SBI Retirement Benefit Fund - Aggressive Hybrid Plan vs SBI Retirement Benefit Fund - Conservative Plan
Direct Plan, Growth option · Data as on 30-10-2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan is a Solution fund and SBI Retirement Benefit Fund - Conservative Plan is a Solution fund. In the 3 years to 30-10-2026, SBI Retirement Benefit Fund - Aggressive Hybrid Plan (Direct) returned 8.9% a year and SBI Retirement Benefit Fund - Conservative Plan (Direct) returned 6.4% a year. SBI Retirement Benefit Fund - Aggressive Hybrid Plan charges 1.17% a year and SBI Retirement Benefit Fund - Conservative Plan 0.98% (Direct plans). Their portfolios overlap 19.0%: they hold 53 of the same securities.
SBI Retirement Benefit Fund - Aggressive Hybrid Plan
Solution
- 3 year return
- 8.9%
- Expense ratio
- 1.17%
- NAV
- ₹19.94
SBI Retirement Benefit Fund - Conservative Plan
Solution
- 3 year return
- 6.4%
- Expense ratio
- 0.98%
- NAV
- ₹14.85
Which is better, SBI Retirement Benefit Fund - Aggressive Hybrid Plan or SBI Retirement Benefit Fund - Conservative 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 Retirement Benefit Fund - Aggressive Hybrid Plan returned more over 5 years: 9.6% a year against 6.6%.
- SBI Retirement Benefit Fund - Aggressive Hybrid Plan returned more over 3 years: 8.9% a year against 6.4%.
- SBI Retirement Benefit Fund - Conservative Plan costs less: 0.98% a year against 1.17% (Direct plans).
- SBI Retirement Benefit Fund - Conservative Plan swung less over 3 years: a standard deviation of 3.6% a year against 10.9%.
- SBI Retirement Benefit Fund - Conservative Plan fell less in its worst fall since 17-02-2021: −4.5% against −14.5%.
- SBI Retirement Benefit Fund - Aggressive Hybrid Plan holds more in large companies: 37.5% of the fund in large caps against 9.3%.
- SBI Retirement Benefit Fund - Aggressive Hybrid Plan is the larger fund: ₹1,587 Cr against ₹138 Cr.
- Their portfolios overlap 19.0%: 53 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 Retirement Benefit Fund - Aggressive Hybrid Plan | SBI Retirement Benefit Fund - Conservative Plan |
|---|---|---|
| Fund house | SBI Mutual Fund | SBI Mutual Fund |
| Category | Solution | Solution |
| AUM | ₹1,587 Cr (30-09-2026) | ₹138 Cr (30-09-2026) |
| NAV | ₹19.94 (Direct) | ₹14.85 (Direct) |
| Expense ratio (Direct) | 1.17% | 0.98% |
| Expense ratio (Regular) | 2.14% | 1.44% |
| Riskometer | Very High | Moderately High |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | CRISIL Hybrid 85+15 - Conservative Index |
| Launch date | 10-02-2021 | 10-02-2021 |
| Minimum investment | ₹5,000 | ₹5,000 |
| Lock in | 5 years, or until retirement if earlier | 5 years, or until retirement if earlier |
| Fund managers | Ardhendu Bhattacharya, Rohit Shimpi | Ardhendu Bhattacharya, Rohit Shimpi |
| Exit load | Nil | Nil |
SBI Retirement Benefit Fund - Aggressive Hybrid Plan vs SBI Retirement Benefit Fund - Conservative 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 Retirement Benefit Fund - Aggressive Hybrid Plan (Direct) | −1.75% | −3.42% | +0.34% | −2.71% | +8.90% | +9.64% | -- |
| SBI Retirement Benefit Fund - Conservative Plan (Direct) | −0.53% | −0.99% | +1.76% | +0.86% | +6.41% | +6.64% | -- |
SBI Retirement Benefit Fund - Aggressive Hybrid Plan vs SBI Retirement Benefit Fund - Conservative Plan: Year-wise Returns
| Year | Aggressive HybridSBI Retirement Benefit Fund - Aggressive Hybrid Plan | ConservativeSBI Retirement Benefit Fund - Conservative Plan |
|---|---|---|
| 2026to date | −2.95% | +0.49% |
