Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth
HybridRetirementModerate Risk
Regular
NAV (06-Sep-24)
Returns (Since Inception)
Fund Overview
Fund Size
₹26 Cr
Expense Ratio
1.92%
ISIN
INF209KB1J14
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
12 Mar 2019
About this fund
As of 06-Sep-24, it has a Net Asset Value (NAV) of ₹13.90, Assets Under Management (AUM) of 26.34 Crores, and an expense ratio of 1.92%.
- Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth has given a CAGR return of 6.16% since inception.
- The fund's asset allocation comprises around 24.11% in equities, 68.41% in debts, and 7.48% in cash & cash equivalents.
- You can start investing in Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+12.07%
— (Cat Avg.)
3 Years
+6.58%
— (Cat Avg.)
5 Years
+6.04%
— (Cat Avg.)
Since Inception
+6.16%
— (Cat Avg.)
Portfolio Summaryas of 15th August 2024
| Equity | ₹6.35 Cr | 24.11% |
| Debt | ₹18.02 Cr | 68.41% |
| Others | ₹1.97 Cr | 7.48% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹5.09 Cr | 19.34% |
| 7.27% Govt Stock 2026 | Bond - Gov't/Treasury | ₹5.04 Cr | 19.12% |
| 7.26% Govt Stock 2033 | Bond - Gov't/Treasury | ₹2.3 Cr | 8.74% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹2.06 Cr | 7.81% |
| 08.21 Tn SDL 2025 | Bond - Gov't/Treasury | ₹1.52 Cr | 5.76% |
| Clearing Corporation Of India Limited | Cash - Repurchase Agreement | ₹1.51 Cr | 5.73% |
| 6.57% Govt Stock 2033 | Bond - Gov't/Treasury | ₹0.98 Cr | 3.71% |
| 7.17% Govt Stock 2030 | Bond - Gov't/Treasury | ₹0.76 Cr | 2.89% |
| ICICI Bank Ltd | Equity | ₹0.57 Cr | 2.15% |
| Infosys Ltd | Equity | ₹0.53 Cr | 2.01% |
| Net Receivables / (Payables) | Cash - Collateral | ₹0.46 Cr | 1.75% |
| HDFC Bank Ltd | Equity | ₹0.4 Cr | 1.53% |
| Reliance Industries Ltd | Equity | ₹0.35 Cr | 1.32% |
| Larsen & Toubro Ltd | Equity | ₹0.31 Cr | 1.17% |
| 0% Goi - 16dec25 Strips | Bond - Gov't/Treasury | ₹0.27 Cr | 1.04% |
| State Bank of India | Equity | ₹0.23 Cr | 0.86% |
| Bharti Airtel Ltd | Equity | ₹0.22 Cr | 0.84% |
| UltraTech Cement Ltd | Equity | ₹0.21 Cr | 0.79% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹0.2 Cr | 0.77% |
| TD Power Systems Ltd | Equity | ₹0.19 Cr | 0.72% |
| Hindalco Industries Ltd | Equity | ₹0.19 Cr | 0.71% |
| Fortis Healthcare Ltd | Equity | ₹0.17 Cr | 0.65% |
| Bajaj Auto Ltd | Equity | ₹0.16 Cr | 0.63% |
| V-Guard Industries Ltd | Equity | ₹0.16 Cr | 0.59% |
| Max Financial Services Ltd | Equity | ₹0.15 Cr | 0.58% |
| Godrej Consumer Products Ltd | Equity | ₹0.15 Cr | 0.58% |
| Whirlpool of India Ltd | Equity | ₹0.14 Cr | 0.54% |
| Strides Pharma Science Ltd | Equity | ₹0.14 Cr | 0.53% |
| Brigade Enterprises Ltd | Equity | ₹0.14 Cr | 0.52% |
| Thermax Ltd | Equity | ₹0.13 Cr | 0.50% |
| Vinati Organics Ltd | Equity | ₹0.13 Cr | 0.48% |
| Utkarsh Small Finance Bank Ltd | Equity | ₹0.12 Cr | 0.47% |
| Torrent Pharmaceuticals Ltd | Equity | ₹0.12 Cr | 0.46% |
| Voltas Ltd | Equity | ₹0.12 Cr | 0.45% |
| Dixon Technologies (India) Ltd | Equity | ₹0.11 Cr | 0.42% |
| Sona BLW Precision Forgings Ltd | Equity | ₹0.1 Cr | 0.39% |
| SJS Enterprises Ltd | Equity | ₹0.1 Cr | 0.37% |
| RHI Magnesita India Ltd | Equity | ₹0.1 Cr | 0.37% |
| Flair Writing Industries Ltd | Equity | ₹0.09 Cr | 0.36% |
| Bank of Baroda | Equity | ₹0.09 Cr | 0.35% |
| Westlife Foodworld Ltd | Equity | ₹0.08 Cr | 0.32% |
| Kotak Mahindra Bank Ltd | Equity | ₹0.07 Cr | 0.27% |
| Star Health and Allied Insurance Co Ltd | Equity | ₹0.07 Cr | 0.25% |
| Zomato Ltd | Equity | ₹0.07 Cr | 0.25% |
| SBFC Finance Ltd | Equity | ₹0.06 Cr | 0.25% |
| Bajaj Finance Ltd | Equity | ₹0.06 Cr | 0.23% |
| Cipla Ltd | Equity | ₹0.05 Cr | 0.19% |
| Container Corporation of India Ltd | Equity | ₹0.05 Cr | 0.18% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹0.02 Cr | 0.09% |
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹1.85 Cr | 7.04% |
| Industrials | ₹1.14 Cr | 4.33% |
| Healthcare | ₹0.68 Cr | 2.60% |
| Consumer Cyclical | ₹0.66 Cr | 2.49% |
| Technology | ₹0.64 Cr | 2.43% |
| Basic Materials | ₹0.52 Cr | 1.97% |
| Energy | ₹0.35 Cr | 1.32% |
| Communication Services | ₹0.22 Cr | 0.84% |
| Consumer Defensive | ₹0.15 Cr | 0.58% |
| Real Estate | ₹0.14 Cr | 0.52% |
Risk & Performance Ratios
Standard Deviation
This fund
3.58%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.24
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Additional Scheme Detailsas of 15th August 2024
ISIN | INF209KB1J14 | Expense Ratio | 1.92% | Exit Load | No Charges | Fund Size | ₹26 Cr | Age | 12 Mar 2019 | Lumpsum Minimum | ₹1,000 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL ST Debt Hybrid 75+25 TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Retirement Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2183.40 Cr | 28.6% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹173.90 Cr | 13.5% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2099.53 Cr | 34.1% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹930.43 Cr | 35.4% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹76.98 Cr | 21.1% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹930.43 Cr | 37.2% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹383.99 Cr | 38.7% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.0% | 0.0% | ₹383.99 Cr | 40.6% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹76.98 Cr | 19.5% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹517.00 Cr | 18.5% |
About the AMC
Total AUM
₹3,85,953 Cr
Address
One World Centre, Tower 1, 17th Floor, Mumbai, 400 013
Other Funds by Aditya Birla SL Mutual Fund
Risk Level
Your principal amount will be at Moderate Risk
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What is the current NAV of Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth?
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Who manages the Aditya Birla Sun Life Retirement Fund - The 50s Plan Regular Growth?
- Dhaval Shah
- Harshil Suvarnkar
- Dhaval Joshi
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
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