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SBI Mutual Fund

SBI Retirement Benefit Fund Aggressive Hybrid Plan - Regular Plan - Growth

Solution Oriented Solution Oriented Retirement
Fund House : SBI Mutual Fund
Overview
Returns
Portfolio
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • SI
NAV (as on 2025-06-23)
18.61 -0.41%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
1.94%
Expense Ratio (Direct)
0.82%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-06-16 ₹1,000.00 ₹995.18
-0.48 %
Two Week 2025-06-09 ₹1,000.00 ₹988.15
-1.19 %
One Month 2025-05-26 ₹1,000.00 ₹1,002.26
0.23 %
Three Months 2025-03-25 ₹3,000.00 ₹3,094.38
3.15 %
Six Months 2024-12-26 ₹6,000.00 ₹6,293.90
4.90 %
One Year 2024-06-24 ₹12,000.00 ₹12,200.19
1.67 %
Three Year 2022-06-24 ₹36,000.00 ₹43,486.32
20.80 %
Since Inception 2021-01-20 ₹54,000.00 ₹72,137.15
33.59 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
HDFC Bank Ltd. Banks Equity 7.23
ICICI Bank Ltd. Banks Equity 5.12
Reliance Industries Ltd. Petroleum Products Equity 4.72
Infosys Ltd. IT - Software Equity 3.46
Larsen & Toubro Ltd. Construction Equity 3.18
Maruti Suzuki India Ltd. Automobiles Equity 3.07
State Bank of India Banks Equity 2.48
Ultratech Cement Ltd. Cement & Cement Products Equity 2.39
Tata Consultancy Services Ltd. IT - Software Equity 2.30
Axis Bank Ltd. Banks Equity 2.22
Kotak Mahindra Bank Ltd. Banks Equity 2.21
Divi's Laboratories Ltd. Pharmaceuticals & Biotechnology Equity 2.12
Abbott India Ltd. Pharmaceuticals & Biotechnology Equity 1.93
Schaeffler India Ltd. Auto Components Equity 1.84
Jubilant Foodworks Ltd. Leisure Services Equity 1.74
Endurance Technologies Ltd. Auto Components Equity 1.72
Timken India Ltd. Industrial Products Equity 1.68
Hindalco Industries Ltd. Non - Ferrous Metals Equity 1.56
Kajaria Ceramics Ltd. Consumer Durables Equity 1.55
HDFC Life Insurance Company Ltd. Insurance Equity 1.49
L&T Technology Services Ltd. IT - Services Equity 1.45
ZF Commercial Vehicle Control Systems India Ltd. Auto Components Equity 1.40
Power Grid Corporation of India Ltd. Power Equity 1.31
TVS Motor Company Ltd. Automobiles Equity 1.24
Cholamandalam Investment & Finance Co. Ltd. Finance Equity 1.22
Grindwell Norton Ltd. Industrial Products Equity 1.20
Honeywell Automation India Ltd. Industrial Manufacturing Equity 1.13
Balrampur Chini Mills Ltd. Agricultural Food & other Products Equity 1.13
AIA Engineering Ltd. Industrial Products Equity 1.06
DLF Ltd. Realty Equity 1.04
Sona Blw Precision Forgings Ltd. Auto Components Equity 1.04
Page Industries Ltd. Textiles & Apparels Equity 1.01
LTIMindtree Ltd. IT - Software Equity 0.91
Dr. Lal Path labs Ltd. Healthcare Services Equity 0.89
Navin Fluorine International Ltd. Chemicals & Petrochemicals Equity 0.87
ESAB India Ltd. Industrial Products Equity 0.87
FSN E-Commerce Ventures Ltd. Retailing Equity 0.83
HDFC Asset Management Co. Ltd. Capital Markets Equity 0.82
ABB India Ltd. Electrical Equipment Equity 0.76
Chalet Hotels Ltd. Leisure Services Equity 0.74
ICICI Lombard General Insurance Company Ltd. Insurance Equity 0.73
Pitti Engineering Ltd. Industrial Manufacturing Equity 0.73
Hawkins Cookers Ltd. Consumer Durables Equity 0.72
Carborundum Universal Ltd. Industrial Products Equity 0.70
Thermax Ltd. Electrical Equipment Equity 0.67
TeamLease Services Ltd. Commercial Services & Supplies Equity 0.45
Nuvoco Vistas Corporation Ltd. Cement & Cement Products Equity 0.45
National Highways Infra Trust Transport Infrastructure Debt 2.22
Cube Highways Trust Transport Infrastructure Debt 1.99
Embassy Office Parks Reit Realty Real Estate 2.01
