Aditya Birla Sun Life Retirement Fund - The 50s Plan
Retirement SolutionsModerately HighOPEN-ENDED
- NAV as on 24 Sep 2026
- ₹15.05-0.65%1 day
- Return since launch
- 5.6%
- 52-week range
- ₹14.42 — ₹15.30
- AUM
- ₹27.28 Cr
Aditya Birla Sun Life Retirement Fund - The 50s Plan is a Retirement Solutions hybrid fund from Aditya Birla Sun Life Mutual Fund with ₹27.28 Cr under management, launched in 2019. Over three years it has returned 4.8% a year, against 8.0% 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 +2.9% against -0.4% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 2.0% | +1.3 pts | 0.7% | -1.2% |
| 2Y | 3.5% | +1.3 pts | 2.2% | 1.3% |
| 3Y | 4.8% | −3.2 pts | 8.0% | 3.8% |
| 5Y | 6.1% | −0.9 pts | 6.9% | 7.0% |
| 7Y | 5.7% | −3.9 pts | 9.6% | 8.0% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -1.5% | +1.1 pts | -2.6% | -2.4% |
| 3M | -0.3% | +0.5 pts | -0.8% | -1.1% |
| 6M | 3.1% | −1.1 pts | 4.3% | 4.2% |
| 1Y | 2.9% | +2.2 pts | 0.7% | -0.4% |
| 2Y | 3.2% | +2.9 pts | 0.3% | 0.8% |
| 3Y | 6.5% | −1.5 pts | 8.0% | 8.0% |
| 5Y | 5.5% | −1.4 pts | 6.9% | 6.8% |
| 7Y | 5.5% | −4.6 pts | 10.1% | 8.9% |
Since launch (19 Feb 2019): 5.6%
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 22 Sep 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 | 0.34 | 0.56 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.38 | 0.72 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 4.17 | 12.81 | 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 31 Aug 2026
Asset allocation
- Equity24.8%
- Debt44.9%
- Other30.3%
Market cap split
- Large62.9%
- Mid15.7%
- Small21.4%
- P/E
- 24.82
- P/B
- 3.38
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 30.33% | ₹8.27 Cr | +6.12% | +4.06% | +4.20% |
| HDFC Bank Ltd. | Financial | 9.01% | ₹2.46 Cr | +3.34% | +4.01% | +4.33% |
| GOI | Sovereign | 8.48% | ₹2.31 Cr | +8.53% | +18.85% | +2.94% |
| Rajasthan State | Others | 2.91% | ₹0.79 Cr | +2.94% | +3.02% | — |
| ICICI Bank Ltd. | Financial | 1.87% | ₹0.51 Cr | +1.65% | +1.82% | +1.85% |
| TD Power Systems Ltd. | Capital Goods | 1.72% | ₹0.47 Cr | +1.49% | +1.02% | +0.57% |
| Hindalco Industries Ltd. | Metals & Mining | 1.30% | ₹0.36 Cr | +1.48% | +1.22% | +0.93% |
| Metropolis Healthcare Ltd. | Healthcare | 1.28% | ₹0.35 Cr | +1.25% | +1.07% | +1.24% |
| State Bank of India | Financial | 1.10% | ₹0.30 Cr | +1.02% | +1.28% | +0.86% |
| Fortis Healthcare Ltd. | Healthcare | 1.08% | ₹0.30 Cr | +1.13% | +1.16% | +1.13% |
| Bharti Airtel Ltd. | Communication | 1.00% | ₹0.27 Cr | +1.03% | +1.06% | +1.07% |
| The Federal Bank Ltd. | Financial | 0.98% | ₹0.27 Cr | +0.81% | +0.85% | +0.55% |
| Bajaj Finance Ltd. | Financial | 0.97% | ₹0.26 Cr | +0.85% | +0.94% | +1.66% |
| SJS Enterprises Ltd. | Automobile | 0.91% | ₹0.25 Cr | +0.79% | +0.66% | +0.49% |