| 2025 | +8.06% | +5.59% |
| 2024 | +11.61% | +9.54% |
| 2023 | +24.40% | +11.84% |
| 2022 | +7.80% | +5.42% |
SBI Retirement Benefit Fund - Aggressive Hybrid Plan vs SBI Retirement Benefit Fund - Conservative Plan: Rolling Returns
Every holding period of both funds
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 Retirement Benefit Fund - Aggressive Hybrid Plan (Direct)
SBI Retirement Benefit Fund - Conservative Plan (Direct)
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| SBI Retirement Benefit Fund - Aggressive Hybrid Plan | 0.0 | 0.0 | 5.2 | 54.2 | 34.8 | 5.8 | 0.0 | 14.9% | 14.3% | 7.8% | 20.8% |
| SBI Retirement Benefit Fund - Conservative Plan | 0.0 | 0.0 | 90.9 | 9.1 | 0.0 | 0.0 | 0.0 | 8.7% | 8.9% | 6.2% | 11.3% |
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. Every fund is measured over the days all of them have, from 17-02-2021. Past returns do not promise future returns.
SBI Retirement Benefit Fund - Aggressive Hybrid Plan vs SBI Retirement Benefit Fund - Conservative 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 17-02-2021 to 30-10-2026: 69 instalments, ₹6,90,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| SBI Retirement Benefit Fund - Aggressive Hybrid PlanSBI Retirement Benefit Fund - Aggressive Hybrid Plan (Direct) | ₹6,90,000 | ₹8,96,026 | ₹2,06,026 | 9.0% |
| SBI Retirement Benefit Fund - Conservative PlanSBI Retirement Benefit Fund - Conservative Plan (Direct) | ₹6,90,000 | ₹8,23,846 | ₹1,33,846 | 6.1% |
SBI Retirement Benefit Fund - Aggressive Hybrid PlanSBI Retirement Benefit Fund - Aggressive Hybrid Plan (Direct)
SBI Retirement Benefit Fund - Conservative PlanSBI Retirement Benefit Fund - Conservative 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 Retirement Benefit Fund - Aggressive Hybrid Plan vs SBI Retirement Benefit Fund - Conservative Plan: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | SBI Retirement Benefit Fund - Aggressive Hybrid Plan (Direct) | SBI Retirement Benefit Fund - Conservative Plan (Direct) |
|---|---|---|
| Return (CAGR) | −2.71% | +0.86% |
| Standard deviation | 12.43% | 4.37% |
| Sharpe ratio | -0.64 | -1.00 |
| Sortino ratio | -0.87 | -1.36 |
| Maximum drawdown | −12.1% (23-03-2026) | −4.5% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Retirement Benefit Fund - Aggressive Hybrid Plan (Direct) | SBI Retirement Benefit Fund - Conservative Plan (Direct) |
|---|---|---|
| Return (CAGR) | +8.90% | +6.41% |
| Standard deviation | 10.90% | 3.61% |
| Sharpe ratio | 0.26 | 0.11 |
| Sortino ratio | 0.36 | 0.15 |
| Maximum drawdown | −14.5% (28-02-2025) | −4.5% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Retirement Benefit Fund - Aggressive Hybrid Plan (Direct) | SBI Retirement Benefit Fund - Conservative Plan (Direct) |
|---|---|---|
| Return (CAGR) | +9.64% | +6.64% |
| Standard deviation | 10.77% | 3.47% |
| Sharpe ratio | 0.36 | 0.24 |
| Sortino ratio | 0.49 | 0.33 |
| Maximum drawdown | −14.5% (28-02-2025) | −4.5% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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 Retirement Benefit Fund - Aggressive Hybrid Plan (Direct) | SBI Retirement Benefit Fund - Conservative Plan (Direct) |
|---|---|---|
| Return (CAGR) | +12.64% | +7.13% |
| Standard deviation | 10.67% | 3.33% |
| Sharpe ratio | 0.67 | 0.50 |
| Sortino ratio | 0.92 | 0.69 |
| Maximum drawdown | −14.5% (28-02-2025) | −4.5% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 17-02-2021 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.
