SBI Retirement Benefit Fund Aggressive Plan
Direct · Growth ₹21.93
18 Aug 2026
NAV
16.6%
3Y CAGR
14.0%
5Y CAGR
14.9%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
7.08
Sharpe
-17.9%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
0.90%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.71 L | 13.8% | -22.2% | 46.6% |
| 3 Years | ₹36.00 L | ₹43.83 L | 15.0% | -1.7% | 28.4% |
| 5 Years | ₹60.00 L | ₹77.05 L | 10.3% | 6.4% | 14.3% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 13.8% | 14.4% | 11.7% | -0.7% |
| 3 Years | 15.0% | 11.1% | 12.6% | +3.9% |
| 5 Years | 10.3% | 10.4% | 12.4% | -0.1% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 14.3% | 12.0% | -6.5% | 36.9% | 0.67 | 2.34 | 89% | — | — |
| 3 Years | 16.6% | 15.3% | 9.3% | 24.1% | 2.47 | — | 100% | — | — |
| 5 Years | 14.0% | 13.6% | 12.5% | 16.6% | 7.08 | — | 100% | — | — |
-17.9%
Max Drawdown
6 mo
Drawdown Duration
Not recovered
Recovery Time
-4.0%
Avg Drawdown
Calmar Ratio by Duration
0.80
1Y
0.92
3Y
0.78
5Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +7.02 | 1.00 | 100.7% | 91.0% | 4.1% | -2.9% |
| 3 Years | +3.18 | 0.92 | 92.9% | 88.1% | 10.8% | 7.8% |
| 5 Years | +5.42 | 0.88 | 88.6% | 81.0% | 13.1% | 7.8% |
| 7 Years | +4.75 | 0.86 | 87.7% | 78.8% | 11.6% | 6.9% |
| 10 Years | +2.95 | 0.86 | 87.7% | 78.8% | 8.0% | 4.8% |
| 12 Years | +2.28 | 0.86 | 87.7% | 78.8% | 6.6% | 4.0% |
| 15 Years | +1.61 | 0.86 | 87.7% | 78.8% | 5.3% | 3.2% |
52
Total Holdings
36.2%
Top 10 Weight
23
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd. | 6.28% |
| 2 | ICICI Bank Ltd. | 5.94% |
| 3 | Larsen & Toubro Ltd. | 3.93% |
| 4 | State Bank of India | 3.75% |
| 5 | Maruti Suzuki India Ltd. | 3.41% |
| 6 | Ultratech Cement Ltd. | 2.72% |
| 7 | Axis Bank Ltd. | 2.59% |
| 8 | Bajaj Finance Ltd. | 2.58% |
| 9 | Infosys Ltd. | 2.55% |
| 10 | Kotak Mahindra Bank Ltd. | 2.42% |