SBI Retirement Benefit Fund Aggressive Direct Growth

SBI Retirement Benefit Fund Aggressive Direct Growth

NAV as on 24-04-2025

₹ 20.1

0.3%

1D

Inception Returns

17.8%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
1183 people have invested ₹ 33.8L in SBI Retirement Benefit Fund Aggressive Direct Growth in the last three months

About SBI Retirement Benefit Fund Aggressive Direct Growth

SBI Retirement Benefit Fund Aggressive Direct Growth is a hybrid fund. This fund was started on 17 February, 2021. The fund is managed by Ardhendu Bhattacharya. This fund gives you the benefit of diversification.

Key Parameters

  1. SBI Retirement Benefit Fund Aggressive Direct Growth has ₹2683 Cr worth of assets under management (AUM) as on Mar 2025 and is more than category average.
  2. The fund has an expense ratio 0.9.

Returns

SBI Retirement Benefit Fund Aggressive Direct Growth has given a CAGR return of 17.77% since inception. Over the last 1 and 3 years the fund has given a CAGR return of 6.35% and 15.89% respectively.

Holdings

SBI Retirement Benefit Fund Aggressive Direct Growth has allocated its funds majorly in Cash Equivalent, Financial Services, Consumer Cyclical, Industrial, Government, Corporate, Tech, Energy, Health, Basic Materials, Utilities, Consumer Defensive, Real Estate.

Taxation

As it is a retirement mutual fund the taxation is as follows:
If the fund is equity oriented i.e. asset allocation of more than 65% in equity instruments:
For short term (less than a year) capital gains will be taxed at 20%
For long term (more than 1 year) capital gains will be taxed at 12.5% without indexation benefit
Long term gains up to Rs 1 lakh are exempt from taxation (more than 12 months).

Investment objective of SBI Retirement Benefit Fund Aggressive Direct Growth

The investment objective of the scheme is to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes. However, there can be no assurance that the investment objective of the Scheme will be realized.

Minimum Investment and lockin period

Minimum investment for lump sum payment is INR 5000.00 and for SIP is INR 500.00. There is a lock in period for SBI Retirement Benefit Fund Aggressive Direct Growth of 5 Years

SBI Retirement Benefit Fund Aggressive Direct Growth Overview

Expense ratio0.88%
Benchmark
BSE 500 TR INR
AUM₹2683 Cr
Inception Date17 February, 2021
Min Lumpsum/SIP₹5000/₹500
Exit Load0%
Lock In5 Years
TurnOver
13.25%
STCGSelling mutual fund before 1 year, returns taxed at 20%.
LTCGAfter 1 year, 12.5% tax on returns over ₹1.25 lakh/year.
Risk
Risk meter
pointer
Very High Risk

Trailing Returns

as on (24-Apr-25)

Period
SBI Retirement Benefit Fund Aggressive Direct Growth
Retirement Index
1M
2.7%
-
3M
0.7%
-
6M
-5.1%
-
1Y
6.4%
-
3Y
15.9%
-

Fund Distribution

as on (31-Mar-25)

  • Equity 98.6%

  • Debt & Cash 1.4%

Large cap
64.7%

Mid cap
18.8%

Small cap
15%

Sector Allocation

Mar'25

Feb'25

Jan'25

Dec'24

Nov'24

Oct'24

Sep'24

Financial Services
31.1%
Consumer Cyclical
18.2%
Industrial
17.6%
Tech
11.1%
Energy
5.9%
Health
5.9%
Basic Materials
5.9%
Utilities
1.8%
Consumer Defensive
1.3%
Real Estate
1.2%
All changes are between Oct'69 and Dec'69
Parameters
Mar'25
Feb'25
Jan'25
AUM
₹ 2.7K Cr
₹ 2.5K Cr
₹ 2.7K Cr
  • AUM of the fund stands at 2.7K Cr as of Mar'25
  • AUM increased by 189.1 Cr between Mar'25 and Feb'25

