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Aditya Birla Sun Life Retirement Fund - The 30s Plan

Retirement SolutionsVery HighOPEN-ENDED
Invest Now
NAV as on 25 Sep 2026
₹22.37+0.09%1 day
Return since launch
11.2%
52-week range
₹18.16 — ₹23.18
AUM
₹487 Cr

Aditya Birla Sun Life Retirement Fund - The 30s Plan is a Retirement Solutions equity fund from Aditya Birla Sun Life Mutual Fund with ₹487 Cr under management, launched in 2019. Over three years it has returned 12.1% a year, against 11.6% for its category. The expense ratio is 2.64% and the SEBI riskometer reading is Very High.

Performance

Returns

How the fund has done against its category and its benchmark.

Trailing returns
PeriodFundvs categoryCategoryBenchmark
1Y14.6%+10.9 pts3.6%2.5%
2Y12.1%+9.7 pts2.5%3.2%
3Y12.1%+0.5 pts11.6%4.9%
5Y13.5%+2.7 pts10.8%9.8%
7Y13.3%+3.7 pts9.6%12.3%

Fund against category

1Y
Fund14.6%
Category3.6%
3Y
Fund12.1%
Category11.6%
5Y
Fund13.5%
Category10.8%

Since launch (19 Feb 2019): 11.2%

Calendar-year returns

Category average
Show as a table
Calendar-year returns
PeriodFundvs categoryCategory
20258.4%+1.6 pts6.8%
202417.8%−2.0 pts19.8%
202321.3%−10.2 pts31.5%
20220.3%−3.8 pts4.1%
202112.5%−20.8 pts33.3%
202014.7%+1.2 pts13.5%

Returns over one year are annualised. Shorter periods are absolute.

Costs & terms

Costs and terms

What the fund charges each year, and the rules around putting money in and taking it out.

Costs

2.64%

Expense ratio as on 24 Sep 2026

Charged yearly and already deducted from the NAV.

Base expense
2.10%
Brokerage
0.07%
Transaction charges
0.00%
Statutory levies
0.47%
Exit load
0%
Lock-in
5 years

Terms

Min SIP
₹3,000
Min lumpsum
₹5,000
Plan
GROWTH
Fund type
OPEN-ENDED
Benchmark
NIFTY 500 TRI
Short-term capital gains
Returns taxed at 20% if you redeem before 1 year
Long-term capital gains
After 1 year, returns above ₹1.25 lakh in a financial year are taxed at 12.5%

Risk

Risk

What the riskometer means for this fund, and how its ratios sit against the category.

Very High

Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.

Risk ratios
RatioFundCategory avgRead as
Alpha3.752.25Return earned above what the benchmark alone would have given. Higher is better.
Beta0.970.97How hard the fund moves when the market moves. Under 1 is steadier than the market.
Sharpe0.680.58Return earned for each unit of total risk taken. Higher is better.
Sortino0.900.78Return earned for each unit of downside risk. Higher is better.
Std. deviation15.5115.31How widely monthly returns have varied around their own average. Lower is steadier.
Average of 4 category peers

Portfolio

Aditya Birla Sun Life Retirement Fund - The 30s Plan portfolio

Portfolio as of 31 Aug 2026

Asset allocation

  • Equity96.5%
  • Debt0.2%
  • Other3.2%

Market cap split

  • Large38.9%
  • Mid24.3%
  • Small36.8%
P/E
29.91
P/B
4.05

Top holdings

HoldingSectorWeightValue3M chg6M chg1Y chg
ICICI Bank Ltd.Financial3.83%₹18.63 Cr+3.62%+4.18%+4.39%
Ather Energy Ltd.Automobile3.71%₹18.04 Cr+2.28%+1.77%+1.16%
Aditya Infotech Ltd.Communication3.60%₹17.50 Cr+3.29%+2.02%+0.74%
OthersOthers3.24%₹15.79 Cr+1.46%+0.16%+0.32%
SJS Enterprises Ltd.Automobile2.66%₹12.97 Cr+2.47%+2.17%+1.66%
Eternal Ltd.Services2.27%₹11.04 Cr+1.98%+2.05%+2.50%
Dr. Lal Pathlabs Ltd.Healthcare2.21%₹10.74 Cr———
Sona BLW Precision Forgings Ltd.Automobile2.16%₹10.53 Cr+1.77%+1.64%+0.50%
Ajanta Pharma Ltd.Healthcare1.96%₹9.55 Cr+1.75%+1.88%—
HDFC Bank Ltd.Financial1.91%₹9.31 Cr+2.20%+1.42%+2.59%

