Aditya Birla Sun Life Retirement Fund - The 30s Plan
- 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
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 +13.4% against +3.2% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 14.6% | +10.9 pts | 3.6% | 2.5% |
| 2Y | 12.1% | +9.7 pts | 2.5% | 3.2% |
| 3Y | 12.1% | +0.5 pts | 11.6% | 4.9% |
| 5Y | 13.5% | +2.7 pts | 10.8% | 9.8% |
| 7Y | 13.3% | +3.7 pts | 9.6% | 12.3% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -2.9% | +0.9 pts | -3.8% | -3.2% |
| 3M | 1.4% | +1.8 pts | -0.3% | -0.1% |
| 6M | 19.9% | +8.6 pts | 11.3% | 11.0% |
| 1Y | 13.4% | +9.8 pts | 3.6% | 3.0% |
| 2Y | 4.6% | +4.3 pts | 0.3% | -1.9% |
| 3Y | 14.7% | +3.1 pts | 11.6% | 10.0% |
| 5Y | 10.4% | −0.5 pts | 10.8% | 9.4% |
| 7Y | 12.4% | +2.4 pts | 10.1% | 13.1% |
Since launch (19 Feb 2019): 11.2%
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
2.64%
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.
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 | 3.75 | 2.25 | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | 0.97 | 0.97 | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.68 | 0.58 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.90 | 0.78 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 15.51 | 15.31 | 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 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
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| ICICI Bank Ltd. | Financial | 3.83% | ₹18.63 Cr | +3.62% | +4.18% | +4.39% |
| Ather Energy Ltd. | Automobile | 3.71% | ₹18.04 Cr | +2.28% | +1.77% | +1.16% |
| Aditya Infotech Ltd. | Communication | 3.60% | ₹17.50 Cr | +3.29% | +2.02% | +0.74% |
| Others | Others | 3.24% | ₹15.79 Cr | +1.46% | +0.16% | +0.32% |
| SJS Enterprises Ltd. | Automobile | 2.66% | ₹12.97 Cr | +2.47% | +2.17% | +1.66% |
| Eternal Ltd. | Services | 2.27% | ₹11.04 Cr | +1.98% | +2.05% | +2.50% |
| Dr. Lal Pathlabs Ltd. | Healthcare | 2.21% | ₹10.74 Cr | — | — | — |
| Sona BLW Precision Forgings Ltd. | Automobile | 2.16% | ₹10.53 Cr | +1.77% | +1.64% | +0.50% |
| Ajanta Pharma Ltd. | Healthcare | 1.96% | ₹9.55 Cr | +1.75% | +1.88% | — |
| HDFC Bank Ltd. | Financial | 1.91% | ₹9.31 Cr | +2.20% | +1.42% | +2.59% |
| Hindalco Industries Ltd. | Metals & Mining | 1.90% | ₹9.25 Cr | +2.31% | +2.19% | +1.72% |
| Jindal Steel Ltd. | Metals & Mining | 1.86% | ₹9.06 Cr | +2.06% | +2.44% | +1.92% |
| Coforge Ltd. | Technology | 1.81% | ₹8.83 Cr | +1.51% | +0.76% | +1.14% |
| Kirloskar Oil Engines Ltd. | Capital Goods | 1.80% | ₹8.77 Cr | +2.44% | +2.53% | +1.69% |
| GMR Airports Ltd. | Construction | 1.76% | ₹8.57 Cr | +2.07% | +1.35% | — |
| Godrej Consumer Products Ltd. | Consumer Staples | 1.64% | ₹7.98 Cr | +2.05% | +2.55% | +2.70% |
| Kirloskar Brothers Ltd. | Capital Goods | 1.62% | ₹7.88 Cr | +0.50% | — | — |
| Craftsman Automation Ltd. | Automobile | 1.59% | ₹7.73 Cr | +1.41% | +1.23% | +1.17% |
| Adani Ports and Special Economic Zone Ltd. | Services | 1.57% | ₹7.65 Cr | +1.95% | +1.73% | +1.55% |