Top 3 Sectors in March were Financial Services, Consumer Cyclical & Industrial

Mar'25
Financial Services
31%
Consumer Cyclical
18%
Industrial
18%
Feb'25
Financial Services
31%
Consumer Cyclical
19%
Industrial
17%
  • Equity

  • Debt & Cash

Holdings
Weight%
1M Change
HDFC Bank Ltd
HDFC Bank Ltd
9.04%
0%
ICICI Bank Ltd
ICICI Bank Ltd
6.57%
0%
Reliance Industries Ltd
Reliance Industries Ltd
5.85%
0%
Infosys Ltd
Infosys Ltd
4.55%
0%
Larsen & Toubro Ltd
Larsen & Toubro Ltd
4.1%
0%
  • Returns %

  • Fund Ratios

  • Overview

Fund
Mar'25
Feb'25
Jan'25
No of Holdings
52
51
51
Top 5 Company Concentration
30.1%
31%
30%
Company having highest exposure
HDFC Bank Ltd (9%)
HDFC Bank Ltd (9.2%)
HDFC Bank Ltd (8.4%)
No of Sectors
12
12
12
Top 5 Sectors Concentration
94.3%
92%
93.3%
Sector having highest exposure
Financial Services (31.1%)
Financial Services (30.7%)
Financial Services (28.8%)
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Ardhendu Bhattacharya
Ardhendu Bhattacharya
Fund Manager of SBI Retirement Benefit Fund Aggressive Direct Growth, since 1 June 2021
Top funds managed
Fund House
SBI Funds Management Ltd
Total Schemes
Total AUM
₹7.37L Cr
as on 31-Mar-2025
Address
9th Floor, Crescenzo,,C-38 & 39, G Block, Bandra Kurla Complex,,Bandra (East), Mumbai
Phone
91-22-66142900
Website
partnerforlife@sbimf.com

SBI Retirement Benefit Fund Aggressive Direct Growth Highlights

Risk meter
pointer

Very High Risk

Investors understand that their principal will be at Very High Risk
About the fund

About the fund

This fund has delivered an average annual returns of 17.77% since inception which is more than its category average return of 10.9%
Fund Allocations

Fund Allocations

This fund has an allocation of 98.56% in Equity, 0.42% in Debt and 1.02% in Cash related instruments
AUM size ₹2683 Cr

AUM size ₹2683 Cr

This fund has AUM of ₹2683 Cr which is more than its category average of ₹ 775 Cr
Expense Ratio 0.88%

Expense Ratio 0.88%

This fund has an expense ratio of 0.88% which is less than its category average expense ratio of 1.54%

Frequently Asked Questions for SBI Retirement Benefit Fund Aggressive Direct Growth

The current NAV of SBI Retirement Benefit Fund Aggressive Direct Growth is ₹20.1 as on 24-Apr-2025.
Existing (Absolute + CAGR) as on 24-Apr-2025.
SBI Retirement Benefit Fund Aggressive Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
2.68%
2.68%
6 Month Returns
-5.09%
-5.09%
1 Year Returns
6.35%
6.35%
3 Years Returns
55.65%
15.89%
With INDmoney, the process of investing is very simple and involves zero commission.
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  • Select Lump Sum or SIP (Weekly, Monthly or Quarterly).
  • Select your bank account and proceed with Payment.
0.88% as on March 2025
₹2683 Cr as on March 2025
HDFC Bank Ltd(9.04%), ICICI Bank Ltd(6.57%), Reliance Industries Ltd(5.85%), Infosys Ltd(4.55%), Larsen & Toubro Ltd(4.1%) as on March 2025
Financial Services(30.68%), Consumer Cyclical(17.92%), Industrial(17.33%) as on March 2025
AAA
100
Ardhendu Bhattacharya is the fund manager of SBI Retirement Benefit Fund Aggressive Direct Growth
The Exit load of SBI Retirement Benefit Fund Aggressive Direct Growth is 0%