Aditya Birla Sun Life Retirement Fund ''The 50s Plus - Debt Plan''
An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier).
February 2026
| Debt Scheme |  |
 |
 |
 |
An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier).
February 2026
| Debt Scheme | |
|
|
|
| Investment Objective | |
| The primary investment objective of the Scheme isincome 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. The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved. | |
| Fund Category: Retirement Fund (Solution Oriented Fund) |
|
| Fund Snapshot | |
| Date of Allotment : Mar 11, 2019 | |
| Benchmark: CRISIL Short Term Bond Index | |
| Fund Manager - Mr. Harshil Suvarnkar Managing the Fund Since: November 01, 2024 Experience in Managing the Fund: 1.3 Years |
|
| SIP: Monthly: Minimum ₹ 500/- and in multiples of ₹ 1/- thereafter |
|
| Application Amount for fresh subscription: ₹ 1000 (plus in multiplies of ₹ 1) |
|
| Minimum Additional Investment: ₹ 1,000 (plus in multiplies of ₹ 1) |
|
| Load Structure (as % of NAV) (Incl. for SIP) | |
| Entry Load: | NIL |
| Exit Load: | Upon completion of lock-in period of minimum 5 years from the date of allotment of units or Retirement Age of Unit holder (i.e.completion of 60 years,whichever is earlier): Nil |
| AUM as on February 27, 2026 (in ₹Crore) | |
| Month End AUM | 16.20 |
| Monthly Average AUM | 16.39 |
| Total Expense Ratio (TER) | |
| Regular | 2.07% |
| Direct | 0.84% |
| Including additional expenses and goods and service tax on management fees. | |
| NAV as on February 27, 2026 | |
| Regular Growth | 13.44 |
| Regular IDCW$ | 10.94 |
| Direct Growth | 14.69 |
| Direct IDCW$ | 11.94 |
| $Income Distribution cum capital withdrawal | |
| Top 10 Sectoral Contribution (in %) |
 |
| Rating Profile of Portfolio |
 |
| Volatility Measures | |
| Standard Deviation | 1.10% |
| Sharpe Ratio | 0.26 |
| Beta | 1.33 |
| Treynor Ratio | 0.00 |
| Information Ratio | -0.85 |
Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns. Risk Free Rate assumed to be 5.17% (FBIL Overnight MIBOR as on 27 February, 2026) for calculating SharpeRatio |
|
Sector/Issuer Name |
Rating |
% to Net Assets |
Debt & Debt Related |
|
|
Government Bond |
|
73.58% |
7.27% GOI 08APR26 |
SOV |
45.97% |
6.57% GOI (MD 05/12/2033) |
SOV |
18.43% |
7.34% INDIA GOVERNMENT BOND 22APR2064 |
SOV |
9.17% |
State Government bond |
|
7.75% |
7.49% RAJASTHAN 28AUG2035 SDL |
SOV |
4.95% |
7.25% MAHARASHTRA 28DEC2026 SDL |
SOV |
1.56% |
HARYANA 08.21% 31MAR2026 SDL |
SOV |
1.24% |
Fixed rates bonds - Corporate |
6.40% |
|
HDFC Bank Limited |
CRISIL AAA |
6.40% |
Cash Management Bills |
|
6.40% |
Government of India |
SOV |
6.40% |
Net Cash and Cash Equivalent |
5.87% |
|
Grand Total |
|
100.00% |
| Scheme Name | |
| Aditya Birla Sun Life Retirement Fund ''The 50s Plus - Debt Plan'' An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier) |
|
| This product is suitable for investors who are seeking*: | |
|
|
Risk-o-meter  |
Benchmark Risk-o-meter CRISIL Short Term Bond Index  |
| *Investors should consult their financial advisors if in doubt whether the product is suitable for them. | |