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Fund Overview

Fund Size

Fund Size

₹3,162 Cr

Expense Ratio

Expense Ratio

0.88%

ISIN

ISIN

INF200KA1S55

Minimum SIP

Minimum SIP

₹1,000

Exit Load

Exit Load

No Charges

Inception Date

Inception Date

17 Feb 2021

About this fund

SBI Retirement Benefit Fund - Aggressive Plan Direct Growth is a Retirement mutual fund schemes offered by SBI Mutual Fund. This fund has been in existence for 4 years, 11 months and 5 days, having been launched on 17-Feb-21.
As of 21-Jan-26, it has a Net Asset Value (NAV) of ₹20.76, Assets Under Management (AUM) of 3161.99 Crores, and an expense ratio of 0.88%.
  • SBI Retirement Benefit Fund - Aggressive Plan Direct Growth has given a CAGR return of 15.65% since inception.
  • The fund's asset allocation comprises around 96.56% in equities, 1.77% in debts, and 1.65% in cash & cash equivalents.
  • You can start investing in SBI Retirement Benefit Fund - Aggressive Plan Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹5000.

Performance against Category Average

In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.

1 Year

+4.62%

(Cat Avg.)

3 Years

+13.49%

(Cat Avg.)

Since Inception

+15.65%

(Cat Avg.)

Portfolio Summaryas of 31st December 2025

Equity3,053.38 Cr96.56%
Debt55.88 Cr1.77%
Others52.09 Cr1.65%

Top Holdings

All Holdings

Equity

Debt & Others

NameType sortAmount sortHoldings sort
HDFC Bank LtdEquity262.84 Cr8.31%
Reliance Industries LtdEquity193.32 Cr6.11%
ICICI Bank LtdEquity175.42 Cr5.55%
Maruti Suzuki India LtdEquity135.41 Cr4.28%
Larsen & Toubro LtdEquity128.59 Cr4.07%
Infosys LtdEquity115.35 Cr3.65%
State Bank of IndiaEquity113.23 Cr3.58%
Kotak Mahindra Bank LtdEquity86.28 Cr2.73%
UltraTech Cement LtdEquity85.2 Cr2.69%
Axis Bank LtdEquity84.42 Cr2.67%
Urban Co LtdEquity77.22 Cr2.44%
Bajaj Finance LtdEquity70.56 Cr2.23%
Hindalco Industries LtdEquity59.41 Cr1.88%
TVS Motor Co LtdEquity58.4 Cr1.85%
Schaeffler India LtdEquity57.41 Cr1.82%
Timken India LtdEquity57.36 Cr1.81%
ZF Commercial Vehicle Control Systems India LtdEquity54.95 Cr1.74%
TrepsCash - Repurchase Agreement53.4 Cr1.69%
Jubilant Foodworks LtdEquity53.07 Cr1.68%
Asian Paints LtdEquity52.62 Cr1.66%
Bajaj Finserv LtdEquity51 Cr1.61%
Abbott India LtdEquity49.92 Cr1.58%
L&T Technology Services LtdEquity49.53 Cr1.57%
Indian Hotels Co LtdEquity44.33 Cr1.40%
LTIMindtree LtdEquity44.26 Cr1.40%
Divi's Laboratories LtdEquity44.11 Cr1.39%
Navin Fluorine International LtdEquity43.22 Cr1.37%
Endurance Technologies LtdEquity40.4 Cr1.28%
FSN E-Commerce Ventures LtdEquity40.36 Cr1.28%
Pidilite Industries LtdEquity40.02 Cr1.27%
Esab India LtdEquity37.06 Cr1.17%
Berger Paints India LtdEquity36.49 Cr1.15%
Voltas LtdEquity36.07 Cr1.14%
HDB Financial Services LtdEquity35.93 Cr1.14%
Grindwell Norton LtdEquity35.6 Cr1.13%
ABB India LtdEquity34.61 Cr1.09%
Honeywell Automation India LtdEquity33.79 Cr1.07%
Oberoi Realty LtdEquity33.05 Cr1.05%
Kajaria Ceramics LtdEquity32.83 Cr1.04%
Torrent Power LtdEquity32.67 Cr1.03%
Dr. Lal PathLabs LtdEquity32.62 Cr1.03%
Godrej Properties LtdEquity32.47 Cr1.03%
Thermax LtdEquity32.04 Cr1.01%
DLF LtdEquity31.62 Cr1.00%
Sona BLW Precision Forgings LtdEquity31.05 Cr0.98%
Page Industries LtdEquity28.4 Cr0.90%
Balrampur Chini Mills LtdEquity27.78 Cr0.88%
AIA Engineering LtdEquity25.12 Cr0.79%
06.95 Tn SDL 2031 07 JulBond - Gov't/Treasury24.83 Cr0.79%
6.48% Govt Stock 2035Bond - Gov't/Treasury24.78 Cr0.78%
Brigade Hotel Ventures LtdEquity24.52 Cr0.78%
Pitti Engineering LtdEquity20.63 Cr0.65%
Carborundum Universal LtdEquity17.97 Cr0.57%
Nuvoco Vista Corp LtdEquity17.26 Cr0.55%
Hawkins Cookers LtdEquity15.59 Cr0.49%
Housing And Urban Development Corporation LimitedBond - Corporate Bond5.25 Cr0.17%
Net Receivable / PayableCash - Collateral-1.31 Cr0.04%
6.52% Govt Stock 2031Bond - Gov't/Treasury1.02 Cr0.03%
Tvs Motor Company LimitedPreferred Stock0.64 Cr0.02%

