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Solution Oriented Schemes ** - Retirement Fund
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Direct Plan · IDCW · Aditya Birla Sun Life Mutual Fund
Risk: Very High Risk
52W Low ₹16.45 23 Mar 2026
52W High ₹21.11 10 Aug 2026
₹18.9500
NAV as of 4 Nov 2026
+1.49% day change
Other Plans of This Fund
ISININF209KB1I31
Scheme Code146576
StructureOpen Ended Schemes
Fund HouseAditya Birla Sun Life AMC Limited
AUM (avg. July - September 2026)₹1.5 Cr
Expense Ratio (as of 22 Oct 2026)1.33%
Min. Investment₹1,000
Inception Date19 Feb 2019
BenchmarkNifty 500 TRI · NA
Portfolio Turnover89.84%
NFO Period2019-02-19T00:00:00.000 – 2019-03-05T00:00:00.000
Returns
1Y
+2.36%
3Y
+6.52%
5Y
+5.85%
7Y
+8.86%
Since Inception
+8.70%
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +3.53% | +3.10% | 14 of 29 |
| 1M | +2.47% | +2.05% | 16 of 29 |
| 3M | -9.27% | -2.98% | 28 of 29 |
| 6M | -0.31% | +0.56% | 24 of 29 |
| YTD | +0.80% | -1.35% | 12 of 29 |
| 1Y | +2.36% | -1.13% | 10 of 29 |
| 2Y | +1.87% | +1.82% | 22 of 29 |
| 3Y | +6.52% | +7.99% | 23 of 27 |
| 5Y | +5.85% | +7.00% | 21 of 25 |
| 7Y | +8.86% | +8.97% | 11 of 18 |
| INCEPTION | +8.70% | — | — |
Ranked among: Solution Oriented Schemes ** - Retirement Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +2.84% | +35.66% | -31.55% | 62% | 24% |
| 6M | +5.61% | +42.71% | -28.52% | 70% | 28% |
| 1Y | +10.90% | +76.56% | -28.07% | 78% | 33% |
| 2Y | +11.25% | +35.97% | -3.64% | 97% | 42% |
| 3Y | +11.17% | +22.81% | +4.46% | 100% | 44% |
| 5Y | +11.17% | +18.40% | +4.49% | 100% | 44% |
| 7Y | +10.12% | +12.51% | +7.14% | 100% | 44% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Sep 2026
Asset Allocation
- Equity95.91%
- Debt0.22%
- Cash3.84%
- Other0.03%
Market Cap Split
- Large Cap37.28%
- Mid Cap22.91%
- Small Cap35.72%
- Others4.09%
Fundamentals
| Fund | Category | |
|---|---|---|
| P/E | 27.98 | 24.10 |
| P/B | 3.87 | 3.50 |
| Price / Sales | 2.67 | 3.15 |
| Price / Cash Flow | 20.79 | 19.54 |
| Dividend Yield (%) | 1.03 | 1.37 |
Holdings79
Top 5 Stocks14.77%
Top 10 Stocks25.52%
Top 3 Sectors26.44%
Holdings · Sep 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| TREPS | Reverse Repo / TREPS | 3.93% | — |
| ICICI Bank | Banks | 3.64% | -0.19% |
| Ather Energy | Automobiles | 3.22% | -0.49% |
| Aditya Infotech | Industrial Manufacturing | 3.01% | -0.59% |
| SJS Enterprises | Auto Components | 2.53% | -0.13% |
| Dr. Lal Path Labs | Equity | 2.37% | +0.16% |
| Eternal | Retailing | 2.31% | +0.04% |
| Sona BLW Precision Forgings | Auto Components | 2.31% | +0.15% |
| Kirloskar Oil Engines | Industrial Products | 2.07% | +0.27% |
| Ajanta Pharma | Pharmaceuticals & Biotechnology | 2.06% | +0.10% |
| HDFC Bank | Banks | 2.00% | +0.09% |
| GMR Airports | Transport Infrastructure | 1.87% | +0.11% |
| Adani Ports & SEZ | Transport Infrastructure | 1.85% | +0.28% |
| Jindal Steel | Ferrous Metals | 1.85% | -0.01% |
| Hindalco Industries | Non - Ferrous Metals | 1.84% | -0.06% |
View all 81 holdings
| Coforge | IT - Software | 1.67% | -0.14% |
| Godrej Consumer Products | Personal Products | 1.62% | -0.02% |
| Kirloskar Brothers | Industrial Products | 1.58% | -0.04% |
| Shivalik Bimetal Controls | Industrial Products | 1.57% | +0.07% |
| Craftsman Automation | Auto Components | 1.54% | -0.05% |
| Ujjivan Small Finance Bank | Banks | 1.53% | +0.03% |
| Larsen & Toubro | Construction | 1.51% | -0.04% |
