SBI Retirement Benefit Fund Aggressive Hybrid
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 #5 of 9 in category.
Fund basics
| Category | Solution: Retirement Hybrid |
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| NAV | ₹18.93 (as of 2026-10-01) |
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| AUM | ₹1,672 Cr |
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| Expense ratio | 1.72% |
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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 | 9.15% |
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| Sharpe ratio | 0.37 |
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| Standard deviation | 11.99% |
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| Max drawdown | −14.87% |
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| Alpha | 0 |
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| Beta | 0 |
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Over 5 years, captured 77.0% of Nifty 500's upside and 66.1% of its downside.
Market cap allocation
| Large cap | 51.5% |
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| Mid cap | 25.3% |
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| Small cap | 23.2% |
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Concentration
| Top 5 holdings | 18.5% |
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| Top 10 holdings | 29.0% |
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| Total holdings | 55 |
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Top holdings
- SBI Gold ETF — 9.2%
- ICICI Bank Ltd. — 4.8%
- HDFC Bank Ltd. — 4.8%
- TREPS — 3.6%
- Larsen & Toubro Limited — 3.3%
- State Bank Of India — 3.0%
- National Highways Infra Trust — 2.7%
- Maruti Suzuki India Ltd. — 2.6%
- ALTIUS TELECOM INFRASTRUCTURE TRUST — 2.5%
- Cube Highways Trust- InvIT Fund — 2.4%
Top sectors
Not disclosed.
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | −2.5% | Q1 (Top) | #3 of 9 |
| 2025 | 7.0% | Q1 (Top) | #2 of 9 |
| 2024 | 10.4% | Q4 (Bottom) | #8 of 9 |
| 2023 | 23.1% | Q2 | #4 of 8 |
| 2022 | 6.5% | Q1 (Top) | #1 of 8 |