Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansAditya Birla Sun Life Retirement Fund - 30 s · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹22.0680
as of 30 Sept 2026
Expense Ratio
2.41%
AUM
₹438 Cr
Lumpsum returns (CAGR)
- 1Y
- +11.58%
- 3Y
- +14.00%
- 5Y
- +10.33%
- Since Inception
- +11.04%
SIP returns (XIRR)
- 1Y
- +11.09%
- 3Y
- +11.17%
- 5Y
- +12.64%
- Since Inception
- +12.58%
What history actually did — last 7 years (Oct 2019 – Sept 2026)
A ₹5,000 monthly SIP for the last 7 years (Oct 2019 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹6,46,549 today — ₹4,15,000 invested, 12.7% XIRR.
₹4,15,000
Invested
₹6,46,549
Value today
12.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Oct 2019 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹2,28,802 today (12.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2019 would still hold ₹16,41,476.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹6,46,549 in this fund vs ₹5,59,748 in the benchmark — outperformance of ₹86,801.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Oct 2019 – Sept 2026) (22 Mar 2020) would be ₹3,12,136 today (3.12×).
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, annualised0.95
Sharpe Ratio
+0.18
Alpha
0.46
Beta
0.93
Sortino
13.74%
Std Dev
-13.40%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks13.75%
- Retailing6.56%
- Auto Components6.41%
- IT - Software6.10%
- Finance5.81%
- Industrial Products5.26%
- Automobiles5.03%
- Industrial Manufacturing4.04%
- Pharmaceuticals & Biotechnology4.01%
- Healthcare Services3.46%
- Transport Infrastructure3.33%
- Petroleum Products3.27%
Each sector links to the mutual funds most exposed to it.
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Ltd.3.83%
- 2Ather Energy Ltd.3.71%
- 3Aditya Infotech Ltd.3.60%
- 4S.J.S. Enterprises Ltd.2.66%
- 5Eternal Ltd.2.27%
- 6Dr. Lal Path Labs Ltd.2.21%
- 7Sona Blw Precision Forgings Ltd.2.16%
- 8Ajanta Pharma Ltd.1.96%
- 9Hdfc Bank Ltd.1.91%
- 10Hindalco Industries Ltd.1.90%
Investment objective — in the AMC’s words
The primary investment objective of the Scheme is income generation and capital appreciation for its investors which will be in line with their retirement goals by investing in a mix of equity, equity related instruments along with debt and money market instruments.
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?
- •Aggressive investors comfortable with significant short-term volatility
- •Investors with a long-term horizon of 7+ years who can ride out market cycles
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations