mutual funds aditya birla sun life retirement fund the 50s plan directgrowth

holdings

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

Hybrid: Conservative Hybrid - Growth (Open ended)

Aditya Birla Sun Life Retirement Fund - The 50s Plan Direct-GrowthNAV: 16.84 as on 06 Sep, 2026

Risk levelCategoryBenchmark

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

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

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%↑

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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.

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

Earnings manipulation risk (Beneish M-score)

Following stocks have high risk of potential earnings manipulation (Beneish M-score > -1.78):

Name	Value
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
	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.

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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%

Real Estate

0.00%

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%↑

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%

0.62%

0.69%

0.70%

0.72%

Construction

0.66%

0.65%

0.69%

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%

0.30%

0.29%

0.30%

0.31%

Consumer Discretionary

0.26%

0.27%

0.32%

0.27%

Insurance

0.26%

0.28%

0.26%

0.27%

0.28%

Energy

0.19%

0.20%

0.21%

0.23%

0.24%

0.23%

Rating

Fund