Sectors

  • Financial20.8%
  • Automobile11.5%
  • Services10.9%
  • Capital Goods7.8%
  • Healthcare7.5%
  • Consumer Staples7.1%
  • Technology6.8%
  • Metals & Mining5.0%

Instruments

  • Repo3.2%
  • GOI Securities0.2%
  • Net Receivables0.0%

Recent changes

HoldingFromToWeight
Axis Bank Ltd.1.62%0.00%-1.62%
Dr. Lal Pathlabs Ltd.0.68%2.21%+1.52%
company:4070.00%1.48%+1.48%
company:206210.00%1.22%+1.22%
Shilpa Medicare Ltd.1.20%0.00%-1.20%
Ather Energy Ltd.2.80%3.71%+0.91%
M&B Engineering Ltd.0.72%0.00%-0.72%
Sobha Ltd.0.61%0.00%-0.61%
Union Bank of India0.53%1.07%+0.54%
Shivalik Bimetal Controls Ltd.1.08%1.50%+0.42%
Capillary Technologies India Ltd.0.56%0.93%+0.37%
Godrej Consumer Products Ltd.2.00%1.64%-0.36%
Cyient DLM Ltd.1.26%1.54%+0.28%
GMR Airports Ltd.2.04%1.76%-0.28%
Others0.24%0.01%-0.24%
Tech Mahindra Ltd.1.68%1.51%-0.17%
Varun Beverages Ltd.1.38%1.21%-0.17%
HDFC Bank Ltd.2.08%1.91%-0.16%
Balrampur Chini Mills Ltd.1.03%1.18%+0.15%
Adani Ports and Special Economic Zone Ltd.1.72%1.57%-0.15%
Craftsman Automation Ltd.1.44%1.59%+0.15%
Kirloskar Oil Engines Ltd.1.93%1.80%-0.13%
Infosys Ltd.1.09%0.96%-0.13%
Thermax Ltd.1.06%0.93%-0.13%
Firstsource Solutions Ltd.0.82%0.70%-0.12%
SBI Life Insurance Company Ltd.1.17%1.05%-0.12%
Hindustan Unilever Ltd.1.28%1.17%-0.12%
PB Fintech Ltd.0.81%0.92%+0.11%
CreditAccess Grameen Ltd.0.66%0.55%-0.11%
Emcure Pharmaceuticals Ltd.1.36%1.25%-0.11%
Ambuja Cements Ltd.1.10%0.99%-0.11%
Coforge Ltd.1.71%1.81%+0.10%
Ujjivan Small Finance Bank Ltd.1.60%1.50%-0.10%
City Union Bank Ltd.1.18%1.27%+0.09%
Jindal Steel Ltd.1.77%1.86%+0.09%
Fortis Healthcare Ltd.1.35%1.26%-0.09%
VRL Logistics Ltd.0.82%0.91%+0.09%
Hindustan Petroleum Corporation Ltd.1.00%0.91%-0.09%
Britannia Industries Ltd.1.48%1.39%-0.09%
Aptus Value Housing Finance India Ltd.1.15%1.07%-0.09%
JK Cement Ltd.1.01%0.92%-0.08%
Reliance Industries Ltd.1.61%1.53%-0.08%
Aditya Infotech Ltd.3.52%3.60%+0.08%
NTPC Ltd.0.79%0.72%-0.07%
Trent Ltd.0.88%0.82%-0.06%
ICICI Bank Ltd.3.89%3.83%-0.06%
SBFC Finance Ltd.0.96%1.02%+0.06%
Meesho Ltd.0.61%0.67%+0.06%
Sona BLW Precision Forgings Ltd.2.11%2.16%+0.06%
Aditya Vision Ltd.0.65%0.60%-0.06%
Swiggy Ltd.1.42%1.37%-0.05%
Multi Commodity Exchange Of India Ltd.0.23%0.28%+0.05%
The Federal Bank Ltd.1.46%1.41%-0.05%
PNB Housing Finance Ltd.0.81%0.86%+0.05%
Mankind Pharma Ltd.0.84%0.80%-0.04%
ICICI Lombard General Insurance Company Ltd.0.60%0.56%-0.04%
Billionbrains Garage Ventures Ltd.0.79%0.76%-0.03%
SJS Enterprises Ltd.2.63%2.66%+0.03%
Praj Industries Ltd.0.42%0.45%+0.03%
TVS Motor Company Ltd.1.36%1.33%-0.03%
Avenue Supermarts Ltd.0.86%0.83%-0.03%
Shriram Finance Ltd0.82%0.84%+0.03%
United Spirits Ltd.0.54%0.52%-0.02%
Hindalco Industries Ltd.1.88%1.90%+0.02%
Prestige Estates Projects Ltd.1.35%1.32%-0.02%
Eternal Ltd.2.25%2.27%+0.02%
Kirloskar Brothers Ltd.1.64%1.62%-0.02%
Ajanta Pharma Ltd.1.94%1.96%+0.02%
Persistent Systems Ltd.0.91%0.90%-0.02%
Atul Ltd.0.17%0.15%-0.01%
Bharat Petroleum Corporation Ltd.0.84%0.83%-0.01%
AU Small Finance Bank Ltd.1.45%1.47%+0.01%
Greenply Industries Ltd.1.21%1.19%-0.01%
Vinati Organics Ltd.1.19%1.18%-0.01%
L&T Technology Services Ltd.0.72%0.71%-0.01%
Go Digit General Insurance Ltd.0.47%0.46%-0.01%
GOI0.22%0.21%-0.01%
State Bank of India1.29%1.29%0.00%
360 One Wam Ltd.0.52%0.52%0.00%
Larsen & Toubro Ltd.1.55%1.55%0.00%
Supreme Industries Ltd.0.34%0.34%0.00%
TVS Motor Company Ltd - Pref. Shares0.01%0.01%0.00%