| Reliance Industries | Petroleum Products | 1.49% | -0.04% |
| Tech Mahindra | IT - Software | 1.48% | -0.03% |
| PNB Housing Finance | Finance | 1.47% | +0.61% |
| AU Small Finance Bank | Banks | 1.43% | -0.04% |
| Bajaj Finance | Finance | 1.40% | -0.08% |
| Emcure Pharmaceuticals | Pharmaceuticals & Biotechnology | 1.37% | +0.12% |
| Varun Beverages | Beverages | 1.37% | +0.16% |
| Britannia Industries | Food Products | 1.34% | -0.05% |
| TVS Motors | Automobiles | 1.31% | -0.02% |
| Federal Bank | Banks | 1.31% | -0.10% |
| City Union Bank | Banks | 1.31% | +0.04% |
| Greenply Industries | Consumer Durables | 1.29% | +0.10% |
| Swiggy | Retailing | 1.27% | -0.10% |
| Prestige Estates Projects | Realty | 1.25% | -0.07% |
| Cyient DLM | Aerospace & Defense | 1.25% | -0.29% |
| State Bank of India | Banks | 1.22% | -0.07% |
| Vedanta Aluminium Metal | Non - Ferrous Metals | 1.22% | +0.00% |
| Balrampur Chini Mills | Agricultural Food & other Products | 1.18% | +0.00% |
| Hindustan Unilever | Diversified FMCG | 1.17% | +0.00% |
| Fortis Healthcare | Equity | 1.12% | -0.14% |
| Capillary Technologies | IT - Software | 1.10% | +0.17% |
| SBI Life Insurance | Insurance | 1.07% | +0.02% |
| Union Bank of India | Banks | 1.02% | -0.05% |
| Ambuja Cements | Cement & Cement Products | 0.96% | -0.03% |
| JK Cement | Cement & Cement Products | 0.95% | +0.03% |
| SBFC Finance | Finance | 0.92% | -0.10% |
| Hindustan Petroleum | Petroleum Products | 0.91% | +0.00% |
| Kalpataru Projects International | Construction | 0.89% | — |
| Persistent Systems | IT - Software | 0.88% | -0.02% |
| Infosys | IT - Software | 0.88% | -0.08% |
| Ram Ratna Wires | Electrical Equipment | 0.88% | — |
| Mankind Pharma | Pharmaceuticals & Biotechnology | 0.86% | +0.06% |
| Thermax | Electrical Equipment | 0.85% | -0.08% |
| Avenue Supermarts DMart | Retailing | 0.85% | +0.02% |
| Bharat Petroleum | Petroleum Products | 0.81% | -0.02% |
| Vinati Organics | Chemicals & Petrochemicals | 0.81% | -0.37% |
| Trent | Retailing | 0.78% | -0.04% |
| Shriram Finance | Finance | 0.78% | -0.06% |
| Meesho | Retailing | 0.77% | +0.10% |
| Groww | Capital Markets | 0.76% | +0.00% |
| NTPC | Power | 0.75% | +0.03% |
| Firstsource Solutions | Commercial Services & Supplies | 0.71% | +0.01% |
| L&T Technology Services | IT - Services | 0.67% | -0.04% |
| Aditya Vision | Retailing | 0.62% | +0.02% |
| ICICI Lombard General Insurance | Insurance | 0.59% | +0.03% |
| PB FinTech | Financial Technology (Fintech) | 0.55% | -0.37% |
| Credit Access Grameen | Finance | 0.53% | -0.02% |
| United Spirits | Beverages | 0.49% | -0.03% |
| Go Digit General Insurance | Insurance | 0.48% | +0.02% |
| 360 One WAM | Capital Markets | 0.48% | -0.04% |
| Orient Cables | Industrial Products | 0.43% | — |
| Praj Industries | Industrial Manufacturing | 0.42% | -0.03% |
| Supreme Industries | Industrial Products | 0.34% | +0.00% |
| Dynamatic Technologies | Industrial Manufacturing | 0.31% | — |
| MCX | Capital Markets | 0.28% | +0.00% |
| GOI LOAN 7.17% 2030 | Debt | 0.22% | +0.01% |
| VRL Logistics | Transport Services | 0.18% | -0.73% |
| Atul | Chemicals & Petrochemicals | 0.15% | +0.00% |
| Net Receivable / Payable | Net Current Assets | -0.09% | — |
Sector Allocation · Sep 2026
View all 33 sectors
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 17.26 | 10.03 | High Volatility |
| 3Y | 16.74 | 9.44 | High Volatility |
| 5Y | 15.32 | 8.94 | High Volatility |
What is this?
