SBI Retirement Benefit Fund - Aggressive
Retirement Fund · SBI Funds Management Limited
Among the 106 similar retirement funds we track, this one has grown money at about the average pace. ₹1 lakh invested 5 years ago would be about ₹1.7 lakh today. Investing ₹10,000 every month for the last 5 years would have put in ₹6.1 lakh and grown it to about ₹7.6 lakh. Be warned: in its worst stretch, ₹1 lakh briefly shrank to about ₹82,090. Expect meaningful ups and downs on the way.
New to fund research? Start with the 5-minute guide. The detailed numbers below back all of this up.SBI Retirement Benefit Fund - Aggressive is a retirement fund from SBI Funds Management Limited. It has a track record of about 5.6 years. As of the latest data it carries an RS rating of 75/99 (its recent momentum versus category peers) and a King Score of 50/100 (a long-term quality composite). The current NAV is ₹21.17 (as of 2026-09-16).
Growth of ₹100 - last 5 years
SBI Retirement Benefit Fund - Aggressive returns: last 1, 3, 5 and 10 years
| Period | This fund | Category average |
|---|---|---|
| 1 month | -3.92% | -2.95% |
| 3 months | 1.11% | 0.53% |
| 6 months | 7.62% | 4.58% |
| 1 year | 0.12% | 1.68% |
| 3 years (CAGR) | 7.35% | 9.28% |
| 5 years (CAGR) | 10.66% | 8.86% |
The last 5 years return is 10.66% a year (₹1 lakh → ₹1.7 lakh), and the last 3 years return is 7.35% - behind its category's 9.28% average by 1.9 points. Its trailing one-year return is 0.12%. Trailing returns flatter or disappoint depending on the end date you pick - the year-by-year and rolling-return sections below are a fairer read.
Year-by-year returns
| Year | SBI Retirement Benefit | Benchmark |
|---|---|---|
| 2022 | +9.2% | +3.0% |
| 2023 | +28.3% | +25.8% |
| 2024 | +11.7% | +15.2% |
| 2025 | +6.2% | +6.7% |
| 2026 | -2.7% | -5.8% |
SBI Retirement Benefit Fund - Aggressive beat its benchmark in 3 of the last 5 calendar years. That is a strong hit-rate - most active funds fail to clear their index this often. Consistency against the benchmark matters more than any single great year.
Calendar-year returns show how bumpy the ride really was - an average hides the good years and the ugly ones.
What a monthly SIP in SBI Retirement Benefit Fund - Aggressive would have made
A ₹10,000-a-month SIP, using this fund's actual NAV history. SIP returns (XIRR) differ from lumpsum CAGR because your money goes in gradually, averaging your entry price.
| SIP duration | You invested | It became | XIRR |
|---|---|---|---|
| 3 years | ₹370,000 | ₹391,193 | 3.65% |
| 5 years | ₹610,000 | ₹761,194 | 8.78% |
Over 5 years, ₹610,000 invested in monthly instalments would have grown to about ₹761,194 - an XIRR of 8.78%. Figures are pre-tax and assume you stayed invested throughout.
Risk & drawdowns
| Measure | This fund | Category average |
|---|---|---|
| Worst drawdown (lifetime) | -17.91% | -18.9% |
| Worst drawdown (3Y) | -17.91% | -10.88% |
| Volatility (1Y) | 16.99% | 11.28% |
| Sharpe (3Y) | 0.08 | 0.22 |
| Sortino (3Y) | 0.2 | 0.42 |
| Beta (3Y) | 0.91 | 0.61 |
| Alpha (3Y) | -0.62% | 1.79% |
| Up capture | 88.0% | 66.1% |
| Down capture | 87.3% | 55.59% |
| Bull-market return | 26.8% | 20.14% |
| Bear-market return | -23.1% | -15.38% |
Timing matters more than people admit: the best possible 1-year stretch in SBI Retirement Benefit Fund - Aggressive (starting 2023-06-26) gained 36.4%, while the worst (starting 2024-09-26) lost 6.5%. The worst peak-to-bottom fall SBI Retirement Benefit Fund - Aggressive has ever put investors through is -17.91% - the real test of whether you'd have stayed invested. In falling markets (Nifty below its 200-day average) it has returned about -23.1% annualised, versus 26.8% in rising markets. It has captured roughly 88.0% of its benchmark's up-moves and 87.3% of its down-moves.
