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SBI Retirement Benefit Fund - Aggressive Plan - Regular Plan download report


Equity: Flexi Cap

1 Lakh

Investment Grown to
₹ 1.18 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.30 Lakh

Suitability:

When you invest for five years or more, you can expect gains that comfortably beat the inflation rate as well as returns from fixed income options. But be prepared for ups and downs in your investment value along the way.

This is a flexi-cap fund where the fund management team has complete freedom to invest in companies of different sizes, depending on where it expects maximum gains. This versatility makes flexi-cap funds most suitable for equity fund investors, as the job of stock selection is left completely to the fund manager, which is the very idea of investing in a mutual fund.

Like for all equity funds, you must invest only through the SIP route. Click here to read a primer on SIP investing.

Warning: Warning: Do not invest in this, or any other flexi-cap fund, if you need to redeem your investment in less than five years.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 1 year from the date of investment, gains upto Rs 1 lakh in a financial year are exempt from tax. Gains over Rs 1 lakh are taxed at the rate of 10%.
  • If the mutual fund units are sold within 1 year from the date of investment, entire amount of gain is taxed at the rate of 15%.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
SBI Retirement Benefit Fund - Aggressive Plan Reg-G 7.12 0.03 1.23 9.71 14.44 8.74 17.50 -- -- -- --
S&P BSE 500 TRI 4.29 0.20 2.11 10.54 11.58 6.02 11.04 -- -- -- --
Equity: Flexi Cap 0.73 0.12 1.71 9.27 11.09 3.83 7.41 -- -- -- --
Rank within category 5 46 67 23 2 4 4 -- -- -- --
Number of funds in category 65 71 71 69 69 68 62 49 35 34 27

As on 18-Aug-2022

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
SBI Retirement Benefit Fund - Aggressive Plan - Regular Plan
Unrated
Feb-21 17.50 -- -- 2.33 881
SBI Focused Equity Fund  | Invest Online
4 star
Oct-04 6.44 20.03 15.25 1.71 26,218
UTI Flexi Cap Fund - Regular Plan  | Invest Online
4 star
May-92 -0.64 22.67 15.38 1.66 25,448
Parag Parikh Flexi Cap Fund - Regular Plan  | Invest Online
5 star
May-13 7.05 26.47 18.63 1.93 24,595
Mirae Asset Focused Fund - Regular Plan  | Invest Online
5 star
May-19 4.30 22.58 -- 1.80 8,696

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 6.37 07-Mar-2022 - 14-Mar-2022 -5.66 28-Feb-2022 - 07-Mar-2022
Month 12.40 07-Mar-2022 - 06-Apr-2022 -11.16 04-Feb-2022 - 07-Mar-2022
Quarter 16.53 12-Apr-2021 - 12-Jul-2021 -10.90 10-Feb-2022 - 12-May-2022
Year 31.80 05-Apr-2021 - 05-Apr-2022 4.31 16-Jun-2021 - 16-Jun-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
SBI Retirement Benefit Fund - Aggressive Plan Reg-G -- -- -- -- -- --
S&P BSE 500 TRI* 20.28 22.43 0.75 0.86 -- --
Equity: Flexi Cap* 18.24 21.58 0.68 0.76 0.93 -0.83
Rank within category -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

The Risk Measures have been calculated using calendar month returns for the last three years.

As on

* As on 31-Jul-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 35
Top 10 Stocks (%) 45.65
Top 5 Stocks (%) 28.98
Top 3 Sectors (%) 48.70
Portfolio P/B Ratio 3.96
Portfolio P/E Ratio 27.63

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 1,02,113 1,51,649
Giant (%) 46.15 52.84
Large (%) 20.23 19.22
Mid (%) 25.79 21.85
Small (%) 7.83 6.47
Tiny (%) -- 0.08