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 Retirement Benefit Fund - Aggressive Hybrid Plan (Direct)
SBI Retirement Benefit Fund - Conservative Plan (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Retirement Benefit Fund - Aggressive Hybrid Plan (Direct) | −14.5% | 26-09-2024 | 28-02-2025 | 29-10-2025 | 8 months | −6.7% |
| SBI Retirement Benefit Fund - Conservative Plan (Direct) | −4.5% | 02-01-2026 | 30-03-2026 | 16-06-2026 | 3 months | −1.8% |
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 Retirement Benefit Fund - Aggressive Hybrid Plan (Direct)
SBI Retirement Benefit Fund - Conservative Plan (Direct)
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 Retirement Benefit Fund - Aggressive Hybrid Plan (Direct)
SBI Retirement Benefit Fund - Conservative Plan (Direct)
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 Retirement Benefit Fund - Aggressive Hybrid Plan (Direct)
SBI Retirement Benefit Fund - Conservative Plan (Direct)
SBI Retirement Benefit Fund - Aggressive Hybrid Plan vs SBI Retirement Benefit Fund - Conservative Plan: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Retirement Benefit Fund - Aggressive Hybrid Plan, September 2026; SBI Retirement Benefit Fund - Conservative Plan, September 2026
Holdings in common
- Overlap
- 19.0%
- Held by both
- 53
- Only in SBI Retirement Benefit Fund - Aggressive Hybrid Plan
- 7
- Only in SBI Retirement Benefit Fund - Conservative Plan
- 11
| Security | % of SBI Retirement Benefit Fund - Aggressive Hybrid Plan | % of SBI Retirement Benefit Fund - Conservative Plan |
|---|---|---|
| HDFC Bank Ltd. | 5.00% | 1.24% |
| ICICI Bank Ltd. | 4.62% | 1.17% |
| Larsen & Toubro Ltd. | 3.21% | 0.79% |
| State Bank of India | 2.89% | 0.74% |
| Maruti Suzuki India Ltd. | 2.46% | 0.59% |
| Ultratech Cement Ltd. | 2.31% | 0.57% |
| Kotak Mahindra Bank Ltd. | 2.19% | 0.51% |
| Lenskart Solutions Ltd. | 1.82% | 0.47% |
| Urban Company Ltd. | 2.00% | 0.46% |
| TVS Motor Company Ltd. | 1.81% | 0.45% |
| Bajaj Finance Ltd. | 1.70% | 0.45% |
| JSW Infrastructure Ltd. | 1.86% | 0.43% |
| Anthem Biosciences Ltd. | 1.65% | 0.41% |
| Corona Remedies Ltd. | 1.65% | 0.41% |
| Sona Blw Precision Forgings Ltd. | 1.57% | 0.41% |
| Divi's Laboratories Ltd. | 1.69% | 0.39% |
| Hyundai Motor India Ltd. | 1.54% | 0.38% |
| Timken India Ltd. | 1.66% | 0.37% |
| Schaeffler India Ltd. | 1.51% | 0.37% |
| Navin Fluorine International Ltd. | 1.66% | 0.36% |
| JSW Cement Ltd. | 1.44% | 0.36% |
| Central Depository Services (I) Ltd. | 1.50% | 0.35% |
| Elevate Campuses Ltd. | 1.43% | 0.35% |
| ZF Commercial Vehicle Control Systems India Ltd. | 1.21% | 0.31% |
| The Indian Hotels Company Ltd. | 1.19% | 0.30% |
| Bajaj Finserv Ltd. | 1.19% | 0.30% |
| Asian Paints Ltd. | 1.26% | 0.29% |
| Tech Mahindra Ltd. | 1.17% | 0.29% |
| Grindwell Norton Ltd. | 1.11% | 0.29% |
| FSN E-Commerce Ventures Ltd. | 1.29% | 0.27% |
| Jubilant Foodworks Ltd. | 1.19% | 0.27% |
| Pidilite Industries Ltd. | 1.08% | 0.27% |
