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Unrated

SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan


Equity: Flexi Cap

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: 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
Fund -- -0.37 1.12 8.48 12.92 29.67 -- -- -- -- --
S&P BSE 500 TRI -- -0.10 1.09 8.02 13.05 25.25 -- -- -- -- --
Equity: Flexi Cap -- -0.11 0.78 7.30 13.29 25.68 -- -- -- -- --
Rank within category -- 56 18 9 32 9 -- -- -- -- --
Number of funds in category 55 63 63 61 59 58 53 40 35 30 1

As on 24-Sep-2021

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 - Direct Plan
Unrated
Feb-21 -- -- -- 1.00 575
Kotak Flexicap Fund - Direct Plan  | Invest Online
4 star
Jan-13 61.65 18.56 15.88 0.66 38,626
UTI Flexi Cap Fund - Direct Plan  | Invest Online
4 star
Jan-13 83.12 25.93 19.94 1.09 22,592
Axis Focused 25 Fund - Direct Plan
4 star
Jan-13 75.51 22.87 20.75 0.60 19,736
SBI Focused Equity Fund - Direct Plan  | Invest Online
4 star
Jan-13 77.68 23.90 18.89 0.71 19,429

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 4.63 25-Mar-2021 - 01-Apr-2021 -3.39 10-Mar-2021 - 18-Mar-2021
Month 8.71 23-Apr-2021 - 25-May-2021 -2.69 23-Feb-2021 - 25-Mar-2021
Quarter 17.00 12-Apr-2021 - 12-Jul-2021 5.53 18-Feb-2021 - 20-May-2021
Year -- - -- -

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
S&P BSE 500 TRI* 16.64 22.81 0.55 0.63 -- --
Equity: Flexi Cap* 17.03 22.18 0.59 0.65 0.94 1.12
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-Aug-2021

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 33
Top 10 Stocks (%) 35.47
Top 5 Stocks (%) 19.91
Top 3 Sectors (%) 33.26
Portfolio P/B Ratio 4.44
Portfolio P/E Ratio 35.59

Portfolio Aggregates

Fund Category
Average Mkt Cap (Rs Cr) 47,853 1,51,964
Giant (%) 23.25 52.49
Large (%) 18.06 18.76
Mid (%) 43.20 22.32
Small (%) 15.49 6.97
Tiny (%) -- 0.23

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
equal ICICI Bank Financial 25.04 5.27 3.58 4.55
equal Page Industries Textiles 96.04 4.53 3.44 4.21
equal HDFC Bank Financial 27.01 4.99 3.92 4.03
equal HCL Technologies Technology 32.26 4.63 3.54 3.79
equal Relaxo Footwears FMCG 96.78 3.94 3.33 3.33
equal State Bank of India Financial 15.73 4.77 3.28 3.28
equal Sona BLW Precision Forgings Automobile 151.39 3.20 0.00 3.20
up ICICI Lombard General Insurance Company Insurance 63.51 3.19 0.00 3.19
equal Hindalco Inds. Metals 15.40 3.43 2.76 2.97
up Cholamandalam Investment & Finance Company Financial 33.32 3.14 1.95 2.92
up V-Guard Industries Consumer Durable 49.79 3.25 2.88 2.88
equal Divi's Laboratories Healthcare 66.09 3.11 2.54 2.85
equal Navin Fluorine International Chemicals 75.06 3.35 2.78 2.84
up Axis Bank Financial 28.96 3.19 2.45 2.83
equal ABB India Ltd. Engineering 108.51 3.12 2.70 2.80
equal ICICI Prudential Life Insurance Co. Ltd. Insurance 200.06 3.00 2.69 2.73
equal Grindwell Norton Metals 57.26 3.13 0.18 2.66
equal Neogen Chemicals Chemicals 89.84 3.10 2.61 2.61
equal P&G Hygiene & Health Care FMCG 69.84 3.09 2.55 2.60
equal V-Mart Retail Services -- 3.01 0.25 2.59
equal Abbott India Healthcare 63.77 2.94 2.48 2.48
equal Cipla Healthcare 30.69 2.63 2.37 2.47
up Wabco India Automobile 85.77 2.76 0.00 2.39
equal Timken India Engineering 66.87 2.77 0.00 2.37
equal Bharti Airtel Communication 358.28 2.64 1.83 2.31

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-Aug-2021

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:

— Gaurav Mehta since 20-Jan-2021

Education: Mr. Mehta has done PGBM, IIM Lucknow, B Tech., IIT Bombay, CFA Charter holder, CFA Institute, USA.

Experience: Prior to joining SBI Mutual Fund he has worked with Ambit Investment Advisor, Institutional equities at Ambit Capital & Edelweiss Capital.

Funds Managed:


-0.37%

Change from previous, NAV as on 24-Sep-2021

Growth: ₹ 12.7816

IDCW: ₹ 12.7770


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

Minimum Investment (₹) 5,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 12
Minimum Withdrawal (₹) 500
Minimum 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: 27.82%
Benchmark: S&P BSE 500 TRI
Riskometer: Very High
Type: Open-ended
Assets: ₹ 575 Cr (As on 31-Aug-2021)
Expense: 1.00% (As on 31-Aug-2021)
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

Email: [email protected]

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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