Allocation By Market Cap (Equity)

Large Cap Stocks

60.44%

Mid Cap Stocks

17.64%

Small Cap Stocks

18.49%

Allocation By Credit Quality (Debt)

AAA

Other Allocation

Equity Sector

Debt & Others

SectorAmount sortHoldings sort
Financial Services879.68 Cr27.82%
Consumer Cyclical619.97 Cr19.61%
Industrials455.61 Cr14.41%
Basic Materials334.22 Cr10.57%
Technology286.36 Cr9.06%
Energy193.32 Cr6.11%
Healthcare126.65 Cr4.01%
Real Estate97.14 Cr3.07%
Utilities32.67 Cr1.03%
Consumer Defensive27.78 Cr0.88%

Risk & Performance Ratios

Standard Deviation

This fund

11.58%

Cat. avg.

--

Lower the better

Sharpe Ratio

This fund

0.71

Cat. avg.

--

Higher the better

Sortino Ratio

This fund

--

Cat. avg.

--

Higher the better

Fund Managers

Rohit Shimpi

Rohit Shimpi

Since October 2021

Ardhendu Bhattacharya

Ardhendu Bhattacharya

Since June 2021

Additional Scheme Detailsas of 31st December 2025

ISIN
INF200KA1S55
Expense Ratio
0.88%
Exit Load
No Charges
Fund Size
₹3,162 Cr
Age
4 years 11 months
Lumpsum Minimum
₹5,000
Fund Status
Open Ended Investment Company
Benchmark
BSE 500 TR INR

Investment ObjectiveInvestment Objective

To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.

Tax Treatment

iconCapital Gains Taxation:

iconDividend Taxation:

info icon

Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.

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1Y
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PGIM India Retirement Fund Direct Growth

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0.7%0.0%₹96.45 Cr3.9%
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Nippon India Retirement Fund - Income Generation Scheme Direct Growth

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Nippon India Retirement Fund - Income Generation Scheme Regular Growth

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Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth

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Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth

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1.0%0.0%₹3194.00 Cr4.5%
ICICI Prudential Retirement Fund Pure Debt Plan Regular Growth

Moderately High risk

2.2%0.0%₹91.00 Cr5.1%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Direct Growth

Very High Risk

0.7%0.0%₹1082.38 Cr14.7%
ICICI Prudential Retirement Fund Pure Equity Plan Direct Growth

