BANDHAN RETIREMENT FUND vs SBI Retirement Benefit Fund - Aggressive Hybrid Plan
BANDHAN RETIREMENT FUND and SBI Retirement Benefit Fund - Aggressive Hybrid Plan are both Retirement Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +10.52% vs +10.55%, 5-year CAGR — vs +10.62%, volatility 9.35% vs 12.49%, maximum drawdown −9.77% vs −14.49%. Their portfolios overlap by 19.7% (8 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| BANDHAN RETIREMENT | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Fund house | Bandhan Mutual Fund | SBI Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹13.4230 | ₹21.0339 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 19 Oct 2023 | 17 Feb 2021 |
| Track record | 3.0 yrs | 5.7 yrs |
| Fund size (AUM) | ₹174 Cr | ₹1,587 Cr |
| Securities held | 51 | 60 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| BANDHAN RETIREMENT | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| 1 month | +4.95% | +3.24% |
| 3 months | +0.26% | −0.21% |
| 6 months | +2.42% | +4.08% |
| 1 year | +1.47% | +3.33% |
| 3 years (CAGR) | +10.52% | +10.55% |
| 5 years (CAGR) | — | +10.62% |
| 7 years (CAGR) | — | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +10.16% | +13.66% |
| SIP return (XIRR, 5 years) ⓘ | — | +9.95% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| BANDHAN RETIREMENT | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| 2026 (year to date) | +0.40% | +2.38% |
| 2025 | +8.38% | +8.06% |
| 2024 | +14.67% | +11.61% |
| 2023 | — | +24.40% |
| 2022 | — | +7.80% |
Risk
| BANDHAN RETIREMENT | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 9.35% | 12.49% |
| Downside volatility ⓘ | 6.66% | 8.87% |
| Sharpe ratio ⓘ | 0.43 | 0.33 |
| Sortino ratio ⓘ | 0.61 | 0.46 |
| Maximum drawdown ⓘ | −9.77% | −14.49% |
| Recovery from that fall | — | 8 months |
| Current fall from peak | −0.37% | −1.52% |
| Rolling 1-year return: worst | −4.64% | −5.15% |
| Rolling 1-year return: median | +6.11% | +10.31% |
| Rolling 1-year return: best | +25.81% | +31.26% |
| Share of 1-year periods with a loss | 7.99% | 5.12% |
Against each fund's benchmark
| BANDHAN RETIREMENT | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Beta ⓘ | 0.61 | 0.80 |
| Alpha (Jensen's, annualised) ⓘ | +1.02% | +0.72% |
| R² ⓘ | 94.09 | 90.97 |
| Upside capture | 72.35% | 84.66% |
| Downside capture | 55.49% | 74.01% |
| Tracking error | 6.22% | 4.78% |
| Information ratio | 0.11 | 0.11 |
| Treynor ratio | 4.29 | 3.12 |
Portfolio
Asset mix
| BANDHAN RETIREMENT | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Equity | 74.12% | 77.54% |
| Debt | 22.01% | 0.58% |
| Cash & equivalents | 3.87% | 4.56% |
| Gold | 0.00% | 9.26% |
| REITs / InvITs | 0.00% | 8.06% |
Market-cap split (share of fund assets)
| BANDHAN RETIREMENT | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Large Cap | 58.47% | 37.46% |
| Mid Cap | 10.84% | 19.28% |
| Small Cap | 4.81% | 19.37% |
| Unclassified | 0.00% | 1.43% |
Concentration
| BANDHAN RETIREMENT | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Top 10 holdings | 60.53% | 37.81% |
| Effective number of stocks ⓘ | 14 | 38.3 |
| Securities held | 51 | 60 |
Portfolio overlap: 19.7%
8 companies are held by both funds; by weight, 19.7% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | BANDHAN RETIREMENT | SBI Retirement Benefit Fund - Aggressive Hybrid Plan |
|---|---|---|
| HDFC Bank Limited | 6.50% | 5.00% |
| ICICI Bank Limited | 5.61% | 4.62% |
| Maruti Suzuki India Limited | 2.67% | 2.46% |
| Larsen & Toubro Limited | 2.26% | 3.21% |
| Kotak Mahindra Bank Limited | 4.37% | 2.19% |
| Bajaj Finserv Limited | 1.79% | 1.19% |
| Bajaj Finance Limited | 1.10% | 1.70% |
| Berger Paints (I) Limited | 0.91% | 0.86% |
Top 10 holdings
BANDHAN RETIREMENT
- 7.3% GOI (MD 19/06/2053)22.01%
- Reliance Industries Limited6.56%
- HDFC Bank Limited6.50%
- ICICI Bank Limited5.61%
- Kotak Mahindra Bank Limited4.37%
- Titan Company Limited3.66%
- Bharti Airtel Limited3.35%
- Infosys Limited3.13%
- Axis Bank Limited2.67%
- Maruti Suzuki India Limited2.67%
SBI Retirement Benefit Fund - Aggressive Hybrid Plan
- SBI Gold ETF9.26%
- HDFC Bank Limited5.00%
- ICICI Bank Limited4.62%
- Larsen & Toubro Limited3.21%
- State Bank of India2.89%
- National Highways Infra Trust2.79%
- Altius Telecom Infrastructure Trust2.73%
- Cube Highways Trust2.54%
- Maruti Suzuki India Limited2.46%
- UltraTech Cement Limited2.31%
Sector exposure
| BANDHAN RETIREMENT | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Sovereign | 22.01% | 0.26% |
| Banks | 19.15% | 14.70% |
| Mutual Fund/ETF | 0.00% | 9.26% |
| Transport Infrastructure | 0.00% | 7.19% |
| Petroleum Products | 6.56% | 0.00% |
| IT - Software | 5.91% | 2.95% |
| Automobiles | 4.26% | 5.81% |
| Pharmaceuticals & Biotechnology | 1.94% | 5.79% |
| Retailing | 2.73% | 5.11% |
| Consumer Durables | 4.57% | 3.11% |
| Finance | 4.44% | 3.48% |
| Auto Components | 1.11% | 4.29% |
| Industrial Products | 0.00% | 4.05% |
| Chemicals & Petrochemicals | 1.66% | 3.81% |
Questions people ask
What is the difference between BANDHAN RETIREMENT and SBI Retirement Benefit Fund - Aggressive Hybrid Plan returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +1.47% vs +3.33%; 3-year CAGR +10.52% vs +10.55%; 5-year CAGR — vs +10.62%; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do BANDHAN RETIREMENT and SBI Retirement Benefit Fund - Aggressive Hybrid Plan compare on risk?
Volatility (36 monthly returns, annualised) 9.35% vs 12.49%; Sharpe ratio 0.43 vs 0.33; Sortino ratio 0.61 vs 0.46; maximum drawdown −9.77% vs −14.49%; beta 0.61 vs 0.80.
How much do BANDHAN RETIREMENT and SBI Retirement Benefit Fund - Aggressive Hybrid Plan overlap?
By weight, 19.7% of the two portfolios is invested in the same companies; 8 stocks are held by both, the largest shared positions being HDFC Bank Limited, ICICI Bank Limited, Maruti Suzuki India Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of BANDHAN RETIREMENT and SBI Retirement Benefit Fund - Aggressive Hybrid Plan?
BANDHAN RETIREMENT: large cap 58.5%, mid cap 10.8%, small cap 4.8%. SBI Retirement Benefit Fund - Aggressive Hybrid Plan: large cap 37.5%, mid cap 19.3%, small cap 19.4% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 5 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.