HomeOur StoryMethodologyLearnFAQs

Aditya Birla Sun Life Retirement Fund - The 30s Plan

Retirement SolutionsVery HighOPEN-ENDED
Invest Now
NAV as on 4 Nov 2026
₹22.35+1.49%1 day
Return since launch
10.6%
52-week range
₹18.16 — ₹23.18
AUM
₹465 Cr

Aditya Birla Sun Life Retirement Fund - The 30s Plan is a Retirement Solutions equity fund from Aditya Birla Sun Life Mutual Fund with ₹465 Cr under management, launched in 2019. Over three years it has returned 11.0% a year, against 11.6% for its category. The expense ratio is 2.62% 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
1Y11.4%+10.9 pts0.5%-0.2%
2Y11.4%+9.0 pts2.3%2.0%
3Y11.0%−0.6 pts11.6%3.4%
5Y12.9%+2.7 pts10.2%8.7%
7Y12.8%+3.6 pts9.1%11.4%

Fund against category

1Y
Fund11.4%
Category0.5%
3Y
Fund11.0%
Category11.6%
5Y
Fund12.9%
Category10.2%

Since launch (19 Feb 2019): 10.6%

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

2.62%

Expense ratio as on 29 Oct 2026

Charged yearly and already deducted from the NAV.

Base expense
2.10%
Brokerage
0.06%
Transaction charges
0.00%
Statutory levies
0.46%
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
Alpha4.482.33Return earned above what the benchmark alone would have given. Higher is better.
Beta0.970.98How hard the fund moves when the market moves. Under 1 is steadier than the market.
Sharpe0.550.42Return earned for each unit of total risk taken. Higher is better.
Sortino0.760.58Return earned for each unit of downside risk. Higher is better.
Std. deviation15.8715.83How 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 30 Sep 2026

Asset allocation

  • Equity95.9%
  • Debt0.2%
  • Other3.8%

Market cap split

  • Large39.0%
  • Mid24.0%
  • Small37.0%
P/E
28.74
P/B
3.80

Top holdings

HoldingSectorWeightValue3M chg6M chg1Y chg
OthersOthers3.84%₹17.86 Cr+0.39%+0.19%-0.50%
ICICI Bank Ltd.Financial3.64%₹16.93 Cr+3.80%+4.04%+4.21%
Ather Energy Ltd.Automobile3.22%₹14.96 Cr+2.58%+2.07%+1.45%
Aditya Infotech Ltd.Communication3.01%₹13.99 Cr+3.96%+2.37%+0.76%
SJS Enterprises Ltd.Automobile2.53%₹11.76 Cr+2.49%+2.11%+1.84%
Dr. Lal Pathlabs Ltd.Healthcare2.37%₹11.03 Cr———
Eternal Ltd.Services2.31%₹10.77 Cr+2.01%+2.10%+2.57%
Sona BLW Precision Forgings Ltd.Automobile2.31%₹10.75 Cr+1.73%+1.63%+0.46%
Kirloskar Oil Engines Ltd.Capital Goods2.07%₹9.63 Cr+2.87%+2.67%+1.72%
Ajanta Pharma Ltd.Healthcare2.06%₹9.60 Cr+1.96%+1.94%—

Sectors

  • Financial19.8%
  • Automobile11.2%
  • Services10.2%
  • Capital Goods9.9%
  • Healthcare7.8%
  • Consumer Staples7.2%
  • Technology6.7%
  • Metals & Mining4.9%