Very High Risk

0.7%0.0%₹1642.46 Cr15.3%
ICICI Prudential Retirement Fund Hybrid Aggressive Plan Regular Growth

Very High Risk

2.1%0.0%₹1082.38 Cr13.1%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Direct Growth

Moderately High risk

0.9%0.0%₹90.02 Cr11.4%
ICICI Prudential Retirement Fund Pure Debt Plan Direct Growth

Moderately High risk

1.2%0.0%₹91.00 Cr6.1%
ICICI Prudential Retirement Fund Pure Equity Plan Regular Growth

Very High Risk

2.0%0.0%₹1642.46 Cr13.8%
ICICI Prudential Retirement Fund Hybrid Conservative Plan Regular Growth

Moderately High risk

2.1%0.0%₹90.02 Cr10.0%
Tata Retirement Savings Moderate Fund Direct Growth

Very High Risk

0.6%1.0%₹2165.77 Cr3.2%
Tata Retirement Savings Conservative Fund Direct Growth

Moderately High risk

1.0%1.0%₹172.98 Cr4.9%
Tata Retirement Savings Progressive Fund Direct Growth

Very High Risk

0.5%1.0%₹2107.80 Cr1.3%
Franklin India Pension Plan Direct Growth

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1.5%3.0%₹517.39 Cr5.3%
SBI Retirement Benefit Fund - Aggressive Plan Regular Growth

Very High Risk

1.9%0.0%₹3161.99 Cr3.5%
SBI Retirement Benefit Fund - Aggressive Plan Direct Growth

Very High Risk

0.9%0.0%₹3161.99 Cr4.6%
SBI Retirement Benefit Fund - Conservative Plan Regular Growth

Moderately High risk

1.4%0.0%₹174.34 Cr4.3%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct Growth

Very High Risk

1.1%0.0%₹1696.70 Cr7.5%
SBI Retirement Benefit Fund - Conservative Plan Direct Growth

Moderately High risk

0.9%0.0%₹174.34 Cr4.8%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Regular Growth

Very High Risk

2.1%0.0%₹1696.70 Cr6.4%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth

Very High Risk

1.2%0.0%₹431.14 Cr12.1%
Aditya Birla Sun Life Retirement Fund - The 30s Plan Regular Growth

Very High Risk

2.4%0.0%₹431.14 Cr10.7%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Direct Growth

Moderate Risk

0.8%0.0%₹16.75 Cr5.5%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth

Very High Risk

1.0%0.0%₹115.62 Cr8.1%
Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth

Very High Risk

2.4%0.0%₹115.62 Cr6.6%
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Regular Growth

Moderate Risk

2.1%0.0%₹16.75 Cr4.4%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct Growth

Moderate Risk

0.6%0.0%₹26.49 Cr7.6%
Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth

Moderate Risk

1.9%0.0%₹26.49 Cr6.1%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Regular Growth

Moderately High risk

1.7%0.0%₹284.45 Cr4.0%
SBI Retirement Benefit Fund - Conservative Hybrid Plan Direct Growth

Moderately High risk

1.2%0.0%₹284.45 Cr4.5%
Union Retirement Fund Regular Growth

Very High Risk

2.4%0.0%₹191.83 Cr7.4%
Union Retirement Fund Direct Growth

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1.1%0.0%₹191.83 Cr8.7%
Franklin India Pension Plan Regular Growth

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Axis Retirement Savings Fund - Conservative Plan Regular Growth

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Axis Retirement Savings Fund - Dynamic Plan Regular Growth

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2.4%0.0%₹306.43 Cr1.1%
Axis Retirement Savings Fund - Aggressive Plan Direct Growth

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1.1%0.0%₹755.92 Cr5.0%
Axis Retirement Savings Fund - Conservative Plan Direct Growth

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1.2%0.0%₹53.22 Cr5.5%
Axis Retirement Savings Fund - Aggressive Plan Regular Growth

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2.3%0.0%₹755.92 Cr3.7%
Tata Retirement Savings Progressive Fund Regular Growth

