Should I invest in SBI Retirement Benefit Fund - Aggressive Plan - Income Distribution cum Capital Withdrawal Option (IDCW)?

We don't give personal investment advice. SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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: 12.95%.

SBI

SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)

Latest NAV

₹20.3531

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	+0.35%	+0.22%	+0.13	5 / 23	Q1
1W	-1.49%	-0.85%	-0.64	19 / 23	Q4
2W	+0.59%	+0.26%	+0.32	3 / 23	Q1
1M	-1.96%	-0.63%	-1.32	23 / 23	Q4
3M	-1.74%	-0.35%	-1.40	20 / 23	Q4
6M	-6.21%	-2.60%	-3.61	21 / 23	Q4
YTD	-6.07%	-2.50%	-3.57	22 / 23	Q4
1Y	-2.18%	+0.11%	-2.28	16 / 23	Q3
2Y	+0.28%	+3.18%	-2.90	18 / 23	Q4
3Y	+10.15%	+9.35%	+0.80	9 / 20	Q2
4Y	+12.87%	+9.49%	+3.38	3 / 19	Q1
5Y	+12.95%	+8.43%	+4.53	3 / 19	Q1
7Y	—	—	—	—	—
10Y	—	—	—	—	—
Inception	+14.16%	+9.54%	+4.62	4 / 23	Q1

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	-6.07%	-2.50%	-3.57	22 / 23
2025	+5.51%	+4.83%	+0.68	12 / 23
2024	+11.90%	+11.40%	+0.50	10 / 21
2023	+27.38%	+19.27%	+8.11	4 / 20
2022	+9.20%	+2.24%	+6.96	1 / 19
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

+14.97%

53 windows

min -4.5% · max 34.2%

89% positive

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

3-Year rolling

+16.73%

29 windows

min 10.1% · max 23.5%

100% positive

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

5-Year rolling

+14.22%

4 windows

min 13.0% · max 15.2%

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

12.89%

3-year · annualised

Sharpe ratio

0.31

vs risk-free 6.5%

Sortino ratio

0.47

Downside-only deviation

Max drawdown

-17.91%

Sep 2024 → Apr 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
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option	Nippon India	₹22.6936	3 Jun 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹19.7224	3 Jun 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹30.3800	3 Jun 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹12.8060	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹19.1980	3 Jun 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹17.9390	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.4604	3 Jun 2026
UTI Retirement Fund- Direct Plan	UTI	₹53.4109	3 Jun 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹11.9600	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹19.3600	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹20.3531
2 Jun 2026	₹20.4394
1 Jun 2026	₹20.3684
31 May 2026	₹20.5328
29 May 2026	₹20.5337
27 May 2026	₹20.7777
26 May 2026	₹20.7483
25 May 2026	₹20.8347
22 May 2026	₹20.6277
21 May 2026	₹20.4896

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 Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) is ₹20.3531. It's a Retirement Fund from SBI, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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 Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a absolute return of -2.18% — -2.28 pp behind the Retirement Fund category average of 0.11%. The fund ranks #16 of 23 in its category — the third (Q3) quartile.

Over the trailing 3-year window, SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 10.15% — +0.8 pp ahead of the Retirement Fund category average of 9.35%. The fund ranks #9 of 20 in its category — the second (Q2) quartile.

Over the trailing 5-year window, SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) has delivered a CAGR of 12.95% — +4.53 pp ahead of the Retirement Fund category average of 8.43%. The fund ranks #3 of 19 in its category — the top (Q1) quartile.

₹1 lakh invested in SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) exactly 5 years ago would be worth approximately ₹183,844 today — a multiplier of 1.84×, based on the 5-year CAGR of 12.95%. The category average over the same window would have grown ₹1 lakh to ₹149,851.

A ₹10,000 monthly SIP in SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) over the last 5 years — total invested ₹600,000 — would be worth ₹750,543 today. That's an XIRR (money-weighted annualised return) of 8.88%.

SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) doesn't yet have 10 years of NAVs. Over the longest available window (5-year SIP), ₹10,000/month would have grown to ₹750,543 — XIRR 8.88%.

On a 5-year basis, SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) ranks #3 out of 19 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 8.43%; this fund delivered 12.95%.

The worst peak-to-trough decline SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Income Distribution cum Capital Withdrawal Option (IDCW) averaged 14.22% (best 15.23%, worst 12.95%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.51 — reasonable risk-adjusted performance.

In calendar year 2025, SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) returned 5.51% — beating the Retirement Fund category average of 4.83% by 0.68 pp. It ranked #12 of 23 in its category that year.

SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW) 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 - Income Distribution cum Capital Withdrawal Option (IDCW) 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: 12.95%.

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