How SBI Retirement Benefit Fund - Aggressive behaves when markets fall
When the market is falling (the Nifty below its 200-day average), SBI Retirement Benefit Fund - Aggressive has historically returned about -23.1% annualised, versus roughly 26.8% when the market is rising. Its deepest fall on record is -17.91%. Right now it sits about 5.86% below its all-time high (last hit 2024-09-26). The real question isn't the average year - it's whether you could hold on through the worst one.
How SBI Retirement Benefit Fund - Aggressive ranks in its category
Percentile versus its ~106 category peers - 100th is best-in-class, 50th is average. This is the fairest apples-to-apples read.
Consistency (rolling returns)
| Measure | Value |
|---|---|
| Median 3Y rolling CAGR | 15.58% |
| 3Y windows positive | 100.0% |
| Worst 3Y window | 9.49% |
| 3Y windows beating Nifty 500 | 56.3% |
| Median 5Y rolling CAGR | 13.83% |
Instead of one lucky start date, rolling returns test every start date. Across all 3-year windows in its history, SBI Retirement Benefit Fund - Aggressive returned a median of 15.58% a year, and 100.0% of those windows were positive.
What SBI Retirement Benefit Fund - Aggressive holds
Its latest monthly portfolio disclosure. This is what your money actually owns.
Top holdings
Sector allocation
The top 10 holdings make up 39.9% of the portfolio, across 52 stocks. A higher concentration means the fund's fortunes ride on fewer names.
Portfolio overlap with similar funds
SBI Retirement Benefit Fund - Aggressive shares ICICI Prudential Retirement Fund - Pure Equity (23%), ICICI Prudential Retirement Fund - Hybrid Aggressive (16%), ICICI Prudential Retirement Fund - Hybrid Conservative (5%) of its portfolio with these category peers (overlap = the slice of the two portfolios invested in the same stocks). The lower the overlap, the more genuinely different the portfolios are.
Who manages SBI Retirement Benefit Fund - Aggressive - and how good are they?
SBI Retirement Benefit Fund - Aggressive is managed by Rohit Shimpi and Ardhendu Bhattacharya. Below is each manager's complete track record - every fund they currently run, judged on the same numbers as everything else on this page - so you can see whether this fund is in strong hands or is the outlier in a weak book.
Rohit Shimpi's full record
Rohit Shimpi currently runs 5 funds, across FoF Overseas, Retirement Fund, Sectoral/ Thematic, with about ₹17,685 Cr under management. The book's average King Score is 58.0/100. Their strongest fund by King Score is SBI PSU Fund (71/100); SBI Retirement Benefit Fund - Aggressive ranks #4 of 5 in their book.
Tap any column heading to sort.
| # | Fund | RS | King | 3M | 6M | 1Y | 3Y CAGR | 5Y CAGR | 10Y CAGR | Sharpe | Roll 3Y | Worst fall |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | SBI PSU Fund | 15 | 71 | -4.7% | -3.4% | 5.9% | 19.4% | 22.4% | 13.9% | 0.57 | 10.3% | -47.1% |
| 2 | SBI US Specific Equity Active FoF | 41 | 68 | -2.2% | 9.7% | 21.5% | 25.7% | 16.8% | n/a | 0.95 | 15.7% | -21.8% |
| 3 | SBI Retirement Benefit Fund - Aggressive Hybrid | 89 | 64 | 1.6% | 7.3% | 3.2% | 8.5% | 10.6% | n/a | 0.2 | 14.5% | -14.5% |
| 4 | SBI Retirement Benefit Fund - Aggressive (this page) | 75 | 50 | 1.1% | 7.6% | 0.1% | 7.3% | 10.7% | n/a | 0.08 | 15.6% | -17.9% |
| 5 | SBI ESG Exclusionary Strategy Fund | 21 | 37 | -1.9% | 3.6% | -3.6% | 7.3% | 7.5% | 11.3% | 0.07 | 14.2% | -36.7% |
Ardhendu Bhattacharya's full record
Ardhendu Bhattacharya currently runs 8 funds, across Banking and PSU Fund, Corporate Bond Fund, Floater Fund, FoF Domestic and more, with about ₹28,300 Cr under management. The book's average King Score is 71.6/100. Their strongest fund by King Score is SBI Banking & PSU Fund (83/100); SBI Retirement Benefit Fund - Aggressive ranks #5 of 8 in their book.