Very High Risk

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Tata Retirement Savings Conservative Fund Regular Growth

Moderately High risk

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Tata Retirement Savings Moderate Fund Regular Growth

Very High Risk

2.0%1.0%₹2165.77 Cr1.7%

About the AMC

SBI Mutual Fund

SBI Mutual Fund

Total AUM

₹12,78,474 Cr

Address

C-38 & 39, G Block, Bandra Kurla Complex, Mumbai, 400 051

Other Funds by SBI Mutual Fund

Fund nameExpense RatioExit LoadFund size
1Y
Magnum Hybrid Long Short Fund Direct Growth

Low to Moderate Risk

-0.0%₹2118.93 Cr-
SBI Dynamic Asset Allocation Active FoF Direct Growth

High Risk

0.3%1.0%₹2323.26 Cr-
SBI Nifty100 Low Volatility 30 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹68.06 Cr-
SBI Nifty200 Momentum 30 Index Fund Direct Growth

Very High Risk

0.4%0.0%₹110.17 Cr-
SBI NIFTY 200 Quality 30 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹308.88 Cr-
SBI Income Plus Arbitrage Active FOF Direct Growth

Low to Moderate Risk

0.1%0.0%₹2209.46 Cr-
SBI BSE PSU Bank Index Fund Direct Growth

Very High Risk

0.3%0.0%₹162.36 Cr-
SBI Nifty IT Index Fund Direct Growth

Very High Risk

0.3%0.0%₹76.34 Cr-
SBI Nifty Bank Index Fund Direct Growth

Very High Risk

0.2%0.0%₹141.59 Cr-
SBI Quant Fund Direct Growth

Very High Risk

0.8%0.0%₹3629.98 Cr10.0%
SBI Nifty India Consumption Index Fund Direct Growth

Very High Risk

0.4%0.0%₹309.48 Cr8.1%
SBI Nifty 500 Index Fund Direct Growth

Very High Risk

0.3%0.0%₹829.60 Cr7.2%
SBI Innovative Opportunities Fund Direct Growth

Very High Risk

0.9%1.0%₹5977.81 Cr-1.6%
SBI Silver ETF Fund of Fund Direct Growth

Very High Risk

0.3%1.0%₹2763.06 Cr253.0%
SBI Automotive Opportunities Fund Direct Growth

Very High Risk

0.8%1.0%₹5382.56 Cr19.5%
SBI Energy Opportunities Fund Direct Growth

Very High Risk

0.8%1.0%₹9128.58 Cr3.8%
SBI Fixed Maturity Plan Series 92 91 Days Direct Growth

Moderate Risk

-0.0%--
SBI Nifty50 Equal Weight Index Fund Direct Growth

Very High Risk

0.5%0.0%₹1028.04 Cr12.8%
SBI Fixed Maturity Plan (FMP) - Series 91 (90 Days) Direct Growth

Moderately High risk

-0.0%--
SBI Debt Fund Series C 24 Direct Growth

Low to Moderate Risk

-0.0%-4.4%
SBI Fixed Maturity Plan (FMP) - Series 47 (1434 Days) Direct Growth

Low Risk

-0.0%₹144.26 Cr7.0%
SBI Fixed Maturity Plan Series 41 1498 Days Direct Growth

Low Risk

-0.0%₹915.41 Cr7.0%
SBI Long Term Advantage Fund Series II Direct Growth

Very High Risk

-0.0%₹34.17 Cr6.8%
SBI Debt Fund Series C 25 Direct Growth

Low to Moderate Risk

-0.0%-5.1%
SBI Fixed Maturity Plan (FMP) - Series 60 (1878 Days) Direct Growth

Low to Moderate Risk

-0.0%₹259.25 Cr7.7%
SBI Fixed Maturity Plan (FMP) - Series 74 1243 Days Direct Growth

