Aditya Birla Sun Life Retirement Fund - The 30s Plan
- 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
Aditya Birla Sun Life Retirement Fund - The 30s Plan NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +8.8% against -1.7% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 11.4% | +10.9 pts | 0.5% | -0.2% |
| 2Y | 11.4% | +9.0 pts | 2.3% | 2.0% |
| 3Y | 11.0% | −0.6 pts | 11.6% | 3.4% |
| 5Y | 12.9% | +2.7 pts | 10.2% | 8.7% |
| 7Y | 12.8% | +3.6 pts | 9.1% | 11.4% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 1.8% | −0.7 pts | 2.4% | 1.6% |
| 3M | -3.2% | +0.6 pts | -3.9% | -4.6% |
| 6M | 6.8% | +5.3 pts | 1.5% | 0.1% |
| 1Y | 9.7% | +9.2 pts | 0.5% | -0.9% |
| 2Y | 7.3% | +5.1 pts | 2.2% | 0.7% |
| 3Y | 15.2% | +3.6 pts | 11.6% | 9.7% |
| 5Y | 10.0% | −0.2 pts | 10.2% | 8.7% |
| 7Y | 11.8% | +2.0 pts | 9.7% | 12.5% |
Since launch (19 Feb 2019): 10.6%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 8.4% | +1.6 pts | 6.8% |
| 2024 | 17.8% | −2.0 pts | 19.8% |
| 2023 | 21.3% | −10.2 pts | 31.5% |
| 2022 | 0.3% | −3.8 pts | 4.1% |
| 2021 | 12.5% | −20.8 pts | 33.3% |
| 2020 | 14.7% | +1.2 pts | 13.5% |
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.
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | 4.48 | 2.33 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.97 | 0.98 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.55 | 0.42 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.76 | 0.58 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 15.87 | 15.83 | How 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
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 3.84% | ₹17.86 Cr | +0.39% | +0.19% | -0.50% |
| ICICI Bank Ltd. | Financial | 3.64% | ₹16.93 Cr | +3.80% | +4.04% | +4.21% |
| Ather Energy Ltd. | Automobile | 3.22% | ₹14.96 Cr | +2.58% | +2.07% | +1.45% |
| Aditya Infotech Ltd. | Communication | 3.01% | ₹13.99 Cr | +3.96% | +2.37% | +0.76% |
| SJS Enterprises Ltd. | Automobile | 2.53% | ₹11.76 Cr | +2.49% | +2.11% | +1.84% |
| Dr. Lal Pathlabs Ltd. | Healthcare | 2.37% | ₹11.03 Cr | — | — | — |
| Eternal Ltd. | Services | 2.31% | ₹10.77 Cr | +2.01% | +2.10% | +2.57% |
| Sona BLW Precision Forgings Ltd. | Automobile | 2.31% | ₹10.75 Cr | +1.73% | +1.63% | +0.46% |
| Kirloskar Oil Engines Ltd. | Capital Goods | 2.07% | ₹9.63 Cr | +2.87% | +2.67% | +1.72% |
| Ajanta Pharma Ltd. | Healthcare | 2.06% | ₹9.60 Cr | +1.96% | +1.94% | — |
| HDFC Bank Ltd. | Financial | 2.00% | ₹9.31 Cr | +2.26% | +1.29% | +2.57% |
| GMR Airports Ltd. | Construction | 1.87% | ₹8.71 Cr | +2.21% | +1.25% | — |
| Adani Ports and Special Economic Zone Ltd. | Services | 1.85% | ₹8.63 Cr | +1.87% | +1.65% | +1.64% |
| Jindal Steel Ltd. | Metals & Mining | 1.85% | ₹8.62 Cr | +1.74% | +2.21% | +2.14% |
| Hindalco Industries Ltd. | Metals & Mining | 1.84% | ₹8.58 Cr | +1.88% | +2.11% | +1.85% |
| Coforge Ltd. | Technology | 1.67% | ₹7.78 Cr | +1.49% | +0.79% | +1.04% |
| Godrej Consumer Products Ltd. | Consumer Staples | 1.62% | ₹7.52 Cr | +1.93% | +2.28% | +2.52% |
| Kirloskar Brothers Ltd. | Capital Goods | 1.58% | ₹7.36 Cr | +1.05% | — | — |
| Shivalik Bimetal Controls Ltd. | Capital Goods | 1.57% | ₹7.32 Cr | +1.22% | +0.76% | +0.91% |
| Craftsman Automation Ltd. | Automobile | 1.54% | ₹7.19 Cr | +1.41% | +1.26% | +1.14% |
| Ujjivan Small Finance Bank Ltd. | Financial | 1.53% | ₹7.14 Cr | +1.35% | +0.91% | — |
| Larsen & Toubro Ltd. | Construction | 1.51% | ₹7.02 Cr | +1.67% | +1.71% | +2.61% |
| Reliance Industries Ltd. | Energy | 1.49% | ₹6.92 Cr | +0.79% | +0.99% | +0.94% |
| Tech Mahindra Ltd. | Technology | 1.48% | ₹6.88 Cr | +1.46% | +2.05% | +1.93% |
| PNB Housing Finance Ltd. | Financial | 1.47% | ₹6.86 Cr | +0.82% | — | — |
| AU Small Finance Bank Ltd. | Financial | 1.43% | ₹6.64 Cr | +1.47% | +2.39% | +2.17% |
| Bajaj Finance Ltd. | Financial | 1.40% | ₹6.52 Cr | — | — | — |
| Emcure Pharmaceuticals Ltd. | Healthcare | 1.37% | ₹6.38 Cr | +1.30% | +1.37% | +1.02% |
| Varun Beverages Ltd. | Consumer Staples | 1.37% | ₹6.37 Cr | +1.61% | +1.02% | — |
| Britannia Industries Ltd. | Consumer Staples | 1.34% | ₹6.23 Cr | — | — | — |
| TVS Motor Company Ltd. | Automobile | 1.31% | ₹6.12 Cr | +1.11% | +1.31% | +1.25% |
| The Federal Bank Ltd. | Financial | 1.31% | ₹6.09 Cr | +1.37% | +1.30% | +0.90% |
| City Union Bank Ltd. | Financial | 1.31% | ₹6.09 Cr | +1.21% | +1.27% | +1.05% |
| Greenply Industries Ltd. | Materials | 1.29% | ₹6.01 Cr | +1.28% | +0.95% | +1.47% |
| Swiggy Ltd. | Services | 1.27% | ₹5.92 Cr | +1.22% | +1.61% | — |
| Prestige Estates Projects Ltd. | Construction | 1.25% | ₹5.84 Cr | +1.33% | +1.16% | +1.67% |
| Cyient DLM Ltd. | Capital Goods | 1.25% | ₹5.82 Cr | — | — | — |
| State Bank of India | Financial | 1.22% | ₹5.70 Cr | +1.32% | +1.52% | +2.11% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 1.22% | ₹5.66 Cr | — | — | — |
| Balrampur Chini Mills Ltd. | Consumer Staples | 1.18% | ₹5.49 Cr | +0.99% | +1.08% | +0.92% |
| Hindustan Unilever Ltd. | Consumer Staples | 1.17% | ₹5.43 Cr | +1.32% | +1.55% | +1.77% |
| Fortis Healthcare Ltd. | Healthcare | 1.12% | ₹5.19 Cr | +1.39% | +1.40% | +1.59% |
| Capillary Technologies India Ltd. | Technology | 1.10% | ₹5.11 Cr | — | — | — |
| SBI Life Insurance Company Ltd. | Insurance | 1.07% | ₹5.00 Cr | +1.12% | +1.37% | +1.57% |
| Union Bank of India | Financial | 1.02% | ₹4.73 Cr | — | — | — |
| Ambuja Cements Ltd. | Materials | 0.96% | ₹4.49 Cr | +1.09% | +1.26% | — |
| JK Cement Ltd. | Materials | 0.95% | ₹4.44 Cr | +1.03% | +1.16% | — |
| SBFC Finance Ltd. | Financial | 0.92% | ₹4.27 Cr | +0.98% | +1.06% | — |
| Hindustan Petroleum Corporation Ltd. | Energy | 0.91% | ₹4.23 Cr | +1.03% | +1.06% | — |
| Kalpataru Projects International Ltd. | Capital Goods | 0.89% | ₹4.14 Cr | — | — | — |
| Persistent Systems Ltd. | Technology | 0.88% | ₹4.12 Cr | +0.73% | +1.00% | +0.92% |
| Infosys Ltd. | Technology | 0.88% | ₹4.09 Cr | +0.98% | +1.79% | +2.06% |
| Ram Ratna Wires Ltd. | Capital Goods | 0.88% | ₹4.08 Cr | — | — | — |
| Mankind Pharma Ltd. | Healthcare | 0.86% | ₹4.01 Cr | — | — | — |
| Thermax Ltd. | Capital Goods | 0.85% | ₹3.95 Cr | +1.30% | +1.46% | +1.32% |
| Avenue Supermarts Ltd. | Services | 0.85% | ₹3.94 Cr | +0.98% | +1.07% | +1.13% |
