Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth
HybridRetirementVery High Risk
Direct
NAV (05-Sep-24)
Returns (Since Inception)
Fund Overview
Fund Size
₹403 Cr
Expense Ratio
1.04%
ISIN
INF209KB1I23
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
12 Mar 2019
About this fund
As of 05-Sep-24, it has a Net Asset Value (NAV) of ₹21.53, Assets Under Management (AUM) of 403.37 Crores, and an expense ratio of 1.04%.
- Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth has given a CAGR return of 14.99% since inception.
- The fund's asset allocation comprises around 98.23% in equities, 0.32% in debts, and 1.45% in cash & cash equivalents.
- You can start investing in Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+33.83%
— (Cat Avg.)
3 Years
+15.42%
— (Cat Avg.)
5 Years
+18.33%
— (Cat Avg.)
Since Inception
+14.99%
— (Cat Avg.)
Portfolio Summaryas of 31st July 2024
| Equity | ₹396.24 Cr | 98.23% |
| Debt | ₹1.29 Cr | 0.32% |
| Others | ₹5.84 Cr | 1.45% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| ICICI Bank Ltd | Equity | ₹26.18 Cr | 6.49% |
| HDFC Bank Ltd | Equity | ₹23.37 Cr | 5.79% |
| Infosys Ltd | Equity | ₹20.22 Cr | 5.01% |
| Reliance Industries Ltd | Equity | ₹19.94 Cr | 4.94% |
| Larsen & Toubro Ltd | Equity | ₹17.39 Cr | 4.31% |
| UltraTech Cement Ltd | Equity | ₹14.51 Cr | 3.60% |
| Bharti Hexacom Ltd | Equity | ₹13.57 Cr | 3.36% |
| Brigade Enterprises Ltd | Equity | ₹12.81 Cr | 3.17% |
| State Bank of India | Equity | ₹12.56 Cr | 3.11% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹11.73 Cr | 2.91% |
| NTPC Ltd | Equity | ₹11.44 Cr | 2.84% |
| Whirlpool of India Ltd | Equity | ₹8.58 Cr | 2.13% |
| Strides Pharma Science Ltd | Equity | ₹8.23 Cr | 2.04% |
| TD Power Systems Ltd | Equity | ₹7.87 Cr | 1.95% |
| Fortis Healthcare Ltd | Equity | ₹7.79 Cr | 1.93% |
| Flair Writing Industries Ltd | Equity | ₹7.58 Cr | 1.88% |
| Emcure Pharmaceuticals Ltd | Equity | ₹7.54 Cr | 1.87% |
| Vinati Organics Ltd | Equity | ₹7.47 Cr | 1.85% |
| SJS Enterprises Ltd | Equity | ₹7.41 Cr | 1.84% |
| ITC Ltd | Equity | ₹7.39 Cr | 1.83% |
| Godrej Consumer Products Ltd | Equity | ₹6.84 Cr | 1.70% |
| Max Financial Services Ltd | Equity | ₹6.67 Cr | 1.65% |
| Kotak Mahindra Bank Ltd | Equity | ₹6.45 Cr | 1.60% |
| Dixon Technologies (India) Ltd | Equity | ₹6.26 Cr | 1.55% |
| Coforge Ltd | Equity | ₹6.18 Cr | 1.53% |
| Sona BLW Precision Forgings Ltd | Equity | ₹6.11 Cr | 1.52% |
| Voltas Ltd | Equity | ₹6.07 Cr | 1.51% |
| Utkarsh Small Finance Bank Ltd | Equity | ₹6.05 Cr | 1.50% |
| Hindalco Industries Ltd | Equity | ₹6.03 Cr | 1.49% |
| Akums Drugs & Pharmaceuticals Ltd | Equity | ₹6 Cr | 1.49% |
| Timken India Ltd | Equity | ₹5.88 Cr | 1.46% |
| CIE Automotive India Ltd | Equity | ₹5.84 Cr | 1.45% |
| Bank of Baroda | Equity | ₹5.52 Cr | 1.37% |
| Thermax Ltd | Equity | ₹5.5 Cr | 1.36% |
| Star Health and Allied Insurance Co Ltd | Equity | ₹5.46 Cr | 1.35% |
| Torrent Pharmaceuticals Ltd | Equity | ₹4.92 Cr | 1.22% |
| Bajaj Auto Ltd | Equity | ₹4.7 Cr | 1.16% |
| Zomato Ltd | Equity | ₹4.59 Cr | 1.14% |
| Clearing Corporation Of India Limited | Cash - Repurchase Agreement | ₹4.53 Cr | 1.12% |
| Oil & Natural Gas Corp Ltd | Equity | ₹4.51 Cr | 1.12% |
| RHI Magnesita India Ltd | Equity | ₹4.51 Cr | 1.12% |
| Container Corporation of India Ltd | Equity | ₹4.39 Cr | 1.09% |
| Bajaj Finance Ltd | Equity | ₹4.04 Cr | 1.00% |
| Westlife Foodworld Ltd | Equity | ₹3.96 Cr | 0.98% |
| Axis Bank Ltd | Equity | ₹3.83 Cr | 0.95% |
| Union Bank of India | Equity | ₹3.79 Cr | 0.94% |
| SBFC Finance Ltd | Equity | ₹3.7 Cr | 0.92% |