| Coforge Ltd. | 1.07% | 0.26% |
| Balrampur Chini Mills Ltd. | 1.04% | 0.26% |
| Sudeep Pharma Ltd. | 1.07% | 0.25% |
| Thermax Ltd. | 0.97% | 0.25% |
| Oberoi Realty Ltd. | 0.96% | 0.24% |
| Torrent Power Ltd. | 0.86% | 0.24% |
| DLF Ltd. | 0.87% | 0.23% |
| ABB India Ltd. | 0.85% | 0.23% |
| Berger Paints India Ltd. | 0.86% | 0.22% |
| Pitti Engineering Ltd. | 0.82% | 0.22% |
| Godrej Properties Ltd. | 0.72% | 0.22% |
| Honeywell Automation India Ltd. | 0.97% | 0.21% |
| Interglobe Aviation Ltd. | 0.91% | 0.21% |
| HDB Financial Services Ltd. | 0.59% | 0.21% |
| Voltas Ltd. | 0.78% | 0.20% |
| Page Industries Ltd. | 0.78% | 0.19% |
| LTM Ltd. | 0.71% | 0.19% |
| Carborundum Universal Ltd. | 0.87% | 0.18% |
| Brigade Hotel Ventures Ltd. | 0.56% | 0.17% |
| Biocon Ltd. | 0.80% | 0.16% |
| ESAB India Ltd. | 0.41% | 0.04% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 19.0% means 19.0% 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 Retirement Benefit Fund - Aggressive Hybrid Plan
| Security | % of fund |
|---|---|
| SBI Gold ETF | 9.26% |
| National Highways Infra Trust | 2.79% |
| Altius Telecom Infrastructure Trust | 2.73% |
| Cube Highways Trust | 2.54% |
| Housing and Urban Development Corporation Ltd. | 0.32% |
Largest holdings only in SBI Retirement Benefit Fund - Conservative Plan
| Security | % of fund |
|---|---|
| National Bank for Agriculture and Rural Development | 7.20% |
| Bharat Sanchar Nigam Ltd. | 7.16% |
| Summit Digitel Infrastructure Pvt. Ltd. | 5.36% |
| Torrent Power Ltd. | 3.65% |
| Cholamandalam Investment & Finance Co. Ltd. | 3.64% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | SBI Retirement Benefit Fund - Conservative Plan |
|---|---|---|
| Equity | 77.5% | 19.0% |
| Debt | 0.6% | 47.9% |
| Cash and others | 21.9% | 33.1% |
Market cap of stocks
| Market cap | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | SBI Retirement Benefit Fund - Conservative Plan |
|---|---|---|
| Large Cap | 37.5% | 9.3% |
| Mid Cap | 19.3% | 4.8% |
| Small Cap | 19.4% | 4.5% |
| Not on AMFI's list | 1.4% | 0.3% |
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 Retirement Benefit Fund - Aggressive Hybrid Plan | SBI Retirement Benefit Fund - Conservative Plan |
|---|---|---|
| Banks | 14.7% | 3.7% |
| Automobiles | 5.8% | 1.4% |
| Pharmaceuticals & Biotechnology | 5.8% | 1.4% |
| Retailing | 5.1% | 1.2% |
| Auto Components | 4.3% | 1.1% |
| Industrial Products | 4.0% | 0.9% |
| Realty | 4.0% | 1.0% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Retirement Benefit Fund - Aggressive Hybrid Plan vs SBI Retirement Benefit Fund - Conservative Plan: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | SBI Retirement Benefit Fund - Conservative Plan |
|---|---|---|
| Total expense ratio (Direct) | 1.17% | 0.98% |
| Base expense ratio (Direct) | 0.89% | 0.79% |
| Total expense ratio (Regular) | 2.14% | 1.44% |
| Base expense ratio (Regular) | 1.72% | 1.19% |
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.
