SBI Retirement Benefit Fund - Aggressive Plan vs UTI Retirement Fund
Direct Plan, Growth option · Data as on 30-10-2026
SBI Retirement Benefit Fund - Aggressive Plan is a Solution fund and UTI Retirement Fund is a Solution fund. In the 3 years to 30-10-2026, SBI Retirement Benefit Fund - Aggressive Plan (Direct) returned 8.3% a year and UTI Retirement Fund (Direct) returned 8.4% a year. SBI Retirement Benefit Fund - Aggressive Plan charges 1.14% a year and UTI Retirement Fund 1.16% (Direct plans). Their portfolios overlap 9.5%: they hold 5 of the same securities.
SBI Retirement Benefit Fund - Aggressive Plan
Solution
- 3 year return
- 8.3%
- Expense ratio
- 1.14%
- NAV
- ₹20.68
Which is better, SBI Retirement Benefit Fund - Aggressive Plan or UTI Retirement? 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 Plan returned more over 5 years: 9.7% a year against 8.1%.
- UTI Retirement returned more over 3 years: 8.4% a year against 8.3%.
- SBI Retirement Benefit Fund - Aggressive Plan costs less: 1.14% a year against 1.16% (Direct plans).
- UTI Retirement swung less over 3 years: a standard deviation of 5.7% a year against 13.1%.
- UTI Retirement fell less in its worst fall since 17-02-2021: −6.3% against −17.9%.
- SBI Retirement Benefit Fund - Aggressive Plan holds more in large companies: 46.3% of the fund in large caps against 24.3%.
- UTI Retirement is the larger fund: ₹4,578 Cr against ₹3,066 Cr.
- Their portfolios overlap 9.5%: 5 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 Plan | UTI Retirement Fund |
|---|---|---|
| Fund house | SBI Mutual Fund | UTI Mutual Fund |
| Category | Solution | Solution |
| AUM | ₹3,066 Cr (30-09-2026) | ₹4,578 Cr (30-09-2026) |
| NAV | ₹20.68 (Direct) | ₹53.47 (Direct) |
| Expense ratio (Direct) | 1.14% | 1.16% |
| Expense ratio (Regular) | 2.10% | 1.63% |
| Riskometer | Very High | High |
| Benchmark | BSE 500 TRI | CRISIL Short Term Debt Hybrid 60+40 Index |
| Launch date | 10-02-2021 | 26-12-1994 |
| Minimum investment | ₹5,000 | Regular Plan-Growth- Rs.500, Direct Plan-Growth- Rs.500, |
| Lock in | 5 years, or until retirement if earlier | 5 years, or until retirement if earlier |
| Fund managers | Ardhendu Bhattacharya, Rohit Shimpi | Anurag Mittal FM 1, V Srivatsa FM 2, Not Applicable FM 3 |
| Exit load | Nil | Period of Holding *: (A) Less than one year – 1% (B) Greater than or equal to one year – Nil *Units shall not be under lock-in period. |
SBI Retirement Benefit Fund - Aggressive Plan vs UTI Retirement: 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 Plan (Direct) | −1.40% | −4.07% | +0.07% | −5.24% | +8.29% | +9.65% | -- |
| UTI Retirement Fund (Direct) | −0.57% | −3.07% | −0.47% | −1.80% | +8.43% | +8.14% | +8.70% |
SBI Retirement Benefit Fund - Aggressive Plan vs UTI Retirement: Year-wise Returns
| Year | SBI Retirement Benefit Fund - Aggressive PlanSBI Retirement Benefit Fund - Aggressive Plan | UTI RetirementUTI Retirement |
|---|---|---|
| 2026to date | −4.92% | −2.98% |
| 2025 | +6.18% | +6.70% |
| 2024 | +11.72% | +15.22% |
| 2023 | +28.29% | +17.44% |
| 2022 | +9.22% | +6.03% |
| 2021 | -- | +19.32% |
SBI Retirement Benefit Fund - Aggressive Plan vs UTI Retirement: Rolling Returns
Every holding period of both funds, against BSE 500 TRI, the benchmark of SBI Retirement Benefit Fund - Aggressive Plan
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 Plan (Direct)
UTI Retirement Fund (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 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% |
| UTI Retirement | 0.0 | 0.0 | 9.8 | 87.3 | 2.9 | 0.0 | 0.0 | 12.5% | 12.8% | 7.8% | 15.5% | 1% |
| 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 Retirement Benefit Fund - Aggressive Plan vs UTI Retirement: 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 PlanSBI Retirement Benefit Fund - Aggressive Plan (Direct) | ₹6,90,000 | ₹8,89,149 | ₹1,99,149 | 8.7% |