| Titan Co Ltd | Equity | ₹3.04 Cr | 0.75% |
| Cipla Ltd | Equity | ₹1.7 Cr | 0.42% |
| Net Receivables / (Payables) | Cash | ₹1.31 Cr | 0.32% |
| 7.17% Govt Stock 2030 | Bond - Gov't/Treasury | ₹1.01 Cr | 0.25% |
| 0% Goi - 16dec25 Strips | Bond - Gov't/Treasury | ₹0.27 Cr | 0.07% |
| La Opala RG Ltd | Equity | ₹0.15 Cr | 0.04% |
| Sundaram - Clayton Limited | Preferred Stock | ₹0 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
55.70%
Mid Cap Stocks
14.95%
Small Cap Stocks
20.86%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹107.62 Cr | 26.68% |
| Industrials | ₹59.19 Cr | 14.68% |
| Consumer Cyclical | ₹44.37 Cr | 11.00% |
| Healthcare | ₹41.91 Cr | 10.39% |
| Technology | ₹32.65 Cr | 8.10% |
| Basic Materials | ₹28 Cr | 6.94% |
| Energy | ₹24.45 Cr | 6.06% |
| Consumer Defensive | ₹14.24 Cr | 3.53% |
| Communication Services | ₹13.57 Cr | 3.36% |
| Real Estate | ₹12.81 Cr | 3.17% |
| Utilities | ₹11.44 Cr | 2.84% |
Risk & Performance Ratios
Standard Deviation
This fund
12.05%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.83
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Additional Scheme Detailsas of 31st July 2024
ISIN | INF209KB1I23 | Expense Ratio | 1.04% | Exit Load | No Charges | Fund Size | ₹403 Cr | Age | 12 Mar 2019 | Lumpsum Minimum | ₹1,000 | Fund Status | Open Ended Investment Company | Benchmark | NIFTY 500 TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Capital Gains Taxation:
- If units are sold after 1 year from the date of investment: Gains up to INR 1.25 lakh in a financial year are exempt from tax. Any gains exceeding INR 1.25 lakh are taxed at a rate of 12.5%.
- If units are sold within 1 year from the date of investment: The entire amount of gain is taxed at a rate of 20%.
- Holding the units: No tax is applicable as long as you continue to hold the units.
Dividend Taxation:
Dividends are added to the investor’s income and taxed according to their respective tax slabs. Additionally, if an investors dividend income exceeds INR 5,000 in a financial year, the fund house deducts a 10% Tax Deducted at Source (TDS) before distributing the dividend.
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Retirement Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2183.40 Cr | 29.9% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹173.90 Cr | 14.0% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2099.53 Cr | 35.5% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹930.43 Cr | 36.5% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹76.98 Cr | 21.6% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹930.43 Cr | 38.3% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹383.99 Cr | 40.1% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.0% | 0.0% | ₹383.99 Cr | 42.0% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹76.98 Cr | 19.9% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹517.00 Cr | 19.1% |
About the AMC
Total AUM
₹3,85,953 Cr
Address
One World Centre, Tower 1, 17th Floor, Mumbai, 400 013
Other Funds by Aditya Birla SL Mutual Fund
Risk Level
Your principal amount will be at Very High Risk
Unlock Expert Insights!
Related Articles
Still got questions?
We're here to help.
What is the current NAV of Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth?
What are the returns of Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth?
What is the portfolio composition of Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth?
Who manages the Aditya Birla Sun Life Retirement Fund - The 30s Plan Direct Growth?
- Dhaval Shah
- Harshil Suvarnkar
- Dhaval Joshi
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.