| Max Financial Services Ltd. | Financial | 0.85% | ₹0.23 Cr | +0.93% | +1.01% | +0.90% |
| Axis Bank Ltd. | Financial | 0.81% | ₹0.22 Cr | +0.82% | +0.89% | +0.67% |
| Ultratech Cement Ltd. | Materials | 0.79% | ₹0.22 Cr | +0.81% | +0.90% | +0.90% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 0.73% | ₹0.20 Cr | +0.67% | +0.65% | +0.60% |
| Torrent Pharmaceuticals Ltd. | Healthcare | 0.67% | ₹0.18 Cr | +0.60% | +0.59% | +0.49% |
| Bajaj Auto Ltd. | Automobile | 0.64% | ₹0.18 Cr | +0.66% | +0.63% | +0.55% |
| Larsen & Toubro Ltd. | Construction | 0.54% | ₹0.15 Cr | +0.56% | +0.59% | +0.50% |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 0.52% | ₹0.14 Cr | +0.49% | +0.47% | +0.46% |
| Bank of Maharashtra | Financial | 0.51% | ₹0.14 Cr | +0.50% | +0.47% | +0.33% |
| Sona BLW Precision Forgings Ltd. | Automobile | 0.47% | ₹0.13 Cr | +0.36% | +0.32% | +0.27% |
| Tech Mahindra Ltd. | Technology | 0.42% | ₹0.11 Cr | +0.39% | +0.36% | +0.45% |
| Godrej Consumer Products Ltd. | Consumer Staples | 0.37% | ₹0.10 Cr | +0.43% | +0.51% | +0.52% |
| Avenue Supermarts Ltd. | Services | 0.34% | ₹0.09 Cr | +0.36% | +0.35% | +0.43% |
| Bank Of Baroda | Financial | 0.34% | ₹0.09 Cr | +0.39% | +0.47% | +0.34% |
| SBFC Finance Ltd. | Financial | 0.34% | ₹0.09 Cr | +0.33% | +0.33% | +0.38% |
| Kotak Mahindra Bank Ltd. | Financial | 0.31% | ₹0.08 Cr | +0.29% | +0.31% | +0.30% |
| Eternal Ltd. | Services | 0.30% | ₹0.08 Cr | +0.23% | +0.23% | +0.30% |
| Vinati Organics Ltd. | Chemicals | 0.29% | ₹0.08 Cr | +0.29% | +0.34% | +0.39% |
| Infosys Ltd. | Technology | 0.29% | ₹0.08 Cr | +0.30% | +0.34% | +0.72% |
| SBI Life Insurance Company Ltd. | Insurance | 0.26% | ₹0.07 Cr | +0.27% | +0.31% | +0.27% |
| Mrs. Bectors Food Specialities Ltd. | Consumer Staples | 0.22% | ₹0.06 Cr | +0.17% | +0.21% | +0.28% |
| Whirlpool Of India Ltd. | Consumer Discretionary | 0.20% | ₹0.05 Cr | +0.21% | +0.24% | +0.34% |
| NTPC Ltd. | Energy | 0.19% | ₹0.05 Cr | +0.23% | +0.23% | +0.20% |
| Praj Industries Ltd. | Capital Goods | 0.17% | ₹0.05 Cr | +0.17% | +0.16% | +0.20% |
| Cipla Ltd. | Healthcare | 0.16% | ₹0.04 Cr | +0.17% | +0.16% | +0.19% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 0.12% | ₹0.03 Cr | +0.10% | +0.11% | +0.09% |
| H.G. Infra Engineering Ltd. | Construction | 0.11% | ₹0.03 Cr | +0.14% | +0.13% | +0.23% |
| V-Guard Industries Ltd. | Consumer Discretionary | 0.06% | ₹0.02 Cr | +0.06% | +0.06% | +0.07% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Others | 3.57% | 2.00% | -1.58% |
| TD Power Systems Ltd. | 1.25% | 1.72% | +0.47% |
| Bharti Airtel Ltd. | 1.09% | 1.00% | -0.09% |
| HDFC Bank Ltd. | 1.65% | 1.56% | -0.09% |
| Bajaj Finance Ltd. | 1.05% | 0.97% | -0.08% |
| Godrej Consumer Products Ltd. | 0.44% | 0.37% | -0.07% |
| Hindalco Industries Ltd. | 1.25% | 1.30% | +0.05% |
| Fortis Healthcare Ltd. | 1.13% | 1.08% | -0.05% |
