Sharpe ratio
-0.66Return earned for the risk taken.
Negative
Negative means the fund has not rewarded investors well for the risk taken recently.
+3.23%1Y Absolute Return
-0.15%1D
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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 Plus-Debt Plan-Direct Plan-GrowthFund 5Y annualised return | ₹8,26,354 | ₹7,32,612 | ₹93,742 | +5.02% |
| 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₹1.05
₹1 Lakh since launch₹1.05 Lakh
Fund age7.7 yrs
Fund information
Scheme code146943
ISININF209KB1K03
BenchmarkCRISIL Short-Term Bond Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio0.92%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
37th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +10.19% | — | — |
| 3M | -1.02% | — | — |
| 6M | +4.17% | — | — |
| 1Y | +3.23% | — | +1.16% |
| 3Y | +5.75% | — | +8.74% |
| 5Y | +5.02% | — | +7.27% |
| Since Launch | +5.40% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
-1.04Return earned while limiting downside risk.
Negative
Negative means downside losses have outweighed the returns.
Standard deviation
1.51%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
2.39How 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%
Debt51.89%
Cash48.11%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
8 of 8 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Reverse Repo | Unspecified | Reverse Repo | 42.9128% |
| 6.57 GOVT. STOCK 2033 05.12.2033 | Entities | GOI Securities | 21.0198% |
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 8.7161% |
| GOVERNMENT OF INDIA 34293 GS 06MAY2030 C STRIPS FV RS 100 | Entities | GOI Securities | 7.4565% |
| HDFC BANK LIMITED SR V004 8.55 NCD 27MR29 FVRS10LAC | Financial | Debenture | 7.2564% |
| STATE DEVELOPMENT LOAN 36359 RAJ 28AG35 7.49 FV RS 100 | Unspecified | State Development Loan | 5.6634% |
| Net Receivables | Unspecified | Net Receivables | 5.1971% |
| Maharashtra State SDL 7.25 28/12/2026 | Unspecified | State Development Loan | 1.7781% |
Fund management
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 moderate-risk solution oriented scheme - retirement fund. Losses and swings stayed contained — worst fall -2.3%, volatility 1.5%. Trailing its category average over 3Y by 3.0 points.
Strengths
- Losses and swings stayed contained — worst fall -2.3%, volatility 1.5%.
- Recovered from its worst fall in 3 months.
- Same fund manager for 6+ years — the strategy has not chopped and changed.
Weaknesses
- Trailing its category average over 3Y by 3.0 points.
- Top 10 holdings make up 100% — a handful of stocks can swing returns sharply.
Ideal investor
- Needs a 3+ years horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 100% of the portfolio.
- Unspecified makes up 56% — trouble in that sector hits the whole fund.