SBI Retirement Benefit Fund - Aggressive Hybrid Plan vs SBI Retirement Benefit Fund - Conservative Plan: Frequently Asked Questions
What is the difference between SBI Retirement Benefit Fund - Aggressive Hybrid Plan and SBI Retirement Benefit Fund - Conservative Plan?
SBI Retirement Benefit Fund - Aggressive Hybrid Plan is a Solution fund, SBI Retirement Benefit Fund - Conservative Plan is a Solution fund, run by SBI Mutual Fund. Their portfolios overlap 19.0%. SBI Retirement Benefit Fund - Aggressive Hybrid Plan charges 1.17% a year and SBI Retirement Benefit Fund - Conservative Plan 0.98%.
Which has given higher returns, SBI Retirement Benefit Fund - Aggressive Hybrid Plan or SBI Retirement Benefit Fund - Conservative Plan?
Over 1 year: SBI Retirement Benefit Fund - Aggressive Hybrid Plan −2.71%, SBI Retirement Benefit Fund - Conservative Plan +0.86%. Over 3 years: SBI Retirement Benefit Fund - Aggressive Hybrid Plan +8.90% a year, SBI Retirement Benefit Fund - Conservative Plan +6.41% a year. Over 5 years: SBI Retirement Benefit Fund - Aggressive Hybrid Plan +9.64% a year, SBI Retirement Benefit Fund - Conservative Plan +6.64% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, SBI Retirement Benefit Fund - Aggressive Hybrid Plan or SBI Retirement Benefit Fund - Conservative Plan?
SBI Retirement Benefit Fund - Conservative Plan charges less: 0.98% a year against 1.17%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Retirement Benefit Fund - Aggressive Hybrid Plan and SBI Retirement Benefit Fund - Conservative Plan overlap?
19.0%. They hold 53 of the same securities, the largest shared ones being HDFCBANK, ICICIBANK, LT. From each fund's latest monthly portfolio.
Which is riskier, SBI Retirement Benefit Fund - Aggressive Hybrid Plan or SBI Retirement Benefit Fund - Conservative Plan?
On SEBI's riskometer, SBI Retirement Benefit Fund - Aggressive Hybrid Plan is rated Very High and SBI Retirement Benefit Fund - Conservative Plan Moderately High. Over 3 years, the standard deviation of daily returns was 10.90% and 3.61% a year.
Which is better for SIP, SBI Retirement Benefit Fund - Aggressive Hybrid Plan or SBI Retirement Benefit Fund - Conservative Plan?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,47,353 in SBI Retirement Benefit Fund - Aggressive Hybrid Plan (XIRR 7.9% a year) and ₹7,08,443 in SBI Retirement Benefit Fund - Conservative Plan (XIRR 5.8% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both SBI Retirement Benefit Fund - Aggressive Hybrid Plan and SBI Retirement Benefit Fund - Conservative Plan?
Yes. 19.0% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages SBI Retirement Benefit Fund - Aggressive Hybrid Plan and SBI Retirement Benefit Fund - Conservative Plan?
SBI Retirement Benefit Fund - Aggressive Hybrid Plan: Ardhendu Bhattacharya, Rohit Shimpi. SBI Retirement Benefit Fund - Conservative 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.