| Axis Bank Ltd. | 0.77% | 0.81% | +0.04% |
| Rajasthan State | 2.95% | 2.91% | -0.04% |
| Max Financial Services Ltd. | 0.81% | 0.85% | +0.04% |
| SJS Enterprises Ltd. | 0.88% | 0.91% | +0.03% |
| State Bank of India | 1.07% | 1.10% | +0.03% |
| Bajaj Auto Ltd. | 0.61% | 0.64% | +0.03% |
| Ultratech Cement Ltd. | 0.82% | 0.79% | -0.03% |
| GOI | 8.51% | 8.48% | -0.03% |
| SBFC Finance Ltd. | 0.31% | 0.34% | +0.03% |
| Sona BLW Precision Forgings Ltd. | 0.45% | 0.47% | +0.03% |
| Eternal Ltd. | 0.28% | 0.30% | +0.02% |
| ICICI Bank Ltd. | 1.84% | 1.87% | +0.02% |
| Kotak Mahindra Bank Ltd. | 0.29% | 0.31% | +0.02% |
| SBI Life Insurance Company Ltd. | 0.28% | 0.26% | -0.02% |
| Mrs. Bectors Food Specialities Ltd. | 0.20% | 0.22% | +0.02% |
| Bank of Maharashtra | 0.49% | 0.51% | +0.02% |
| Praj Industries Ltd. | 0.15% | 0.17% | +0.02% |
| Larsen & Toubro Ltd. | 0.53% | 0.54% | +0.01% |
| NTPC Ltd. | 0.20% | 0.19% | -0.01% |
| H.G. Infra Engineering Ltd. | 0.13% | 0.11% | -0.01% |
| Torrent Pharmaceuticals Ltd. | 0.68% | 0.67% | -0.01% |
| Cipla Ltd. | 0.17% | 0.16% | -0.01% |
| The Federal Bank Ltd. | 0.99% | 0.98% | -0.01% |
| Tech Mahindra Ltd. | 0.42% | 0.42% | -0.01% |
| Bank Of Baroda | 0.35% | 0.34% | -0.01% |
| V-Guard Industries Ltd. | 0.06% | 0.06% | +0.01% |
| Vinati Organics Ltd. | 0.29% | 0.29% | +0.01% |
| Apollo Hospitals Enterprise Ltd. | 0.53% | 0.52% | 0.00% |
| Sun Pharmaceutical Industries Ltd. | 0.73% | 0.73% | 0.00% |
| Avenue Supermarts Ltd. | 0.35% | 0.34% | 0.00% |
| Metropolis Healthcare Ltd. | 1.28% | 1.28% | 0.00% |
| Infosys Ltd. | 0.29% | 0.29% | 0.00% |
| Cholamandalam Investment and Finance Company Ltd. | 0.11% | 0.12% | 0.00% |
| Whirlpool Of India Ltd. | 0.20% | 0.20% | 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 | ₹936 Cr | 2.43% | 0.9% | 5.4% | 9.4% |
 Tata Retirement Savings Moderate Fund | ₹2,251 Cr | 2.17% | 5.8% | 6.5% | 10.0% |
 ICICI Prudential Retirement Fund - Hybrid Aggressive Plan | ₹1,320 Cr | 2.48% | 3.3% | 9.6% | 14.2% |
 Axis Retirement Fund - Aggressive Plan | ₹706 Cr | 2.49% | -3.0% | 2.7% | 6.9% |
| Axis Retirement Fund - Dynamic Plan | ₹285 Cr | 2.57% | -1.6% | 3.4% | 7.6% |
| Aditya Birla Sun Life Retirement Fund - The 40s Plan | ₹116 Cr | 2.42% | -0.2% | 5.0% | 8.4% |
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 months3.12% absolute | ₹60,000 | ₹61,872 | 3.12% | |
| 1 year2.91% annualised | ₹1,20,000 | ₹1,21,908 | 1.59% | |
| 3 years6.50% annualised | ₹3,60,000 | ₹3,98,464 | 10.68% | |
| 5 years5.54% annualised | ₹6,00,000 | ₹6,92,697 | 15.45% |
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 ₹15.05 as on 24 Sep 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 2.0% over 1 year, 4.8% over 3 years and 6.1% 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 ₹4,32,524 Cr under management.