Nexus Select Trust Realty Real Estate 1.86
Housing and Urban Development Corporation Ltd. - Debt 0.34
7.11% CGL 2028 - Debt 8.39
7.59% CGL 2031 - Debt 0.26
SBI Gold ETF Capital Markets Debt 1.20
TREPS - Debt 2.61
Net Receivable / Payable - - -0.26
HDFC Bank Ltd. Banks Equity 8.91
ICICI Bank Ltd. Banks Equity 6.53
Reliance Industries Ltd. Petroleum Products Equity 6.04
Infosys Ltd. IT - Software Equity 4.20
Larsen & Toubro Ltd. Construction Equity 4.00
Maruti Suzuki India Ltd. Automobiles Equity 3.84
State Bank of India Banks Equity 3.24
Tata Consultancy Services Ltd. IT - Software Equity 2.94
Kotak Mahindra Bank Ltd. Banks Equity 2.81
Ultratech Cement Ltd. Cement & Cement Products Equity 2.80
Axis Bank Ltd. Banks Equity 2.74
Divi's Laboratories Ltd. Pharmaceuticals & Biotechnology Equity 2.70
Jubilant Foodworks Ltd. Leisure Services Equity 2.15
HDFC Life Insurance Company Ltd. Insurance Equity 2.15
Schaeffler India Ltd. Auto Components Equity 2.14
Endurance Technologies Ltd. Auto Components Equity 2.11
Abbott India Ltd. Pharmaceuticals & Biotechnology Equity 2.07
Timken India Ltd. Industrial Products Equity 2.06
Kajaria Ceramics Ltd. Consumer Durables Equity 1.98
Hindalco Industries Ltd. Non - Ferrous Metals Equity 1.85
ZF Commercial Vehicle Control Systems India Ltd. Auto Components Equity 1.71
L&T Technology Services Ltd. IT - Services Equity 1.68
Cholamandalam Investment & Finance Co. Ltd. Finance Equity 1.68
Power Grid Corporation of India Ltd. Power Equity 1.65
TVS Motor Company Ltd. Automobiles Equity 1.51
Grindwell Norton Ltd. Industrial Products Equity 1.41
Honeywell Automation India Ltd. Industrial Manufacturing Equity 1.37
LTIMindtree Ltd. IT - Software Equity 1.28
Balrampur Chini Mills Ltd. Agricultural Food & other Products Equity 1.27
DLF Ltd. Realty Equity 1.27
Page Industries Ltd. Textiles & Apparels Equity 1.26
Sona Blw Precision Forgings Ltd. Auto Components Equity 1.22
ICICI Lombard General Insurance Company Ltd. Insurance Equity 1.13
Navin Fluorine International Ltd. Chemicals & Petrochemicals Equity 1.07
ABB India Ltd. Electrical Equipment Equity 1.07
FSN E-Commerce Ventures Ltd. Retailing Equity 1.07
Dr. Lal Path labs Ltd. Healthcare Services Equity 1.06
ESAB India Ltd. Industrial Products Equity 1.06
HDFC Asset Management Co. Ltd. Capital Markets Equity 1.02
Thermax Ltd. Electrical Equipment Equity 0.96
Chalet Hotels Ltd. Leisure Services Equity 0.91
Pitti Engineering Ltd. Industrial Manufacturing Equity 0.86
AIA Engineering Ltd. Industrial Products Equity 0.76
Carborundum Universal Ltd. Industrial Products Equity 0.72
Nuvoco Vistas Corporation Ltd. Cement & Cement Products Equity 0.60
Hawkins Cookers Ltd. Consumer Durables Equity 0.53
TeamLease Services Ltd. Commercial Services & Supplies Equity 0.41
Housing and Urban Development Corporation Ltd. - Debt 0.18
Bajaj Housing Finance Ltd. - Debt 0.17
7.59% CGL 2031 - Debt 0.04
TREPS - Debt 2.32
Net Receivable / Payable - - -0.51
Risk Ratios
Standard Deviation
6.55
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
-
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.
Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
  • Fund manager(s) : Mr. Rohit Shimpi (Over 18 years), Mr. Ardhendu Bhattacharya (Over 13 years), Mr. Pradeep Kesavan (Over 18 years), Rohit Shimpi (Unknown), Ardhendu Bhattacharya (Unknown), Pradeep Kesavan (Unknown),
  • Expense ration regular : 1.94
  • Expense ration direct : 0.82
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹500.00
  • Type : solution_oriented
Exit load
Nil

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