Instruments

  • Repo3.9%
  • GOI Securities0.2%

Recent changes

HoldingFromToWeight
Aptus Value Housing Finance India Ltd.1.07%0.00%-1.07%
Kalpataru Projects International Ltd.0.00%0.89%+0.89%
Ram Ratna Wires Ltd.0.00%0.88%+0.88%
VRL Logistics Ltd.0.91%0.18%-0.73%
PNB Housing Finance Ltd.0.86%1.47%+0.61%
Aditya Infotech Ltd.3.60%3.01%-0.59%
Ather Energy Ltd.3.71%3.22%-0.49%
Orient Cables (India) Ltd.0.00%0.43%+0.43%
PB Fintech Ltd.0.92%0.55%-0.37%
Vinati Organics Ltd.1.18%0.81%-0.37%
Dynamatic Technologies Ltd.0.00%0.31%+0.31%
Cyient DLM Ltd.1.54%1.25%-0.29%
Adani Ports and Special Economic Zone Ltd.1.57%1.85%+0.28%
Kirloskar Oil Engines Ltd.1.80%2.07%+0.27%
ICICI Bank Ltd.3.83%3.64%-0.19%
Capillary Technologies India Ltd.0.93%1.10%+0.17%
Dr. Lal Pathlabs Ltd.2.21%2.37%+0.16%
Varun Beverages Ltd.1.21%1.37%+0.16%
Sona BLW Precision Forgings Ltd.2.16%2.31%+0.15%
Coforge Ltd.1.81%1.67%-0.14%
Fortis Healthcare Ltd.1.26%1.12%-0.14%
SJS Enterprises Ltd.2.66%2.53%-0.14%
Emcure Pharmaceuticals Ltd.1.25%1.37%+0.12%
GMR Airports Ltd.1.76%1.87%+0.11%
Meesho Ltd.0.67%0.77%+0.11%
Ajanta Pharma Ltd.1.96%2.06%+0.10%
Swiggy Ltd.1.37%1.27%-0.10%
Others0.01%-0.09%-0.10%
The Federal Bank Ltd.1.41%1.31%-0.10%
Greenply Industries Ltd.1.19%1.29%+0.10%
SBFC Finance Ltd.1.02%0.92%-0.10%
HDFC Bank Ltd.1.91%2.00%+0.09%
Thermax Ltd.0.93%0.85%-0.08%
Infosys Ltd.0.96%0.88%-0.08%
Bajaj Finance Ltd.1.48%1.40%-0.07%
Shivalik Bimetal Controls Ltd.1.50%1.57%+0.07%
State Bank of India1.29%1.22%-0.07%
Prestige Estates Projects Ltd.1.32%1.25%-0.07%
Mankind Pharma Ltd.0.80%0.86%+0.07%
Shriram Finance Ltd0.84%0.78%-0.06%
Hindalco Industries Ltd.1.90%1.84%-0.06%
Union Bank of India1.07%1.02%-0.06%
Britannia Industries Ltd.1.39%1.34%-0.05%
Eternal Ltd.2.27%2.31%+0.05%
L&T Technology Services Ltd.0.71%0.67%-0.05%
360 One Wam Ltd.0.52%0.48%-0.04%
Larsen & Toubro Ltd.1.55%1.51%-0.04%
Craftsman Automation Ltd.1.59%1.54%-0.04%
Reliance Industries Ltd.1.53%1.49%-0.04%
City Union Bank Ltd.1.27%1.31%+0.04%
AU Small Finance Bank Ltd.1.47%1.43%-0.04%
Trent Ltd.0.82%0.78%-0.04%
Kirloskar Brothers Ltd.1.62%1.58%-0.04%
ICICI Lombard General Insurance Company Ltd.0.56%0.59%+0.03%
Ujjivan Small Finance Bank Ltd.1.50%1.53%+0.03%
JK Cement Ltd.0.92%0.95%+0.03%
Tech Mahindra Ltd.1.51%1.48%-0.03%
Praj Industries Ltd.0.45%0.42%-0.03%
Go Digit General Insurance Ltd.0.46%0.48%+0.03%
United Spirits Ltd.0.52%0.49%-0.03%
Ambuja Cements Ltd.0.99%0.96%-0.02%
NTPC Ltd.0.72%0.75%+0.02%
Godrej Consumer Products Ltd.1.64%1.62%-0.02%
Aditya Vision Ltd.0.60%0.62%+0.02%
SBI Life Insurance Company Ltd.1.05%1.07%+0.02%
Bharat Petroleum Corporation Ltd.0.83%0.81%-0.02%
Avenue Supermarts Ltd.0.83%0.85%+0.02%
TVS Motor Company Ltd.1.33%1.31%-0.01%
CreditAccess Grameen Ltd.0.55%0.53%-0.01%
company:201330.01%0.00%-0.01%
Persistent Systems Ltd.0.90%0.88%-0.01%
Vedanta Aluminium Metal Ltd.1.22%1.22%-0.01%
Jindal Steel Ltd.1.86%1.85%-0.01%
Firstsource Solutions Ltd.0.70%0.71%+0.01%
GOI0.21%0.22%+0.01%
Atul Ltd.0.15%0.15%0.00%
Supreme Industries Ltd.0.34%0.34%0.00%
Multi Commodity Exchange Of India Ltd.0.28%0.28%0.00%
Hindustan Petroleum Corporation Ltd.0.91%0.91%0.00%
Billionbrains Garage Ventures Ltd.0.76%0.76%0.00%
Hindustan Unilever Ltd.1.17%1.17%0.00%
Balrampur Chini Mills Ltd.1.18%1.18%0.00%

Compare

Similar funds

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

FundAUMExpense1Y3Y5Y
Category average₹1,839 Cr2.32%0.5%4.9%10.9%
Nippon India Retirement Fund - Wealth Creation Scheme₹2,939 Cr2.23%-3.7%1.3%8.2%
ICICI Prudential Retirement Fund - Pure Equity Plan₹2,106 Cr2.16%1.0%8.6%15.2%
Tata Retirement Savings Progressive Plan₹2,104 Cr2.20%4.1%4.8%9.4%
Union Retirement Fund₹207 Cr2.67%0.6%5.0%—

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 months6.79% absolute₹60,000₹64,0746.79%
1 year9.67% annualised₹1,20,000₹1,26,4755.40%
3 years15.16% annualised₹3,60,000₹4,57,99027.22%
5 years10.03% annualised₹6,00,000₹7,81,46330.24%

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 ₹22.35 as on 4 Nov 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 2.62% 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 11.4% over 1 year, 11.0% over 3 years and 12.9% 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 ₹4,46,664 Cr under management.