| Larsen & Toubro Ltd. | Construction | 1.55% | ₹7.55 Cr | +1.71% | +1.89% | +2.58% |
| Cyient DLM Ltd. | Capital Goods | 1.54% | ₹7.50 Cr | — | — | — |
| Reliance Industries Ltd. | Energy | 1.53% | ₹7.44 Cr | +0.84% | +0.93% | +0.94% |
| Tech Mahindra Ltd. | Technology | 1.51% | ₹7.35 Cr | +1.61% | +1.82% | +2.06% |
| Ujjivan Small Finance Bank Ltd. | Financial | 1.50% | ₹7.31 Cr | +1.29% | +0.95% | — |
| Shivalik Bimetal Controls Ltd. | Capital Goods | 1.50% | ₹7.30 Cr | +1.24% | +0.79% | +0.89% |
| company:407 | Financial | 1.48% | ₹7.19 Cr | — | — | +0.95% |
| AU Small Finance Bank Ltd. | Financial | 1.47% | ₹7.14 Cr | +1.46% | +2.46% | +2.15% |
| The Federal Bank Ltd. | Financial | 1.41% | ₹6.85 Cr | +1.25% | +1.36% | +0.90% |
| Britannia Industries Ltd. | Consumer Staples | 1.39% | ₹6.77 Cr | — | — | — |
| Swiggy Ltd. | Services | 1.37% | ₹6.67 Cr | +1.37% | +1.69% | — |
| TVS Motor Company Ltd. | Automobile | 1.33% | ₹6.47 Cr | +1.12% | +1.37% | +1.20% |
| Prestige Estates Projects Ltd. | Construction | 1.32% | ₹6.43 Cr | +1.21% | +1.50% | +1.74% |
| State Bank of India | Financial | 1.29% | ₹6.30 Cr | +1.29% | +1.69% | +1.96% |
| City Union Bank Ltd. | Financial | 1.27% | ₹6.17 Cr | +1.16% | +1.35% | — |
| Fortis Healthcare Ltd. | Healthcare | 1.26% | ₹6.12 Cr | +1.41% | +1.51% | +1.51% |
| Emcure Pharmaceuticals Ltd. | Healthcare | 1.25% | ₹6.10 Cr | +1.25% | +1.13% | +1.12% |
| company:20621 | Metals & Mining | 1.22% | ₹5.96 Cr | — | — | — |
| Varun Beverages Ltd. | Consumer Staples | 1.21% | ₹5.91 Cr | +1.75% | +1.09% | — |
| Greenply Industries Ltd. | Materials | 1.19% | ₹5.81 Cr | +1.12% | +1.05% | +1.52% |
| Vinati Organics Ltd. | Chemicals | 1.18% | ₹5.76 Cr | +1.37% | +1.63% | — |
| Balrampur Chini Mills Ltd. | Consumer Staples | 1.18% | ₹5.75 Cr | +0.96% | +0.92% | +1.09% |
| Hindustan Unilever Ltd. | Consumer Staples | 1.17% | ₹5.69 Cr | +1.40% | +1.60% | +1.89% |
| Union Bank of India | Financial | 1.07% | ₹5.22 Cr | — | — | — |
| Aptus Value Housing Finance India Ltd. | Financial | 1.07% | ₹5.20 Cr | +1.22% | +1.21% | +1.16% |
| SBI Life Insurance Company Ltd. | Insurance | 1.05% | ₹5.13 Cr | +1.21% | +1.42% | +1.59% |
| SBFC Finance Ltd. | Financial | 1.02% | ₹4.94 Cr | +1.06% | +1.10% | — |
| Ambuja Cements Ltd. | Materials | 0.99% | ₹4.81 Cr | +1.21% | — | — |
| Infosys Ltd. | Technology | 0.96% | ₹4.66 Cr | +1.19% | +1.68% | +2.12% |
| Thermax Ltd. | Capital Goods | 0.93% | ₹4.55 Cr | +1.31% | +1.27% | +1.35% |
| Capillary Technologies India Ltd. | Technology | 0.93% | ₹4.51 Cr | — | — | — |
| JK Cement Ltd. | Materials | 0.92% | ₹4.49 Cr | +1.02% | +1.17% | — |
| PB Fintech Ltd. | Services | 0.92% | ₹4.47 Cr | +0.91% | +0.84% | — |
| VRL Logistics Ltd. | Services | 0.91% | ₹4.43 Cr | +0.77% | +0.96% | +0.95% |
| Hindustan Petroleum Corporation Ltd. | Energy | 0.91% | ₹4.42 Cr | +1.07% | +0.70% | — |
| Persistent Systems Ltd. | Technology | 0.90% | ₹4.36 Cr | +0.91% | +0.87% | +1.02% |
| PNB Housing Finance Ltd. | Financial | 0.86% | ₹4.19 Cr | +0.85% | — | — |
