July 27, 2026
mayank
Aditya Birla (ABSL) Retirement Fund-The 50s Plan
| Fund at a Glance | |
| NAV Growth (Rs.) | 16.77 |
| NAV Bonus (Rs.) | — |
| NAV IDCW (Rs.) | 13.64 |
| Min. Investment (Rs.) | 1,000 |
| Min. SIP Investment (Rs.) | 500 |
| Min. No of Cheques | 6 |
| Benchmark | CRISIL Short Term Debt Hybrid 75+25 Index |
| AUM Rs. | 27 Cr |
| (As on 30-Jun-2026) | |
| Expense | 0.54% |
| 1 Year Return (%) | 5.39 |
| 3 Year Return (%) | 8.56 |
| 5 Year Return (%) | 7.32 |
| 10 Year Return (%) | — |
| Return Since Launch | 7.27% |
Suitable For Which Investors?
Conservative Hybrid funds are suitable for investors:
1. Looking to invest mostly in debt (~75%) with a small equity allocation (~25%)
2. Aiming for moderately higher returns than fixed deposits, with limited volatility
3. Looking to generate regular income
4. With 3-5 year investment horizon
Note:
• Invest preferably through SIP
• The fund carries a lock-in period of 5 years or till the investor attains retirement age, whichever is earlier
Fund’s Investment Strategy:
The Scheme seeks to invests predominantly in debt and money market instruments with marginal allocation to equity and equity related instruments.
Fund Manager:
1) Mohit Sharma
Education: Mr. Sharma is B Tech (IIT – Madras) and PGDCM (IIM Calcutta).
Experience: 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).
2) Harshil Suvarnkar
Education: Mr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law.
Experience: Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,
Investment Details
| Min. Investment (Rs) | 1,000 |
| Min. Addl Investment (Rs) | 1,000 |
| Min. SIP Investment (Rs) | 500 |
| Min. Withdrawal (Rs) | 1 |
| Min. No of Cheques | 6 |
| Min. Balance (Rs) | 500 |
| Lock-in Period | 5 Years |
| Exit Load | 0 |
Basic Details of Aditya Birla (ABSL) Retirement Fund-The 50s Plan
| Fund House | Aditya Birla Sun Life Mutual Fund |
| Launch Date | 11-Mar-19 |
| Return Since Launch | 7.27% |
| Benchmark | CRISIL Short Term Debt Hybrid 75+25 Index |
| Riskometer | Moderately High |
| Type | Open-ended |
| Assets | 27 Cr |
| (As on 30-Jun-2026) | |
| Expense | 0.54% |
| (As on 30-Jun-2026) | |
| Risk Grade | Average |
| Return Grade | Average |
| Turnover | 22.00% |
Aditya Birla (ABSL) Retirement Fund-The 50s Plan Trailing Returns (%)
| Fund name | YTD | 1D | 1M | 3M | 6M | 1Y | 3Y | 5Y | 7Y | 10Y |
| ABSL Retirement 50s Dir | 3.19 | 0.03 | 0.78 | 2.21 | 3.73 | 5.39 | 8.56 | 7.32 | 7.11 | — |
| Hybrid: Conservative Hybrid | 1.94 | 0.03 | 0.96 | 1.80 | 2.94 | 3.60 | 8.54 | 8.26 | 8.76 | — |
| Rank within category | 6 | 17 | 23 | 4 | 7 | 4 | 14 | 22 | 20 | — |
| Number of funds in category | 29 | 29 | 29 | 29 | 29 | 28 | 28 | 28 | 24 | 22 |
Peer Comparison of Aditya Birla Retirement Fund-The 50s Plan
| Rating | 1 Year Returns | 3 Year Returns | 5 Year Returns | Expense Ratio (%) | Net Assets (Rs Cr) | Return Since Launch (%) | Exit Load (Days) | Fund Age | Turnover (%) | |
| ABSL Retirement 50s Dir | 3 out of 5 stars | 5.39 | 8.56 | 7.32 | 0.54 | 27 | 7.27 | — | 7Y 4M | 22.00 |
| SBI Conservative Hybrid Dir | 4 out of 5 stars | 4.98 | 9.08 | 9.29 | 0.86 | 10,145 | 9.74 | 1.00 (365) | 13Y 6M | — |
| Parag Parikh Conservative Hybrid Dir | 5 out of 5 stars | 5.31 | 10.83 | 10.00 | 0.24 | 3,419 | 9.73 | 1.00 (365) | 5Y 1M | — |
| ICICI Pru Regular Savings Dir | 5 out of 5 stars | 4.80 | 9.60 | 9.44 | 0.80 | 3,348 | 10.37 | 1.00 (365) | 13Y 6M | 90.00 |
| Kotak Debt Hybrid Dir | 4 out of 5 stars | 2.91 | 9.28 | 9.46 | 0.49 | 2,882 | 10.43 | 1.00 (180) | 13Y 6M | 24.23 |
Aditya Birla (ABSL) Retirement Fund-The 50s Plan Portfolio Analysis
| Number of Stocks | 39 |
| Number of Bonds | 6 |
| Average Maturity (yrs) * | 3.35 |
| Top 10 Holdings | 51.67% |
| Portfolio P/B Ratio | 3.42 |
| Portfolio P/E Ratio | 25.34 |
Portfolio Breakup
| Fund | Category | |
| Average Mkt Cap (Rs Cr) | 1,60,022 | 2,40,177 |
| Large (%) | 64.32 | 68.56 |
| Mid (%) | 16.01 | 15.23 |
| Small (%) | 19.67 | 18.08 |
| Fund | Category | |
| Number of Securities | 45 | 65 |
| Macaulay Duration (yrs) | 2.59 | 3.60 |
| Average Maturity (yrs) | 3.35 | 5.80 |
| Yield to Maturity (%) | 6.33 | 7.48 |
| Avg Credit Rating | GOI/Cash | — |
Note: Mutual fund investments are subject to market risks, read all scheme-related documents carefully.
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