Annualized population standard deviation of daily denomination-adjusted NAV returns, multiplied by sqrt(252). Values require a full timeframe of NAV history.
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.21 | -0.86 | Above Average |
| 3Y | 0.09 | 0.13 | Below Average |
| 5Y | 0.06 | 0.05 | Above Average |
What is this?
Annualized Sharpe ratio calculated from month-end NAV returns using the latest available FBIL Overnight MIBOR rate as the risk-free rate. For schemes with less than three years of history, the 3Y value uses since-inception data. Applied risk-free rate: 5.73% (published 2026-10-28).
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 0.29 | 0.14 | Above Average |
| 3Y | 0.59 | 1.80 | Below Average |
| 5Y | 0.59 | 1.62 | Below Average |
What is this?
Annualized from daily NAV returns using a 0.00% minimum acceptable return; downside deviation includes only returns below this target.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
ICICI Prudential Retirement Fund Hybrid Conservative Plan
Direct Plan · Growth
|
+3.76% | +9.45% | +8.46% | +9.46% |
|
ICICI Prudential Retirement Fund Pure Debt Plan
Regular Plan · IDCW
|
+2.93% | +5.47% | +4.89% | +6.02% |
|
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Regular Plan · GROWTH
|
+2.07% | +4.62% | +3.81% | +4.09% |
|
Tata Retirement Savings Fund-Progressive Plan
Regular Plan · Growth Option
|
+1.88% | +10.99% | +8.44% | +13.46% |
|
Tata Retirement Savings Fund-Moderate Plan
Regular Plan · Growth Option
|
+1.79% | +10.45% | +8.40% | +13.39% |
|
Tata Retirement Savings Fund-Conservative Plan
Regular Plan · Growth Option
|
+1.77% | +6.41% | +5.30% | +8.15% |
|
SBI Retirement Benefit Fund - Conservative Plan
Regular Plan · IDCW
|
+1.68% | +6.18% | +6.34% | +6.80% |
|
SBI Retirement Benefit Fund - Conservative Hybrid Plan
Direct Plan · Growth
|
+1.40% | +7.18% | +7.48% | +8.87% |
|
PGIM India Retirement Fund
Direct Plan · Direct Growth
|
+1.12% | — | — | +9.54% |
|
ICICI Prudential Retirement Fund Hybrid Aggressive Plan
Direct Plan · IDCW
|
+0.77% | +17.08% | +13.59% | +15.40% |
More From Aditya Birla Sun Life AMC Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
| Aditya Birla Sun Life Silver ETF | +26.41% | +36.60% | — | +25.53% |
|
Aditya Birla Sun Life Silver ETF FOF
Direct Plan · GROWTH
|
+25.00% | +35.44% | — | +24.57% |
| Aditya Birla Sun Life Gold ETF | +17.03% | +31.14% | +23.34% | +11.72% |
|
Aditya Birla Sun Life Pharma and Healthcare Fund
Direct Plan · GROWTH
|
+16.81% | +21.46% | +15.26% | +20.88% |
|
Aditya Birla Sun Life Gold Fund
Direct Plan · GROWTH
|
+16.51% | +31.04% | +23.25% | +10.51% |
|
Aditya Birla Sun Life US Equity Passive FOF
Direct Plan · GROWTH
|
+15.78% | +28.35% | — | +17.03% |
|
Aditya Birla Sun Life Manufacturing Equity Fund
Direct Plan · GROWTH
|
+15.39% | +20.75% | +14.85% | +13.15% |
|
Aditya Birla Sun Life Nifty India Defence Index Fund
Direct Plan · IDCW Payout
|
+13.94% | — | — | +13.69% |
|
Aditya Birla Sun Life Global Excellence Equity Fund Of Fund
Direct plan · IDCW
|
+13.60% | +20.83% | +12.07% | +9.04% |
| Aditya Birla Sun Life Nifty Healthcare ETF | +13.45% | +21.49% | +14.72% | +14.59% |
About This Scheme
Investment Objective
The primary investment objective of the Scheme is income 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.
Stated Asset Allocation
Under normal circumstances, the asset allocation of the Scheme will be as follows: Instruments - Risk Profile - Range Equity & Equity related instruments- Medium to High- 80%-100% Debt & Money Market Instruments - Low to Medium - 0%-20%
Exit Load
Nil
Fund Managers
Mr. Jonas Bhutta
Primary
Official Documents
Scheme Information Document (PDF)
Scheme Summary (PDF)
Scheme Summary (XLS)
Aditya Birla Sun Life AMC Limited website
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.