Low to Moderate Risk

--₹154.11 Cr7.0%
SBI Fixed Maturity Plan Series 78 1170 Days Direct Growth

Low to Moderate Risk

-0.0%₹122.06 Cr7.0%
SBI Fixed Maturity Plan Series 66 1361 Days Direct Growth

Moderate Risk

-0.0%₹662.46 Cr6.8%
SBI Fixed Maturity Plan Series 57 1835 Days Direct Growth

Low to Moderate Risk

--₹269.20 Cr7.6%
SBI Fixed Maturity Plan (FMP) - Series 80 366 Days Direct Growth

Moderate Risk

-0.0%-7.6%
SBI Fixed Maturity Plan Series 1 3668 Days Direct Growth

Moderate Risk

-0.0%₹50.60 Cr8.0%
SBI Fixed Maturity Plan Series 81 1157 Days Direct Growth

Low to Moderate Risk

-0.0%₹399.49 Cr7.1%
SBI Fixed Maturity Plan (FMP) - Series 49 (1823 Days) Direct Growth

Low Risk

-0.0%₹409.76 Cr7.3%
SBI Fixed Maturity Plan (FMP) - Series 75 (366 Days) Direct Growth

Moderate Risk

---7.5%
SBI Fixed Maturity Plan Series 46 1850 Days Direct Growth

Low Risk

-0.0%₹137.34 Cr7.1%
SBI Fixed Maturity Plan Series 53 1839 Days Direct Growth

Low to Moderate Risk

--₹323.34 Cr7.5%
SBI Long Term Advantage Fund Series I Direct Growth

Low Risk

-0.0%₹49.50 Cr17.1%
SBI Fixed Maturity Plan Series 79 1130 Days Direct Growth

Low to Moderate Risk

-0.0%₹79.97 Cr7.0%
SBI Long Term Advantage Fund Series VI Direct Growth

Very High Risk

-0.0%₹270.39 Cr-0.5%
SBI Fixed Maturity Plan Series 76 1221 Days Direct Growth

Low to Moderate Risk

--₹161.44 Cr6.9%
SBI Tax Advantage Fund Series III Direct Growth

Very High Risk

-0.0%₹33.26 Cr32.0%
SBI Fixed Maturity Plan Series 73 1226 Days Direct Growth

Low Risk

--₹196.01 Cr7.0%
SBI Fixed Maturity Plan Series 44 1855 Days Direct Growth

Low Risk

-0.0%₹401.62 Cr7.1%
SBI Fixed Maturity Plan Series 65 367 Days Direct Growth

Low to Moderate Risk

-0.0%--
SBI Fixed Maturity Plan (FMP) - Series 58 (1842 Days) Direct Growth

Low to Moderate Risk

--₹262.74 Cr7.6%
SBI Fixed Maturity Plan (FMP) - Series 50 (1843 Days) Direct Growth

Low to Moderate Risk

--₹127.26 Cr7.4%
SBI Fixed Maturity Plan Series 52 1848 Days Direct Growth

Low to Moderate Risk

--₹143.38 Cr7.4%
SBI Fixed Maturity Plan Series 67 1467 Days Direct Growth

Low Risk

-0.0%₹569.29 Cr7.2%
SBI Fixed Maturity Plan (FMP) - Series 54 (1842 Days) Direct Growth

Low to Moderate Risk

--₹39.40 Cr7.6%
SBI Fixed Maturity Plan Series 6 3668 Days Direct Growth

Moderate Risk

-0.0%₹36.57 Cr7.9%

Risk Level

Your principal amount will be at Very High Risk

Very High Risk

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The NAV of SBI Retirement Benefit Fund - Aggressive Plan Direct Growth, as of 21-Jan-2026, is ₹20.76.
The fund has generated 4.62% over the last 1 year and 13.49% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
The fund's allocation of assets is distributed as 96.56% in equities, 1.77% in bonds, and 1.65% in cash and cash equivalents.
The fund managers responsible for SBI Retirement Benefit Fund - Aggressive Plan Direct Growth are:-
  1. Rohit Shimpi
  2. Ardhendu Bhattacharya
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