Aditya Birla Sun Life Mutual Fund

Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth

Hybrid: Conservative Hybrid - Growth (Open ended)
Risk levelCategoryBenchmark
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Factsheet
SEBI Riskometer: Moderately HighCategory: Hybrid: Conservative HybridBenchmark: CRISIL Short Term Debt Hybrid 75+25 IndexCheck Portfolio Overlap →
NAV: ₹16.84-0.07%
07 Sept 2026

Holdings Analysis

Equity, debt and cash allocation snapshot with market cap distribution for Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth.

Asset Allocation

As on 31 Aug 2026
Debt
44.85%
Others
30.33%
Equity
24.81%

Market Cap Distribution

Large Cap (62.9%)
Mid Cap (15.7%)
Small Cap (21.4%)

Historical Asset Allocation

Asset31 Aug 202631 Jul 202630 Jun 202631 May 202630 Apr 202631 Mar 2026
Equity24.81%24.41%24.12%24.11%24.03%22.29%
Debt44.85%45.14%45.52%45.44%46.00%66.93%
Others (incl. cash)30.33%30.46%30.37%30.46%29.97%10.77%
Commodities0.00%0.00%0.00%0.00%0.00%0.00%
Real Estate0.00%0.00%0.00%0.00%0.00%0.00%

Portfolio Snapshot

No. of Securities
46
P/E Ratio
26.01
P/B Ratio
3.51
Top Holding %
30.33%
Top 5 Holdings %
69.47%
Top 10 Holdings %
80.33%
Modified Duration
2.50 yrs
Avg. Maturity
3.35 yrs
Yield to Maturity
6.33%
AUM
₹27 Cr
Expense Ratio
0.63%
Since Inception
7.20%
Max Drawdown
-0.05%
Sharpe Ratio
0.66

Top Portfolio Holdings by Weight

Latest portfolio holdings sorted by allocation weight. Includes instrument name, sector, number of shares, market value (₹ Cr) and percentage of net assets. Switch dates or categories using the controls below.
InstrumentSectorNo. of SharesValue (Rs. Cr)WeightChange
ICICI Bank Ltd.Financial3,5000.511.87%0.02%
TD Power Systems Ltd.Capital Goods6,0280.471.72%-
HDFC Bank Ltd.Financial6,0000.431.56%-0.09%
Hindalco Industries Ltd.Metals & Mining3,5000.361.30%0.05%
Metropolis Healthcare Ltd.Healthcare6,0000.351.28%-0.00%
State Bank of IndiaFinancial2,8350.31.10%0.03%
Fortis Healthcare Ltd.Healthcare3,2600.31.08%-0.05%
Bharti Airtel Ltd.Communication1,5000.271.00%-0.09%
The Federal Bank Ltd.Financial7,5000.270.98%-0.01%
Bajaj Finance Ltd.Financial2,5000.260.97%-0.08%
SJS Enterprises Ltd.Automobile1,0000.250.91%0.03%
Max Financial Services Ltd.Financial1,4800.230.85%0.04%
Axis Bank Ltd.Financial1,7000.220.81%0.04%
Ultratech Cement Ltd.Materials1880.220.79%-0.03%
Sun Pharmaceutical Industries Ltd.Healthcare1,0000.20.73%-0.00%
Torrent Pharmaceuticals Ltd.Healthcare3630.180.67%-0.01%
Bajaj Auto Ltd.Automobile1450.180.64%0.03%
Larsen & Toubro Ltd.Construction3660.150.54%0.01%
Apollo Hospitals Enterprise Ltd.Healthcare1600.140.52%-0.00%
Bank of MaharashtraFinancial16,8810.140.51%0.02%
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Sector-wise Portfolio Allocation

Equity exposure by sector as a percentage of total net assets, tracked across recent portfolio dates. Identifies concentration risk and sector rotation trends in the fund's holdings.
Sector31 Aug 202631 Jul 202630 Jun 202631 May 202630 Apr 202631 Mar 2026
Financial
9.75%
9.72%
9.84%
9.36%
9.59%
9.05%
Healthcare
4.45%
4.52%
4.34%
4.31%
4.10%
3.92%
Automobile
2.03%
1.94%
1.79%
1.81%
1.69%
1.48%
Capital Goods
1.88%
1.40%
1.55%
1.66%
1.52%
1.17%
Metals & Mining
1.30%
1.25%
1.23%
1.48%
1.38%
1.21%
Communication
1.00%
1.09%
1.02%
1.03%
1.07%
1.04%
Materials
0.79%
0.82%
0.78%
0.81%
0.83%
0.79%
Technology
0.71%
0.71%
0.62%
0.69%
0.70%
0.72%
Construction
0.66%
0.65%
0.69%
0.70%
0.70%
0.61%
Services
0.64%
0.62%
0.63%
0.60%
0.65%
0.59%
Consumer Staples
0.59%
0.64%
0.59%
0.60%
0.65%
0.61%
Chemicals
0.29%
0.29%
0.30%
0.29%
0.30%
0.31%
Consumer Discretionary
0.26%
0.26%
0.26%
0.27%
0.32%
0.27%
Insurance
0.26%
0.28%
0.26%
0.27%
0.28%
0.28%
Energy
0.19%
0.20%
0.21%
0.23%
0.24%
0.23%

