - Series V vs SBI Retirement Benefit Fund - Aggressive Plan: Frequently Asked Questions
What is the difference between SBI Long Term Advantage Fund - Series V and SBI Retirement Benefit Fund - Aggressive Plan?
SBI Long Term Advantage Fund - Series V is an ELSS fund, SBI Retirement Benefit Fund - Aggressive Plan is a Solution fund, run by SBI Mutual Fund. Their portfolios overlap 22.7%. SBI Long Term Advantage Fund - Series V charges 1.27% a year and SBI Retirement Benefit Fund - Aggressive Plan 1.14%.
Which has given higher returns, SBI Long Term Advantage Fund - Series V or SBI Retirement Benefit Fund - Aggressive Plan?
Over 1 year: SBI Long Term Advantage Fund - Series V −5.06%, SBI Retirement Benefit Fund - Aggressive Plan −5.24%. Over 3 years: SBI Long Term Advantage Fund - Series V +18.92% a year, SBI Retirement Benefit Fund - Aggressive Plan +8.29% a year. Over 5 years: SBI Long Term Advantage Fund - Series V +13.21% a year, SBI Retirement Benefit Fund - Aggressive Plan +9.65% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Long Term Advantage Fund - Series V or SBI Retirement Benefit Fund - Aggressive Plan?
SBI Retirement Benefit Fund - Aggressive Plan charges less: 1.14% a year against 1.27%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Long Term Advantage Fund - Series V and SBI Retirement Benefit Fund - Aggressive Plan overlap?
22.7%. They hold 11 of the same securities, the largest shared ones being HDFCBANK, KOTAKBANK, BAJFINANCE. From each fund's latest monthly portfolio.
Which is riskier, SBI Long Term Advantage Fund - Series V or SBI Retirement Benefit Fund - Aggressive Plan?
On SEBI's riskometer, SBI Long Term Advantage Fund - Series V is rated Very High and SBI Retirement Benefit Fund - Aggressive Plan Very High. Over 3 years, the standard deviation of daily returns was 15.17% and 13.06% a year.
Which is better for SIP, SBI Long Term Advantage Fund - Series V or SBI Retirement Benefit Fund - Aggressive Plan?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹8,62,146 in SBI Long Term Advantage Fund - Series V (XIRR 13.6% a year) and ₹7,36,576 in SBI Retirement Benefit Fund - Aggressive Plan (XIRR 7.4% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both SBI Long Term Advantage Fund - Series V and SBI Retirement Benefit Fund - Aggressive Plan?
Yes. 22.7% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages SBI Long Term Advantage Fund - Series V and SBI Retirement Benefit Fund - Aggressive Plan?
SBI Long Term Advantage Fund - Series V: Mohan Lal. SBI Retirement Benefit Fund - Aggressive Plan: Ardhendu Bhattacharya, Rohit Shimpi.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.