December 22, 2025
RA Jainee
SBI Retirement Benefit Fund-Aggressive Hybrid Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 20.4974
NAV IDCW: Rs 20.4996
Suitable For Which Investors?
When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.
Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.
Like for all equity-linked investments, you must invest only through the SIP route.
Fund’s Investment Strategy:
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.
Fund Manager:
1) Rohit Shimpi
Education: Mr. Shimpi is a B. Com., PGDBM (Finance), CFA.
Experience: Prior to joining SBI Mutual Fund, he has worked with CNBC TV18, JP Morgans offshore research centre and HDFC Standard Life Insurance.
2) Ardhendu Bhattacharya
Education: Mr. Bhattacharya is a MBA (Marketing) and Bachelor of Engineering.
Experience: Prior to joining SBI Mutual Fund, he has worked with ICICI Bank and Citibank.
Investment Details
| Min. Investment (₹) | 5,000 |
| Min. Addl Investment (₹) | 1,000 |
| Min. SIP Investment (₹) | 500 |
| Min. Withdrawal (₹) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (₹) | 500 |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of SBI Retirement Benefit Fund-Aggressive Hybrid Plan
| Fund House | SBI Mutual Fund |
| Launch Date | 10-Feb-21 |
| Return Since Launch | 15.92% |
| Benchmark | CRISIL Hybrid 35+65 Aggressive Index |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | ₹1,695 Cr |
| (As on 30-Nov-2025) | |
| Expense | 1.05% |
| (As on 30-Nov-2025) | |
| Risk Grade | Average |
| Return Grade | Below Average |
| Turnover | — |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| SBI Retirement Benefit Aggressive Hybrid Dir | 7.81 | 0.55 | -0.27 | 1.14 | 5.14 | 5.91 | 13.73 | — | — | — |
| VR Aggressive Hybrid TRI | 6.96 | 0.66 | -0.73 | 0.98 | 4.28 | 5.57 | 14.00 | — | — | — |
| Hybrid: Aggressive Hybrid | 6.19 | 0.60 | -0.63 | 0.66 | 4.21 | 4.97 | 15.42 | — | — | — |
| Rank within category | 11 | 27 | 11 | 16 | 11 | 15 | 32 | — | — | — |
| Number of funds in category | 44 | 45 | 45 | 45 | 44 | 44 | 42 | 40 | 34 | 24 |
Peer Comparison of SBI Retirement Benefit Fund-Aggressive Hybrid Plan
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| SBI Retirement Benefit Aggressive Hybrid Dir | 3 star | 5.91 | 13.73 | — | 1.05 | 1,695 | 15.92 | — | 4Y 10M | — |
| ICICI Pru Equity & Debt Dir | 5 star | 12.62 | 19.51 | 22.44 | 0.93 | 49,223 | 17.44 | 1.00 (365) | 12Y 11M | 39.00 |
| DSP Aggressive Hybrid Dir | 4 star | 6.47 | 16.87 | 15.08 | 0.65 | 12,105 | 14.19 | 1.00 (364) | 12Y 11M | 25.00 |
| HDFC Children’s Dir | 4 star | 2.01 | 15.05 | 16.41 | 0.91 | 10,632 | 15.52 | — | 12Y 11M | 15.44 |
| Kotak Aggressive Hybrid Dir | 4 star | 3.28 | 15.91 | 17.17 | 0.47 | 8,462 | 14.17 | 1.00 (365) | 12Y 11M | 54.84 |
Portfolio Analysis of SBI Retirement Benefit Fund-Aggressive Hybrid Plan
| No. of Stocks | 51 |
| Top 10 Holdings | 37.05% |
| Top 5 Stocks | 23.19% |
| Top 3 Sectors | 47.29% |
| Portfolio P/B Ratio | 4.13 |
| Portfolio P/E Ratio | 29.66 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,81,989 | 2,23,678 |
| Giant (%) | 57.38 | 59.26 |
| Large (%) | 4.78 | 15.41 |
| Mid (%) | 32.64 | 19.10 |
| Small (%) | 5.20 | 7.68 |
| Tiny (%) | — | 0.68 |
| Fund | Category | |
| Number of Securities | 60 | 87 |
| Macaulay Duration (yrs) | 1.19 | 4.01 |
| Average Maturity (yrs) | 1.55 | 7.40 |
| Yield to Maturity (%) | 4.68 | 6.70 |
| Avg Credit Rating | GOI/Cash | — |
Chanakya’s Mutual Fund Guidance For SBI Retirement Benefit Fund-Aggressive Hybrid Plan
WILL POST SOON
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
Apply Online: https://online.sbimf.com/login
>> Post your MF questions @ sahifund.com/ask-me/
>> NFO Guidance:
https://sahifund.com/category/nfos/
Quicklinks
- Chanakyanipothi.com
- Staffavailable.com
- BigGaddi.com
- Latest IPO GMP
- Best Stocks to buy today
- Grey Market Premium
- Upcoming IPOs
- Subscription Status