December 23, 2025
RA Jainee
SBI Retirement Benefit Fund-Aggressive Plan details, NAV, Portfolio, Returns, Peer Comparison, Fund Managers & Guidance by sahifund.com
NAV Growth: Rs 21.7976
NAV IDCW: Rs 21.7859
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.
This is a flexi-cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending on where it expects maximum gains. This versatility makes flexi-cap funds most suitable for equity fund investors, as the job of stock selection is left completely to the fund manager, which is the very idea of investing in a mutual fund.
Like for all equity funds, 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 Plan
| Fund House | SBI Mutual Fund |
| Launch Date | 10-Feb-21 |
| Return Since Launch | 17.27% |
| Benchmark | BSE 500 TRI |
| Riskometer | Very High |
| Type | Open-ended |
| Assets | ₹3,157 Cr |
| (As on 30-Nov-2025) | |
| Expense | 0.87% |
| (As on 30-Nov-2025) | |
| Risk Grade | Below Average |
| Return Grade | Below Average |
| Turnover | — |
Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| SBI Retirement Benefit Aggressive Dir | 5.87 | 0.71 | -0.47 | 0.10 | 3.87 | 3.52 | 14.07 | — | — | — |
| BSE 500 TRI | 6.77 | 0.79 | -0.90 | 0.89 | 4.66 | 5.07 | 15.34 | — | — | — |
| Equity: Flexi Cap | 4.35 | 0.83 | -1.11 | 0.04 | 4.15 | 2.51 | 16.88 | — | — | — |
| Rank within category | 42 | 77 | 28 | 60 | 66 | 51 | 60 | — | — | — |
| Number of funds in category | 95 | 114 | 112 | 108 | 101 | 93 | 72 | 55 | 42 | 35 |
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 | 3.52 | 14.07 | — | 0.87 | 3,157 | 17.27 | — | 4Y 10M | — |
| Parag Parikh Flexi Cap Dir | 5 star | 7.35 | 21.94 | 20.99 | 0.63 | 1,29,783 | 19.54 | 2.00 (365) | 12Y 6M | 12.67 |
| HDFC Flexi Cap Dir | 5 star | 10.22 | 21.48 | 24.46 | 0.67 | 94,069 | 16.92 | 1.00 (365) | 12Y 11M | 12.51 |
| SBI Focused Dir | 4 star | 15.65 | 19.18 | 18.06 | 0.75 | 42,773 | 16.13 | 0.25 (30) | 12Y 11M | 37.00 |
| HDFC Focused Dir | 5 star | 10.23 | 21.72 | 25.69 | 0.62 | 26,230 | 15.78 | 1.00 (365) | 12Y 11M | 13.75 |
Portfolio Analysis of SBI Retirement Benefit Fund-Aggressive Plan
| No. of Stocks | 51 |
| Top 10 Stocks | 44.26% |
| Top 5 Stocks | 28.93% |
| Top 3 Sectors | 58.48% |
| Portfolio P/B Ratio | 4.11 |
| Portfolio P/E Ratio | 29.62 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,88,888 | 1,83,488 |
| Giant (%) | 58.04 | 49.57 |
| Large (%) | 5.23 | 21.41 |
| Mid (%) | 31.94 | 23.80 |
| Small (%) | 4.79 | 6.21 |
| Tiny (%) | — | 0.79 |
Chanakya’s Mutual Fund Guidance For SBI Retirement Benefit Fund-Aggressive Plan
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