SBI Retirement Benefit Fund Aggressive
The scheme seeks to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes.
Growthvine rating: 2/5 — ranked #8 of 10 in category.
Fund basics
| Category | Solution: Retirement Equity |
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| NAV | ₹20.62 (as of 2026-08-21) |
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| AUM | ₹3,113 Cr |
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| Expense ratio | 1.67% |
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| Riskometer | Very High |
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| Fund manager | Rohit Shimpi |
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| Exit load | 0 |
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Performance & risk
| 5-year annualised return | 12.03% |
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| Sharpe ratio | 0.24 |
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| Standard deviation | 14.68% |
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| Max drawdown | -18.39% |
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| Alpha | -2.79 |
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| Beta | 0.94 |
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Over 5 years, captured 89.9% of Nifty 500's upside and 84.7% of its downside.
Market cap allocation
| Large cap | 52.2% |
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| Mid cap | 24.0% |
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| Small cap | 23.7% |
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Concentration
| Top 5 holdings | 23.3% |
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| Top 10 holdings | 36.2% |
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| Total holdings | 53 |
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Top holdings
- HDFC Bank Ltd. — 6.3%
- ICICI Bank Ltd. — 5.9%
- TREPS — 4.5%
- Larsen & Toubro Limited — 3.9%
- State Bank Of India — 3.8%
- Maruti Suzuki India Ltd. — 3.4%
- UltraTech Cement Ltd — 2.7%
- AXIS Bank Ltd. — 2.6%
- Bajaj Finance Limited — 2.6%
- Infosys Ltd — 2.5%
Top sectors
- Banking & Financial — 22.9%
- Automobile — 10.5%
- Construction — 8.6%
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | 0.9% | Q3 | #8 of 10 |
| 2025 | 5.1% | Q3 | #6 of 10 |
| 2024 | 10.4% | Q4 (Bottom) | #8 of 8 |
| 2023 | 26.7% | Q3 | #6 of 8 |
| 2022 | 7.8% | Q1 (Top) | #2 of 7 |