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Home Mf Research Aditya Birla Sun Life Retirement Fund 50s Plan Regular Plan Growth
Aditya Birla Sun Life Mutual Fund

Aditya Birla Sun Life Retirement Fund - 50s Plan - Regular Plan - Growth

Solution Oriented Solution Oriented Retirement
Fund House : Aditya Birla Sun Life Mutual Fund
Overview
Returns
Portfolio
SIP Calculator
Analysis
Peer Comparison
Fund Family
Scheme Details
-
-
  • 1W
  • 2W
  • 1M
  • 3M
  • 6M
  • 1Y
  • 3Y
  • 5Y
  • SI
NAV (as on 2025-06-03)
14.42 -0.07%
Fund Size (Total Assets)
-
Expense Ratio (Regular)
2.07%
Expense Ratio (Direct)
0.84%
SIP Returns
Period Invested for ₹1000 SIP Started on Investments Latest Value Abs. Returns
One Week 2025-05-27 ₹1,000.00 ₹1,000.64
0.06 %
Two Week 2025-05-19 ₹1,000.00 ₹1,000.78
0.08 %
1 Month 2025-05-05 ₹1,000.00 ₹1,010.55
1.06 %
Three Months 2025-03-05 ₹3,000.00 ₹3,090.13
3.00 %
Six Months 2024-12-05 ₹6,000.00 ₹6,178.20
2.97 %
One Year 2024-06-03 ₹12,000.00 ₹12,451.80
3.76 %
Three Year 2022-06-06 ₹36,000.00 ₹41,234.83
14.54 %
Five Year 2020-06-04 ₹60,000.00 ₹72,032.85
20.05 %
Since Inception 2019-03-11 ₹76,000.00 ₹93,877.32
23.52 %
Portfolio Summary
Company Name Sector Sector Type Nav(in %)
ICICI Bank Limited Banks Equity 2.25
HDFC Bank Limited Banks Equity 1.82
State Bank of India Banks Equity 3.15
Utkarsh Small Finance Bank Ltd Banks Equity 1.58
Union Bank of India Banks Equity 0.99
Bank of Baroda Banks Equity 1.54
IndusInd Bank Limited Banks Equity 0.09
Infosys Limited IT - Software Equity 1.67
Coforge Limited IT - Software Equity 1.38
Sun Pharmaceutical Industries Limited Pharmaceuticals & Biotechnology Equity 0.86
Strides Pharma Science Limited Pharmaceuticals & Biotechnology Equity 0.49
Torrent Pharmaceuticals Limited Pharmaceuticals & Biotechnology Equity 0.37
Cipla Limited Pharmaceuticals & Biotechnology Equity 0.17
Reliance Industries Limited Petroleum Products Equity 1.60
Dixon Technologies (India) Limited Consumer Durables Equity 0.40
Voltas Limited Consumer Durables Equity 1.50
Titan Company Limited Consumer Durables Equity 0.77
La Opala RG Limited Consumer Durables Equity 0.44
Somany Ceramics Limited Consumer Durables Equity 0.48
UltraTech Cement Limited Cement & Cement Products Equity 0.80
Larsen & Toubro Limited Construction Equity 1.12
TD Power Systems Limited Electrical Equipment Equity 1.73
Thermax Limited Electrical Equipment Equity 0.60
Brigade Enterprises Limited Realty Equity 0.60
CIE Automotive India Ltd Auto Components Equity 1.46
Sona BLW Precision Forgings Limited Auto Components Equity 0.37
SJS Enterprises Pvt Limited Auto Components Equity 1.71
Bharti Hexacom Limited Telecom - Services Equity 3.43
Bajaj Auto Limited Automobiles Equity 0.59
Tata Motors Limited Automobiles Equity 0.38
RHI Magnesita India Limited Industrial Products Equity 1.23
TIMKEN INDIA LTD Industrial Products Equity 1.52
NTPC Limited Power Equity 2.68
SBFC Finance Ltd Finance Equity 0.76
Bajaj Finance Limited Finance Equity 0.24
Cholamandalam Investment and Finance Company Limited Finance Equity 0.22
Fortis Healthcare Limited Healthcare Services Equity 0.57
ITC Limited Diversified FMCG Equity 1.63
Max Financial Services Limited Insurance Equity 0.53
Star Health & Allied Insurance Limited Insurance Equity 1.30
Godrej Consumer Products Limited Personal Products Equity 0.56
Flair Writing Industries Ltd Household Products Equity 1.06
Vinati Organics Limited Chemicals & Petrochemicals Equity 1.65
Oil & Natural Gas Corporation Limited Oil Equity 0.95
Westlife Development Ltd Leisure Services Equity 1.03
Container Corporation of India Limited Transport Services Equity 1.13
Government of India Government Bond Debt 2.76
REC Limited Fixed Rates Bonds - Corporate Debt 3.60
HDFC Bank Limited Banks Debt 7.48
Tamil Nadu State Government Bond Debt 5.53
Government of India Cash Management Bills Cash 0.99
Cash & Current Assets Cash Cash 10.60
Axis Bank Limited Banks Equity 1.51
Hindalco Industries Limited Non - Ferrous Metals Equity 0.76
Zomato Limited Retailing Equity 1.03
Government of India Cash Management Bills DEBT 0.55
Bharti Airtel Limited Telecom - Services Equity 0.79
V-Guard Industries Limited Consumer Durables Equity 0.52
ICICI Bank Limited Banks Debt 2.25
State Bank of India Banks Debt 0.88
Utkarsh Small Finance Bank Ltd Banks Debt 0.48
Bank of Baroda Banks Debt 0.39
Sun Pharmaceutical Industries Limited Pharmaceuticals & Biotechnology Debt 0.86
Strides Pharma Science Limited Pharmaceuticals & Biotechnology Debt 0.49
Torrent Pharmaceuticals Limited Pharmaceuticals & Biotechnology Debt 0.37
Cipla Limited Pharmaceuticals & Biotechnology Debt 0.17
GOI 08APR26 Government Bond DEBT 45.12
GOI (MD 05/12/2033) Government Bond DEBT 17.54
REC Limited Corporate Bond DEBT 10.83
HDFC Bank Limited Corporate Bond DEBT 6.19
7.25% MAHARASHTRA 28DEC2026 SDL State Government Bond DEBT 1.51
7.98% UTTAR PRADESH 14OCT2025 SDL State Government Bond DEBT 1.45
HARYANA 31MAR2026 SDL State Government Bond DEBT 1.23
MAHARASHTRA SDL 12AUG25 State Government Bond DEBT 0.31
KARNATAKA 06NOV2025 SDL State Government Bond DEBT 0.12
Government of India Cash Management Bills Cash, Cash Equivalents 0.55
SIP Calculator
Risk Ratios
Standard Deviation
-
Beta
-
Sharpe Ratio
-
Lock In Period
-
Residual Maturity
3.14
Standard Deviation:
Standard deviation numbers measure the variability or volatility of a fund's returns over a specific time period (often 3 years).
  • Low standard deviation = Stable, predictable returns → Suitable for conservative investors seeking stability.
  • High standard deviation = High volatility, more risk → Be cautious, suitable for risk-tolerant investors who can handle fluctuations.
Beta:
Beta measures a fund's volatility about the market or a benchmark. A lower beta means the fund's performance is less sensitive to market movements, making it more predictable compared to the market.
  • Low beta = Less sensitive to market changes → Great for investors with less market exposure.
  • High beta = More sensitive to market changes → Better for aggressive investors who seek higher returns but can handle market risks.
Sharpe Ratio:
The Sharpe Ratio measures how much return a fund has made compared to the risk it carries. A higher Sharpe ratio indicates better returns relative to the risk taken, meaning the fund delivers more efficiently.
  • A higher Sharpe ratio indicates better risk-adjusted returns → Look for funds with higher ratios for better return efficiency.
  • Use it to compare different funds' efficiency in generating returns relative to the risk taken.
Lock-In Period:

