One of two people accused of robbing a 94-year-old man at Harris Park, in Sydney's west, on Monday has been denied bail.

World War Two veteran Clive Diggleman told police he asked two people for help with his shopping bags when they followed him into his home and ransacked it.

Hailey Maree Pugh, 22, and a 28-year-old man were charged yesterday with aggravated burglary to appear in court today.

In denying bail to Pugh, the magistrate at Bankstown Local Court said the elderly victim was extremely lucky not to have been injured and described the accused has having "absolutely no respect for another human being."

Her case has been adjourned until September

A gold chain and crucifix that was allegedly ripped from Mr Diggleman's neck during the raid has been recovered by police.