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 - 50 s · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹14.9781
as of 29 Sept 2026
Expense Ratio
1.93%
AUM
₹27 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.74%
- 3Y
- +6.32%
- 5Y
- +5.45%
- Since Inception
- +5.49%
SIP returns (XIRR)
- 1Y
- +1.64%
- 3Y
- +4.54%
- 5Y
- +5.79%
- Since Inception
- +5.49%
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 ₹5,02,993 today — ₹4,15,000 invested, 5.5% XIRR.
₹4,15,000
Invested
₹5,02,993
Value today
5.5%
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 ₹1,44,513 today (5.4% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2019 would still hold ₹9,42,141.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,02,993 in this fund vs ₹5,62,117 in the benchmark — underperformance of ₹59,124.
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 ₹1,42,657 today (1.43×).
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, annualised-0.45
Sharpe Ratio
+0.00
Alpha
0.15
Beta
-0.43
Sortino
3.82%
Std Dev
-3.85%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks7.47%
- Healthcare Services2.89%
- Electrical Equipment1.72%
- Pharmaceuticals & Biotechnology1.57%
- Finance1.42%
- Auto Components1.39%
- Non - Ferrous Metals1.30%
- Insurance1.11%
- Telecom - Services1.00%
- Cement & Cement Products0.79%
- IT - Software0.71%
- Construction0.66%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Government Of India (06/10/2035)19.58%
- 2Government Of India (06/02/2033)8.48%
- 38.55% Hdfc Bank Ltd. (27/03/2029) **7.45%
- 4Government Of India (05/12/2033)3.63%
- 5State Government Securities (28/08/2035)2.91%
- 6Government Of India (17/04/2030)2.81%
- 7Icici Bank Ltd.1.87%
- 8Td Power Systems Ltd.1.72%
- 9Hdfc Bank Ltd.1.56%
- 10Hindalco Industries Ltd.1.30%
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 - 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