Sharpe ratio
0.19Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.74%1Y Absolute Return
-0.19%1D
Loading NAV history…
Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 50s Plan-Direct Plan-GrowthFund 5Y annualised return | ₹8,70,251 | ₹7,32,612 | ₹1,37,639 | +7.12% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.07
₹1 Lakh since launch₹1.07 Lakh
Fund age7.7 yrs
Fund information
Scheme code146940
ISININF209KB1J48
BenchmarkCRISIL Short Term Debt Hybrid 75+25 Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio0.63%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
28th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +33.40% | — | — |
| 3M | -1.87% | — | — |
| 6M | +6.07% | — | — |
| 1Y | +3.74% | — | +1.16% |
| 3Y | +8.22% | — | +8.74% |
| 5Y | +7.12% | — | +7.27% |
| Since Launch | +7.03% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.29Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
4.14%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
1.41How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Debt45.52%
Cash30.36%
Equity24.12%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 47 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Reverse Repo | Unspecified | Reverse Repo | 26.6289% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 19.9024% |
| GOVERNMENT OF INDIA 32584 GOI 06FB33 7.26 FV RS 100 | Entities | GOI Securities | 8.5694% |
| HDFC BANK LIMITED SR V004 8.55 NCD 27MR29 FVRS10LAC | Financial | Debenture | 7.5837% |
| Net Receivables | Unspecified | Net Receivables | 3.7361% |
| 6.57 GOVT. STOCK 2033 05.12.2033 | Entities | GOI Securities | 3.6613% |
| STATE DEVELOPMENT LOAN 36359 RAJ 28AG35 7.49 FV RS 100 | Unspecified | State Development Loan | 2.9594% |
| GOI Sec 7.17 17/04/2030 | Entities | GOI Securities | 2.8425% |
| ICICI Bank Ltd | Financial | Equity | 1.7752% |
| HDFC Bank Ltd | Financial | Equity | 1.7658% |
Fund management
MO
Mohit Sharma
Since 2024 · Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).
Mr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta).
HA
Harshil Suvarnkar
Since 2021 · Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,
Mr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk solution oriented scheme - retirement fund. Losses and swings stayed contained — worst fall -5.0%, volatility 4.1%. Trailing its category average over 3Y by 0.5 points.
Strengths
- Losses and swings stayed contained — worst fall -5.0%, volatility 4.1%.
- Recovered from its worst fall in 2 months.
- Well spread out — top 10 holdings are only 12% of the portfolio.
- Same fund manager for 6+ years — the strategy has not chopped and changed.
Weaknesses
- Trailing its category average over 3Y by 0.5 points.
Ideal investor
- Needs a 3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None