Aditya Birla Sun Life Retirement Fund - The 50s Plan
An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
February 2026
| Equity Scheme |  |
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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)
February 2026
| Equity Scheme | |
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| Investment Objective | |
| The investment objective of the scheme is to provide long term capital appreciation by investing in equity and equity related Instruments of Public Sector Undertakings (PSUs). The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved. |
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| Fund Category: Retirement Fund | |
| Fund Snapshot | |
| Date of Allotment : Mar 11, 2019 | |
| Benchmark: CRISIL Short Term Debt Hybrid 75+25 Index | |
| Fund Manager - Mr. Harshil Suvarnkar Managing the Fund Since: March 22, 2021 Experience in Managing the Fund: 4.9 Years |
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| Fund Manager - Mr. Mohit Sharma Managing the Fund Since: November 01, 2024 Experience in Managing the Fund: 1.3 Years |
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| SIP: Monthly: Minimum ₹ 500/- and in multiples of ₹ 1 thereafter |
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| Application Amount for fresh subscription: ₹ 1,000 (plus in multiplies of ₹ 1) |
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| Minimum Additional Investment: ₹ 1000 (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: 39 | |
| AUM as on February 27, 2026 (in ₹Crore) | |
| Month End AUM | 26.58 |
| Monthly Average AUM | 26.54 |
| Total Expense Ratio (TER) | |
| Regular | 1.93% |
| Direct | 0.61% |
| Including additional expenses and goods and service tax on management fees. | |
| NAV as on February 27, 2026 | |
| Regular Growth | 14.95 |
| Regular IDCW$ | 12.17 |
| Direct Growth | 16.46 |
| Direct IDCW$ | 13.39 |
| $Income Distribution cum capital withdrawal | |
| Top 10 Sectoral Contribution (in %) |
 |
| Market Capitalisation |
 |
| Volatility Measures | |
| Portfolio Turnover | 0.06 |
| Standard Deviation | 3.32% |
| Sharpe Ratio | 1.11 |
| Beta | 0.93 |
| Treynor Ratio | 0.04 |
| Information Ratio | -0.23 |
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 |
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| Rating Profile of Portfolio |  |
| Sector/Issuer Name | Rating |
% to Net Assets |
Debt & Debt Related |
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Government Bond |
53.71 % |
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• 7.18% GOVERNMENT ON INDIA 14AUG2033 GSEC |
SOV |
19.41 % |
• 7.27% GOI 08APR26 |
SOV |
18.85 % |
• 7.26% GOVERNMENT OF INDIA 06FEB33 |
SOV |
8.79 % |
• 6.57% GOI (MD 05/12/2033) |
SOV |
3.74 % |
• 7.17% GOVERNMENT OF INDIA 17APR30 |
SOV |
2.92 % |
Fixed rates bonds - Corporate |
7.80 % |
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• HDFC Bank Limited |
CRISIL AAA |
7.80 % |
State Government bond |
3.02 % |
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• 7.49% RAJASTHAN 28AUG2035 SDL |
SOV |
3.02 % |
| Sector/Issuer Name | % of Total AUM |
% of Derivatives |
% of Net AUM |
Equity & Equity Related |
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Banks |
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8.09% |
• HDFC Bank Limited |
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2.00% |
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• ICICI Bank Limited |
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1.82% |
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• State Bank of India |
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1.28% |
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Axis Bank Limited |
|
0.89% |
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The Federal Bank Limited |
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0.85% |
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Bank of Maharashtra |
|
0.47% |
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Bank of Baroda |
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0.47% |
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Kotak Mahindra Bank Limited |
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0.31% |
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Healthcare Services |
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2.70% |
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Fortis Healthcare Limited |
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1.16% |
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METROPOLIS HEALTHCARE LIMITED |
1.07% |
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Apollo Hospitals Enterprise Limited |
0.47% |
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Pharmaceuticals & Biotechnology |
1.41% |
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Sun Pharmaceutical Industries Limited |
0.65% |
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Torrent Pharmaceuticals Limited |
0.59% |
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Cipla Limited |
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0.16% |
Finance |
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1.38% |
Bajaj Finance Limited |
|
0.94% |
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SBFC Finance Ltd |
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0.33% |
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Cholamandalam Investment and Finance Company Limited |
0.11% |
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Insurance |
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1.32% |
Max Financial Services Limited |
1.01% |
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SBI Life Insurance Company Limited |
0.31% |
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| Sector/Issuer Name | % of Total AUM |
% of Derivatives |
% of Net AUM |
Non - Ferrous Metals |
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1.22% |
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Hindalco Industries Limited |
|
1.22% |
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Telecom - Services |
|
1.06% |
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Bharti Airtel Limited |
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1.06% |
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Electrical Equipment |
|
1.02% |
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TD Power Systems Limited |
|
1.02% |
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Auto Components |
|
0.98% |
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SJS Enterprises Pvt Limited |
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0.66% |
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Sona BLW Precision Forgings Limited |
0.32% |
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Cement & Cement Products |
0.90% |
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UltraTech Cement Limited |
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0.90% |
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Construction |
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0.72% |
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Larsen & Toubro Limited |
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0.59% |
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H.G. Infra Engineering Limited |
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0.13% |
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IT - Software |
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0.70% |
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Tech Mahindra Limited |
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0.36% |
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Infosys Limited |
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0.34% |
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Automobiles |
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0.63% |
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Bajaj Auto Limited |
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0.63% |
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Retailing |
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0.58% |
Avenue Supermarts Limited |
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0.35% |
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Eternal Limited |
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0.23% |
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Personal Products |
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0.51% |
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Godrej Consumer Products Limited |
0.51% |
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Chemicals & Petrochemicals |
0.34% |
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Vinati Organics Limited |
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0.34% |
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Consumer Durables |
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0.29% |
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Whirlpool of India Limited |
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0.24% |
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V-Guard Industries Limited |
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0.06% |
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Power |
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0.23% |
NTPC Limited |
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0.23% |
Food Products |
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0.21% |
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Mrs Bectors Food Specialities Limited |
0.21% |
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Industrial Manufacturing |
0.16% |
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Praj Industries Limited |
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0.16% |
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Net Cash and Cash Equivalent |
11.02% |
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Grand Total |
100.00% |
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| Scheme Name | |
| Aditya Birla Sun Life Retirement
Fund - The 50s 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 Debt Hybrid 75+25 Index  |
| *Investors should consult their financial advisors if in doubt whether the product is suitable for them. | |