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).
July 2026
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An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier).
July 2026
| Equity Scheme | |
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| 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) |
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| 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: 1.7 Years |
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| SIP: Monthly: Minimum ₹ 500/- and in multiples of ₹ 1/- thereafter |
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| Application Amount for fresh subscription: ₹ 1000 (plus in multiplies of ₹ 1) |
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| Minimum Additional Investment: ₹ 1,000 (plus in multiplies of ₹ 1) |
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| 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 |
| Count of Securities: | 0 |
| AUM as on July 31, 2026 (in ₹Crore) | |
| Month End AUM | 13.82 |
| Monthly Average AUM | 14.02 |
| Base Expense Ratio (BER) | |
| Regular | 1.81% |
| Direct | 0.78% |
| BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors. | |
| NAV as on July 31, 2026 | |
| Regular Growth | 13.62 |
| Regular IDCW$ | 11.08 |
| Direct Growth | 14.95 |
| Direct IDCW$ | 12.16 |
| $Income Distribution cum capital withdrawal | |
| Sectoral Contribution(in %) |
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| Rating Profile of Portfolio |
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| Volatility Measures | |
| Portfolio Turnover | 0.05 |
| Standard Deviation | 1.32% |
| Sharpe Ratio | -0.35 |
| Beta | 1.19 |
| Treynor Ratio | 0.00 |
Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns. Risk FreeRate assumed tobe 5.41%(FBIL OvernightMIBOR as on 31 July, 2026) for calculating SharpeRatio |
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| Sector/Issuer Name | Rating | % to Net Assets | |
| Debt & Debt Related | |||
| Government Bond | 30.30% | ||
| Government of India 6.57% 05.12.2033 GOV | SOV | 21.53% | |
| Government Of India 7.34% 22.04.2064 GOV | SOV | 8.77% | |
| Cash Management Bills | 7.66% | ||
| Government of India | SOV | 7.66% | |
| State Government bond | 7.64% | ||
| State Government of Rajasthan 7.49% 28.08.2035 SDL | SOV | 5.81% | |
| State Government of Maharashtra 7.25% 28.12.2026 SDL | SOV | 1.82% | |
| Fixed rates bonds - Corporate | 7.40% | ||
| HDFC Bank Ltd. | CRISIL AAA | 7.40% | |
| Net Cash and Cash Equivalent | 47.01% | ||
| Grand Total | 100.00% | ||
Miscellaneous includes securities with exposure of less than 0.01%
| Product Label | |
| 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) |
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| This product is suitable for investors who are seeking*: | |
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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. | |