Tap any column heading to sort.
| # | Fund | RS | King | 3M | 6M | 1Y | 3Y CAGR | 5Y CAGR | 10Y CAGR | Sharpe | Roll 3Y | Worst fall |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | SBI Banking & PSU Fund | 86 | 83 | 1.4% | 2.8% | 5.3% | 7.2% | 6.1% | 7.1% | 0.59 | 7.9% | -3.2% |
| 2 | SBI Corporate Bond Fund | 82 | 81 | 1.3% | 2.7% | 5.2% | 7.2% | 6.3% | n/a | 0.63 | 6.2% | -2.9% |
| 3 | SBI Floating Rate Debt Fund | 91 | 80 | 1.8% | 3.2% | 6.6% | 7.5% | 6.7% | n/a | 0.97 | 7.2% | -0.6% |
| 4 | SBI Retirement Benefit Fund - Aggressive Hybrid | 89 | 64 | 1.6% | 7.3% | 3.2% | 8.5% | 10.6% | n/a | 0.2 | 14.5% | -14.5% |
| 5 | SBI Retirement Benefit Fund - Aggressive (this page) | 75 | 50 | 1.1% | 7.6% | 0.1% | 7.3% | 10.7% | n/a | 0.08 | 15.6% | -17.9% |
| 6 | SBI Income Plus Arbitrage Active FOF | 54 | n/a | 1.4% | 2.9% | 5.8% | n/a | n/a | n/a | -0.95 | n/a | -0.3% |
| 7 | SBI Dynamic Asset Allocation Active FoF | n/a | n/a | 1.3% | 4.9% | n/a | n/a | n/a | n/a | n/a | n/a | -7.8% |
| 8 | SBI Dynamic Asset Allocation Active FoF | n/a | n/a | 1.3% | 4.9% | n/a | n/a | n/a | n/a | n/a | n/a | -7.8% |
A caveat worth keeping: funds often have co-managers, and results belong to the whole team and process rather than one person. A manager's book tells you about their range and consistency, not a guarantee of skill.
Cost & fund basics
| Detail | Value |
|---|---|
| Expense ratio (Direct) | 0.93% |
| Exit load | ≈1% if redeemed within 1 year (typical) |
| Lock-in | 5 days |
| Minimum investment | ₹5000 |
| Fund size (AUM) | ₹3,000 Cr |
| Age | 5.6 years |
| Plan / Option | Direct · Growth |
| Benchmark | NIFTY500 |
How SBI Retirement Benefit Fund - Aggressive compares to peers
| Fund | RS | King | 3Y CAGR |
|---|---|---|---|
| ICICI Prudential Retirement Fund - Hybrid Conservative | 77 | 84 | 9.6% |
| ICICI Prudential Retirement Fund - Hybrid Aggressive | 85 | 79 | 16.4% |
| ICICI Prudential Retirement Fund - Pure Equity | 81 | 78 | 18.6% |
| Aditya Birla Sun Life Retirement Fund-The 50s | 66 | 76 | 7.9% |
| Union Retirement Fund | 70 | 73 | 11.9% |
| Tata Retirement Savings Fund- Conservative | 79 | 72 | 7.6% |
Overlap warning: funds in the same category often own many of the same stocks - holding several rarely adds the diversification people expect.
