Aditya Birla Sun Life Retirement Fund - 50 s · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹15.0038
as of 16 Jun 2026
Expense Ratio
1.93%
AUM
₹26 Cr
Lumpsum returns (CAGR)
- 1Y
- +3.78%
- 3Y
- +7.63%
- 5Y
- +5.75%
- Since Inception
- +5.74%
SIP returns (XIRR)
- 1Y
- +4.15%
- 3Y
- +6.00%
- 5Y
- +6.50%
- Since Inception
- +5.97%
This fund trailed its benchmark
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SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹43,500
Invested
₹53,659
Value today
5.8%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹1,489
Value today
5.6%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹4,35,000
Withdrawn
₹9,52,003
Corpus left
+₹3,87,003 net gain — withdrew ₹4,35,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹8,95,420
Value today
+0.3%
vs lumpsum
STP beat direct lumpsum by 0.3% — reduced timing risk paid off
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,41,779
Value today
1.4×
Multiple
Staying invested through that crash turned ₹1L into ₹1,41,779 — a 1.4× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.55
Sharpe Ratio
-0.00
Alpha
0.13
Beta
-0.54
Sortino
3.91%
Std Dev
-3.85%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Government Of India (06/10/2035)20.06%
- 2Government Of India (06/02/2033)8.64%
- 38.55% Hdfc Bank Limited (27/03/2029) **7.72%
- 4Government Of India (05/12/2033)3.70%
- 5State Government Securities (28/08/2035)2.98%
- 6Government Of India (17/04/2030)2.90%
- 7Hdfc Bank Limited1.75%
- 8Icici Bank Limited1.68%
- 9Hindalco Industries Limited1.38%
- 10Td Power Systems Limited1.32%
Investment Objective
Aditya Birla Sun Life Retirement Fund - 50 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 - 50 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 ₹26.3 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Short Term Debt Hybrid 75+25 Fund Index. The current expense ratio is 1.93%.
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