| Bharat Petroleum Corporation Ltd. | Energy | 0.81% | ₹3.79 Cr | +0.82% | +0.92% | +1.03% |
| Vinati Organics Ltd. | Chemicals | 0.81% | ₹3.78 Cr | +1.35% | +1.62% | +1.98% |
| Trent Ltd. | Services | 0.78% | ₹3.64 Cr | +2.04% | — | — |
| Shriram Finance Ltd | Financial | 0.78% | ₹3.64 Cr | +0.83% | +0.84% | — |
| Meesho Ltd. | Services | 0.77% | ₹3.61 Cr | +0.66% | +1.32% | — |
| Billionbrains Garage Ventures Ltd. | Financial | 0.76% | ₹3.55 Cr | +0.84% | — | — |
| NTPC Ltd. | Energy | 0.75% | ₹3.47 Cr | +0.83% | +1.04% | +0.89% |
| Firstsource Solutions Ltd. | Services | 0.71% | ₹3.30 Cr | +0.64% | +0.69% | +1.03% |
| L&T Technology Services Ltd. | Technology | 0.67% | ₹3.10 Cr | +0.65% | +0.78% | +0.96% |
| Aditya Vision Ltd. | Services | 0.62% | ₹2.88 Cr | +0.69% | — | — |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 0.59% | ₹2.77 Cr | +0.65% | +1.79% | +1.84% |
| PB Fintech Ltd. | Services | 0.55% | ₹2.54 Cr | +0.84% | +0.89% | — |
| CreditAccess Grameen Ltd. | Financial | 0.53% | ₹2.49 Cr | — | — | +0.31% |
| United Spirits Ltd. | Consumer Staples | 0.49% | ₹2.30 Cr | — | — | — |
| Go Digit General Insurance Ltd. | Insurance | 0.48% | ₹2.25 Cr | +0.60% | — | — |
| 360 One Wam Ltd. | Financial | 0.48% | ₹2.21 Cr | +0.50% | — | — |
| Orient Cables (India) Ltd. | Capital Goods | 0.43% | ₹2.00 Cr | — | — | — |
| Praj Industries Ltd. | Capital Goods | 0.42% | ₹1.94 Cr | +0.48% | +0.53% | +0.51% |
| Supreme Industries Ltd. | Materials | 0.34% | ₹1.59 Cr | +0.31% | +0.45% | +0.47% |
| Dynamatic Technologies Ltd. | Automobile | 0.31% | ₹1.43 Cr | — | — | — |
| Multi Commodity Exchange Of India Ltd. | Services | 0.28% | ₹1.32 Cr | +0.24% | — | — |
| GOI | Sovereign | 0.22% | ₹1.01 Cr | +0.22% | +0.27% | +0.25% |
| VRL Logistics Ltd. | Services | 0.18% | ₹0.86 Cr | +0.74% | +0.89% | +0.97% |
| Atul Ltd. | Chemicals | 0.15% | ₹0.69 Cr | +0.16% | +0.96% | +0.85% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| 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% |
| Others | 0.01% | -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 India | 1.29% | 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 Ltd | 0.84% | 0.78% | -0.06% |
| Hindalco Industries Ltd. | 1.90% | 1.84% | -0.06% |
| Union Bank of India | 1.07% | 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:20133 | 0.01% | 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% |
| GOI | 0.21% | 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.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹1,839 Cr | 2.32% | 0.5% | 4.9% | 10.9% |
| ₹2,939 Cr | 2.23% | -3.7% | 1.3% | 8.2% | |
| ₹2,106 Cr | 2.16% | 1.0% | 8.6% | 15.2% | |
| ₹2,104 Cr | 2.20% | 4.1% | 4.8% | 9.4% | |
| ₹207 Cr | 2.67% | 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
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 past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months6.79% absolute | ₹60,000 | ₹64,074 | 6.79% | |
| 1 year9.67% annualised | ₹1,20,000 | ₹1,26,475 | 5.40% | |
| 3 years15.16% annualised | ₹3,60,000 | ₹4,57,990 | 27.22% | |
| 5 years10.03% annualised | ₹6,00,000 | ₹7,81,463 | 30.24% |
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.