SBI Retirement Benefit Fund - Aggressive Plan is a mutual fund run by SBI Mutual Fund. On 30-09-2026, it managed ₹3,066 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 8.3% a year and its Regular plan returned 7.1% a year. Its benchmark, BSE 500 TRI, returned 9.9% a year over the same 3 years.
NAV (Direct plan)
₹20.68
▼ 0.15% · 30-10-2026
NAV (Regular plan)
₹19.27
▼ 0.16% · 30-10-2026
Expense ratio
1.14%Direct2.10%Regular
1.14%
A year
Riskometer
Very High
Set by the fund house
3 year return
8.3%Direct7.1%Regular
8.3%
A year
SBI Retirement Benefit Fund - Aggressive Plan NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹20.68 (down 0.15% that day); Regular Plan Growth ₹19.27 (down 0.16% that day).
This fund (Direct plan)
₹20.6769
SBI Retirement Benefit Fund - Aggressive Plan Returns vs BSE 500 TRI
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−1.40%
−4.07%
+0.07%
−5.24%
+8.29%
+9.65%
--
This fund (Regular)
−1.48%
−4.30%
−0.42%
−6.19%
+7.13%
+8.36%
--
BSE 500 TRI
−0.87%
−6.09%
−2.95%
−7.66%
+9.89%
+8.65%
+12.51%
Category average
--
--
--
--
--
--
--
Best in category
--
--
--
--
--
--
--
Worst in category
--
--
--
--
--
--
--
Rank in category
--
--
--
--
--
--
--
No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds.
SBI Retirement Benefit Fund - Aggressive Plan Year-wise Returns
Return of each calendar year
Year
Direct
Regular
BSE 500 TRI
2026to date
−4.92%
−5.71%
−7.81%
2025
+6.18%
+5.07%
+7.63%
2024
+11.72%
+10.45%
+15.81%
2023
+28.29%
+26.72%
+26.55%
2022
+9.22%
+7.75%
+4.77%
SBI Retirement Benefit Fund - Aggressive Plan Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 673 periods, one for each trading day from 19-02-2024 to 30-10-2026.
0%5%10%15%20%25%
SBI Retirement Benefit Fund - Aggressive Plan (Direct)
BSE 500 TRI
May 2021 to May 2024Oct 2021 to Oct 2024Apr 2022 to Apr 2025Sept 2022 to Sept 2025Mar 2023 to Mar 2026Aug 2023 to Aug 2026
SBI Retirement Benefit Fund - Aggressive Plan (Direct)BSE 500 TRI
0%
0%
Below 0%
0%
0%
0-5%
8%
4%
5-10%
41%
31%
10-15%
25%
57%
15-20%
26%
9%
20-25%
0%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
1,165
11.2%
−7.9%
36.9%
12%
8.5%
50%
2 years
917
16.7%
−3.4%
33.8%
5%
15.6%
42%
3 years
673
15.1%
6.9%
24.1%
0%
16.0%
47%
5 years
174
13.4%
8.9%
16.5%
0%
12.2%
100%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
Benchmark median
Beat benchmark
1 year
57
11.8%
−17.6%
42.1%
16%
9.1%
47%
2 years
45
12.0%
−7.8%
33.2%
4%
11.1%
36%
3 years
33
12.8%
0.1%
27.0%
0%
15.2%
18%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. "Beat benchmark" counts the periods in which the fund did better than BSE 500 TRI over the same days. Past returns do not promise future returns.
