SBI Retirement Benefit Fund - Aggressive Plan
SBI Mutual Fund · Retirement · Direct plan, growth option
NAV (₹), 2 Oct 2026
20.8450
1-day change
-0.60%
1Y return
-1.7%
3Y CAGR
7.6%
5Y CAGR
10.4%
Max drawdown, 5Y
−17.9%
NAV history month-end NAV, ₹ · 17 Feb 2021 to 1 Oct 2026
Returns vs Retirement median (29 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -5.2% | -4.4% |
| 3 months | -2.5% | -2.3% |
| 6 months | 9.2% | 5.3% |
| Year to date | -4.1% | -1.7% |
| 1 year | -1.7% | 0.8% |
| 3 years (CAGR) | 7.6% | 8.2% |
| 5 years (CAGR) | 10.4% | 8.4% |
| 7 years (CAGR) | n/a | 11.0% |
| 10 years (CAGR) | n/a | 9.9% |
| Since first NAV (CAGR) | 13.7% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 11.5% | 9.6% |
| 3Y rolling median | 15.2% | 12.9% |
| 3Y rolling worst | 7.4% | 5.7% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 13.4% | 11.7% |
| 5Y rolling worst | 10.4% | 6.8% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 15.1% | 10.9% |
| Sharpe ratio | 0.15 | 0.24 |
| Sortino ratio | 0.20 | 0.34 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −17.9% | −16.5% |
| Maximum drawdown, last 10Y | n/a | −23.2% |
| Maximum drawdown, last 5Y | −17.9% | −12.3% |
| Current drawdown | −7.3% | −5.6% |
| Recovery time of worst fall | n/a | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -4.1% | n/a | – |
| 2025 | 6.2% | n/a | – |
| 2024 | 11.7% | n/a | – |
| 2023 | 28.3% | n/a | – |
| 2022 | 9.2% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,18,424 | -2.4% |
| 3 years | ₹3,60,000 | ₹3,72,595 | 2.2% |
| 5 years | ₹6,00,000 | ₹7,32,564 | 7.9% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
AMC: SBI Mutual Fund
Category: Retirement
Plan / option: Direct · Growth
AMFI scheme code: 148683
ISIN: INF200KA1S55
First NAV in MFIC data: 17 Feb 2021
History: 5.6 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| SBI Retirement Benefit Fund - Aggressive Hybrid Plan | Retirement | 1.00 | 8.6% |
| SBI Retirement Benefit Fund - Conservative Hybrid Plan | Retirement | 0.98 | 6.5% |
| Baroda BNP Paribas Retirement Fund | Retirement | 0.97 | n/a |
| Union Children's Fund | Children's | 0.97 | n/a |
| Union Retirement Fund | Retirement | 0.96 | 11.6% |
| UTI Children's Equity Fund | Children's | 0.96 | 6.0% |
Questions about SBI Retirement Benefit Fund - Aggressive Plan
- What is the latest NAV of SBI Retirement Benefit Fund - Aggressive Plan?
- The NAV of the Direct plan (growth option) was ₹20.8450 on 2 Oct 2026, as published by AMFI.
- Which category is SBI Retirement Benefit Fund - Aggressive Plan in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Direct plans).
- What returns has SBI Retirement Benefit Fund - Aggressive Plan delivered?
- Over one year the NAV changed by -1.7%. The 3-year CAGR is 7.6% (category median 8.2%) and the 5-year CAGR is 10.4% (category median 8.4%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 15.2%, the lowest was 7.4%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in SBI Retirement Benefit Fund - Aggressive Plan's NAV?
- The largest peak-to-trough fall in its available history was 17.9%; within the last five years it was 17.9% (category median 12.3%).
- How volatile is SBI Retirement Benefit Fund - Aggressive Plan?
- Its annualised standard deviation of monthly returns over the last 36 months is 15.1%, which is above the Retirement category median of 10.9%.
- What would a monthly SIP in SBI Retirement Benefit Fund - Aggressive Plan have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,32,564 on 2 Oct 2026, an annualised return (XIRR) of 7.9%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by -1.7% and the Regular plan's by -2.6%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.