Aditya Birla Sun Life Retirement Fund - 30 s · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹22.5550
as of 31 Jul 2026
Expense Ratio
2.41%
AUM
₹438 Cr
Lumpsum returns (CAGR)
- 1Y
- +13.76%
- 3Y
- +14.62%
- 5Y
- +11.82%
- Since Inception
- +11.64%
SIP returns (XIRR)
- 1Y
- +19.56%
- 3Y
- +14.32%
- 5Y
- +14.22%
- Since Inception
- +13.70%
What history actually did — last 7 years (Aug 2019 – Jul 2026)
A ₹5,000 monthly SIP for the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹6,74,643 today — ₹4,15,000 invested, 13.9% XIRR.
₹4,15,000
Invested
₹6,74,643
Value today
13.9%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹2,46,314 today (13.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2019 would still hold ₹17,88,500.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹6,74,643 in this fund vs ₹6,16,074 in the benchmark — outperformance of ₹58,569.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Aug 2019 – Jul 2026) (22 Mar 2020) would be ₹3,19,024 today (3.19×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised0.70
Sharpe Ratio
+0.17
Alpha
0.50
Beta
0.67
Sortino
14.80%
Std Dev
-13.40%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Aditya Infotech Ltd3.96%
- 2Icici Bank Limited3.80%
- 3Kirloskar Oil Eng Ltd2.87%
- 4Ather Energy Ltd2.58%
- 5Sjs Enterprises Pvt Limited2.49%
- 6Shilpa Medicare Ltd2.40%
- 7Hdfc Bank Limited2.26%
- 8Gmr Airport Ltd2.21%
- 9Trent Limited2.04%
- 10Eternal Limited2.01%
Investment Objective
Aditya Birla Sun Life Retirement Fund - 30 s · Regular · Growth by Aditya Birla Sun Life Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
Aditya Birla Sun Life Retirement Fund - 30 s · Regular · Growth is a Retirement Fund mutual fund offered by Aditya Birla Sun Life Mutual Fund. The fund has been operational for over 7 years. It manages assets worth ₹438 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY 500 TRI. The current expense ratio is 2.41%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations