Aditya Birla Sun Life Retirement Fund - The 30s Plan - Growth

Regular

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.
Direct

Regular and Direct options of the funds are exactly same except commission to your mutual fund broker/distributor. As an investor you do not need to pay any additional fees to purchase any of these options. However both have different expense ratios. Regular funds have higher expense ratio and direct funds have lower expense ratio. This difference is because of commission paid to broker/distributor. Lower expense ratio leads to higher returns for investors.

Fund House : Aditya Birla Sun Life Mutual Fund

Equity Holding : 95.77% | F&O Holdings : 0.00%| Foreign Equity Holdings : 0.00%| Total : 95.77%

No of Stocks : 72 (Category Avg - 53.86) | Large Cap Investments : 38%| Mid Cap Investments : 14.3% | Small Cap Investments : 13.63% | Other : 29.81%

Portfolio Summary (as on 31st Oct,2025)

Particulars	This Scheme	Category
No. of Stocks	72	57.78
Top 5 Stock Weight	14.27%	18.04%
Top 10 Stock Weight	24.86%	28.12%
Top 3 Sector Weight	25.65%	20.39%

Category - Retirement Fund

Particulars	This Scheme	Category
Average mcap (Cr)	67575.51	80305.02
Holdings in large cap stocks	38%	30.9%
Holdings in mid cap stocks	14.3%	8.92%
Holdings in small cap stocks	13.63%	9.54%

Category - Retirement Fund

Top 10 Stocks holding in Portfolio (as on 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity
ICICI Bank Ltd.	Private sector bank	172.3	4.03%	-0.17%	6.98% (Nov 2024)	4.03% (Oct 2025)	1.28 L
Larsen & Toubro Ltd.	Civil construction	117.8	2.76%	0.15%	4.35% (Jan 2025)	2.57% (Jun 2025)	29.23 k
HDFC Bank Ltd.	Private sector bank	109.4	2.56%	-0.01%	6.58% (Jan 2025)	2.25% (Mar 2025)	1.11 L
Au Small Finance Bank Ltd.	Other bank	107.1	2.51%	0.33%	2.51% (Oct 2025)	0% (Nov 2024)	1.22 L
Eternal Ltd.	E-retail/ e-commerce	103	2.41%	-0.16%	2.57% (Sep 2025)	1.39% (Nov 2024)	3.24 L
Godrej Consumer Products Ltd	Personal care	99	2.32%	-0.20%	2.71% (Jul 2025)	1.3% (Dec 2024)	88.50 k
State Bank Of India	Public sector bank	93.1	2.18%	0.07%	2.18% (Oct 2025)	1.93% (Jul 2025)	99.40 k
Jindal Steel Ltd.	Iron & steel products	88.2	2.07%	-0.08%	2.22% (Feb 2025)	0% (Nov 2024)	82.70 k
Infosys Ltd.	Computers - software & consulting	87.1	2.04%	-0.02%	5.45% (Jan 2025)	0% (Nov 2024)	58.73 k
Hindalco Industries Ltd.	Aluminium	84.6	1.98%	0.13%	2.12% (Feb 2025)	1.37% (Dec 2024)	99.82 k

- indicates change in weight in the portfolio. # indicates a new entry.

View complete holding

Complete equity Portfolio (as on 31st Oct,2025)

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Sector
M-Cap

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Stock Invested in	Sector	Sector Total	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty	M-Cap	GroupName
ICICI Bank Ltd.	Private sector bank	11.87	172.3	4.03%	-0.17%	6.98% (Nov 2024)	4.03% (Oct 2025)	1.28 L	0.00	Large Cap	38
Larsen & Toubro Ltd.	Civil construction	3.99	117.8	2.76%	0.15%	4.35% (Jan 2025)	2.57% (Jun 2025)	29.23 k	0.00	Large Cap	38
HDFC Bank Ltd.	Private sector bank	11.87	109.4	2.56%	-0.01%	6.58% (Jan 2025)	2.25% (Mar 2025)	1.11 L	0.00	Other	29.81
Au Small Finance Bank Ltd.	Other bank	2.51	107.1	2.51%	0.33%	2.51% (Oct 2025)	0% (Nov 2024)	1.22 L	0.00	Mid Cap	14.3
Eternal Ltd.	E-retail/ e-commerce	2.41	103	2.41%	-0.16%	2.57% (Sep 2025)	1.39% (Nov 2024)	3.24 L	0.00	Other	29.81
Godrej Consumer Products Ltd	Personal care	2.32	99	2.32%	-0.20%	2.71% (Jul 2025)	1.3% (Dec 2024)	88.50 k	0.00	Large Cap	38
State Bank Of India	Public sector bank	2.18	93.1	2.18%	0.07%	2.18% (Oct 2025)	1.93% (Jul 2025)	99.40 k	0.00	Large Cap	38
Jindal Steel Ltd.	Iron & steel products	4.02	88.2	2.07%	-0.08%	2.22% (Feb 2025)	0% (Nov 2024)	82.70 k	0.00	Mid Cap	14.3
Infosys Ltd.	Computers - software & consulting	7.9	87.1	2.04%	-0.02%	5.45% (Jan 2025)	0% (Nov 2024)	58.73 k	0.00	Large Cap	38
Hindalco Industries Ltd.	Aluminium	1.98	84.6	1.98%	0.13%	2.12% (Feb 2025)	1.37% (Dec 2024)	99.82 k	0.00	Large Cap	38
S.J.S. Enterprises Ltd.	Auto components & equipments	4.48	84.1	1.97%	0.13%	2.65% (Nov 2024)	1.39% (Mar 2025)	52.10 k	0.00	Other	29.81
Tech Mahindra Ltd.	Computers - software & consulting	7.9	80.6	1.89%	-0.04%	2.28% (Jun 2025)	0% (Nov 2024)	56.55 k	0.00	Large Cap	38
ICICI Lombard General Insurance Co Ltd.	General insurance	1.87	79.8	1.87%	0.03%	1.98% (Apr 2025)	0% (Nov 2024)	40.00 k	0.00	Large Cap	38
Prestige Estates Projects Ltd.	Residential, commercial projects	2.88	79.4	1.86%	0.18%	1.86% (Oct 2025)	0% (Nov 2024)	45.50 k	0.00	Mid Cap	14.3
Vinati Organics Ltd.	Specialty chemicals	2.59	77.5	1.81%	-0.17%	1.98% (Sep 2025)	0% (Nov 2024)	46.88 k	0.00	Other	29.81
Cipla Ltd.	Pharmaceuticals	5.88	77.3	1.81%	-0.08%	2.12% (Feb 2025)	0.42% (Nov 2024)	51.51 k	0.00	Large Cap	38
Axis Bank Ltd.	Private sector bank	11.87	76.9	1.80%	0.08%	1.95% (Feb 2025)	0.87% (Jan 2025)	62.35 k	0.00	Large Cap	38
Kirloskar Oil Engines Ltd.	Compressors, pumps & diesel engines	1.8	76.7	1.80%	0.08%	1.8% (Oct 2025)	0% (Nov 2024)	76.69 k	0.00	Small Cap	13.63
Rategain Travel Technologies Ltd.	Computers - software & consulting	7.9	75.7	1.77%	-0.09%	1.86% (Sep 2025)	0% (Nov 2024)	1.19 L	0.00	Other	29.81
Kajaria Ceramics Ltd.	Ceramics	1.71	72.9	1.71%	-0.01%	1.79% (Aug 2025)	0% (Nov 2024)	60.40 k	0.00	Small Cap	13.63
Ather Energy Ltd.	2/3 wheelers	2.93	72.7	1.70%	0.25%	1.7% (Oct 2025)	0% (Nov 2024)	1.05 L	0.00	Other	29.81
Sun Pharmaceutical Industries Ltd.	Pharmaceuticals	5.88	72.6	1.70%	0.03%	2.63% (Dec 2024)	1.67% (Sep 2025)	42.93 k	0.00	Large Cap	38
Hindustan Unilever Ltd.	Diversified fmcg	1.67	71.3	1.67%	-0.10%	1.89% (Aug 2025)	0% (Nov 2024)	28.90 k	0.00	Large Cap	38
SBI Life Insurance Co Ltd.	Life insurance	1.65	70.3	1.65%	0.08%	1.67% (Apr 2025)	0% (Nov 2024)	35.95 k	0.00	Large Cap	38