| UTI RetirementUTI Retirement Fund (Direct) | ₹6,90,000 | ₹8,61,850 | ₹1,71,850 | 7.7% |
SBI Retirement Benefit Fund - Aggressive PlanSBI Retirement Benefit Fund - Aggressive Plan (Direct)
UTI RetirementUTI Retirement Fund (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 Plan vs UTI Retirement: 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 Plan (Direct) | UTI Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | −5.24% | −1.80% |
| Standard deviation | 14.39% | 5.94% |
| Sharpe ratio | -0.73 | -1.19 |
| Sortino ratio | -0.99 | -1.59 |
| Maximum drawdown | −14.9% (31-03-2026) | −6.3% (30-03-2026) |
| Beta | 0.98 | -- |
| Alpha | +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 Retirement Benefit Fund - Aggressive Plan (Direct) | UTI Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.29% | +8.43% |
| Standard deviation | 13.06% | 5.75% |
| Sharpe ratio | 0.17 | 0.42 |
| Sortino ratio | 0.24 | 0.57 |
| Maximum drawdown | −17.9% (07-04-2025) | −6.3% (30-03-2026) |
| Beta | 0.89 | -- |
| Alpha | −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 Retirement Benefit Fund - Aggressive Plan (Direct) | UTI Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | +9.65% | +8.14% |
| Standard deviation | 13.05% | 5.74% |
| Sharpe ratio | 0.29 | 0.41 |
| Sortino ratio | 0.40 | 0.55 |
| Maximum drawdown | −17.9% (07-04-2025) | −6.3% (30-03-2026) |
| Beta | 0.87 | -- |
| Alpha | +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 Retirement Benefit Fund - Aggressive Plan (Direct) | UTI Retirement Fund (Direct) |
|---|---|---|
| Return (CAGR) | +13.31% | +8.10% |
| Standard deviation | 12.93% | 7.35% |
| Sharpe ratio | 0.61 | 0.28 |
| Sortino ratio | 0.83 | 0.34 |
| Maximum drawdown | −17.9% (07-04-2025) | −18.9% (23-03-2020) |
| Beta | 0.86 | -- |
| Alpha | +2.90% | -- |
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 Plan (Direct)
UTI Retirement Fund (Direct)
BSE 500 TRI
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| SBI Retirement Benefit Fund - Aggressive Plan (Direct) | −17.9% | 26-09-2024 | 07-04-2025 | Not yet | -- | −8.0% |
| UTI Retirement Fund (Direct) | −6.3% | 02-01-2026 | 30-03-2026 | 03-08-2026 | 4 months | −3.9% |
| 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 Retirement Benefit Fund - Aggressive Plan (Direct)
UTI Retirement Fund (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 Retirement Benefit Fund - Aggressive Plan (Direct)
UTI Retirement Fund (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 Retirement Benefit Fund - Aggressive Plan (Direct)
UTI Retirement Fund (Direct)
BSE 500 TRI
Against BSE 500 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| SBI Retirement Benefit Fund - Aggressive Plan (Direct) | 96% | 80% | 4.32% |
| UTI Retirement Fund (Direct) | 55% | 33% | 8.53% |
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 Retirement Benefit Fund - Aggressive Plan vs UTI Retirement: Portfolio Overlap
From each fund's latest monthly portfolio: SBI Retirement Benefit Fund - Aggressive Plan, September 2026; UTI Retirement Fund, September 2026
Holdings in common
- Overlap
- 9.5%
- Held by both
- 5
- Only in SBI Retirement Benefit Fund - Aggressive Plan
- 51
- Only in UTI Retirement
- 115
| Security | % of SBI Retirement Benefit Fund - Aggressive Plan | % of UTI Retirement |
|---|---|---|
| HDFC Bank Ltd. | 6.13% | 3.19% |
| ICICI Bank Ltd. | 5.63% | 2.96% |
| Larsen & Toubro Ltd. | 3.86% | 1.53% |
| State Bank of India | 3.61% | 1.33% |
| Interglobe Aviation Ltd. | 1.11% | 0.53% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 9.5% means 9.5% 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 Plan
| Security | % of fund |
|---|---|
| Maruti Suzuki India Ltd. | 2.95% |
| Kotak Mahindra Bank Ltd. | 2.67% |
| Ultratech Cement Ltd. | 2.58% |
| Urban Company Ltd. | 2.39% |
| JSW Infrastructure Ltd. | 2.32% |
Largest holdings only in UTI Retirement Fund
