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 | ₹19.44 (as of 2026-10-01) |
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| AUM | ₹3,242 Cr |
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| Expense ratio | 1.66% |
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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 | 9.09% |
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| Sharpe ratio | 0.29 |
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| Standard deviation | 14.72% |
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| Max drawdown | −18.39% |
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| Alpha | -2.24 |
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| Beta | 0.94 |
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Over 5 years, captured 89.6% of Nifty 500's upside and 85.6% of its downside.
Market cap allocation
| Large cap | 51.7% |
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| Mid cap | 25.5% |
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| Small cap | 22.8% |
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Concentration
| Top 5 holdings | 22.5% |
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| Top 10 holdings | 35.0% |
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| Total holdings | 55 |
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Top holdings
- ICICI Bank Ltd. — 5.9%
- HDFC Bank Ltd. — 5.8%
- Larsen & Toubro Limited — 3.9%
- State Bank Of India — 3.8%
- Maruti Suzuki India Ltd. — 3.2%
- TREPS — 2.8%
- AXIS Bank Ltd. — 2.7%
- UltraTech Cement Ltd — 2.5%
- Kotak Mahindra Bank Ltd. — 2.5%
- Urban Company Limited — 2.4%
Top sectors
- Banking & Financial — 22.6%
- Automobile — 12.1%
- Retail — 9.8%
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | −4.9% | Q3 | #7 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 |