SBI Retirement Benefit Fund - Aggressive Plan Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
SBI Retirement Benefit Fund - Aggressive Plan (Direct)This fund
BSE 500 TRI
Return (CAGR)
−5.24%
−7.66%
Standard deviation
14.39%
14.32%
Sharpe ratio
-0.73
-0.90
Sortino ratio
-0.99
-1.19
Maximum drawdown
−14.9%
(31-03-2026)
−14.8%
(30-03-2026)
Beta
0.98
1.00
Alpha
+2.15%
0.00%
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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
SBI Retirement Benefit Fund - Aggressive Plan (Direct)This fund
BSE 500 TRI
Return (CAGR)
+8.29%
+9.89%
Standard deviation
13.06%
14.19%
Sharpe ratio
0.17
0.27
Sortino ratio
0.24
0.37
Maximum drawdown
−17.9%
(07-04-2025)
−18.7%
(28-02-2025)
Beta
0.89
1.00
Alpha
−1.16%
0.00%
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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
SBI Retirement Benefit Fund - Aggressive Plan (Direct)This fund
BSE 500 TRI
Return (CAGR)
+9.65%
+8.65%
Standard deviation
13.05%
14.29%
Sharpe ratio
0.29
0.20
Sortino ratio
0.40
0.27
Maximum drawdown
−17.9%
(07-04-2025)
−18.7%
(28-02-2025)
Beta
0.87
1.00
Alpha
+1.35%
0.00%
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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
Measure
SBI Retirement Benefit Fund - Aggressive Plan (Direct)This fund
BSE 500 TRI
Return (CAGR)
+13.31%
+11.19%
Standard deviation
12.93%
14.23%
Sharpe ratio
0.61
0.40
Sortino ratio
0.83
0.54
Maximum drawdown
−17.9%
(07-04-2025)
−18.7%
(28-02-2025)
Beta
0.86
1.00
Alpha
+2.90%
0.00%
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: 1 moves with the benchmark, below 1 moves less. Alpha: return beyond what its beta explains, a year.
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.
−20%−15%−10%−5%0%
SBI Retirement Benefit Fund - Aggressive Plan (Direct)
BSE 500 TRI
20222023202420252026
SBI Retirement Benefit Fund - Aggressive Plan (Direct)BSE 500 TRI
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%
BSE 500 TRI
−18.7%
26-09-2024
28-02-2025
Not yet
--
−9.4%
From the Direct plan's daily NAV since 17-02-2021, adjusted for unit splits, and BSE 500 TRI over the same days. "Time to climb back" runs from the bottom to the first day back at the old high.
SBI Retirement Benefit Fund - Aggressive Plan Expense Ratio and Costs
What each plan charges a year, in force from 21-10-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Direct
0.85%
0.04%
0.00%
0.25%
1.14%
Regular
1.68%
0.04%
0.00%
0.38%
2.10%
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, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
−6.19%
−5.24%
0.95%
₹93,810
₹94,760
3 years
7.13%
8.29%
1.16% a year
₹1,22,951
₹1,26,989
5 years
8.36%
9.65%
1.29% a year
₹1,49,398
₹1,58,505
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
SBI Retirement Benefit Fund - Aggressive Plan SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹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
Direct planSBI Retirement Benefit Fund - Aggressive Plan (Direct)
₹6,90,000
₹8,89,149
₹1,99,149
8.7%
Regular planSBI Retirement Benefit Fund - Aggressive Plan (Regular)
₹6,90,000
₹8,56,608
₹1,66,608
7.5%
BSE 500 TRI
₹6,90,000
₹8,74,749
₹1,84,749
8.2%
₹0₹2.0 L₹4.0 L₹6.0 L₹8.0 L₹10.0 L
Direct planSBI Retirement Benefit Fund - Aggressive Plan (Direct)
Regular planSBI Retirement Benefit Fund - Aggressive Plan (Regular)
BSE 500 TRI
Amount invested
20222023202420252026
Direct planSBI Retirement Benefit Fund - Aggressive Plan (Direct)Regular planSBI Retirement Benefit Fund - Aggressive Plan (Regular)BSE 500 TRIAmount invested
From each plan's published NAV (Growth option), the benchmark's TRI, 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 Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
95.3%Equity
Asset
Fund
Equity
95.3%
Cash and others
4.5%
Debt
0.2%
Market cap of stocks
Market cap
Fund
Large Cap
46.3%
Mid Cap
23.9%
Small Cap
23.4%
Not on AMFI's list
1.8%
Share of the whole fund. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
SBI Retirement Benefit Fund - Aggressive Plan Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Banks18.0%
Pharmaceuticals & Biotechnology7.2%
Automobiles7.0%
Retailing6.2%
Realty5.3%
Auto Components5.0%
Industrial Products4.8%
Finance4.6%
Chemicals & Petrochemicals4.5%
Cement & Cement Products4.3%
The ten largest of 22 sectors. The other 12 add up to 28.2%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Banks
21.0%
20.6%
18.0%
−3.0%
Pharmaceuticals & Biotechnology
4.7%
5.1%
7.2%
+2.5%
Automobiles
5.5%
7.2%
7.0%
+1.4%
Retailing
4.6%
6.1%
6.2%
+1.6%
Realty
3.7%
3.7%
5.3%
+1.6%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
SBI Retirement Benefit Fund - Aggressive Plan Portfolio Holdings
As on 30-09-2026 · 56 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
HDFC Bank Ltd.
