SBI Retirement Benefit Fund - Aggressive Plan
NAV
₹22.09
as of 21 Aug 2026
SBI Retirement Benefit Fund - Aggressive Plan is an open-ended Retirement Fund scheme from SBI Mutual Fund managing ₹3,159 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹22.09 as of 21 Aug 2026. The expense ratio is 1% a year. Managed by Ardhendu Bhattacharya. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 1% / yr
- as of 30 Jun 2026
- Fund size
- ₹3,159 crore
- as of 31 Jul 2026
- Exit load
- None
- SIP available
- Yes
- Launched
- 17 Feb 2021
- ISIN
- INF200KA1S55
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from NYVO’s own NAV data.
Rebased to 100data to 20 Aug 2026Benchmark: BSE 500 Index
SBI Retirement Benefit Fund - Aggressive Plan
₹189
+89% on ₹100 over 5.0 yrs
Retirement Fund average
₹163
+63% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 6 months | 2.76% | – | – |
| 1 year | 3.69% | – | – |
| 3 years (CAGR) | 10.76% | – | – |
| 5 years (CAGR) | 13.49% | – | – |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- -4.6%
- Median
- 12.6%
- Best
- 34.2%
49 windows over the last 60 months, stepped monthly; 90% ended positive. Worst window began 1 Oct 2024. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 10.7%
- Median
- 15.0%
- Best
- 23.5%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 3 Apr 2023. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.28
- Sharpe ratio (5Y)
- 0.55
- Sortino ratio (3Y)
- 0.40
- Standard deviation (3Y)
- 14.70%
- Deepest fall (5Y)
- -16.82%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.
Deepest fall
-16.8%
Right now
-2.0% below peak
Where the money actually is
Equity
95.0%
Bonds
0.2%
Cash
4.8%
Whole-portfolio split, as of 31 Jul 2026. The size split below covers only the equity slice of this.
What it owns
58 positions · top 10 = 36.2%
Market-cap mix (equity sleeve)
Large 49.6%Mid 22.8%Small 22.5%Other 5.0%
as of 31 Jul 2026
Holdings by sector
Financial Services(5 in top 10)29.0%
- HDFC Bank Ltd6.28%
- ICICI Bank Ltd5.94%
- State Bank of India3.75%
- Axis Bank Ltd2.59%
- Bajaj Finance Ltd2.58%
Industrials(1 in top 10)17.8%
- Larsen & Toubro Ltd3.93%
Consumer Cyclical(1 in top 10)17.6%
- Maruti Suzuki India Ltd3.41%
Basic Materials(1 in top 10)10.6%
- UltraTech Cement Ltd2.72%
- Healthcare7.1%
Technology(1 in top 10)5.5%
- Infosys Ltd2.55%
- Real Estate3.7%
- Utilities2.5%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 17.9% a year.
Other top holdings
- Treps4.48%
The debt it holds (debt sleeve)
- Yield to maturity
- 5.62% vs category 6.79%
- Modified duration
- 0.91 yrs vs category 5.29 yrs
- Average maturity
- 2.69 yrs vs category 11.63 yrs
- Average coupon
- 8.21%
- Government securities
- 0.0%
Credit quality
- AAA
- 100.0%
Government securities are counted inside AAA by the data provider’s ladder; the sovereign share is listed separately above. Credit quality as of 30 Jun 2026.
Portfolio characteristics as of 31 Jul 2026. Yield to maturity is what the portfolio would return if every holding were held to maturity and paid in full. It is not a forecast of the fund’s return, and it is quoted before expenses.
Money in, money out
- Net flow, 12 months
- +₹146 cr
- Net flow, 3 months
- +₹10 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of SBI Retirement Benefit Fund - Aggressive Plan?
- ₹22.09 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of SBI Retirement Benefit Fund - Aggressive Plan?
- 1% a year for the Direct plan, as of 30 Jun 2026.
- How large is SBI Retirement Benefit Fund - Aggressive Plan?
- ₹3,159 crore under management as of 31 Jul 2026, in the Retirement Fund category.
- How risky is SBI Retirement Benefit Fund - Aggressive Plan?
- Its SEBI Riskometer reading is "Very High Risk". A goal-linked wrapper with a lock-in until retirement or five years.
- What are the 5-year returns of SBI Retirement Benefit Fund - Aggressive Plan?
- 13.49% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.
- What is the worst 3-year return of SBI Retirement Benefit Fund - Aggressive Plan?
- 10.7% a year — the weakest of 25 overlapping 3-year holding periods, beginning 3 Apr 2023. The median was 15.0% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages SBI Retirement Benefit Fund - Aggressive Plan?
- Ardhendu Bhattacharya, managing this fund for 5.2 years.
Where this fund sits
Its shelf, all funds
Rt · Retirement fund →
A goal-linked wrapper with a lock-in until retirement or five years.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund — growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Retirement Fund funds
- HDFC Retirement Savings Fund - Equity Plan₹7,014 crore
- Nippon India Retirement Fund- Wealth Creation Scheme₹3,135 crore
- Tata Retirement Savings Fund-Moderate Plan₹2,218 crore
- Tata Retirement Savings Fund-Progressive Plan₹2,217 crore
- ICICI Prudential Retirement Fund Pure Equity Plan₹2,096 crore
- HDFC Retirement Savings Fund - Hybrid-Equity Plan₹1,630 crore
- SBI Retirement Benefit Fund - Aggressive Hybrid Plan₹1,629 crore
- SBI Retirement Benefit Fund - Conservative Hybrid Plan₹256 crore
Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (BSE 500 Index) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.