Compare

Similar funds

The rest of the category, so this fund’s numbers have something to sit against.

FundAUMExpense1Y3Y5Y
Category average₹1,939 Cr2.31%2.6%6.4%12.0%
Nippon India Retirement Fund - Wealth Creation Scheme₹3,127 Cr2.22%-3.2%2.3%9.0%
Tata Retirement Savings Progressive Plan₹2,255 Cr2.20%6.6%6.2%10.4%
ICICI Prudential Retirement Fund - Pure Equity Plan₹2,158 Cr2.14%4.5%10.8%16.5%
Union Retirement Fund₹216 Cr2.69%2.6%6.3%—

About

About this fund

The scheme’s own words, its benchmark and the people running it.

Investment objective

The Scheme seeks to invest primarily in a well-diversified portfolio of equity and equity related securities.

Fund managers

  • Jonas BhuttaMr. Bhutta has done B.Com and MBA, FinancePrior to joining Aditya Birla Sun Life Mutual Fund, he has worked with Phillip Capital (India) Pvt Ltd, DSP Merrill Lynch, Daiwa Securities SMBC, Prabhudas Lilladher and HDFC Securities
Scheme information document

Tools

Return calculator

What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.

₹
Over the pastTotal investmentWould’ve becomeGrowthReturns
6 months19.85% absolute₹60,000₹71,91019.85%
1 year13.45% annualised₹1,20,000₹1,29,1127.59%
3 years14.74% annualised₹3,60,000₹4,54,86126.35%
5 years10.36% annualised₹6,00,000₹7,88,53231.42%

Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.

How this is calculated

Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.

The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.

Questions

Frequently asked questions

The things people ask about this scheme.

What is the NAV of Aditya Birla Sun Life Retirement Fund - The 30s Plan?
The NAV of Aditya Birla Sun Life Retirement Fund - The 30s Plan is ₹22.37 as on 25 Sep 2026.
What is the expense ratio of Aditya Birla Sun Life Retirement Fund - The 30s Plan?
The expense ratio of Aditya Birla Sun Life Retirement Fund - The 30s Plan is 2.64% per year.
What is the minimum SIP amount for Aditya Birla Sun Life Retirement Fund - The 30s Plan?
You can start a SIP in Aditya Birla Sun Life Retirement Fund - The 30s Plan with ₹3,000 a month.
What returns has Aditya Birla Sun Life Retirement Fund - The 30s Plan given?
Aditya Birla Sun Life Retirement Fund - The 30s Plan has returned 14.6% over 1 year, 12.1% over 3 years and 13.5% over 5 years (annualised).
Is there a lock-in or exit load on Aditya Birla Sun Life Retirement Fund - The 30s Plan?
Lock-in: 5 years. Exit load: 0%.
How risky is Aditya Birla Sun Life Retirement Fund - The 30s Plan?
Aditya Birla Sun Life Retirement Fund - The 30s Plan is rated Very High on the SEBI riskometer and belongs to the Retirement Solutions category.
Which fund house manages Aditya Birla Sun Life Retirement Fund - The 30s Plan?
Aditya Birla Sun Life Retirement Fund - The 30s Plan is managed by Aditya Birla Sun Life Mutual Fund, which runs 86 schemes with ₹4,32,524 Cr under management.