Aditya Birla Sun Life Retirement Fund - 50 s · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹15.1992
as of 31 Jul 2026
Expense Ratio
1.93%
AUM
₹27 Cr
Lumpsum returns (CAGR)
- 1Y
- +4.54%
- 3Y
- +7.09%
- 5Y
- +5.96%
- Since Inception
- +5.83%
SIP returns (XIRR)
- 1Y
- +5.55%
- 3Y
- +6.27%
- 5Y
- +6.73%
- Since Inception
- +6.12%
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 ₹5,15,092 today — ₹4,15,000 invested, 6.2% XIRR.
₹4,15,000
Invested
₹5,15,092
Value today
6.2%
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 ₹1,47,148 today (5.7% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2019 would still hold ₹9,56,387.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,15,092 in this fund vs ₹6,16,074 in the benchmark — underperformance of ₹1,00,982.
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 ₹1,44,763 today (1.45×).
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, annualised0.10
Sharpe Ratio
+0.02
Alpha
0.14
Beta
0.10
Sortino
3.82%
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 ₹26.6 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