Should I invest in SBI Retirement Benefit Fund - Aggressive Hybrid Plan?

We don't give personal investment advice. SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 14.5%. 5-year CAGR: 12.57%.

SBI

SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth

Latest NAV

₹19.7204

As of

3 Jun 2026

1,310 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.34%	+0.23%	+0.11	8 / 30	Q2
1W	-1.13%	-0.92%	-0.20	16 / 30	Q3
2W	+0.60%	+0.19%	+0.41	2 / 30	Q1
1M	-1.07%	-0.65%	-0.42	18 / 30	Q3
3M	-1.25%	-0.23%	-1.02	17 / 30	Q3
6M	-3.80%	-2.18%	-1.62	23 / 30	Q4
YTD	-3.74%	-2.35%	-1.40	21 / 30	Q3
1Y	+1.70%	+1.26%	+0.43	13 / 30	Q2
2Y	+3.00%	+4.77%	-1.76	25 / 30	Q4
3Y	+10.80%	+11.65%	-0.85	14 / 27	Q3
4Y	+12.54%	+11.78%	+0.76	10 / 26	Q2
5Y	+12.57%	+10.27%	+2.29	7 / 26	Q2
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+13.53%	+11.15%	+2.38	9 / 30	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-3.74%	-2.35%	-1.40	21 / 30
2025	+7.46%	+5.89%	+1.58	6 / 30
2024	+11.74%	+15.71%	-3.97	20 / 28
2023	+23.67%	+21.10%	+2.57	11 / 27
2022	+7.80%	+2.72%	+5.08	3 / 26
2021	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+13.91%

53 windows

min -1.9% · max 29.7%

98% positive

Limited basis — fund is young, so this average may be skewed by which 1Y windows happen to be available.

3-Year rolling

+15.35%

29 windows

min 10.8% · max 20.3%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+13.58%

4 windows

min 12.6% · max 14.5%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

—

Insufficient history

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

10.62%

3-year · annualised

Sharpe ratio

0.41

vs risk-free 6.5%

Sortino ratio

0.63

Downside-only deviation

Max drawdown

-14.49%

Sep 2024 → Feb 2025

% positive months

75.0%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan	HDFC	₹53.5320	3 Jun 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth	SBI	₹20.3640	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹30.3700	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹12.8150	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹23.5840	3 Jun 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹235.8290	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹19.4100	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹19.7204
2 Jun 2026	₹19.8080
1 Jun 2026	₹19.7403
31 May 2026	₹19.8737
29 May 2026	₹19.8743
27 May 2026	₹20.0701
26 May 2026	₹20.0338
25 May 2026	₹20.1119
22 May 2026	₹19.9491
21 May 2026	₹19.8415

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth is ₹19.7204. It's a Retirement Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth has NAV history starting from 17 Feb 2021, a track record of about 5 years 3 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth is managed by SBI. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth has delivered a absolute return of 1.70% — +0.43 pp ahead of the Retirement Fund category average of 1.26%. The fund ranks #13 of 30 in its category — the second (Q2) quartile.

Over the trailing 3-year window, SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth has delivered a CAGR of 10.80% — -0.85 pp behind the Retirement Fund category average of 11.65%. The fund ranks #14 of 27 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth has delivered a CAGR of 12.57% — +2.29 pp ahead of the Retirement Fund category average of 10.27%. The fund ranks #7 of 26 in its category — the second (Q2) quartile.

₹1 lakh invested in SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth exactly 5 years ago would be worth approximately ₹180,741 today — a multiplier of 1.81×, based on the 5-year CAGR of 12.57%. The category average over the same window would have grown ₹1 lakh to ₹163,065.

A ₹10,000 monthly SIP in SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹763,374 today. That's an XIRR (money-weighted annualised return) of 9.56%.

SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹763,374 — XIRR 9.56%.

On a 5-year basis, SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth ranks #7 out of 26 funds in the Retirement Fund category — that places it in the second quartile (Q2) — above the median. The category average return over the same window is 10.27%; this fund delivered 12.57%.

The worst peak-to-trough decline SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth has experienced over the last 5-year window is 14.49% — its NAV fell from a high on 26 Sep 2024 to a low on 28 Feb 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth averaged 13.58% (best 14.49%, worst 12.57%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.56 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth returned 7.46% — beating the Retirement Fund category average of 5.89% by 1.58 pp. It ranked #6 of 30 in its category that year.

SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 14.5%. 5-year CAGR: 12.57%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.