Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-Growth
Hybrid: Conservative Hybrid - Growth (Open ended) 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.
Market Cap Distribution
Large Cap (62.9%)
Mid Cap (15.7%)
Small Cap (21.4%)
Historical Asset Allocation
| Asset | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 Mar 2026 |
|---|---|---|---|---|---|---|
| Equity | 24.81% | 24.41% | 24.12% | 24.11% | 24.03% | 22.29% |
| Debt | 44.85% | 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% |
| Commodities | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Real Estate | 0.00% | 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.
| Instrument | Sector | No. of Shares | Value (Rs. Cr) | Weight | Change |
|---|---|---|---|---|---|
| ICICI Bank Ltd. | Financial | 3,500 | 0.51 | 1.87% | 0.02%↑ |
| TD Power Systems Ltd. | Capital Goods | 6,028 | 0.47 | 1.72% | - |
| HDFC Bank Ltd. | Financial | 6,000 | 0.43 | 1.56% | -0.09%↓ |
| Hindalco Industries Ltd. | Metals & Mining | 3,500 | 0.36 | 1.30% | 0.05%↑ |
| Metropolis Healthcare Ltd. | Healthcare | 6,000 | 0.35 | 1.28% | -0.00%↓ |
| State Bank of India | Financial | 2,835 | 0.3 | 1.10% | 0.03%↑ |
| Fortis Healthcare Ltd. | Healthcare | 3,260 | 0.3 | 1.08% | -0.05%↓ |
| Bharti Airtel Ltd. | Communication | 1,500 | 0.27 | 1.00% | -0.09%↓ |
| The Federal Bank Ltd. | Financial | 7,500 | 0.27 | 0.98% | -0.01%↓ |
| Bajaj Finance Ltd. | Financial | 2,500 | 0.26 | 0.97% | -0.08%↓ |
| SJS Enterprises Ltd. | Automobile | 1,000 | 0.25 | 0.91% | 0.03%↑ |
| Max Financial Services Ltd. | Financial | 1,480 | 0.23 | 0.85% | 0.04%↑ |
| Axis Bank Ltd. | Financial | 1,700 | 0.22 | 0.81% | 0.04%↑ |
| Ultratech Cement Ltd. | Materials | 188 | 0.22 | 0.79% | -0.03%↓ |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 1,000 | 0.2 | 0.73% | -0.00%↓ |
| Torrent Pharmaceuticals Ltd. | Healthcare | 363 | 0.18 | 0.67% | -0.01%↓ |
| Bajaj Auto Ltd. | Automobile | 145 | 0.18 | 0.64% | 0.03%↑ |
| Larsen & Toubro Ltd. | Construction | 366 | 0.15 | 0.54% | 0.01%↑ |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 160 | 0.14 | 0.52% | -0.00%↓ |
| Bank of Maharashtra | Financial | 16,881 | 0.14 | 0.51% | 0.02%↑ |
1 / 2
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.
| Sector | 31 Aug 2026 | 31 Jul 2026 | 30 Jun 2026 | 31 May 2026 | 30 Apr 2026 | 31 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.
| Rating | Fund | Category |
|---|---|---|
| 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
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 | |||
|---|---|---|---|
| Low | Moderate | High | |
| Low | |||
| Moderate | |||
| High | |||
Instruments
| Full name | Description | Coupon rate | Maturity | Rating raw | Weight |
|---|---|---|---|---|---|
| GOI | GOI Securities | 6.48% | 06/10/2035 | SOV | 19.58% |
| GOI | GOI Securities | 7.26% | 06/02/2033 | SOV | 8.48% |
| HDFC Bank Ltd. | Debenture | 8.55% | 27/03/2029 | CRISIL AAA | 7.45% |
| GOI | GOI Securities | 6.57% | 05/12/2033 | SOV | 3.63% |
| Rajasthan State | State Development Loan | 7.49% | 28/08/2035 | SOV | 2.91% |
| GOI | GOI Securities | 7.17% | 17/04/2030 | SOV | 2.81% |
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.