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2 star

Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Regular Plan


Debt: Corporate Bond

1 Lakh

Investment Grown to
₹ 1.06 Lakh

₹ 10000

Monthly SIP Grown to
₹ 1.24 Lakh

Suitability:

Corporate Bond funds invest mainly in high-grade corporate bonds (those with a credit rating of AA+ and above). They are suitable for a short investment horizon of two to three years, or for the fixed-income allocation in your longer-term portfolio. You can expect to earn higher returns than what a bank fixed deposit can fetch.

The risk of incurring a loss in these funds is low, but they do not guarantee returns or safety of capital like a bank deposit.

Remember, their returns may not be substantially higher than inflation. They are meant to deliver steady, but low to moderate returns and are not suitable to build wealth in the long run.

Taxability of earnings:

Capital gains

  • If the mutual fund units are sold after 3 years from the date of investment, gains are taxed at the rate of 20% after providing the benefit of inflation indexation.
  • If the mutual fund units are sold within 3 years from the date of investment, entire amount of gain is added to the investors' income and taxed according to the applicable slab rate.
  • No tax is to be paid as long as you continue to hold the units.

Dividends

  • Dividends are added to the income of the investors and taxed according to their respective tax slabs. Further, if an investor's dividend income exceeds Rs. 5,000 in a financial year, the fund house also deducts a TDS of 10% before distributing the dividend.

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(₹)
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Trailing Returns (%)

YTD 1-Day 1-W 1-M 3-M 6-M 1-Y 3-Y 5-Y 7-Y 10-Y
Fund 5.62 0.14 0.26 1.12 0.80 3.02 6.21 -- -- -- --
VR Bond 6.30 0.10 0.24 0.63 0.50 2.90 7.43 -- -- -- --
Debt: Corporate Bond 8.66 0.07 0.21 1.27 1.55 5.33 10.06 -- -- -- --
Rank within category 19 2 4 16 20 19 19 -- -- -- --
Number of funds in category 20 21 21 20 20 20 20 15 13 10 8

As on 23-Oct-2020

Peer Comparison

Fund name Rating Launch Date 1-Year Return 3-Year Return 5-Year Return Expense Ratio Assets (Cr)
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan - Regular Plan  | Invest Online
2 star
Mar-19 6.21 -- -- 2.31 64
Aditya Birla Sun Life Corporate Bond Fund  | Invest Online
5 star
Mar-97 11.82 9.13 8.99 0.44 20,645
HDFC Corporate Bond Fund  | Invest Online
4 star
Jun-10 11.71 9.04 9.06 0.61 20,526
ICICI Prudential Corporate Bond Fund  | Invest Now
4 star
Jun-09 10.87 8.61 8.55 0.59 15,201
L&T Triple Ace Bond Fund  | Invest Online
4 star
Mar-97 13.50 9.73 8.50 0.62 5,301

Best & Worst Performance

Best (Period) Worst (Period)
Week 1.39 (24-Mar-2020 - 31-Mar-2020) -1.26 (12-Mar-2020 - 19-Mar-2020)
Month 2.27 (24-Mar-2020 - 23-Apr-2020) -1.17 (20-Feb-2020 - 23-Mar-2020)
Quarter 3.72 (09-Apr-2020 - 10-Jul-2020) 0.07 (09-Jul-2020 - 08-Oct-2020)
Year 6.99 (07-May-2019 - 06-May-2020) 4.40 (22-Mar-2019 - 23-Mar-2020)

Risk Measures (%)

Mean Std Dev Sharpe Sortino Beta Alpha
Fund -- -- -- -- -- --
VR Bond* 6.51 2.09 0.69 1.28 -- --
Debt: Corporate Bond* 7.06 2.89 1.06 2.06 0.60 1.14
Rank within category -- -- -- -- -- --
Number of funds in category -- -- -- -- -- --

The Risk Measures have been calculated using calendar month returns for the last three years.

