Aditya Birla Sun Life Retirement Fund - The 50s Plan
Retirement SolutionsModerately HighOPEN-ENDED
- NAV as on 6 Nov 2026
- ₹15.12+0.04%1 day
- Return since launch
- 5.5%
- 52-week range
- ₹14.42 — ₹15.30
- AUM
- ₹26.42 Cr
Aditya Birla Sun Life Retirement Fund - The 50s Plan is a Retirement Solutions hybrid fund from Aditya Birla Sun Life Mutual Fund with ₹26.42 Cr under management, launched in 2019. Over three years it has returned 4.7% a year, against 8.6% for its category. The expense ratio is 1.96% and the SEBI riskometer reading is Moderately High.
Performance
Aditya Birla Sun Life Retirement Fund - The 50s Plan NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +2.1% against +0.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 2.7% | +1.3 pts | 1.4% | 3.0% |
| 2Y | 3.8% | −0.5 pts | 4.2% | 3.3% |
| 3Y | 4.7% | −3.9 pts | 8.6% | 4.5% |
| 5Y | 6.0% | −1.0 pts | 7.0% | 7.3% |
| 7Y | 5.6% | −3.9 pts | 9.5% | 8.2% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 1.4% | −1.8 pts | 3.2% | 3.7% |
| 3M | -1.0% | −0.3 pts | -0.7% | -0.7% |
| 6M | 1.2% | −0.7 pts | 1.9% | 2.9% |
| 1Y | 2.1% | +0.8 pts | 1.4% | 0.1% |
| 2Y | 3.9% | +1.1 pts | 2.9% | 3.3% |
| 3Y | 6.7% | −1.8 pts | 8.6% | 8.5% |
| 5Y | 5.6% | −1.4 pts | 7.0% | 7.0% |
| 7Y | 5.4% | −4.5 pts | 9.9% | 9.0% |
Since launch (19 Feb 2019): 5.5%
Calendar-year returns
Category average7.9%
1.9%
1.5%
10.0%
9.2%
5.5%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 5.5% | −1.0 pts | 6.5% |
| 2024 | 9.2% | −5.7 pts | 14.8% |
| 2023 | 10.0% | −8.6 pts | 18.6% |
| 2022 | 1.5% | −0.9 pts | 2.4% |
| 2021 | 1.9% | −13.1 pts | 15.0% |
| 2020 | 7.9% | −6.7 pts | 14.5% |
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
1.96%
Expense ratio as on 5 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.68%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.28%
- Exit load
- 0%
- Lock-in
- 5 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Short Term Debt Hybrid 75+25 Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Moderately High
Your principal is treated as being at moderately high risk — typically balanced hybrid and index-led equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.16 | 0.40 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.19 | 0.54 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 4.41 | 13.28 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 5 category peers | |||
Portfolio
Aditya Birla Sun Life Retirement Fund - The 50s Plan portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Equity23.8%
- Debt45.0%
- Other31.3%
Market cap split
- Large64.3%
- Mid15.3%
- Small20.4%
- P/E
- 22.56
- P/B
- 3.11
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 30.96% | ₹8.24 Cr | +7.47% | +5.25% | +4.42% |
| HDFC Bank Ltd. | Financial | 9.20% | ₹2.45 Cr | +3.53% | +3.42% | +4.33% |
| GOI | Sovereign | 8.51% | ₹2.27 Cr | +8.57% | +19.51% | +19.12% |
| Rajasthan State | Others | 2.93% | ₹0.78 Cr | +2.96% | +3.08% | +3.07% |
| TD Power Systems Ltd. | Capital Goods | 1.78% | ₹0.47 Cr | +1.38% | +1.00% | +0.68% |
| ICICI Bank Ltd. | Financial | 1.74% | ₹0.46 Cr | +1.78% | +1.65% | +1.79% |
| Hindalco Industries Ltd. | Metals & Mining | 1.24% | ₹0.33 Cr | +1.23% | +1.21% | +1.01% |
| Metropolis Healthcare Ltd. | Healthcare | 1.22% | ₹0.33 Cr | +1.20% | +1.02% | +1.16% |
| State Bank of India | Financial | 1.02% | ₹0.27 Cr | +1.07% | +1.08% | +0.94% |
| Bharti Airtel Ltd. | Communication | 0.99% | ₹0.26 Cr | +1.02% | +1.04% | +1.07% |
| Fortis Healthcare Ltd. | Healthcare | 0.94% | ₹0.25 Cr | +1.15% | +1.01% | +1.20% |
| Bajaj Finance Ltd. | Financial | 0.90% | ₹0.24 Cr | +0.93% | +0.78% | +1.89% |
