SBI Retirement Benefit Fund - Aggressive Plan Direct Growth
HybridRetirementVery High Risk
Direct
NAV (18-Jun-25)
Returns (Since Inception)
Fund Overview
Fund Size
₹2,894 Cr
Expense Ratio
0.86%
ISIN
INF200KA1S55
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
17 Feb 2021
About this fund
As of 18-Jun-25, it has a Net Asset Value (NAV) of ₹20.99, Assets Under Management (AUM) of 2893.95 Crores, and an expense ratio of 0.86%.
- SBI Retirement Benefit Fund - Aggressive Plan Direct Growth has given a CAGR return of 18.28% since inception.
- The fund's asset allocation comprises around 97.79% in equities, 0.39% in debts, and 1.82% 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
-0.38%
— (Cat Avg.)
3 Years
+21.24%
— (Cat Avg.)
Since Inception
+18.28%
— (Cat Avg.)
Portfolio Summaryas of 31st May 2025
| Equity | ₹2,829.85 Cr | 97.79% |
| Debt | ₹11.4 Cr | 0.39% |
| Others | ₹52.7 Cr | 1.82% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| HDFC Bank Ltd | Equity | ₹257.87 Cr | 8.91% |
| ICICI Bank Ltd | Equity | ₹188.86 Cr | 6.53% |
| Reliance Industries Ltd | Equity | ₹174.91 Cr | 6.04% |
| Infosys Ltd | Equity | ₹121.42 Cr | 4.20% |
| Larsen & Toubro Ltd | Equity | ₹115.73 Cr | 4.00% |
| Maruti Suzuki India Ltd | Equity | ₹111.24 Cr | 3.84% |
| State Bank of India | Equity | ₹93.64 Cr | 3.24% |
| Tata Consultancy Services Ltd | Equity | ₹85.2 Cr | 2.94% |
| Kotak Mahindra Bank Ltd | Equity | ₹81.33 Cr | 2.81% |
| UltraTech Cement Ltd | Equity | ₹81.05 Cr | 2.80% |
| Axis Bank Ltd | Equity | ₹79.28 Cr | 2.74% |
| Divi's Laboratories Ltd | Equity | ₹78.02 Cr | 2.70% |
| Treps | Cash - Repurchase Agreement | ₹67.16 Cr | 2.32% |
| Jubilant Foodworks Ltd | Equity | ₹62.28 Cr | 2.15% |
| HDFC Life Insurance Co Ltd | Equity | ₹62.15 Cr | 2.15% |
| Schaeffler India Ltd | Equity | ₹61.99 Cr | 2.14% |
| Endurance Technologies Ltd | Equity | ₹61.04 Cr | 2.11% |
| Abbott India Ltd | Equity | ₹60 Cr | 2.07% |
| Timken India Ltd | Equity | ₹59.68 Cr | 2.06% |
| Kajaria Ceramics Ltd | Equity | ₹57.19 Cr | 1.98% |
| Hindalco Industries Ltd | Equity | ₹53.53 Cr | 1.85% |
| ZF Commercial Vehicle Control Systems India Ltd | Equity | ₹49.38 Cr | 1.71% |
| L&T Technology Services Ltd | Equity | ₹48.48 Cr | 1.68% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹48.48 Cr | 1.68% |
| Power Grid Corp Of India Ltd | Equity | ₹47.81 Cr | 1.65% |
| TVS Motor Co Ltd | Equity | ₹43.66 Cr | 1.51% |
| Grindwell Norton Ltd | Equity | ₹40.89 Cr | 1.41% |
| Honeywell Automation India Ltd | Equity | ₹39.69 Cr | 1.37% |
| LTIMindtree Ltd | Equity | ₹37 Cr | 1.28% |
| Balrampur Chini Mills Ltd | Equity | ₹36.89 Cr | 1.27% |
| DLF Ltd | Equity | ₹36.7 Cr | 1.27% |
| Page Industries Ltd | Equity | ₹36.55 Cr | 1.26% |
| Sona BLW Precision Forgings Ltd | Equity | ₹35.23 Cr | 1.22% |
| ICICI Lombard General Insurance Co Ltd | Equity | ₹32.82 Cr | 1.13% |
| Navin Fluorine International Ltd | Equity | ₹31.11 Cr | 1.07% |
| ABB India Ltd | Equity | ₹31.01 Cr | 1.07% |
| FSN E-Commerce Ventures Ltd | Equity | ₹30.94 Cr | 1.07% |
| Dr. Lal PathLabs Ltd | Equity | ₹30.65 Cr | 1.06% |
| Esab India Ltd | Equity | ₹30.59 Cr | 1.06% |
| HDFC Asset Management Co Ltd | Equity | ₹29.65 Cr | 1.02% |
| Thermax Ltd | Equity | ₹27.78 Cr | 0.96% |
| Chalet Hotels Ltd | Equity | ₹26.29 Cr | 0.91% |
| Pitti Engineering Ltd | Equity | ₹24.82 Cr | 0.86% |
