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)
June 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)
June 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: 5.3 Years |
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| Fund Manager - Mr. Mohit Sharma 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: ₹ 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 June 30, 2026 (in ₹Crore) | |
| Month End AUM | 27.11 |
| Monthly Average AUM | 26.90 |
| Base Expense Ratio (BER) | |
| Regular | 1.68% |
| Direct | 0.54% |
| BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors. | |
| NAV as on June 30, 2026 | |
| Regular Growth | 15.10 |
| Regular IDCW$ | 12.28 |
| Direct Growth | 16.69 |
| Direct IDCW$ | 13.58 |
| $Income Distribution cum capital withdrawal | |
| Top 10 Sectoral Contribution (in %) |
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| Market Capitalisation |
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| Volatility Measures | |
| Portfolio Turnover | 0.22 |
| Standard Deviation | 4.28% |
| Sharpe Ratio | 0.49 |
| Beta | 1.00 |
| Treynor Ratio | 0.02 |
Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns. Risk FreeRate assumed tobe 5.50%(FBIL OvernightMIBOR as on 30 June, 2026) for calculating SharpeRatio |
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| Rating Profile of Portfolio |  |
| Sector/Issuer Name | Rating |
% to Net Assets |
% to Net Assets |
| Debt & Debt Related | |||
| Government Bond | 34.98% | ||
| ● 6.48% GOI 06Oct2035 | SOV | 19.90% | |
| ● 7.26% GOVERNMENT OF INDIA 06FEB33 | SOV | 8.57% | |
| ● 6.57% GOI (MD 05/12/2033) | SOV | 3.66% | |
| ● 7.17% GOVERNMENT OF INDIA 17APR30 | SOV | 2.84% | |
| Fixed rates bonds - Corporate | 7.58% | ||
| ● HDFC Bank Limited | CRISIL AAA | 7.58% | |
| State Government bond | 2.96% | ||
| ● 7.49% RAJASTHAN 28AUG2035 SDL | SOV | 2.96% | |
| Sector/Issuer Name | % of Total AUM | % of Derivatives | % of Net AUM |
| Equity & Equity Related | |||
| Banks | 7.62% | ||
| ● ICICI Bank Ltd. | 1.78% | ||
| ● HDFC Bank Ltd. | 1.77% | ||
| State Bank of India | 1.07% | ||
| Federal Bank Ltd. | 0.91% | ||
| Axis Bank Ltd. | 0.84% | ||
| Bank of Maharashtra | 0.57% | ||
| Bank of Baroda | 0.39% | ||
| Kotak Mahindra Bank Ltd. | 0.29% | ||
| Healthcare Services | 2.86% | ||
| Metropolis Healthcare Ltd. | 1.20% | ||
| Fortis Healthcare Ltd. | 1.15% | ||
| Apollo Hospitals Enterprise Ltd. | 0.51% | ||
| Pharmaceuticals & Biotechnology | 1.48% | ||
| Sun Pharmaceutical Industries Ltd. | 0.69% | ||
| Torrent Pharmaceuticals Ltd. | 0.62% | ||
| Cipla Ltd. | 0.17% | ||
| Electrical Equipment | 1.38% | ||
| ● TD Power Systems Ltd. | 1.38% | ||
| Finance | 1.35% | ||
| Bajaj Finance Ltd. | 0.93% | ||
| SBFC Finance Ltd. | 0.31% | ||
| Cholamandalam Investment and Finance Company Ltd. | 0.11% | ||
| Non - Ferrous Metals | 1.23% | ||
| ● Hindalco Industries Ltd. | 1.23% | ||
| Sector/Issuer Name | Rating |
% of Derivatives |
% to Net Assets |
| Auto Components | 1.18% | ||
| S.J.S. Enterprises Ltd. | 0.82% | ||
| Sona BLW Precision Forgings Ltd. | 0.36% | ||
| Insurance | 1.13% | ||
| Max Financial Services Ltd. | 0.86% | ||
| SBI Life Insurance Company Ltd. | 0.26% | ||
| Telecom - Services | 1.02% | ||
| Bharti Airtel Ltd. | 1.02% | ||
| Cement & Cement Products | 0.78% | ||
| UltraTech Cement Ltd. | 0.78% | ||
| Construction | 0.69% | ||
| Larsen & Toubro Ltd. | 0.56% | ||
| H.G. Infra Engineering Ltd. | 0.13% | ||
| Retailing | 0.63% | ||
| Avenue Supermarts Ltd. | 0.39% | ||
| Eternal Ltd. | 0.24% | ||
| IT - Software | 0.62% | ||
| Tech Mahindra Ltd. | 0.36% | ||
| Infosys Ltd. | 0.26% | ||
| Automobiles | 0.61% | ||
| Bajaj Auto Ltd. | 0.61% | ||
| Personal Products | 0.42% | ||
| Godrej Consumer Products Ltd. | 0.42% | ||
| Chemicals & Petrochemicals | 0.30% | ||
| Vinati Organics Ltd. | 0.30% | ||
| Consumer Durables | 0.26% | ||
| Whirlpool of India Ltd. | 0.20% | ||
| V-Guard Industries Ltd. | 0.06% | ||
| Power | 0.21% | ||
| NTPC Ltd. | 0.21% | ||
| Food Products | 0.18% | ||
| Mrs. Bectors Food Specialities Ltd. | 0.18% | ||
| Industrial Manufacturing | 0.17% | ||
| Praj Industries Ltd. | 0.17% | ||
| Net Cash and Cash Equivalent | 30.37% | ||
| 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 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. | |