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Unrated

SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan


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.

Aggressive hybrid funds invest 65-80 per cent of your money in equity shares and the rest in bonds. Their returns are slightly lower than those of pure equity funds which invest all your money in shares, but they also fall relatively less when the stock markets decline. This makes them suitable for conservative equity investors or first-time equity investors who are not used to sharp ups and downs.

Like for all equity-linked investments, 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 aggressive hybrid 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 -- -0.82 0.73 5.31 11.50 23.00 -- -- -- -- --
VR Balanced TRI -- 0.56 1.34 6.03 10.76 16.89 -- -- -- -- --
Hybrid: Aggressive Hybrid -- -0.44 0.99 4.47 10.32 18.92 -- -- -- -- --
Rank within category -- 48 31 10 10 5 -- -- -- -- --
Number of funds in category 49 50 50 50 50 50 47 39 31 27 24

As on 17-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 Hybrid Plan - Regular Plan
Unrated
Feb-21 -- -- -- 2.49 540
SBI Equity Hybrid Fund  | Invest Online
4 star
Dec-95 43.51 16.35 13.97 1.65 45,748
ICICI Prudential Equity & Debt Fund  | Invest Now
4 star
Nov-99 60.99 16.45 14.55 1.80 17,880
DSP Equity & Bond Fund  | Invest Online
4 star
May-99 46.21 17.47 13.87 1.87 7,516
Canara Robeco Equity Hybrid Fund - Regular Plan  | Invest Online
5 star
Feb-93 40.95 17.57 14.73 1.93 6,493

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 3.73 25-Mar-2021 - 01-Apr-2021 -2.77 10-Mar-2021 - 18-Mar-2021
Month 7.22 23-Apr-2021 - 25-May-2021 -2.38 17-Feb-2021 - 19-Mar-2021
Quarter 13.61 12-Apr-2021 - 12-Jul-2021 4.69 18-Feb-2021 - 20-May-2021
Year -- - -- -

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR Balanced TRI* 14.75 18.44 0.58 0.69 -- --
Hybrid: Aggressive Hybrid* 13.56 17.66 0.54 0.59 0.91 -0.19
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 Holdings (%) 40.23
Top 5 Holdings (%) 25.89
Top 3 Sectors (%) 27.27
Portfolio P/B Ratio 4.35
Portfolio P/E Ratio 35.05
Avg Credit Rating AAA

Value Research Equity Fund Style

Value Research Debt Fund Style

Credit Rating vis-à-vis Category

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Top Debt Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 5.15% GOI 2025 GOI Securities SOV 9.18 - 31.31 9.18
equal 7.59% GOI 2026 GOI Securities SOV 0.00 - 7.73 6.96
equal 9.75% Gujarat State 26/02/2024 State Development Loan SOV 0.00 - 1.06 1.01
down Powergrid Infrastructure Investment Trust Infrastructure Investment Trust -- 0.00 - 1.09 0.64

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

Sector Allocation vis-à-vis Category

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Top Equity Holdings

Company Sector P/E 3Y High 3Y Low % Assets
equal HCL Technologies Technology 30.04 3.80 3.20 3.49
equal ICICI Bank Financial 24.94 3.38 2.82 3.14
equal Relaxo Footwears FMCG 97.75 3.47 2.90 3.12
equal State Bank of India Financial 16.20 3.89 3.06 3.06
equal Sona BLW Precision Forgings Automobile 154.63 2.89 0.00 2.89
equal HDFC Bank Financial 26.70 3.79 2.68 2.81
equal Page Industries Textiles 94.28 3.12 2.80 2.80
equal Hindalco Inds. Metals 15.23 2.81 2.47 2.78
equal Divi's Laboratories Healthcare 66.40 2.69 2.07 2.68
equal Navin Fluorine International Chemicals 74.30 2.87 2.33 2.66
equal Grindwell Norton Metals 58.47 2.76 0.15 2.50
equal ICICI Prudential Life Insurance Co. Ltd. Insurance 208.84 2.60 2.21 2.50
equal ABB India Ltd. Engineering 106.48 2.45 2.12 2.30
equal Abbott India Healthcare 61.67 2.39 2.22 2.29
equal V-Mart Retail Services -- 2.61 0.24 2.29
equal Neogen Chemicals Chemicals 81.27 2.52 2.13 2.16
up Cholamandalam Investment & Finance Company Financial 35.10 2.60 1.79 2.13
equal ICICI Lombard General Insurance Company Insurance 64.10 2.07 0.00 2.07
equal Bharti Airtel Communication 352.93 2.16 1.64 2.06
equal Cipla Healthcare 30.28 2.26 2.05 2.05
up Axis Bank Financial 29.30 2.27 1.69 2.03
equal Timken India Engineering 64.35 2.17 0.00 2.03
equal V-Guard Industries Consumer Durable 50.14 2.74 2.02 2.02
equal P&G Hygiene & Health Care FMCG 69.34 2.46 1.92 1.99
up Wabco India Automobile 87.03 2.23 0.00 1.91

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:


-0.82%

Change from previous, NAV as on 17-Sep-2021

Growth: ₹ 12.1532

IDCW: ₹ 12.1530


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: 21.53%
Benchmark: CRISIL Hybrid 35+65 Aggressive Index
Riskometer: Very High
Type: Open-ended
Assets: ₹ 540 Cr (As on 31-Aug-2021)
Expense: 2.49% (As on 31-Jul-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

Upcoming Video

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DateThursday, 30-Sep-2021
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