| AIA Engineering Ltd | Equity | ₹21.87 Cr | 0.76% |
| Carborundum Universal Ltd | Equity | ₹20.83 Cr | 0.72% |
| Nuvoco Vista Corp Ltd | Equity | ₹17.36 Cr | 0.60% |
| Hawkins Cookers Ltd | Equity | ₹15.23 Cr | 0.53% |
| Net Receivable / Payable | Cash - Collateral | ₹-14.46 Cr | 0.50% |
| TeamLease Services Ltd | Equity | ₹11.73 Cr | 0.41% |
| Housing And Urban Development Corporation Limited | Bond - Corporate Bond | ₹5.33 Cr | 0.18% |
| Bajaj Housing Finance Limited | Bond - Corporate Bond | ₹5.04 Cr | 0.17% |
| 7.59% Govt Stock 2031 | Bond - Gov't/Treasury | ₹1.02 Cr | 0.04% |
Allocation By Market Cap (Equity)
Large Cap Stocks
63.20%
Mid Cap Stocks
18.95%
Small Cap Stocks
15.64%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹874.09 Cr | 30.20% |
| Consumer Cyclical | ₹533.82 Cr | 18.45% |
| Industrials | ₹481.82 Cr | 16.65% |
| Technology | ₹292.1 Cr | 10.09% |
| Basic Materials | ₹183.04 Cr | 6.33% |
| Energy | ₹174.91 Cr | 6.04% |
| Healthcare | ₹168.67 Cr | 5.83% |
| Utilities | ₹47.81 Cr | 1.65% |
| Consumer Defensive | ₹36.89 Cr | 1.27% |
| Real Estate | ₹36.7 Cr | 1.27% |
Risk & Performance Ratios
Standard Deviation
This fund
13.06%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.84
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Rohit Shimpi
Since October 2021
Ardhendu Bhattacharya
Since June 2021
Additional Scheme Detailsas of 31st May 2025
ISIN | INF200KA1S55 | Expense Ratio | 0.86% | Exit Load | No Charges | Fund Size | ₹2,894 Cr | Age | 4 years 4 months | Lumpsum Minimum | ₹5,000 | Fund Status | Open Ended Investment Company | Benchmark | BSE 500 TR INR |
Investment 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
Capital Gains Taxation:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
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.
Similar Retirement Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Baroda BNP Paribas Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹381.68 Cr | 6.2% |
| Baroda BNP Paribas Retirement Fund Direct Growth Very High Risk | 0.5% | 0.0% | ₹381.68 Cr | 8.3% |
| PGIM India Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹84.45 Cr | 10.3% |
| PGIM India Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹84.45 Cr | 8.6% |
| Bandhan Retirement Fund Regular Growth Very High Risk | 2.3% | 0.0% | ₹180.46 Cr | 4.2% |
| Bandhan Retirement Fund Direct Growth Very High Risk | 0.7% | 0.0% | ₹180.46 Cr | 5.9% |
| Nippon India Retirement Fund - Income Generation Scheme Direct Growth Moderately High risk | 1.0% | 0.0% | ₹156.73 Cr | 8.1% |
| Nippon India Retirement Fund - Income Generation Scheme Regular Growth Moderately High risk | 2.1% | 0.0% | ₹156.73 Cr | 6.9% |
| Nippon India Retirement Fund - Wealth Creation Scheme Regular Growth Very High Risk | 1.9% | 0.0% | ₹3189.62 Cr | 1.5% |
| Nippon India Retirement Fund - Wealth Creation Scheme Direct Growth Very High Risk | 1.0% | 0.0% | ₹3189.62 Cr | 2.5% |
About the AMC
Total AUM
₹11,01,967 Cr
Address
C-38 & 39, G Block, Bandra Kurla Complex, Mumbai, 400 051
Other Funds by SBI Mutual Fund
Risk Level
Your principal amount will be at Very High Risk
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Who manages the SBI Retirement Benefit Fund - Aggressive Plan Direct Growth?
- Rohit Shimpi
- Ardhendu Bhattacharya
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
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