| The Federal Bank Ltd. | Financial | 0.89% | ₹0.24 Cr | +0.91% | +0.76% | +0.55% |
| SJS Enterprises Ltd. | Automobile | 0.85% | ₹0.23 Cr | +0.82% | +0.60% | +0.55% |
| Axis Bank Ltd. | Financial | 0.78% | ₹0.21 Cr | +0.84% | +0.77% | +0.73% |
| Ultratech Cement Ltd. | Materials | 0.77% | ₹0.21 Cr | +0.78% | +0.79% | +0.87% |
| Max Financial Services Ltd. | Financial | 0.76% | ₹0.20 Cr | +0.86% | +0.86% | +0.88% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 0.68% | ₹0.18 Cr | +0.69% | +0.69% | +0.60% |
| Torrent Pharmaceuticals Ltd. | Healthcare | 0.65% | ₹0.17 Cr | +0.62% | +0.60% | +0.50% |
| Bajaj Auto Ltd. | Automobile | 0.59% | ₹0.16 Cr | +0.61% | +0.58% | +0.56% |
| Larsen & Toubro Ltd. | Construction | 0.52% | ₹0.14 Cr | +0.56% | +0.50% | +0.51% |
| Bank of Maharashtra | Financial | 0.50% | ₹0.13 Cr | +0.57% | +0.40% | +0.36% |
| Sona BLW Precision Forgings Ltd. | Automobile | 0.50% | ₹0.13 Cr | +0.36% | +0.30% | +0.25% |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 0.49% | ₹0.13 Cr | +0.51% | +0.46% | +0.45% |
| Tech Mahindra Ltd. | Technology | 0.40% | ₹0.11 Cr | +0.36% | +0.38% | +0.42% |
| Godrej Consumer Products Ltd. | Consumer Staples | 0.36% | ₹0.09 Cr | +0.41% | +0.43% | +0.49% |
| Avenue Supermarts Ltd. | Services | 0.34% | ₹0.09 Cr | +0.39% | +0.37% | +0.41% |
| Bank Of Baroda | Financial | 0.34% | ₹0.09 Cr | +0.39% | +0.38% | +0.38% |
| Kotak Mahindra Bank Ltd. | Financial | 0.31% | ₹0.08 Cr | +0.29% | +0.28% | +0.30% |
| SBFC Finance Ltd. | Financial | 0.30% | ₹0.08 Cr | +0.31% | +0.30% | +0.38% |
| Eternal Ltd. | Services | 0.30% | ₹0.08 Cr | +0.24% | +0.22% | +0.31% |
| Vinati Organics Ltd. | Chemicals | 0.27% | ₹0.07 Cr | +0.30% | +0.31% | +0.40% |
| Infosys Ltd. | Technology | 0.26% | ₹0.07 Cr | +0.26% | +0.34% | +0.55% |
| SBI Life Insurance Company Ltd. | Insurance | 0.26% | ₹0.07 Cr | +0.26% | +0.28% | +0.27% |
| Whirlpool Of India Ltd. | Consumer Discretionary | 0.23% | ₹0.06 Cr | +0.20% | +0.21% | +0.31% |
| Mrs. Bectors Food Specialities Ltd. | Consumer Staples | 0.21% | ₹0.06 Cr | +0.18% | +0.19% | +0.25% |
| NTPC Ltd. | Energy | 0.19% | ₹0.05 Cr | +0.21% | +0.23% | +0.21% |
| Cipla Ltd. | Healthcare | 0.16% | ₹0.04 Cr | +0.17% | +0.15% | +0.18% |
| Praj Industries Ltd. | Capital Goods | 0.15% | ₹0.04 Cr | +0.17% | +0.16% | +0.17% |
| H.G. Infra Engineering Ltd. | Construction | 0.10% | ₹0.03 Cr | +0.13% | +0.11% | +0.22% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 0.10% | ₹0.03 Cr | +0.11% | +0.09% | +0.10% |
| V-Guard Industries Ltd. | Consumer Discretionary | 0.06% | ₹0.01 Cr | +0.06% | +0.06% | +0.07% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Others | 2.00% | 1.62% | -0.38% |
| Fortis Healthcare Ltd. | 1.08% | 0.94% | -0.14% |
| ICICI Bank Ltd. | 1.87% | 1.74% | -0.13% |
| Max Financial Services Ltd. | 0.85% | 0.76% | -0.09% |
| The Federal Bank Ltd. | 0.98% | 0.89% | -0.09% |
| State Bank of India | 1.10% | 1.02% | -0.08% |
| Bajaj Finance Ltd. | 0.97% | 0.90% | -0.07% |
| Hindalco Industries Ltd. | 1.30% | 1.24% | -0.06% |
| SJS Enterprises Ltd. | 0.91% | 0.85% | -0.06% |
| TD Power Systems Ltd. | 1.72% | 1.78% | +0.06% |
| Metropolis Healthcare Ltd. | 1.28% | 1.22% | -0.06% |
| Bajaj Auto Ltd. | 0.64% | 0.59% | -0.05% |
| Sun Pharmaceutical Industries Ltd. | 0.73% | 0.68% | -0.05% |
| SBFC Finance Ltd. | 0.34% | 0.30% | -0.04% |
| HDFC Bank Ltd. | 1.56% | 1.60% | +0.04% |
| GOI | 8.48% | 8.51% | +0.03% |
| Apollo Hospitals Enterprise Ltd. | 0.52% | 0.49% | -0.03% |
| Infosys Ltd. | 0.29% | 0.26% | -0.03% |
| Vinati Organics Ltd. | 0.29% | 0.27% | -0.03% |
| Rajasthan State | 2.91% | 2.93% | +0.03% |
| Whirlpool Of India Ltd. | 0.20% | 0.23% | +0.03% |