What these numbers mean
RS rating (1-99) ranks a fund's recent momentum against its category - higher is stronger right now. King Score (0-100) is a long-term quality composite (returns, consistency, drawdown, risk-adjusted return) versus peers. Max drawdown is the worst peak-to-bottom fall the fund has ever experienced. Rolling returns test every possible start date, so one lucky (or unlucky) entry point can't distort the picture. Every formula behind this page is public - see how we calculate every number.
SBI Retirement Benefit Fund - Aggressive review: the bottom line
Related
Frequently asked questions
Is SBI Retirement Benefit Fund - Aggressive a good mutual fund?
That depends on your goals and risk tolerance - this is descriptive research, not advice. On the numbers, SBI Retirement Benefit Fund - Aggressive scores 50/100 on our King Score and RS 75/99 within its category, has compounded 7.35% a year over three years, and its worst drawdown was -17.91%. Compare those against your needs and the peer table above.
What is the NAV of SBI Retirement Benefit Fund - Aggressive today?
The latest NAV is ₹21.17 (as of 2026-09-16). NAV (net asset value) is the per-unit price of the fund, published every business day by the AMC.
What is the expense ratio of SBI Retirement Benefit Fund - Aggressive?
The Direct-plan expense ratio is 0.93% a year. The Direct plan is cheaper than the Regular plan because it carries no distributor commission - over decades that gap compounds meaningfully.
Who is the fund manager of SBI Retirement Benefit Fund - Aggressive?
SBI Retirement Benefit Fund - Aggressive is managed by Rohit Shimpi; Ardhendu Bhattacharya.
Is SBI Retirement Benefit Fund - Aggressive safe? How risky is it?
No market-linked fund is 'safe' in the fixed-deposit sense - the honest question is how deep its falls get. Its worst historical drawdown was -17.91% - ₹1 lakh briefly becoming about ₹82,090. As a solution fund, its risk profile is typical of that category. Look at the drawdown, volatility and bear-market figures above and ask whether you could stay invested through the bad stretches.
Is SBI Retirement Benefit Fund - Aggressive good for SIP?
We can't tell you what to do, but here is what actually happened: a ₹10,000 monthly SIP over the last 5 years grew ₹6.1 lakh into about ₹7.6 lakh (XIRR 8.78%). SIPs average your entry price, which helps most in funds that swing hard - check the crash-behaviour section above to see how it treats investors in bad markets.
What are the SIP returns of SBI Retirement Benefit Fund - Aggressive?
A ₹10,000/month SIP over 5 years would have grown to about ₹761,194 (an XIRR of 8.78%) on ₹610,000 invested, using the fund's actual NAV history. See the SIP table above for other durations.
How does SBI Retirement Benefit Fund - Aggressive rank among similar funds?
On 3-year returns it sits around the 54th percentile of its category, and its consistency ranks 50th percentile. 100th is best-in-class, 50th is average. See the category-ranking section above.
Is SBI Retirement Benefit Fund - Aggressive tax-efficient / what about capital gains?
As a solution fund, gains follow the rules for its asset class - equity-oriented funds are taxed differently from debt. All returns on this page are pre-tax; your actual post-tax return depends on your holding period and slab. This is descriptive information, not tax advice.
Direct or Regular plan - which is shown here?
All figures on this page are for the Direct-Growth plan (no distributor commission, lower cost). Returns are pre-tax; capital-gains tax depends on your own holding period and slab.
See SBI Retirement Benefit Fund - Aggressive live in the MF Terminal
Everything above is a static snapshot. The terminal is where you actually research it:
- Interactive price chart with EMAs & RSI
- The RS line plotted against its benchmark
- Full holdings, sector mix & portfolio overlap
- Point-in-time backtester & portfolio doctor
- Compare it side-by-side with any peer
- Screen 1,600+ funds on the same metrics
Data: AMFI NAV history, NSE indices, BSE StAR and monthly disclosures. All figures are pre-tax. Descriptive research and education only - nothing here is investment advice or a recommendation to buy, sell or hold any fund. Past performance does not guarantee future returns.