TickerKhojAditya Birla Sun Life Mutual Fund · Solution Oriented · Retirement · Regular plan
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Regular Plan - Growth
₹13.5421NAV on 2 Nov 2026Expense ratio 2.05%
3 Nov 2025NAV low 13.3 · high 13.68+1.7%
In plain words
Over 3 years it returned +4.5% a year, against +8.0% for its benchmark index.
Its worst fall from a peak in the last 3 years was -1.4%.
On 3-year return it ranks 26 of 26 funds in Retirement.
A monthly SIP over 5 years ended ₹20,078 higher in the direct plan than the regular plan, because of the lower expense ratio.
Past returns, not a promise of future returns or a recommendation.
Returns vs benchmark
| Period | Fund | Benchmark |
|---|---|---|
| 1 month | -0.2% | +4.6% |
| 3 months | -0.6% | -3.8% |
| 6 months | +1.0% | -1.6% |
| 1 year | +1.7% | -8.1% |
| 3 years (yearly) | +4.5% | +8.0% |
| 5 years (yearly) | +3.7% | +6.5% |
| Since start (yearly) | +4.0% | +11.3% |
Monthly SIP of ₹10,000
| Period | Invested | Value now | Yearly return |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,20,829 | +1.3% |
| 3 years | ₹3,60,000 | ₹3,78,728 | +3.3% |
| 5 years | ₹6,00,000 | ₹6,62,999 | +3.9% |
Top holdings (30 Sept 2026)
Fund size ₹14 crore · 6 holdings · 0% in equity
| Company | Industry | Weight |
|---|---|---|
| Government of India (05/12/2033) | Sovereign | 21.46% |
| Government of India (22/04/2064) | Sovereign | 8.77% |
| 0% GOI - (06/05/2030) STRIPS | Sovereign | 7.78% |
| 8.55% HDFC Bank Ltd. (27/03/2029) ** | CRISIL AAA | 7.46% |
| State Government Securities (28/08/2035) | Sovereign | 5.76% |
| State Government Securities (28/12/2026) | Sovereign | 1.85% |
Largest industries: Sovereign 45.6%, CRISIL AAA 7.5%.
Other plan of this fund: Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Direct Plan - Growth