| Axis Bank Ltd. | 0.81% | 0.78% | -0.03% |
| Larsen & Toubro Ltd. | 0.54% | 0.52% | -0.03% |
| Sona BLW Precision Forgings Ltd. | 0.47% | 0.50% | +0.02% |
| Torrent Pharmaceuticals Ltd. | 0.67% | 0.65% | -0.02% |
| Tech Mahindra Ltd. | 0.42% | 0.40% | -0.02% |
| Ultratech Cement Ltd. | 0.79% | 0.77% | -0.02% |
| Praj Industries Ltd. | 0.17% | 0.15% | -0.01% |
| Mrs. Bectors Food Specialities Ltd. | 0.22% | 0.21% | -0.01% |
| Godrej Consumer Products Ltd. | 0.37% | 0.36% | -0.01% |
| Cholamandalam Investment and Finance Company Ltd. | 0.12% | 0.10% | -0.01% |
| H.G. Infra Engineering Ltd. | 0.11% | 0.10% | -0.01% |
| V-Guard Industries Ltd. | 0.06% | 0.06% | -0.01% |
| Bharti Airtel Ltd. | 1.00% | 0.99% | -0.01% |
| Kotak Mahindra Bank Ltd. | 0.31% | 0.31% | +0.01% |
| Bank of Maharashtra | 0.51% | 0.50% | 0.00% |
| Cipla Ltd. | 0.16% | 0.16% | 0.00% |
| Bank Of Baroda | 0.34% | 0.34% | 0.00% |
| NTPC Ltd. | 0.19% | 0.19% | 0.00% |
| Avenue Supermarts Ltd. | 0.34% | 0.34% | 0.00% |
| SBI Life Insurance Company Ltd. | 0.26% | 0.26% | 0.00% |
| Eternal Ltd. | 0.30% | 0.30% | 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 | ₹886 Cr | 2.42% | 5.4% | 6.0% | 9.7% |
 Tata Retirement Savings Moderate Fund | ₹2,115 Cr | 2.16% | 8.2% | 6.6% | 10.0% |
 ICICI Prudential Retirement Fund - Hybrid Aggressive Plan | ₹1,268 Cr | 2.45% | 0.6% | 7.3% | 12.8% |
 Axis Retirement Fund - Aggressive Plan | ₹666 Cr | 2.49% | 5.7% | 4.6% | 8.0% |
| Axis Retirement Fund - Dynamic Plan | ₹269 Cr | 2.56% | 6.7% | 4.9% | 8.6% |
| Aditya Birla Sun Life Retirement Fund - The 40s Plan | ₹110 Cr | 2.42% | 6.0% | 6.4% | 9.1% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The Scheme seeks to invests predominantly in debt and money market instruments with marginal allocation to equity and equity related instruments.
Fund managers
- Harshil SuvarnkarMr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law.Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,
- Mohit SharmaMr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta).Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).
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 months1.20% absolute | ₹60,000 | ₹60,720 | 1.20% | |
| 1 year2.13% annualised | ₹1,20,000 | ₹1,21,394 | 1.16% | |
| 3 years6.72% annualised | ₹3,60,000 | ₹3,99,853 | 11.07% | |
| 5 years5.62% annualised | ₹6,00,000 | ₹6,94,165 | 15.69% |
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 50s Plan?
The NAV of Aditya Birla Sun Life Retirement Fund - The 50s Plan is ₹15.12 as on 6 Nov 2026.
What is the expense ratio of Aditya Birla Sun Life Retirement Fund - The 50s Plan?
The expense ratio of Aditya Birla Sun Life Retirement Fund - The 50s Plan is 1.96% per year.
What is the minimum SIP amount for Aditya Birla Sun Life Retirement Fund - The 50s Plan?
You can start a SIP in Aditya Birla Sun Life Retirement Fund - The 50s Plan with ₹3,000 a month.
What returns has Aditya Birla Sun Life Retirement Fund - The 50s Plan given?
Aditya Birla Sun Life Retirement Fund - The 50s Plan has returned 2.7% over 1 year, 4.7% over 3 years and 6.0% over 5 years (annualised).
Is there a lock-in or exit load on Aditya Birla Sun Life Retirement Fund - The 50s Plan?
Lock-in: 5 years. Exit load: 0%.
How risky is Aditya Birla Sun Life Retirement Fund - The 50s Plan?
Aditya Birla Sun Life Retirement Fund - The 50s Plan is rated Moderately High on the SEBI riskometer and belongs to the Retirement Solutions category.
Which fund house manages Aditya Birla Sun Life Retirement Fund - The 50s Plan?
Aditya Birla Sun Life Retirement Fund - The 50s Plan is managed by Aditya Birla Sun Life Mutual Fund, which runs 86 schemes with ₹4,46,664 Cr under management.