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

We don't give personal investment advice. SBI Retirement Benefit Fund - Aggressive 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: 17.9%. 5-year CAGR: 13.23%.

SBI

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

Latest NAV

₹21.6172

As of

17 Jul 2026

1,341 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	+0.25%	+0.15%	+0.10	7 / 30	Q1
1W	+0.50%	-0.05%	+0.55	1 / 30	Q1
2W	+0.49%	+0.24%	+0.25	10 / 30	Q2
1M	+2.50%	+1.44%	+1.06	2 / 30	Q1
3M	+3.85%	+2.97%	+0.88	6 / 30	Q1
6M	+1.26%	+2.28%	-1.01	19 / 30	Q3
YTD	-0.71%	+1.24%	-1.94	23 / 30	Q4
1Y	+0.55%	+2.97%	-2.41	25 / 30	Q4
2Y	+0.47%	+4.32%	-3.86	27 / 30	Q4
3Y	+10.15%	+11.33%	-1.18	15 / 27	Q3
4Y	+13.83%	+12.57%	+1.26	9 / 26	Q2
5Y	+13.23%	+10.51%	+2.72	6 / 26	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+15.00%	+11.61%	+3.39	8 / 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	-0.71%	+1.24%	-1.94	23 / 30
2025	+5.51%	+5.89%	-0.38	18 / 30
2024	+11.90%	+15.71%	-3.81	19 / 28
2023	+27.38%	+21.10%	+6.28	8 / 27
2022	+9.22%	+2.72%	+6.50	2 / 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

+14.82%

54 windows

min -3.4% · max 34.9%

93% positive

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

3-Year rolling

+16.91%

30 windows

min 10.1% · max 23.2%

100% positive

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

5-Year rolling

+14.40%

6 windows

min 13.2% · max 16.0%

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

12.39%

3-year · annualised

Sharpe ratio

0.32

vs risk-free 6.5%

Sortino ratio

0.54

Downside-only deviation

Max drawdown

-17.91%

Sep 2024 → Apr 2025

% positive months

58.3%

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	₹55.9750	17 Jul 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹20.6550	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹13.2520	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹25.1110	17 Jul 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹241.8786	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹20.3300	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹21.6172
16 Jul 2026	₹21.5626
15 Jul 2026	₹21.5083
14 Jul 2026	₹21.3736
13 Jul 2026	₹21.5403
10 Jul 2026	₹21.5094
9 Jul 2026	₹21.2531
8 Jul 2026	₹21.0979
7 Jul 2026	₹21.5325
6 Jul 2026	₹21.5919

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 17 Jul 2026, the NAV of SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth is ₹21.6172. 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 Plan - Direct Plan - Growth has NAV history starting from 17 Feb 2021, a track record of about 5 years 5 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 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 Plan - Direct Plan - Growth has delivered a absolute return of 0.55% — -2.41 pp behind the Retirement Fund category average of 2.97%. The fund ranks #25 of 30 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth has delivered a CAGR of 10.15% — -1.18 pp behind the Retirement Fund category average of 11.33%. The fund ranks #15 of 27 in its category — the third (Q3) quartile.

Over the trailing 5-year window, SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth has delivered a CAGR of 13.23% — +2.72 pp ahead of the Retirement Fund category average of 10.51%. The fund ranks #6 of 26 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth exactly 5 years ago would be worth approximately ₹186,121 today — a multiplier of 1.86×, based on the 5-year CAGR of 13.23%. The category average over the same window would have grown ₹1 lakh to ₹164,843.

A ₹10,000 monthly SIP in SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth over the last 5 years — total invested ₹600,000 — would be worth ₹779,986 today. That's an XIRR (money-weighted annualised return) of 10.43%.

SBI Retirement Benefit Fund - Aggressive 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 ₹779,986 — XIRR 10.43%.

On a 5-year basis, SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth ranks #6 out of 26 funds in the Retirement Fund category — that places it in the top quartile (Q1) — strong outperformance. The category average return over the same window is 10.51%; this fund delivered 13.23%.

The worst peak-to-trough decline SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth has experienced over the last 5-year window is 17.91% — its NAV fell from a high on 26 Sep 2024 to a low on 07 Apr 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 Plan - Direct Plan - Growth averaged 14.40% (best 16.05%, worst 13.23%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.49 — weak risk-adjusted performance.

In calendar year 2025, SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth returned 5.51% — lagging the Retirement Fund category average of 5.89% by 0.38 pp. It ranked #18 of 30 in its category that year.

SBI Retirement Benefit Fund - Aggressive 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 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: 17.9%. 5-year CAGR: 13.23%.

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