Aditya Birla Sun Life Retirement Fund-The 30s Plan
Aditya Birla Sun Life Mutual Fund · Retirement · Direct plan, growth option
NAV (₹), 1 Oct 2026
24.4710
1-day change
-1.05%
1Y return
11.0%
3Y CAGR
15.1%
5Y CAGR
11.6%
Max drawdown, 5Y
−19.0%
NAV history month-end NAV, ₹ · 12 Mar 2019 to 1 Oct 2026
Returns vs Retirement median (29 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -5.0% | -4.4% |
| 3 months | -1.1% | -2.3% |
| 6 months | 17.6% | 5.3% |
| Year to date | 6.4% | -1.7% |
| 1 year | 11.0% | 0.8% |
| 3 years (CAGR) | 15.1% | 8.2% |
| 5 years (CAGR) | 11.6% | 8.4% |
| 7 years (CAGR) | 14.0% | 11.0% |
| 10 years (CAGR) | n/a | 9.9% |
| Since first NAV (CAGR) | 12.6% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 12.1% | 9.6% |
| 3Y rolling median | 15.0% | 12.9% |
| 3Y rolling worst | 6.6% | 5.7% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 14.7% | 11.7% |
| 5Y rolling worst | 9.7% | 6.8% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 15.7% | 10.9% |
| Sharpe ratio | 0.63 | 0.24 |
| Sortino ratio | 1.00 | 0.34 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −34.2% | −16.5% |
| Maximum drawdown, last 10Y | n/a | −23.2% |
| Maximum drawdown, last 5Y | −19.0% | −12.3% |
| Current drawdown | −5.6% | −5.6% |
| Recovery time of worst fall | 232 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Direct or Regular for this scheme?
The Regular plan's expense ratio is 2.64% a year and the Direct plan's 1.35%, a gap of 1.29%; over the last 3 years the Direct plan returned 1.50 percentage points a year more. On a ₹25,000 monthly SIP for 20 years (illustration at 12% a year before costs) the gap adds up to about ₹27,73,194.
With the Regular plan, that cost pays a distributor to help you plan, choose and review funds, and stay invested when markets fall. Whether it is worth it depends on how much of that you will do yourself.
TER: AMFI TER disclosure. Returns: AMFI NAVs. Illustration, not a guaranteed saving or return.
Fund managers and scheme facts Scheme Summary Document via AMFI
| Fund manager | Role | Managing since |
|---|---|---|
| Jonas Bhutta | Primary | 31 Oct 2024 |
Objective: The primary investment objective of the Scheme is income generation and capital appreciation for its investors which will be in line with their retirement goals by investing in a mix of equity, equity related instruments along with debt and money market instruments. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.
Stated asset allocation: Under normal circumstances, the asset allocation of the Scheme will be as follows: Instruments - Risk Profile - Range Equity & Equity related instruments- Medium to High- 80%-100% Debt & Money Market Instruments - Low to Medium - 0%-20%
Benchmark (tier 1): Nifty 500 TRI
Minimum application: ₹1,000
Allotment date: 11 Mar 2019
Documents: Scheme Information Document · Scheme Summary Document. Read the scheme documents before investing.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Direct plan | 1.35% | 1.16% |
| AUM, whole scheme (₹ crore) | 465 | 269 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 13.1% | -2.0% TRI |
| Return, 3 years (AMFI) | 15.5% | 9.5% TRI |
| Return, 5 years (AMFI) | 11.8% | 9.0% TRI |
| Month-ends above category median (3Y CAGR) | 93% | 41% median |
| Month-ends in category top quartile (3Y) | 27% | 9% median |
Official benchmark: Nifty 500 TRI (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Retirement Direct plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | 6.4% | n/a | – |
| 2025 | 9.8% | n/a | – |
| 2024 | 19.5% | n/a | – |
| 2023 | 23.0% | n/a | – |
| 2022 | 1.8% | n/a | – |
| 2021 | 14.4% | n/a | – |
| 2020 | 16.7% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 1 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,26,709 | 10.5% |
| 3 years | ₹3,60,000 | ₹4,28,966 | 11.7% |
| 5 years | ₹6,00,000 | ₹8,47,757 | 13.8% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Retirement
Plan / option: Direct · Growth
AMFI scheme code: 146575
ISIN: INF209KB1I23
First NAV in MFIC data: 12 Mar 2019
History: 7.6 years
Portfolio holdings: see the scheme's monthly portfolio disclosure on the fund house website
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Union Children's Fund | Children's | 0.97 | n/a |
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Children's | 0.97 | 9.5% |
| Baroda BNP Paribas Retirement Fund | Retirement | 0.97 | n/a |
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | Retirement | 0.97 | 9.9% |
| PGIM India Retirement Fund | Retirement | 0.96 | n/a |
| Union Retirement Fund | Retirement | 0.95 | 11.6% |
Questions about Aditya Birla Sun Life Retirement Fund-The 30s Plan
- What is the latest NAV of Aditya Birla Sun Life Retirement Fund-The 30s Plan?