Banks
6.13%
0.0%
ICICI Bank Ltd.
Banks
5.63%
0.0%
Larsen & Toubro Ltd.
Construction
3.86%
0.0%
State Bank of India
Banks
3.61%
0.0%
Maruti Suzuki India Ltd.
Automobiles
2.95%
0.0%
Kotak Mahindra Bank Ltd.
Banks
2.67%
0.0%
Ultratech Cement Ltd.
Cement & Cement Products
2.58%
0.0%
Urban Company Ltd.
Retailing
2.39%
0.0%
JSW Infrastructure Ltd.
Transport Infrastructure
2.32%
0.0%
Lenskart Solutions Ltd.
Retailing
2.26%
0.0%
Bajaj Finance Ltd.
Finance
2.24%
0.0%
TVS Motor Company Ltd.
Automobiles
2.10%
0.0%
Divi's Laboratories Ltd.
Pharmaceuticals & Biotechnology
2.09%
0.0%
Anthem Biosciences Ltd.
Pharmaceuticals & Biotechnology
2.08%
0.0%
Corona Remedies Ltd.
Pharmaceuticals & Biotechnology
2.07%
New
Navin Fluorine International Ltd.
Chemicals & Petrochemicals
1.96%
0.0%
Timken India Ltd.
Industrial Products
1.95%
0.0%
Hyundai Motor India Ltd.
Automobiles
1.92%
0.0%
Schaeffler India Ltd.
Auto Components
1.88%
0.0%
Central Depository Services (I) Ltd.
Capital Markets
1.88%
0.0%
Elevate Campuses Ltd.
Realty
1.80%
New
Sona Blw Precision Forgings Ltd.
Auto Components
1.75%
0.0%
JSW Cement Ltd.
Cement & Cement Products
1.75%
0.0%
FSN E-Commerce Ventures Ltd.
Retailing
1.59%
0.0%
Asian Paints Ltd.
Consumer Durables
1.49%
0.0%
ABB India Ltd.
Electrical Equipment
1.48%
0.0%
Grindwell Norton Ltd.
Industrial Products
1.48%
0.0%
Tech Mahindra Ltd.
IT - Software
1.47%
0.0%
The Indian Hotels Company Ltd.
Leisure Services
1.43%
0.0%
ZF Commercial Vehicle Control Systems India Ltd.
Auto Components
1.41%
0.0%
Jubilant Foodworks Ltd.
Leisure Services
1.41%
0.0%
Bajaj Finserv Ltd.
Finance
1.41%
0.0%
Balrampur Chini Mills Ltd.
Agricultural Food & other Products
1.35%
0.0%
Coforge Ltd.
IT - Software
1.34%
0.0%
Pidilite Industries Ltd.
Chemicals & Petrochemicals
1.29%
0.0%
DLF Ltd.
Realty
1.29%
0.0%
Sudeep Pharma Ltd.
Chemicals & Petrochemicals
1.29%
−25.1%
Thermax Ltd.
Electrical Equipment
1.17%
0.0%
Oberoi Realty Ltd.
Realty
1.14%
0.0%
Honeywell Automation India Ltd.
Industrial Manufacturing
1.12%
0.0%
Interglobe Aviation Ltd.
Transport Services
1.11%
0.0%
Godrej Properties Ltd.
Realty
1.09%
0.0%
Torrent Power Ltd.
Power
1.02%
0.0%
Berger Paints India Ltd.
Consumer Durables
1.01%
0.0%
Biocon Ltd.
Pharmaceuticals & Biotechnology
0.97%
0.0%
LTM Ltd.
IT - Software
0.96%
0.0%
HDB Financial Services Ltd.
Finance
0.95%
0.0%
Page Industries Ltd.
Textiles & Apparels
0.94%
0.0%
Pitti Engineering Ltd.
Industrial Manufacturing
0.93%
0.0%
Voltas Ltd.
Consumer Durables
0.92%
0.0%
Carborundum Universal Ltd.
Industrial Products
0.86%
0.0%
Brigade Hotel Ventures Ltd.
Leisure Services
0.68%
0.0%
ESAB India Ltd.
Industrial Products
0.56%
−15.1%
Kajaria Ceramics Ltd.
