March 23, 2026
RA Jainee
SBI Retirement Benefit Fund-Aggressive Plan
| Fund at a Glance | |
| NAV Growth (Rs.) | 19.28 |
| NAV Bonus (Rs.) | — |
| NAV IDCW (Rs.) | 19.27 |
| Min. Investment (Rs.) | 5,000 |
| Min. SIP Investment (Rs.) | 500 |
| Min. No of Cheques | 12 |
| Benchmark | BSE 500 TRI |
| AUM Rs. | 3,078 Cr |
| (As on 28-Feb-2026) | |
| Expense | 0.86% |
| 1 Year Return (%) | -0.14 |
| 3 Year Return (%) | 11.57 |
| 5 Year Return (%) | 14.31 |
| 10 Year Return (%) | — |
| Return Since Launch | 13.73% |
⚖️ Sahifund Review – SBI Retirement Benefit Fund-Aggressive Plan ✔
PLUS: Stability, track record, cost efficiency
• Designed as a retirement-focused solution with disciplined long-term allocation across asset classes
• Consistent medium-term performance with ~11.57% (3Y) and ~14.31% (5Y) returns, suitable for wealth compounding
• Lower expense ratio (0.86%) compared to many actively managed funds enhances long-term returns
• Well-diversified portfolio (52 stocks) reducing concentration risk
• Lock-in feature enforces investment discipline — ideal for retirement planning and SIP investing
MINUS: Large AUM, large-cap bias, momentum lag
• Recent performance (-0.14% 1Y) indicates clear underperformance vs benchmark and flexi-cap peers
• Portfolio tilted towards large-cap stocks (~62%), limiting aggressive alpha generation
• Momentum lag compared to top-performing flexi-cap funds like Parag Parikh & HDFC Flexi Cap
• Lock-in period (5 years) reduces liquidity and flexibility for investors
• Average category ranking across timeframes reflects inconsistent competitive positioning
Sahifund View (Decisive Line):
A disciplined retirement-oriented fund best suited for long-term SIP investors, but returns may lag top flexi-cap funds in bullish market phases.
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| NFO Guidance |
What lies ahead? Below we decode returns consistency, portfolio concentration, peer positioning and risk profile in detail.
Suitable For Which Investors?
Flexi-cap funds are suitable for investors:
1. Seeking exposure in a diversified set of stocks for high returns
2. Aiming for long-term wealth creation
3. With a 5+ year investment horizon
4. Who are at ease with the market’s ups and downs
Note:
• Invest only through SIP
• The fund carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier
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 (Rs.) | 5,000 |
| Min. Addl Investment (Rs.) | 1,000 |
| Min. SIP Investment (Rs.) | 500 |
| Min. Withdrawal (Rs.) | 500 |
| Min. No of Cheques | 12 |
| Min. Balance (Rs.) | 500 |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of SBI Retirement Benefit Fund-Aggressive Plan
| Fund House | SBI Mutual Fund |
| Launch Date | 10-Feb-21 |
| Return Since Launch | 13.73% |
| Benchmark | BSE 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets Rs. | 3,078 Cr |
| (As on 28-Feb-2026) | |
| Expense | 0.86% |
| (As on 28-Feb-2026) | |
| Risk Grade | Below Average |
| Return Grade | Average |
| Turnover | — |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| SBI Retirement Benefit Aggressive Dir | -11.34 | -3.19 | -9.11 | -11.09 | -10.99 | -0.14 | 11.57 | 14.31 | — | — |
| BSE 500 TRI | -11.09 | -3.13 | -8.93 | -10.38 | -9.57 | 2.31 | 14.45 | 12.47 | — | — |
| Equity: Flexi Cap | -10.08 | -3.04 | -8.46 | -9.74 | -9.74 | 2.68 | 15.49 | 13.07 | — | — |
| Rank within category | 96 | 89 | 89 | 98 | 85 | 80 | 66 | 17 | — | — |
| Number of funds in category | 115 | 119 | 117 | 114 | 108 | 97 | 74 | 58 | 45 | 36 |
Peer Comparison of SBI Retirement Benefit Fund-Aggressive 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 Dir | 3 star | -0.14 | 11.57 | 14.31 | 0.86 | 3,078 | 13.73 | — | 5Y 1M | — |
| Parag Parikh Flexi Cap Dir | 5 star | 3.47 | 18.37 | 16.86 | 0.63 | 1,34,253 | 18.45 | 2.00 (365) | 12Y 9M | 15.37 |
| HDFC Flexi Cap Dir | 5 star | 4.70 | 19.67 | 19.05 | 0.70 | 1,00,455 | 15.76 | 1.00 (365) | 13Y 2M | 9.45 |
| SBI Focused Dir | 4 star | 10.31 | 18.05 | 14.44 | 0.73 | 43,311 | 15.04 | 0.25 (30) | 13Y 2M | 33.00 |
| HDFC Focused Dir | 5 star | 4.18 | 19.64 | 20.84 | 0.63 | 27,136 | 14.68 | 1.00 (365) | 13Y 2M | 10.36 |
Portfolio Analysis of SBI Retirement Benefit Fund-Aggressive Plan
| No. of Stocks | 52 |
| Top 10 Stocks | 43.49% |
| Top 5 Stocks | 27.95% |
| Top 3 Sectors | 61.79% |
| Portfolio P/B Ratio | 3.86 |
| Portfolio P/E Ratio | 28.83 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,85,276 | 1,80,281 |
| Giant (%) | — | — |
| Large (%) | 61.89 | 62.49 |
| Mid (%) | 19.30 | 21.89 |
| Small (%) | 18.81 | 15.99 |
| Tiny (%) | — | — |
Disclaimer: Mutual fund investments are subject to market risks. Read all scheme related documents carefully
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