| Shriram Finance Ltd | Financial | 0.84% | ₹4.11 Cr | +0.79% | — | — |
| Bharat Petroleum Corporation Ltd. | Energy | 0.83% | ₹4.05 Cr | +0.84% | +1.14% | +0.95% |
| Avenue Supermarts Ltd. | Services | 0.83% | ₹4.05 Cr | +0.95% | +0.95% | +1.21% |
| Trent Ltd. | Services | 0.82% | ₹4.00 Cr | +1.83% | — | — |
| Mankind Pharma Ltd. | Healthcare | 0.80% | ₹3.87 Cr | — | — | — |
| Billionbrains Garage Ventures Ltd. | Financial | 0.76% | ₹3.71 Cr | +0.80% | — | — |
| NTPC Ltd. | Energy | 0.72% | ₹3.52 Cr | +0.94% | +0.97% | +0.87% |
| L&T Technology Services Ltd. | Technology | 0.71% | ₹3.46 Cr | +0.74% | +0.80% | +0.99% |
| Firstsource Solutions Ltd. | Services | 0.70% | ₹3.42 Cr | +0.76% | +0.65% | +0.68% |
| Meesho Ltd. | Services | 0.67% | ₹3.25 Cr | +0.65% | +1.37% | — |
| Aditya Vision Ltd. | Services | 0.60% | ₹2.91 Cr | — | — | — |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 0.56% | ₹2.73 Cr | +1.61% | +1.80% | +1.81% |
| CreditAccess Grameen Ltd. | Financial | 0.55% | ₹2.67 Cr | — | +0.28% | +0.32% |
| United Spirits Ltd. | Consumer Staples | 0.52% | ₹2.53 Cr | — | — | — |
| 360 One Wam Ltd. | Financial | 0.52% | ₹2.53 Cr | +0.53% | — | — |
| Go Digit General Insurance Ltd. | Insurance | 0.46% | ₹2.23 Cr | — | — | — |
| Praj Industries Ltd. | Capital Goods | 0.45% | ₹2.18 Cr | +0.50% | +0.48% | +0.61% |
| Supreme Industries Ltd. | Materials | 0.34% | ₹1.64 Cr | +0.37% | +0.43% | +0.50% |
| Multi Commodity Exchange Of India Ltd. | Services | 0.28% | ₹1.36 Cr | +0.27% | — | — |
| GOI | Sovereign | 0.21% | ₹1.02 Cr | +0.23% | +0.24% | +0.25% |
| Atul Ltd. | Chemicals | 0.15% | ₹0.75 Cr | +0.89% | +0.91% | +0.89% |
| TVS Motor Company Ltd - Pref. Shares | Automobile | 0.01% | ₹0.06 Cr | +0.01% | +0.01% | +0.01% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Axis Bank Ltd. | 1.62% | 0.00% | -1.62% |
| Dr. Lal Pathlabs Ltd. | 0.68% | 2.21% | +1.52% |
| company:407 | 0.00% | 1.48% | +1.48% |
| company:20621 | 0.00% | 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 India | 0.53% | 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% |
| Others | 0.24% | 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 Ltd | 0.82% | 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% |
| GOI | 0.22% | 0.21% | -0.01% |
| State Bank of India | 1.29% | 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. Shares | 0.01% | 0.01% | 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 | ₹1,939 Cr | 2.31% | 2.6% | 6.4% | 12.0% |
| ₹3,127 Cr | 2.22% | -3.2% | 2.3% | 9.0% | |
| ₹2,255 Cr | 2.20% | 6.6% | 6.2% | 10.4% | |
| ₹2,158 Cr | 2.14% | 4.5% | 10.8% | 16.5% | |
| ₹216 Cr | 2.69% | 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
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 months19.85% absolute | ₹60,000 | ₹71,910 | 19.85% | |
| 1 year13.45% annualised | ₹1,20,000 | ₹1,29,112 | 7.59% | |
| 3 years14.74% annualised | ₹3,60,000 | ₹4,54,861 | 26.35% | |
| 5 years10.36% annualised | ₹6,00,000 | ₹7,88,532 | 31.42% |
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.