- The NAV of the Direct plan (growth option) was ₹24.4710 on 1 Oct 2026, as published by AMFI.
- Which category is Aditya Birla Sun Life Retirement Fund-The 30s Plan in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Direct plans).
- What returns has Aditya Birla Sun Life Retirement Fund-The 30s Plan delivered?
- Over one year the NAV changed by 11.0%. The 3-year CAGR is 15.1% (category median 8.2%) and the 5-year CAGR is 11.6% (category median 8.4%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 15.0%, the lowest was 6.6%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Aditya Birla Sun Life Retirement Fund-The 30s Plan's NAV?
- The largest peak-to-trough fall in its available history was 34.2%; within the last five years it was 19.0% (category median 12.3%).
- How volatile is Aditya Birla Sun Life Retirement Fund-The 30s Plan?
- Its annualised standard deviation of monthly returns over the last 36 months is 15.7%, which is above the Retirement category median of 10.9%.
- What would a monthly SIP in Aditya Birla Sun Life Retirement Fund-The 30s Plan have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹8,47,757 on 1 Oct 2026, an annualised return (XIRR) of 13.8%. This uses the Direct plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- What is the expense ratio (TER) of Aditya Birla Sun Life Retirement Fund-The 30s Plan?
- The total expense ratio of the Direct plan is 1.35% a year, as disclosed to AMFI (median of Retirement Direct plans: 1.16%). It is already deducted from the NAV, so every return shown is after expenses.
- How large is Aditya Birla Sun Life Retirement Fund-The 30s Plan?
- Assets under management of the whole scheme were ₹465 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Aditya Birla Sun Life Retirement Fund-The 30s Plan?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “Very High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Aditya Birla Sun Life Retirement Fund-The 30s Plan and how has it compared?
- Its official benchmark is the Nifty 500 TRI. Over 3 years AMFI reports a return of 15.5% for this plan against 9.5% for the benchmark total return index; over 5 years 11.8% against 9.0%. Past performance does not indicate future results.
- How often has Aditya Birla Sun Life Retirement Fund-The 30s Plan beaten its category?
- At 93% of the 55 month-ends compared over the last 10 years, its 3-year return was above the median of Retirement schemes (Direct plans); it was in the top quarter at 27% of them. A typical scheme would show about 50%.
- Who manages Aditya Birla Sun Life Retirement Fund-The 30s Plan?
- According to its Scheme Summary Document, Aditya Birla Sun Life Retirement Fund-The 30s Plan is managed by Jonas Bhutta (since 31 Oct 2024).
- What is the minimum investment in Aditya Birla Sun Life Retirement Fund-The 30s Plan?
- The minimum application amount is ₹1,000.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 11.0% and the Regular plan's by 9.5%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 1 Oct 2026. Category medians use Direct plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.