TickerKhojSBI Mutual Fund · Solution Oriented · Retirement · Direct plan
SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth
₹20.6764NAV on 31 Oct 2026Expense ratio 1.13%
30 Oct 2025NAV low 18.7 · high 22.22-5.2%
In plain words
Over 3 years it returned +8.4% a year, against +7.4% for its benchmark index.
Its worst fall from a peak in the last 3 years was -17.9%.
On 3-year return it ranks 16 of 26 funds in Retirement.
A monthly SIP over 5 years ended ₹21,834 higher in the direct plan than the regular plan, because of the lower expense ratio.
Past returns, not a promise of future returns or a recommendation.
Returns vs benchmark
| Period | Fund | Benchmark |
|---|---|---|
| 1 month | -1.4% | +1.9% |
| 3 months | -4.5% | -5.1% |
| 6 months | +0.1% | -3.2% |
| 1 year | -4.9% | -10.2% |
| 3 years (yearly) | +8.4% | +7.4% |
| 5 years (yearly) | +9.6% | +6.5% |
| Since start (yearly) | +13.3% | +11.2% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,17,220 | -3.8% |
| 3 years | ₹3,60,000 | ₹3,69,936 | +1.7% |
| 5 years | ₹5,90,000 | ₹7,10,378 | +7.3% |
Top holdings (30 Sept 2026)
Fund size ₹3,066 crore · 56 holdings · 95.3% in equity
| Company | Industry | Weight |
|---|---|---|
| HDFC Bank Ltd. | Banks | 6.13% |
| ICICI Bank Ltd. | Banks | 5.63% |
| Larsen & Toubro Ltd. | Construction | 3.86% |
| State Bank of India | Banks | 3.61% |
| Maruti Suzuki India Ltd. | Automobiles | 2.95% |
| Kotak Mahindra Bank Ltd. | Banks | 2.67% |
| Ultratech Cement Ltd. | Cement & Cement Products | 2.58% |
| Urban Company Ltd. | Retailing | 2.39% |
| JSW Infrastructure Ltd. | Transport Infrastructure | 2.32% |
| Lenskart Solutions Ltd. | Retailing | 2.26% |
| Bajaj Finance Ltd. | Finance | 2.24% |
| TVS Motor Company Ltd. | Automobiles | 2.10% |
| Divi's Laboratories Ltd. | Pharmaceuticals & Biotechnology | 2.09% |
| Anthem Biosciences Ltd. | Pharmaceuticals & Biotechnology | 2.08% |
| Corona Remedies Ltd. | Pharmaceuticals & Biotechnology | 2.07% |
Largest industries: Banks 18.0%, Pharmaceuticals & Biotechnology 7.2%, Automobiles 7.0%, Retailing 6.2%, Realty 5.3%, Auto Components 5.0%.
Other plan of this fund: SBI Retirement Benefit Fund - Aggressive Plan - Regular Plan - Growth