SBI Children's Fund - Investment Plan vs SBI Retirement Benefit Fund - Aggressive Hybrid Plan
SBI Children's Fund - Investment Plan and SBI Retirement Benefit Fund - Aggressive Hybrid Plan are both Retirement Funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +21.44% vs +10.38%, 5-year CAGR +18.28% vs +10.68%, volatility 16.06% vs 12.53%, maximum drawdown −15.74% vs −14.49%. Their portfolios overlap by 14.6% (9 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
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Fund house | SBI Mutual Fund | SBI Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹53.6258 | ₹21.1008 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 7 Oct 2020 | 17 Feb 2021 |
| Track record | 6.1 yrs | 5.7 yrs |
| Fund size (AUM) | ₹7,949 Cr | ₹1,587 Cr |
| Securities held | 39 | 60 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| 1 month | −0.12% | +4.09% |
| 3 months | −0.37% | +0.36% |
| 6 months | +6.25% | +4.73% |
| 1 year | +11.50% | +4.23% |
| 3 years (CAGR) | +21.44% | +10.38% |
| 5 years (CAGR) | +18.28% | +10.68% |
| 7 years (CAGR) | — | — |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +31.58% | +13.71% |
| SIP return (XIRR, 5 years) ⓘ | +19.45% | +10.09% |
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
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| 2026 (year to date) | +13.28% | +2.70% |
| 2025 | +4.23% | +8.06% |
| 2024 | +40.18% | +11.61% |
| 2023 | +31.47% | +24.40% |
| 2022 | +6.24% | +7.80% |
| 2021 | +80.01% | — |
Risk
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 16.06% | 12.53% |
| Downside volatility ⓘ | 8.86% | 8.87% |
| Sharpe ratio ⓘ | 0.93 | 0.31 |
| Sortino ratio ⓘ | 1.69 | 0.44 |
| Maximum drawdown ⓘ | −15.74% | −14.49% |
| Recovery from that fall | 6 months | 8 months |
| Current fall from peak | −1.91% | −1.21% |
| Rolling 1-year return: worst | +0.37% | −5.15% |
| Rolling 1-year return: median | +21.30% | +10.31% |
| Rolling 1-year return: best | +130.14% | +31.26% |
| Share of 1-year periods with a loss | 0.00% | 5.12% |
Against each fund's benchmark
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Beta ⓘ | 0.83 | 0.80 |
| Alpha (Jensen's, annualised) ⓘ | +11.08% | +0.72% |
| R² ⓘ | 58.14 | 90.97 |
| Upside capture | 116.58% | 84.66% |
| Downside capture | 55.45% | 74.01% |
| Tracking error | 10.73% | 4.78% |
| Information ratio | 1.10 | 0.11 |
| Treynor ratio | 16.65 | 3.12 |
Portfolio
Asset mix
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Equity | 74.50% | 77.54% |
| Cash & equivalents | 12.88% | 4.56% |
| Foreign Securities | 12.25% | 0.00% |
| Debt | 0.37% | 0.58% |
| Gold | 0.00% | 9.26% |
| REITs / InvITs | 0.00% | 8.06% |
Market-cap split (share of fund assets)
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Large Cap | 19.34% | 37.46% |
| Mid Cap | 3.45% | 19.28% |
| Small Cap | 51.71% | 19.37% |
| Unclassified | 0.00% | 1.43% |
Concentration
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Top 10 holdings | 39.29% | 37.81% |
| Effective number of stocks ⓘ | 37.4 | 38.3 |
| Securities held | 39 | 60 |
Portfolio overlap: 14.6%
9 companies are held by both funds; by weight, 14.6% of the two portfolios is the same. That is a low overlap: the two portfolios are largely different.
| Held by both | SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Aggressive Hybrid Plan |
|---|---|---|
| State Bank of India | 4.35% | 2.89% |
| ICICI Bank Limited | 2.49% | 4.62% |
| Kotak Mahindra Bank Limited | 3.67% | 2.19% |
| Bajaj Finance Limited | 2.53% | 1.70% |
| Sona BLW Precision Forgings Limited | 3.45% | 1.57% |
| Navin Fluorine International Limited | 1.22% | 1.66% |
| Jubilant Foodworks Limited | 2.87% | 1.19% |
| Honeywell Automation India Limited | 1.68% | 0.97% |
| Brigade Hotel Ventures Ltd. | 0.39% | 0.56% |
Top 10 holdings
SBI Children's Fund - Investment Plan
- Alphabet Inc A5.40%
- Thangamayil Jewellery Limited4.46%
- State Bank of India4.35%
- Hatsun Agro Product Ltd.3.83%
- Renew Energy Global3.77%
- Kotak Mahindra Bank Limited3.67%
- Adani Enterprises Limited3.65%
- Aequs Limited3.52%
- Sona BLW Precision Forgings Limited3.45%
- The Ramco Cements Limited3.19%
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
| SBI Children's Fund - Investment Plan | SBI Retirement Benefit Fund - Aggressive Hybrid Plan | |
|---|---|---|
| Banks | 10.51% | 14.70% |
| Mutual Fund/ETF | 0.00% | 9.26% |
| Food Products | 7.90% | 0.00% |
| Transport Infrastructure | 0.00% | 7.19% |
| Consumer Durables | 7.00% | 3.11% |
| Automobiles | 0.00% | 5.81% |
| Pharmaceuticals & Biotechnology | 0.00% | 5.79% |
| IT - Services | 5.43% | 0.00% |
| IT - Software | 5.40% | 2.95% |
| Auto Components | 5.31% | 4.29% |
| Finance | 5.25% | 3.48% |
| Retailing | 0.00% | 5.11% |
| Leisure Services | 4.69% | 2.94% |
| Industrial Products | 0.00% | 4.05% |
Questions people ask
What is the difference between SBI Children's Fund - Investment Plan and SBI Retirement Benefit Fund - Aggressive Hybrid Plan returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +11.50% vs +4.23%; 3-year CAGR +21.44% vs +10.38%; 5-year CAGR +18.28% vs +10.68%; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do SBI Children's Fund - Investment Plan and SBI Retirement Benefit Fund - Aggressive Hybrid Plan compare on risk?
Volatility (36 monthly returns, annualised) 16.06% vs 12.53%; Sharpe ratio 0.93 vs 0.31; Sortino ratio 1.69 vs 0.44; maximum drawdown −15.74% vs −14.49%; beta 0.83 vs 0.80.
How much do SBI Children's Fund - Investment Plan and SBI Retirement Benefit Fund - Aggressive Hybrid Plan overlap?
By weight, 14.6% of the two portfolios is invested in the same companies; 9 stocks are held by both, the largest shared positions being State Bank of India, ICICI Bank Limited, Kotak Mahindra Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of SBI Children's Fund - Investment Plan and SBI Retirement Benefit Fund - Aggressive Hybrid Plan?
SBI Children's Fund - Investment Plan: large cap 19.3%, mid cap 3.5%, small cap 51.7%. 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 6 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.