MonitorDirect · Growth
SBI Retirement Benefit Fund - Aggressive Plan
SBI Mutual FundSolution Oriented Scheme - Retirement Fund5.6 years
- NAV
- 21.1866
- 15 Sept 2026
- 1Y
- +0.1%
- Trailing CAGR
- AUM
- ₹3,241.71 Cr
- 31 Aug 2026
- Volatility
- Medium
- 13.0% annualized
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+0.1%
- 3Y+7.4%
- 5Y+10.8%
- 10Yn/a
- SI+14.1%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+0.5%
- 3Y+3.5%
- 5Y+8.8%
- 10Yn/a
- Since inception
- +14.1%
- Calendar-day CAGR
- Excess 1Y
- -4.6%
- Category median, same plan and option
- 3Y win rate
- +82%
- Windows beating the median
- 3Y percentile
- 22
- Vs comparable share classes
- Worst rolling 3Y
- +7.4%
- 644 daily-ending windows
- Median rolling 3Y
- +15.2%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 145 daily-ending windows
- SIP 3Y XIRR
- +3.5%
- Simulated monthly SIP
Drawdown
Peak to trough from a running NAV high. Move across the path to read a date.
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 72 recovered episodes
- Longest recovery
- 45 days
- Trough to prior peak
- Current spell
- 719 days
- Days below latest peak
- Time below peak
- +86%
- NAV observations
26 Sept 2024 – open
Trough 7 Apr 2025 · not recovered
-17.9%
17 Jan 2022 – 1 Aug 2022
Trough 17 Jun 2022 · recovered in 45 days
-13.8%
12 Nov 2021 – 12 Jan 2022
Trough 20 Dec 2021 · recovered in 23 days
-8.3%
14 Dec 2022 – 8 May 2023
Trough 28 Mar 2023 · recovered in 41 days
-7.2%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
22
Vs category
21
Consistency
73
Risk-adjusted
60
Drawdown
55
Mean
46
Portfolio
31 Aug 2026 · 59 holdings · top 10 are 35.4%.
- Top 5
- 22.5%
- Top 10
- 35.4%
- Largest holding
- 5.9%
- Effective holdings
- 41.6
ICICI Bank Ltd
Financial
5.9%
HDFC Bank Ltd
Financial
5.8%
Larsen & Toubro Ltd
Industrials
3.9%
State Bank of India
Financial
3.8%
Maruti Suzuki India Ltd
Consumer Discretionary
3.2%
What changed
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
11 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
10 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
9 Sept 2026
PERFORMANCE
Recent rolling excess versus the category median has deteriorated.
8 Sept 2026
Decision
Quantitative read of the live evidence. An explanation can only restate what is already here.
As of 15 Sept 2026
Monitor
Engine status
Monitor
Recent evidence
Why this status
- Long-term category-relative performance remains stronger than the most recent rolling 1-year windows, which have deteriorated across multiple periods.
- Three-year return sits below the 25th percentile of comparable share classes.
Supporting reads
- The fund beat the category median in 82% of rolling 3-year windows.
- Risk-adjusted return sits above the documented risk-free proxy.
Worth investigating
Same-category peers with enough history to inspect beside this fund.
SBI Retirement Benefit Fund - Aggressive Hybrid Plan
SBI Mutual Fund
- 1Y
- +2.9%
- 3Y
- +8.5%
- Vol
- 10.7%
- Max DD
- -14.5%
- Sharpe
- 0.76
- 3Y win
- +95%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Tata Retirement Savings Fund-Moderate Plan
Tata Mutual Fund
- 1Y
- +7.4%
- 3Y
- +12.1%
- Vol
- 12.9%
- Max DD
- -29.6%
- Sharpe
- 0.77
- 3Y win
- +97%
- Lower volatility
- Higher win rate vs category
- Higher trailing returns
Caveat: Deeper drawdown
Union Retirement Fund
Union Mutual Fund
- 1Y
- +3.0%
- 3Y
- +11.9%
- Vol
- 13.2%
- Max DD
- -17.8%
- Sharpe
- 0.79
- 3Y win
- +100%
- Shallower drawdown
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +5.1%
- 3Y
- +8.2%
- Vol
- 3.2%
- Max DD
- -5.0%
- Sharpe
- 0.61
- 3Y win
- 0%
- Lower volatility
- Shallower drawdown
- Higher trailing returns
ICICI Prudential Retirement Fund Hybrid Conservative Plan
ICICI Prudential Mutual Fund
- 1Y
- +6.0%
- 3Y
- +9.8%
- Vol
- 4.6%
- Max DD
- -10.2%
- Sharpe
- 0.99
- 3Y win
- +13%
- Lower volatility
- Shallower drawdown
- Higher trailing returns