Debt Holdings — Credit Quality Profile

Allocation of debt instruments by credit rating (AAA, AA, A, and below investment grade) as a percentage of net assets, compared against the category average. Higher AAA allocation indicates lower credit risk.
RatingFundCategory
SOV
37.40%
23.51%
Cash & Call Money
30.33%
14.07%
AAA
7.45%
19.16%
A-
0.78%
A+-
1.42%
A--
0.25%
A1+-
3.19%
AA-
4.10%
AA+-
4.67%
AA--
0.99%
B+-
1.85%
B--
2.24%
BBB+-
0.00%
Cash-
0.14%
D-
0.09%
Others-
0.18%
Term Deposits-
0.01%
Unrated-
0.09%

Equity Insights

A detailed look at the equity holdings of this scheme — aggregated scores on value, momentum, quality parameters along with diversification and performance analysis.

Style Analysis

Value score

50.2 / 100

Weighted average Value score is 50.2. This indicates that portfolio is relatively reasonably valued using composite of value measures.

Price Momentum score

58.8 / 100

Weighted average Price Momentum score is 58.8. This indicates that portfolio has average momentum using composite of momentum measures.

Quality score

67.6 / 100

Weighted average Quality score is 67.6. This indicates that portfolio has average quality using composite of quality measures.

QVM score

65.2 / 100

Weighted average QVM score is 65.2. This indicates that portfolio has average QVM score and hence a neutral stance is warranted.

Red Flags

Earnings manipulation risk (Beneish M-score)
Following stocks have high risk of potential earnings manipulation (Beneish M-score > -1.78):
NameValue
Torrent Pharmaceuticals Ltd.-0.63
Bajaj Auto Ltd.-0.72
TD Power Systems Ltd.-1.72
Sona BLW Precision Forgings Ltd.-1.03
SJS Enterprises Ltd.-1.72
Negative cash flow from operations
Following companies have not generated positive operating cash flow for 2 consecutive financial years: Bajaj Finance Ltd., Cholamandalam Investment and Finance Company Ltd., H.G. Infra Engineering Ltd., Bank Of Maharashtra, SBFC Finance Ltd.

Debt Insights

A detailed look at the debt holdings of this scheme — Is the scheme yielding enough? Includes credit quality, instrument breakdown and SEBI risk classification.

SEBI PRC matrix

Credit risk
Interest risk
LowModerateHigh
Low
Moderate
High

Instruments

Full nameDescriptionCoupon rateMaturityRating rawWeight
GOIGOI Securities6.48%06/10/2035SOV19.58%
GOIGOI Securities7.26%06/02/2033SOV8.48%
HDFC Bank Ltd.Debenture8.55%27/03/2029CRISIL AAA7.45%
GOIGOI Securities6.57%05/12/2033SOV3.63%
Rajasthan StateState Development Loan7.49%28/08/2035SOV2.91%
GOIGOI Securities7.17%17/04/2030SOV2.81%

Frequently Asked Questions

What are the top holdings of Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth?
The top holdings of Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth as of 31 Aug 2026 are Others (30.33%), GOI (19.58%), GOI (8.48%), HDFC Bank Ltd. (7.45%), GOI (3.63%). These top 5 stocks together account for 69.47% of the total portfolio. You can view the complete holdings breakdown above.
How many stocks does Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth hold in its portfolio?
Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth holds 46 stocks in its portfolio as of 31 Aug 2026. The fund's portfolio size reflects the fund manager's investment approach, a more concentrated portfolio indicates higher conviction bets, while a larger number of holdings suggests a more diversified strategy.
What is the sector allocation of Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth?
As of 31 Aug 2026, Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth's top sector allocations are Financial (9.75%), Healthcare (4.45%), Automobile (2.03%). You can find detailed sector allocation above.
What is the equity and debt allocation of Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth?
As of 31 Aug 2026, Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth has 24.81% allocated to equity, and 44.85% to debt. You can also check the historical trends above.
What is the market cap allocation of Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth?
As of 31 Aug 2026, Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth's market cap allocation is 62.87% in large caps, 15.71% in mid caps, and 21.41% in small caps.
What is the PE ratio of Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth's portfolio?
The portfolio PE ratio of Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth is 26.01 as of 31 Aug 2026. The portfolio PE ratio tells you how expensive or cheap the fund's holdings are relative to their earnings.
What is the credit quality of Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth?
As of 31 Aug 2026, Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth's debt portfolio has 7.45% in AAA-rated instruments, - in AA-rated, and 37.40% in sovereign securities. Higher allocation to AAA and sovereign instruments indicates lower credit risk in the non-equity portion of the portfolio.
When is the latest portfolio disclosure for Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth?
The latest portfolio disclosure for Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth is as of 31 Aug 2026. SEBI requires all mutual funds to disclose their complete portfolio holdings on a monthly basis, typically within 10 days of the end of each month.