Value Research Fund Style

Sector Allocation vis-à-vis Category

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Top Holdings

Company Sector P/E 3Y High 3Y Low % Assets
up HDFC Bank Financial 21.15 8.35 3.80 7.46
equal ICICI Bank Financial 22.21 7.53 3.58 6.54
equal Infosys Technology 29.90 6.08 0.00 5.63
equal Maruti Suzuki India Automobile 60.77 5.11 0.00 4.71
equal HDFC Financial 19.82 5.23 0.00 4.64
equal State Bank of India Financial 13.45 4.77 3.26 3.40
up Grindwell Norton Metals & Mining 70.77 3.36 0.18 3.36
equal Ultratech Cement Materials 26.81 3.46 0.00 3.34
equal Axis Bank Financial 14.56 4.24 2.45 3.32
equal The Indian Hotels Company Services 195.91 3.60 2.00 3.25
equal Larsen & Toubro Construction 28.94 3.37 0.00 3.22
equal ABB India Ltd. Capital Goods 73.72 3.18 2.58 3.16
equal Timken India Capital Goods 57.99 2.77 0.00 2.76
equal Chalet Hotels Services -- 3.07 0.00 2.76
equal Cholamandalam Investment & Finance Company Financial 26.97 3.14 1.95 2.41
equal TVS Motor Company Automobile 43.13 2.47 1.04 2.37
equal ICICI Prudential Life Insurance Co. Ltd. Insurance 77.44 3.00 1.89 2.28
equal Hindalco Inds. Metals & Mining 6.54 3.43 1.95 2.24
equal Page Industries Textiles 76.19 4.53 1.99 2.15
equal Cipla Healthcare 33.50 2.63 2.00 2.11
equal Carborundum Universal Metals & Mining 47.12 2.15 0.00 1.91
equal ZF Commercial Vehicle Control Systems India Automobile 100.08 2.76 0.00 1.90
equal DLF Construction 58.98 1.82 0.00 1.82
equal V-Guard Industries Consumer Discretionary 41.57 3.25 1.75 1.75
equal AIA Engineering Metals & Mining 36.29 2.76 0.00 1.72

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 31-Jul-2022

Fund Manager

— Ardhendu Bhattacharya since 30-Jun-2021

Education: Mr. Bhattacharya is a MBA (Marketing) and Bachelor of Engineering.

Experience: Prior to joining SBI Mutual Fund, he has worked with ICICI Bank and Citibank.

Funds Managed:

— Dinesh Ahuja since 20-Jan-2021

Education: Mr. Ahuja is a B.Com (H) and MMS (Finance).

Experience: Prior to joining SBI AMC he has worked with L&T Investment management Ltd., Reliance Asset Management Ltd and Reliance General insurance Company Ltd.

Funds Managed:

— Rohit Shimpi since 01-Oct-2021

Education: Mr. Shimpi is a B. Com., PGDBM (Finance), CFA.

Experience: Prior to joining SBI Mutaul Fund, he has worked with CNBC TV18, JP Morgan’s offshore research centre and HDFC Standard Life Insurance.

Funds Managed:


0.03%

Change from previous, NAV as on 18-Aug-2022

Growth: ₹ 13.8175

IDCW: ₹ 13.8184


Investment Strategy

The scheme seeks to provide a comprehensive retirement saving solution that serves the variable needs of the investors through long term diversified investments in major asset classes.

Investment Details

Min. Investment (₹) 5,000
Min. Addl Investment (₹) 1,000
Min. SIP Investment (₹) 500
Min. No of Cheques 12
Min. Withdrawal (₹) 500
Min. Balance (₹) 500
Lock-in Period 5 Years
Exit Load 0

Basic Details

Fund House: SBI Mutual Fund
Launch Date: 10-Feb-2021
Return Since Launch: 23.74%
Benchmark: S&P BSE 500 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 881 Cr (As on 31-Jul-2022)
Expense Ratio: 2.33% (As on 31-Jul-2022)
Risk Grade: --
Return Grade: --
Turnover: --

Contact Information

AMC: SBI Funds Management Ltd

Address: 9th Floor-Crescenzo, C-38 & 39- G Block, Bandra-Kurla Complex, Bandra (East) Mumbai - 400051

Phone: 022-61793000 / 1800-425-5425

Fax: 022-22189663

Website: http://www.sbimf.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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