Aditya Birla Sun Life Retirement Fund - 30 s · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹22.5110
as of 15 Jul 2026
Expense Ratio
2.41%
AUM
₹416 Cr
Lumpsum returns (CAGR)
- 1Y
- +11.68%
- 3Y
- +15.73%
- 5Y
- +11.57%
- Since Inception
- +11.57%
SIP returns (XIRR)
- 1Y
- +19.31%
- 3Y
- +14.09%
- 5Y
- +14.09%
- Since Inception
- +13.60%
What history actually did — last 7 years (Jul 2019 – Jul 2026)
A ₹5,000 monthly SIP for the last 7 years (Jul 2019 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹6,80,300 today — ₹4,20,000 invested, 13.8% XIRR.
₹4,20,000
Invested
₹6,80,300
Value today
13.8%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Jul 2019 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹2,29,455 today (12.6% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Jul 2019 would still hold ₹16,14,246.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹6,80,300 in this fund vs ₹6,18,883 in the benchmark — outperformance of ₹61,417.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Jul 2019 – Jul 2026) (22 Mar 2020) would be ₹3,16,011 today (3.16×).
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, annualised0.55
Sharpe Ratio
+0.14
Alpha
0.48
Beta
0.53
Sortino
15.04%
Std Dev
-13.40%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Icici Bank Limited3.62%
- 2Aditya Infotech Ltd3.29%
- 3Sjs Enterprises Pvt Limited2.47%
- 4Kirloskar Oil Eng Ltd2.44%
- 5Hindalco Industries Limited2.31%
- 6Ather Energy Ltd2.28%
- 7Hdfc Bank Limited2.20%
- 8Shilpa Medicare Ltd2.09%
- 9Gmr Airport Ltd2.07%
- 10Jindal Steel & Power Limited2.06%
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 ₹416 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