Consumer Durables
0.26%
−50.2%
Housing and Urban Development Corporation Ltd. · Bond
[ICRA]AAA
0.17%
6.64% CGL 2031 · Government security
Sovereign
0.03%
SBI Retirement Benefit Fund - Aggressive Plan Stocks Bought and Sold
All changes are between August 2026 and September 2026
More
Stocks bought and sold in September 2026
Axis Bank Ltd.
↓Sold out
−100%
was 2.67%
Corona Remedies Ltd.
↑New
New
2.07%
Elevate Campuses Ltd.
↑New
New
1.80%
Sudeep Pharma Ltd.
↓Reduced
−25.1%
1.29%
ICICI Prudential Life Insurance Company Ltd.
↓Sold out
−100%
was 0.89%
ESAB India Ltd.
↓Reduced
−15.1%
0.56%
Kajaria Ceramics Ltd.
↓Reduced
−50.2%
0.26%
No stocks in this group for September 2026.
A change is counted by the number of shares the fund holds, not by price. A stock can become a smaller part of the fund in a month when the fund bought more of it, if its price fell. Debt papers are left out.
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
SBI Retirement Benefit Fund - Aggressive Plan Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
1.14%
Expense ratio (Regular)
2.10%
Category
Solution
Risk
Very High
Benchmark
BSE 500 TRI
Launch date
10-02-2021
Minimum investment
₹5,000
Minimum additional investment
₹1,000
AUM
₹3,066.39 Cr (30-09-2026)
Lock in
5 years, or until retirement if earlier
Scheme code (Direct)
148683
ISIN (Direct)
INF200KA1S55
Scheme code (Regular)
148698
ISIN (Regular)
INF200KA1S30
NAV history
From 17-02-2021, 5.7 years
Exit load
Nil
Tax on SBI Retirement Benefit Fund - Aggressive Plan returns
How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹20.6769
30-10-2026
direct
IDCW
₹20.6659
30-10-2026
regular
Growth
₹19.2719
30-10-2026
regular
IDCW
₹19.2724
30-10-2026
About SBI Retirement Benefit Fund - Aggressive Plan
SBI Retirement Benefit Fund - Aggressive Plan is a mutual fund from SBI Mutual Fund. Its category is Solution. It was launched on 10-02-2021. Its benchmark is BSE 500 TRI. At the end of September 2026 it held 56 securities.
Fund Manager
Ardhendu Bhattacharya
Fund manager of SBI Retirement Benefit Fund - Aggressive Plan, since 30-06-2021
Rohit Shimpi
Fund manager of SBI Retirement Benefit Fund - Aggressive Plan, since 01-10-2021
Frequently Asked Questions for SBI Retirement Benefit Fund - Aggressive Plan
What is the current NAV of SBI Retirement Benefit Fund - Aggressive Plan?
The Direct plan NAV is ₹20.6769. The Regular plan NAV is ₹19.2719, as on 30-10-2026.
What are the returns of SBI Retirement Benefit Fund - Aggressive Plan?
The Direct plan returned −5.24% in 1 year, +8.29% a year over 3 years, +9.65% a year over 5 years. The Regular plan returned −6.19% in 1 year, +7.13% a year over 3 years, +8.36% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of SBI Retirement Benefit Fund - Aggressive Plan?
The Direct plan charges 1.14% a year. The Regular plan charges 2.10% a year. This is the figure the fund house reported to AMFI, in force from 21-10-2026.
What is the AUM of SBI Retirement Benefit Fund - Aggressive Plan?
SBI Retirement Benefit Fund - Aggressive Plan managed ₹3,066.39 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of SBI Retirement Benefit Fund - Aggressive Plan?
At the end of September 2026 the largest holdings were HDFCBANK (6.13%), ICICIBANK (5.63%), LT (3.86%), SBIN (3.61%), MARUTI (2.95%). The fund held 56 securities in all.
What did SBI Retirement Benefit Fund - Aggressive Plan buy and sell in September 2026?
It bought 2 new stocks: Corona Remedies Ltd, Elevate Campuses Ltd. It sold out of 2: Axis Bank Ltd, ICICI Prudential Life Insurance Company Ltd. It reduced 3.
How do I invest in SBI Retirement Benefit Fund - Aggressive Plan?
Through SBI Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹5,000. You can invest once or through a monthly SIP.
Who is the fund manager of SBI Retirement Benefit Fund - Aggressive Plan?
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
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.
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