Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular-Growth
The fund is rated 2 stars. Investment selection within each asset type was a strength while balance between returns and downside risk provided some support. Investment selection within each industry did not provide enough support for a higher rating. Higher annual fee of 1.96% was a minor drawback.
This fund has a good track record with Asset Selection/Timing, a bad track record with Stock Selection/Timing, a ok risk-reward ratio. It is important to note, however, that this fund has a 27.279 AUM and a 1.96 expense ratio. Considering all these factors, we have rated this fund as 2.0 star.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 7 Oct 2026
Risk ratios
As of 30 Sep 2026
Debt metrics
Portfolio
As of 30 Sep 2026
Market-cap split
Sector allocation
Holdings (46)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| GOICoupon 6.48% · Maturity 06/10/2035 · Rating SOV | 19.74% | ₹5.25 Cr | 5,50,000 |
| GOICoupon 7.26% · Maturity 06/02/2033 · Rating SOV | 8.51% | ₹2.27 Cr | 2,25,000 |
| HDFC Bank Ltd.Coupon 8.55% · Maturity 27/03/2029 · Rating CRISIL AAA | 7.60% | ₹2.02 Cr | 20 |
| GOICoupon 6.57% · Maturity 05/12/2033 · Rating SOV | 3.64% | ₹0.97 Cr | 1,00,000 |
| Rajasthan StateCoupon 7.49% · Maturity 28/08/2035 · Rating SOV | 2.93% | ₹0.78 Cr | 80,000 |
| GOICoupon 7.17% · Maturity 17/04/2030 · Rating SOV | 2.84% | ₹0.76 Cr | 75,000 |
| TD Power Systems Ltd. | 1.78% | ₹0.47 Cr | 6,028 |
| ICICI Bank Ltd. | 1.74% | ₹0.46 Cr | 3,500 |
| Others | 1.61% | ₹0.43 Cr | — |
| HDFC Bank Ltd. | 1.60% | ₹0.43 Cr | 6,000 |
Fund details
Regular income with capital growth over medium to long term. Investments in debt and money market instruments as well as equity and equity related securities.
The Scheme seeks to invests predominantly in debt and money market instruments with marginal allocation to equity and equity related instruments.