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).
March 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).
March 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: 1.4 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 |
| AUM as on March 31, 2026 (in ₹Crore) | |
| Month End AUM | 13.98 |
| Monthly Average AUM | 15.20 |
| Total Expense Ratio (TER) | |
| Regular | 2.07% |
| Direct | 0.84% |
| Including additional expenses and goods and service tax on management fees. | |
| NAV as on March 30, 2026 | |
| Regular Growth | 13.34 |
| Regular IDCW$ | 10.85 |
| Direct Growth | 14.59 |
| Direct IDCW$ | 11.87 |
| $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 | 1.27% |
| Sharpe Ratio | -1.66 |
| Beta | 1.37 |
| Treynor Ratio | -0.02 |
Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns. Risk Free Rate assumed to be 6.98 % (FBIL Overnight MIBOR as on 30 March, 2026) for calculating SharpeRatio |
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| Sector/Issuer Name | Rating | % to Net Assets |
| Debt & Debt Related | ||
| Government Bond | 72.39 % | |
| 7.27% GOI 08APR26 | SOV | 42.95 % |
| 6.57% GOI (MD 05/12/2033) | SOV | 20.96 % |
| 7.34% INDIA GOVERNMENT BOND 22APR2064 | SOV | 8.49 % |
| State Government bond | 7.46 % | |
| 7.49% RAJASTHAN 28AUG2035 SDL | SOV | 5.65 % |
| 7.25% MAHARASHTRA 28DEC2026 SDL | SOV | 1.81 % |
| Fixed rates bonds - Corporate | 7.33 % | |
| HDFC Bank Limited | CRISIL AAA | 7.33 % |
| Cash Management Bills | 7.30 % | |
| Government of India | SOV | 7.30 % |
| Net Cash and Cash Equivalent | 5.52% | |
| 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) |
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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. | |