India's "lock-in period" in mutual funds encourages long-term investment, particularly in tax-saving schemes preventing redemption or selling of units.

Lock-in times for various investment types

  • Most ELSS mutual fund holders hold for 3 years.
  • Tax savings FDs lock in for 5 years.
  • The lock-in period for 8% Government of India bond investment is 6 years.
  • ULIPs must be locked in for 5 years.
  • The average hedge fund holding period is 30-90 days.
  • The average PPF investor holds onto their money for 15 years.
Residual Maturity:

Residual maturity is the remaining time until a security reaches its maturity date. It is an important factor for investors to consider when evaluating the risk associated with an investment.

There are two different types of residual maturity.

  • Short-term residual maturity: This occurs when a security has less than a year left on its maturity.
  • Long-term residual maturity: This occurs when a security has more than a year left on its remaining maturity.
Scheme Details
  • Fund manager(s) : Mr. Harshil Suvarnkar (3.3 years), Mr. Dhaval Shah (3.3 years), Mr. Dhaval Joshi (3.3 years),
  • Expense ration regular : 2.07
  • Expense ration direct : 0.84
  • Launch date : -
  • Benchmark : -
  • Min SIP amount : -
  • Max SIP amount : -
  • Min investment amount (one time- first time) : ₹500.00
  • Type : solution_oriented
Exit load
Nil

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