Which has the lower expense ratio, HDFC Gilt Fund - Growth Plan or SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth?

HDFC Gilt Fund - Growth Plan's expense ratio is 0.77% versus SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth's 1.1%. A lower expense ratio directly improves your net returns over the long term, all else being equal.

Can I invest in both HDFC Gilt Fund - Growth Plan and SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth?

Yes, but check for portfolio overlap first if both funds are in the same category — holding two funds with very similar underlying stocks reduces the diversification benefit of investing in more than one fund.

HDFC Gilt Fund - Growth Plan vs SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth

Q: HDFC Gilt Fund - Growth Plan vs SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth — which has given better returns?

HDFC Gilt Fund - Growth Plan has a 1-year return of 3.33% versus SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth's -0.27%. Compare NAV, expense ratio and star rating above before deciding, and check consistency over 3-5 years rather than a single year.

Side-by-side comparison of NAV, returns, expense ratio and star rating.

HDFC Gilt Fund - Growth Plan

HDFC Mutual Fund

★★★★★

Equity · Flexi Cap

SBI Retirement Benefit Fund - Aggressive Plan - Direct Plan - Growth

SBI Mutual Fund

★★★★★

Equity · Flexi Cap

Metric	HDFC Gilt Fund - Growt...	SBI Retirement Benefit...
NAV	₹57.15	₹21.21
Star Rating	★★★★★	★★★
Expense Ratio	0.77%	1.1%
AUM	₹106,495 Cr	₹3,113 Cr
1M Return	+1.97%	+0.17%
3M Return	+1.6%	+1.4%
6M Return	+0.54%	+2.52%
1Y Return	+3.33%	-0.27%
3Y CAGR	+17.35%	+9.8%
5Y CAGR	+18.88%	+12.97%
Risk Level	—	—
Fund Manager	Prashant Jain	Dinesh Ahuja

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