As on

* As on 30-Sep-2020

Portfolio Aggregates

Fund 1Y High 1Y Low Category
Number of Securities 11 11 8 75
Modified Duration (yrs) 3.85 4.07 2.01 2.45
Average Maturity (yrs) 5.24 5.47 2.70 3.09
Yield to Maturity (%) 5.67 6.80 5.46 5.35
Avg Credit Rating AAA -- -- --

Value Research Fund Style

Credit Rating vis-à-vis Category

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Top Holdings

Company Instrument Credit Rating 1Y Range % Assets
equal 7.27% GOI 2026 GOI Securities SOV 15.10 - 17.23 16.82
equal 6.45% GOI 2029 GOI Securities SOV 0.00 - 16.35 16.01
equal 8.02% BPCL 2024 Debenture AAA 9.06 - 10.18 10.06
equal 7.59% GOI 2026 GOI Securities SOV 0.00 - 8.50 8.50
equal 8.15% REC 18/01/2021 Bonds/Debentures AAA 8.04 - 9.81 8.04
equal 5.77% GOI 2030 GOI Securities SOV 0.00 - 7.69 7.69
equal 7.37% GOI 16/04/2023 GOI Securities SOV 4.53 - 5.12 5.00
equal 6.57% GOI 2033 GOI Securities SOV 4.19 - 4.86 4.77
equal 8.39% State Bank of India 25/10/2024 Bonds/Debentures AA+ 2.91 - 3.20 3.19
equal 7.52% REC 2026 Bonds AAA 0.00 - 2.96 2.92
equal 8.55% HDFC 27/03/2029 Debenture AAA 1.53 - 1.74 1.71

up down equal Indicates an increase or decrease or no change in holding since last portfolio
new Indicates a new holding since last portfolio

As on 30-Sep-2020

Fund Manager

— Pranay Sinha since 19-Feb-2019

Education: Mr. Sinha has done B.Tech in Aerospace Engg. from IIT Kharagpur and PGDM with Major in Finance from IIM Calcutta.

Experience: Prior to joining BSLAMC , he has worked with BNP Paribas Bank (October 2010 - August,2014) , Morgan Stanley Investment Management Pvt. Ltd. (March 2008 - October 2010) and ICICI Prudential Asset Management Co. Ltd. ( October 2005 - March 2008).

Funds Managed:


0.14%

Change from previous, NAV as on 23-Oct-2020

Growth: ₹ 11.0206

Dividend: ₹ 11.0209


Investment Strategy

The Scheme seeks to invests in various debt securities and money market instruments issued by corporates and/or state and central government.

Investment Details

Minimum Investment (₹) 1,000
Minimum Addl Investment (₹) 1,000
Minimum SIP Investment (₹) 500
Minimum No of Cheques 6
Minimum Withdrawal (₹) --
Minimum Balance (₹) 500
Exit Load 0

Basic Details

Fund House: Aditya Birla Sun Life Mutual Fund
Launch Date: 11-Mar-2019
Return Since Launch: 6.17%
Benchmark: CRISIL Short-Term Bond TRI
Riskometer: Moderate
Type: Open-ended
Assets: ₹ 64 Cr (As on 30-Sep-2020)
Expense: 2.31% (As on 30-Sep-2020)
Risk Grade: Average
Return Grade: Below Average

Contact Information

AMC: Aditya Birla Sun Life AMC Ltd.

Address: One India Bulls Center - Tower 1, 17th Floor - Jupiter Mills Compound, 841 Senapati Bhawan, Elphinstone Road, Mumbai - 400013

Phone: 022-43568000 / 1800-270-7000 / 1800-22-7000

Fax: 022-43568110

Website: http://mutualfund.adityabirlacapital.com

Registrar & Transfer Agent: Computer Age Management Services Ltd.

Address: 7th Floor, Tower II, Rayala Towers, 158, Anna Salai, Chennai - 600002

Phone: 1800-3010-6767 / 1800-419-7676

Fax: 044-30407101

Email: [email protected]

Website: www.camsonline.com

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Alternatives for a fixed-income investor

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