| Security | % of fund |
|---|---|
| 07.18% GSEC MAT -24/07/2037 | 6.20% |
| 07.32% GSEC MAT -13/11/2030 | 3.11% |
| 7.24% GSEC MAT- 18/08/2055 | 3.11% |
| EQ - RELIANCE INDUSTRIES LTD. | 2.12% |
| CP EXPORT IMPORT BANK OF INDIA | 2.12% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | SBI Retirement Benefit Fund - Aggressive Plan | UTI Retirement |
|---|---|---|
| Equity | 95.3% | 36.7% |
| Debt | 0.2% | 45.3% |
| Cash and others | 4.5% | 18.1% |
Market cap of stocks
| Market cap | SBI Retirement Benefit Fund - Aggressive Plan | UTI Retirement |
|---|---|---|
| Large Cap | 46.3% | 24.3% |
| Mid Cap | 23.9% | 6.1% |
| Small Cap | 23.4% | 6.2% |
| Not on AMFI's list | 1.8% | 0.1% |
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 Plan | UTI Retirement |
|---|---|---|
| Banks | 18.0% | 8.1% |
| Pharmaceuticals & Biotechnology | 7.2% | 2.6% |
| Automobiles | 7.0% | 1.5% |
| Retailing | 6.2% | 0.6% |
| Realty | 5.3% | 0.4% |
| Auto Components | 5.0% | 0.0% |
| Finance | 4.6% | 1.6% |
| Construction | 3.9% | 1.9% |
| IT - Software | 3.8% | 3.1% |
| Petroleum Products | 0.0% | 2.1% |
The six largest sectors of each fund's stocks, % of the fund.
SBI Retirement Benefit Fund - Aggressive Plan vs UTI Retirement: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | SBI Retirement Benefit Fund - Aggressive Plan | UTI Retirement Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.14% | 1.16% |
| Base expense ratio (Direct) | 0.85% | 0.94% |
| Total expense ratio (Regular) | 2.10% | 1.63% |
| Base expense ratio (Regular) | 1.68% | 1.36% |
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 Plan vs UTI Retirement Fund: Frequently Asked Questions
What is the difference between SBI Retirement Benefit Fund - Aggressive Plan and UTI Retirement Fund?
SBI Retirement Benefit Fund - Aggressive Plan is a Solution fund, UTI Retirement Fund is a Solution fund, run by SBI Mutual Fund and UTI Mutual Fund. Their portfolios overlap 9.5%. SBI Retirement Benefit Fund - Aggressive Plan charges 1.14% a year and UTI Retirement Fund 1.16%.
Which has given higher returns, SBI Retirement Benefit Fund - Aggressive Plan or UTI Retirement Fund?
Over 1 year: SBI Retirement Benefit Fund - Aggressive Plan −5.24%, UTI Retirement Fund −1.80%. Over 3 years: SBI Retirement Benefit Fund - Aggressive Plan +8.29% a year, UTI Retirement Fund +8.43% a year. Over 5 years: SBI Retirement Benefit Fund - Aggressive Plan +9.65% a year, UTI Retirement Fund +8.14% 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 Plan or UTI Retirement Fund?
SBI Retirement Benefit Fund - Aggressive Plan charges less: 1.14% a year against 1.16%. These are the Direct plans' total expense ratios reported to AMFI.
How much do SBI Retirement Benefit Fund - Aggressive Plan and UTI Retirement Fund overlap?
9.5%. They hold 5 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 Plan or UTI Retirement Fund?
On SEBI's riskometer, SBI Retirement Benefit Fund - Aggressive Plan is rated Very High and UTI Retirement Fund High. Over 3 years, the standard deviation of daily returns was 13.06% and 5.75% a year.
Which is better for SIP, SBI Retirement Benefit Fund - Aggressive Plan or UTI Retirement Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,36,576 in SBI Retirement Benefit Fund - Aggressive Plan (XIRR 7.4% a year) and ₹7,30,976 in UTI Retirement Fund (XIRR 7.1% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both SBI Retirement Benefit Fund - Aggressive Plan and UTI Retirement Fund?
Yes. 9.5% of each fund's money sits in the same holdings, so the two hold mostly different investments.
Who manages SBI Retirement Benefit Fund - Aggressive Plan and UTI Retirement Fund?
SBI Retirement Benefit Fund - Aggressive Plan: Ardhendu Bhattacharya, Rohit Shimpi. UTI Retirement Fund: Anurag Mittal FM 1, V Srivatsa FM 2, Not Applicable FM 3.
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.