SBI Retirement Benefit Fund Aggressive Plan
Direct · Growth ₹20.20
26 Oct 2026
NAV
16.0%
3Y CAGR
13.3%
5Y CAGR
14.2%
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.
3.88
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 | ₹12.68 L | 13.3% | -22.2% | 46.6% |
| 3 Years | ₹36.00 L | ₹43.39 L | 14.3% | -1.7% | 28.4% |
| 5 Years | ₹60.00 L | ₹76.81 L | 10.1% | 6.2% | 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 | 13.3% | 14.3% | 6.8% | -0.9% |
| 3 Years | 14.3% | 11.0% | 12.9% | +3.3% |
| 5 Years | 10.1% | 10.4% | 13.3% | -0.3% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 13.7% | 11.2% | -7.9% | 36.9% | 0.62 | 2.05 | 88% | — | — |
| 3 Years | 16.0% | 15.1% | 6.9% | 24.1% | 2.15 | — | 100% | — | — |
| 5 Years | 13.3% | 13.4% | 8.9% | 16.6% | 3.88 | — | 100% | — | — |
-17.9%
Max Drawdown
6 mo
Drawdown Duration
Not recovered
Recovery Time
-4.0%
Avg Drawdown
Calmar Ratio by Duration
0.77
1Y
0.89
3Y
0.74
5Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +4.45 | 0.98 | 97.0% | 91.0% | -7.9% | -12.7% |
| 3 Years | +1.54 | 0.92 | 91.0% | 88.3% | 7.1% | 5.4% |
| 5 Years | +4.24 | 0.88 | 87.9% | 81.8% | 9.0% | 4.5% |
| 7 Years | +4.18 | 0.86 | 87.3% | 79.5% | 10.2% | 5.9% |
| 10 Years | +2.58 | 0.86 | 87.3% | 79.5% | 7.0% | 4.1% |
| 12 Years | +1.96 | 0.86 | 87.3% | 79.5% | 5.8% | 3.4% |
| 15 Years | +1.36 | 0.86 | 87.3% | 79.5% | 4.6% | 2.7% |
53
Total Holdings
34.4%
Top 10 Weight
22
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | HDFC Bank Ltd. | 6.13% |
| 2 | ICICI Bank Ltd. | 5.63% |
| 3 | Larsen & Toubro Ltd. | 3.86% |
| 4 | State Bank of India | 3.61% |
| 5 | Maruti Suzuki India Ltd. | 2.95% |
| 6 | Kotak Mahindra Bank Ltd. | 2.67% |
| 7 | Ultratech Cement Ltd. | 2.58% |
| 8 | Urban Company Ltd. | 2.39% |
| 9 | JSW Infrastructure Ltd. | 2.32% |
| 10 | Lenskart Solutions Ltd. | 2.26% |