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 | ₹19.98 (as of 2026-08-21) |
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| AUM | ₹1,616 Cr |
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| Expense ratio | 1.77% |
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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 | 11.54% |
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| Sharpe ratio | 0.32 |
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| Standard deviation | 11.93% |
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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 76.6% of Nifty 500's upside and 64.7% of its downside.
Market cap allocation
| Large cap | 52.1% |
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| Mid cap | 23.6% |
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| Small cap | 24.4% |
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Concentration
| Top 5 holdings | 19.4% |
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| Top 10 holdings | 30.4% |
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| Total holdings | 53 |
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Top holdings
- TREPS — 8.1%
- HDFC Bank Ltd. — 5.3%
- ICICI Bank Ltd. — 4.9%
- SBI Gold ETF — 4.5%
- Larsen & Toubro Limited — 3.3%
- State Bank Of India — 3.0%
- Maruti Suzuki India Ltd. — 2.8%
- National Highways Infra Trust — 2.7%
- ALTIUS TELECOM INFRASTRUCTURE TRUST — 2.5%
- CUBE HIGHWAYS TRUST — 2.5%
Top sectors
- Banking & Financial — 19.0%
- Automobile — 8.9%
- Construction — 7.4%
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | 2.9% | Q2 | #3 of 8 |
| 2025 | 7.0% | Q1 (Top) | #2 of 8 |
| 2024 | 10.4% | Q4 (Bottom) | #7 of 8 |
| 2023 | 23.1% | Q2 | #4 of 7 |
| 2022 | 6.5% | Q1 (Top) | #1 of 7 |