SBI Retirement Benefit Fund Aggressive Direct Growth

SBI Retirement Benefit Fund Aggressive Direct Growth

NAV as on 02-04-2025

₹ 19.56

-1.4%

1D

Inception Returns

17.1%

/yr

Historical NAV & Returns

Absolute

zero opening, trading, fund transfer fee
1123 people have invested ₹ 37.2L 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 ₹2494 Cr worth of assets under management (AUM) as on Feb 2025 and is more than category average.
  2. The fund has an expense ratio 1.

Returns

SBI Retirement Benefit Fund Aggressive Direct Growth has given a CAGR return of 17.07% since inception. Over the last 1 and 3 years the fund has given a CAGR return of 2.97% and 13.53% respectively.

Holdings

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

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 ratio0.97%
Benchmark
BSE 500 TR INR
AUM₹2494 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 (02-Apr-25)

Period
SBI Retirement Benefit Fund Aggressive Direct Growth
Retirement Index
1M
5.1%
-
3M
-5.8%
-
6M
-12.6%
-
1Y
3%
-
3Y
13.5%
-

Fund Distribution

as on (28-Feb-25)

  • Equity 98.2%

  • Debt & Cash 1.8%

Large cap
65.3%

Mid cap
19.3%

Small cap
13.6%

Sector Allocation

Feb'25

Jan'25

Dec'24

Financial Services
30.7%
Consumer Cyclical
18.6%
Industrial
17.4%
Tech
12.3%
Energy
6%
Basic Materials
5.8%
Health
5.1%
Utilities
1.7%
Real Estate
1.2%
Consumer Defensive
1.1%
All changes are between Oct'69 and Dec'69
Parameters
Feb'25
Jan'25
Dec'24
AUM
₹ 2.5K Cr
₹ 2.7K Cr
₹ 2.7K Cr
  • AUM of the fund stands at 2.5K Cr as of Feb'25
  • AUM decreased by 179.3 Cr between Feb'25 and Jan'25
Top Stocks bought last month
Jubilant Foodworks Ltd's allocation increased from 2.21% to 2.52%
Jubilant Foodworks Ltd's allocation increased from 2.21% to 2.52%
Abbott India Ltd's allocation increased from 1.97% to 2.16%
Abbott India Ltd's allocation increased from 1.97% to 2.16%
Infosys Ltd's allocation increased from 5.2% to 5.39%
Infosys Ltd's allocation increased from 5.2% to 5.39%
Top Stocks sold last month
Reliance Industries Ltd's allocation decreased from 5.74 % to 5.52 %
Reliance Industries Ltd's allocation decreased from 5.74 % to 5.52 %
Larsen & Toubro Ltd's allocation decreased from 4.23 % to 4.19 %
Larsen & Toubro Ltd's allocation decreased from 4.23 % to 4.19 %
Tata Consultancy Services Ltd's allocation decreased from 3.79 % to 3.71 %
Tata Consultancy Services Ltd's allocation decreased from 3.79 % to 3.71 %

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

Feb'25
Financial Services
31%
Consumer Cyclical
19%
Industrial
17%
Jan'25
Financial Services
29%
Industrial
19%
Consumer Cyclical
18%
Fund
Feb'25
Jan'25
Dec'24
No of Holdings
51
51
50
Top 5 Company Concentration
31%
30%
29.9%
Company having highest exposure
HDFC Bank Ltd (9.2%)
HDFC Bank Ltd (8.4%)
HDFC Bank Ltd (8.7%)
No of Sectors
12
12
12
Top 5 Sectors Concentration
92%
93.3%
92.2%
Sector having highest exposure
Financial Services (30.7%)
Financial Services (28.8%)
Financial Services (29.2%)
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Ardhendu Bhattacharya
Ardhendu Bhattacharya
Fund Manager of SBI Retirement Benefit Fund Aggressive Direct Growth, since 1 June 2021
Fund House
SBI Funds Management Ltd
Total Schemes
Total AUM
₹7.63L Cr
as on 28-Feb-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 17.07% since inception which is more than its category average return of 9.96%
Fund Allocations

Fund Allocations

This fund has an allocation of 98.16% in Equity, 0.45% in Debt and 1.39% in Cash related instruments
AUM size ₹2494 Cr

AUM size ₹2494 Cr

This fund has AUM of ₹2494 Cr which is more than its category average of ₹ 731 Cr
Expense Ratio 0.97%

Expense Ratio 0.97%

This fund has an expense ratio of 0.97% which is less than its category average expense ratio of 1.55%

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3Y CAGR

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5Y CAGR

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SBI Balanced Advantage Fund Direct Growth

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3Y CAGR

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SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct Growth

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3Y CAGR

▲ 12.37

SBI Magnum Children's Benefit Fund Direct Growth

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5Y CAGR

▲ 15.72

Frequently Asked Questions for SBI Retirement Benefit Fund Aggressive Direct Growth

The current NAV of SBI Retirement Benefit Fund Aggressive Direct Growth is ₹19.56 as on 02-Apr-2025.
Existing (Absolute + CAGR) as on 02-Apr-2025.
SBI Retirement Benefit Fund Aggressive Direct Growth
Absolute Returns
CAGR Returns
1 Month Returns
5.12%
5.12%
6 Month Returns
-12.6%
-12.6%
1 Year Returns
2.97%
2.97%
3 Years Returns
46.35%
13.53%
5 Years Returns
0%
0%
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0.97% as on March 2025
₹2494 Cr as on March 2025
HDFC Bank Ltd(9.21%), ICICI Bank Ltd(6.31%), Reliance Industries Ltd(5.92%), Infosys Ltd(5.26%), Maruti Suzuki India Ltd(4.33%) as on March 2025
Financial Services(30.15%), Consumer Cyclical(18.29%), Industrial(17.09%) 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%