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SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan download report


1 Lakh

Investment Grown to
₹ 1.09 Lakh

₹ 10000

Monthly SIP Declined to
₹ 1.18 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.

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
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct-G -2.97 1.15 2.08 0.17 -5.38 -4.31 8.82 -- -- -- --
VR Balanced TRI -7.16 -0.14 -0.14 -3.87 -10.11 -9.76 1.28 -- -- -- --
Hybrid: Aggressive Hybrid -6.81 0.98 1.56 -1.40 -7.47 -8.08 2.16 -- -- -- --
Rank within category 3 13 6 2 5 3 3 -- -- -- --
Number of funds in category 46 46 46 46 46 46 46 40 30 23 0

As on 06-Jul-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 Hybrid Plan - Direct Plan
Unrated
Feb-21 8.82 -- -- 1.17% 650
SBI Equity Hybrid Fund - Direct Plan  | Invest Online
4 star
Jan-13 2.99 12.01 11.53 0.84% 50,266
ICICI Prudential Equity & Debt Fund - Direct Plan  | Invest Now
5 star
Jan-13 14.82 16.82 13.35 1.25% 19,096
Canara Robeco Equity Hybrid Fund - Direct Plan  | Invest Online
5 star
Jan-13 1.04 13.54 11.84 0.60% 7,429
Mirae Asset Hybrid Equity Fund - Direct Plan  | Invest Online
4 star
Jul-15 1.88 12.50 11.96 0.42% 6,545

Best & Worst Performance

Best Performance Worst Performance
Return (%) Period Return (%) Period
Week 5.25 07-Mar-2022 - 14-Mar-2022 -4.64 09-Jun-2022 - 16-Jun-2022
Month 9.90 07-Mar-2022 - 06-Apr-2022 -8.47 04-Feb-2022 - 07-Mar-2022
Quarter 14.46 20-Jul-2021 - 19-Oct-2021 -8.49 17-Mar-2022 - 17-Jun-2022
Year 29.50 05-Apr-2021 - 05-Apr-2022 6.04 16-Jun-2021 - 16-Jun-2022

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
SBI Retirement Benefit Fund - Aggressive Hybrid Plan Direct-G -- -- -- -- -- --
VR Balanced TRI* 11.68 18.20 0.45 0.54 -- --
Hybrid: Aggressive Hybrid* 12.27 17.02 0.51 0.56 0.89 1.51
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 30-Jun-2022

Asset Allocation (%)

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Concentration & Valuation

Number of Stocks 36
Top 10 Holdings (%) 45.20
Top 5 Holdings (%) 28.23
Top 3 Sectors (%) 39.29
Portfolio P/B Ratio 3.82
Portfolio P/E Ratio 27.92
Avg Credit Rating GOI/Cash

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 7.26 - 10.16 7.26
equal 7.59% GOI 2026 GOI Securities SOV 5.47 - 7.73 5.47
equal 9.75% Gujarat State 26/02/2024 State Development Loan SOV 0.00 - 1.06 0.79

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 HDFC Bank Financial 20.02 7.21 2.68 5.75
equal ICICI Bank Financial 20.11 5.33 2.47 4.95
equal National Highways Infra Trust Construction -- 4.80 0.00 4.80
up Infosys Technology 28.39 4.58 0.00 4.58
equal HDFC Financial 17.89 4.31 0.00 3.65
up Maruti Suzuki India Automobile 67.24 3.05 0.00 3.05
equal The Indian Hotels Company Services -- 3.18 1.87 2.89
equal State Bank of India Financial 12.10 3.89 2.80 2.80
equal Grindwell Norton Metals & Mining 65.54 3.24 0.15 2.76
up Ultratech Cement Materials 22.91 2.62 0.00 2.62
equal Axis Bank Financial 14.31 3.07 1.69 2.57
up Larsen & Toubro Construction 25.23 2.54 0.00 2.54
equal Chalet Hotels Services -- 2.50 0.00 2.46
equal ABB India Ltd. Capital Goods 70.98 2.45 2.12 2.44
equal Timken India Capital Goods 58.15 2.31 0.00 2.31
equal Cholamandalam Investment & Finance Company Financial 24.55 2.60 1.75 2.17
equal Esab India Capital Goods 64.59 2.28 1.57 2.06
equal Hindalco Inds. Metals & Mining 5.58 2.81 1.89 1.89
equal Cipla Healthcare 30.42 2.26 1.75 1.79
equal Abbott India Healthcare 51.05 2.39 1.63 1.75
equal V-Mart Retail Services 424.40 2.61 0.24 1.73
equal ZF Commercial Vehicle Control Systems India Automobile 106.53 2.23 0.00 1.73
equal AIA Engineering Metals & Mining 35.78 2.13 0.00 1.68
equal Page Industries Textiles 90.68 3.12 1.53 1.67
equal ICICI Prudential Life Insurance Co. Ltd. Insurance -- 2.60 1.58 1.65

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-May-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:


1.15%

Change from previous, NAV as on 06-Jul-2022

Growth: ₹ 12.3241

IDCW: ₹ 12.3255


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: 16.10%
Benchmark: CRISIL Hybrid 35+65 Aggressive Index
Riskometer: Very High
Type: Open-ended
Assets: ₹ 650 Cr (As on 31-May-2022)
Expense: 1.17% (As on 31-May-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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