Aditya Birla Sun Life Retirement Fund-The 50s Plan
NAV
₹16.58
as of 6 Oct 2026
Aditya Birla Sun Life Retirement Fund-The 50s Plan is an open-ended Retirement Fund scheme from Aditya Birla Sun Life Mutual Fund managing ₹27 crore (as of 31 Aug 2026). Its Direct-plan NAV is ₹16.58 as of 6 Oct 2026. The expense ratio is 0.63% a year. Managed by Harshil Suvarnkar. This page is factual data only – it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.63% / yr
- as of 31 Aug 2026
- Fund size
- ₹27 crore
- as of 31 Aug 2026
- Exit load
- None
- SIP available
- Yes
- Launched
- 12 Mar 2019
- ISIN
- INF209KB1J48
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from nyvo’s own NAV data.
Rebased to 100data to 5 Oct 2026
Aditya Birla Sun Life Retirement Fund-The 50s Plan
₹139
+39% on ₹100 over 5.0 yrs
Retirement Fund average
₹149
+49% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 3 months | -1.85% | – | – |
| 6 months | 2.20% | – | – |
| 1 year | 2.94% | – | – |
| 3 years (CAGR) | 7.71% | – | – |
| 5 years (CAGR) | 6.80% | – | – |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible – read that number first.
1-year holding periods
- Worst
- 0.6%
- Median
- 8.4%
- Best
- 14.9%
49 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Oct 2021. Windows overlap – this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 7.9%
- Median
- 9.3%
- Best
- 10.9%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Aug 2023. Windows overlap – this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.54
- Sharpe ratio (5Y)
- 0.35
- Sortino ratio (3Y)
- 0.75
- Standard deviation (3Y)
- 4.17%
- Deepest fall (5Y)
- -3.47%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high – how deep and for how long is what a drawdown feels like.
Deepest fall
-3.5%
Right now
-2.3% below peak
Where the money actually is
Equity
24.8%
Bonds
44.9%
Cash
30.3%
Whole-portfolio split, as of 31 Aug 2026. The size split below covers only the equity slice of this.
What it owns
47 positions · top 10 = 51.3%
Market-cap mix (equity sleeve)
Large 15.6%Mid 3.9%Small 5.3%Other 75.2%
as of 31 Aug 2026
Holdings by sector
Financial Services(1 in top 10)10.0%
- ICICI Bank Ltd1.87%
- Healthcare4.5%
Industrials(1 in top 10)2.6%
- TD Power Systems Ltd1.72%
- Consumer Cyclical2.5%
- Basic Materials2.4%
- Communication Services1.0%
- Consumer Defensive0.9%
- Technology0.7%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Aug 2026. Portfolio turnover 25.9% a year.
Other top holdings
- Treps28.34%
- 6.48% Govt Stock 2035matures 6 Oct 203519.58%
- 7.26% Govt Stock 2033matures 6 Feb 20338.48%
- HDFC Bank Limitedmatures 27 Mar 20297.45%
- 6.57% Govt Stock 2033matures 5 Dec 20333.63%
- 7.49% Rajasthan Sgs 2035matures 28 Aug 20352.91%
- 7.17% Govt Stock 2030matures 17 Apr 20302.81%
- Net Receivable / Payable2.00%
The debt it holds (debt sleeve)
- Average maturity
- 4.46 yrs vs category 11.63 yrs
- Average coupon
- 7.09%
- Government securities
- 37.4%
Credit quality
- AAA
- 100.0%
Government securities are counted inside AAA by the data provider’s ladder; the sovereign share is listed separately above. Credit quality as of 31 Jul 2026.
Portfolio characteristics as of 31 Aug 2026. Yield to maturity is what the portfolio would return if every holding were held to maturity and paid in full. It is not a forecast of the fund’s return, and it is quoted before expenses.
Money in, money out
- Net flow, 12 months
- −₹1 cr
- Net flow, 3 months
- −₹0 cr
as of 31 Aug 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of Aditya Birla Sun Life Retirement Fund-The 50s Plan?
- ₹16.58 per unit as of 6 Oct 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Aditya Birla Sun Life Retirement Fund-The 50s Plan?
- 0.63% a year for the Direct plan, as of 31 Aug 2026.
- How large is Aditya Birla Sun Life Retirement Fund-The 50s Plan?
- ₹27 crore under management as of 31 Aug 2026, in the Retirement Fund category.
- How risky is Aditya Birla Sun Life Retirement Fund-The 50s Plan?
- Its SEBI Riskometer reading is "Moderate Risk". A goal-linked wrapper with a lock-in until retirement or five years.
- What are the 5-year returns of Aditya Birla Sun Life Retirement Fund-The 50s Plan?
- 6.80% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.
- What is the worst 3-year return of Aditya Birla Sun Life Retirement Fund-The 50s Plan?
- 7.9% a year – the weakest of 25 overlapping 3-year holding periods, beginning 1 Aug 2023. The median was 9.3% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages Aditya Birla Sun Life Retirement Fund-The 50s Plan?
- Harshil Suvarnkar, managing this fund for 5.5 years.
Where this fund sits
Its shelf, all funds
Rt · Retirement fund →
A goal-linked wrapper with a lock-in until retirement or five years.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund – growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Retirement Fund funds
- HDFC Retirement Fund - Equity Plan₹6,998 crore
- SBI Retirement Benefit Fund - Aggressive Plan₹3,242 crore
- Nippon India Retirement Fund- Wealth Creation Scheme₹3,127 crore
- Aditya Birla Sun Life Retirement Fund-The 30s Plan₹487 crore
- Aditya Birla Sun Life Retirement Fund-The 40s Plan₹116 crore
- ICICI Prudential Retirement Fund Pure Debt Plan₹81 crore
- Axis Retirement Fund - Conservative Plan₹48 crore
- Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan₹14 crore
Data: nyvo research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.