Adani Ports And Special Economic Zone Ltd.	Port & port services	1.63	69.7	1.63%	-0.01%	1.7% (May 2025)	0% (Nov 2024)	48.00 k	0.00	Large Cap	38
Fortis Healthcare Ltd.	Hospital	1.61	69	1.61%	0.02%	2.82% (Dec 2024)	1.18% (May 2025)	67.43 k	0.00	Other	29.81
Aptus Value Housing Finance India Ltd.	Housing finance company	1.55	66.4	1.55%	-0.07%	1.63% (Sep 2025)	0% (Nov 2024)	2.09 L	0.00	Other	29.81
Sona BLW Precision Forgings Ltd.	Auto components & equipments	4.48	61.2	1.43%	0.97%	1.51% (Nov 2024)	0.46% (Sep 2025)	1.30 L	83.50 k	Other	29.81
Greenply Industries Ltd.	Plywood boards/ laminates	1.43	61.2	1.43%	-0.04%	1.57% (Jul 2025)	0% (Nov 2024)	2.00 L	0.00	Small Cap	13.63
- GAIL (India) Ltd.	Gas transmission/marketing	1.43	61	1.43%	-0.01%	1.66% (Apr 2025)	0% (Nov 2024)	3.34 L	0.00	Large Cap	38
Titan Company Ltd.	Gems, jewellery and watches	1.42	60.6	1.42%	0.09%	1.44% (Apr 2025)	0.71% (Nov 2024)	16.18 k	0.00	Large Cap	38
- Bajaj Finserv Ltd	Holding company	1.41	60.3	1.41%	0.00%	1.56% (Mar 2025)	0% (Nov 2024)	28.85 k	0.00	Other	29.81
Kotak Mahindra Bank Ltd.	Private sector bank	11.87	57.4	1.34%	0.02%	2.1% (Dec 2024)	1.31% (Aug 2025)	27.30 k	0.00	Large Cap	38
Thermax Ltd.	Heavy electrical equipment	1.29	55.2	1.29%	-0.03%	1.7% (Nov 2024)	0% (Nov 2024)	17.15 k	0.00	Mid Cap	14.3
M&B Engineering Ltd.	Civil construction	3.99	52.7	1.23%	0.15%	1.23% (Oct 2025)	0% (Nov 2024)	1.16 L	0.00	Other	29.81
TVS Motor Company Ltd.	2/3 wheelers	2.93	52.3	1.22%	-0.02%	1.25% (Sep 2025)	0% (Nov 2024)	14.90 k	0.00	Mid Cap	14.3
Coforge Ltd.	Computers - software & consulting	7.9	47.9	1.12%	0.08%	2.39% (Dec 2024)	1.04% (Apr 2025)	26.95 k	0.00	Other	29.81
APL Apollo Tubes Ltd.	Iron & steel products	4.02	47.5	1.11%	0.02%	1.19% (May 2025)	0% (Nov 2024)	26.50 k	0.00	Other	29.81
City Union Bank Ltd.	Private sector bank	11.87	46.2	1.08%	0.03%	1.08% (Oct 2025)	0% (Nov 2024)	2.02 L	0.00	Mid Cap	14.3
Persistent Systems Ltd.	Computers - software & consulting	7.9	46.2	1.08%	0.16%	1.16% (Mar 2025)	0% (Nov 2024)	7.80 k	0.00	Other	29.81
Craftsman Automation Ltd.	Auto components & equipments	4.48	46.1	1.08%	-0.06%	1.17% (Aug 2025)	0% (Nov 2024)	6.90 k	0.00	Other	29.81
Firstsource Solutions Ltd.	It enabled services	2.82	45.7	1.07%	0.04%	1.07% (Oct 2025)	0% (Nov 2024)	1.29 L	0.00	Small Cap	13.63
Federal Bank Ltd.	Private sector bank	11.87	45.4	1.06%	0.16%	1.06% (Oct 2025)	0% (Nov 2024)	1.92 L	0.00	Mid Cap	14.3
Bharat Petroleum Corporation Ltd.	Refineries & marketing	2.02	44.6	1.04%	0.01%	2.04% (Apr 2025)	0% (Nov 2024)	1.25 L	0.00	Large Cap	38
Sobha Ltd.	Residential, commercial projects	2.88	43.7	1.02%	0.01%	1.05% (Jul 2025)	0% (Nov 2024)	27.00 k	0.00	Small Cap	13.63
Emcure Pharmaceuticals Ltd.	Pharmaceuticals	5.88	43.3	1.01%	-0.01%	1.13% (Jul 2025)	0.86% (Feb 2025)	32.86 k	0.00	Other	29.81
Avenue Supermarts Ltd.	Diversified retail	1.01	43.1	1.01%	-0.12%	1.28% (Nov 2024)	1.01% (Oct 2025)	10.37 k	0.00	Large Cap	38
Reliance Industries Ltd.	Refineries & marketing	2.02	42	0.98%	0.04%	4.26% (Nov 2024)	0.94% (Sep 2025)	28.26 k	0.00	Large Cap	38
VRL Logistic Ltd.	Logistics solution provider	0.96	40.9	0.96%	-0.02%	1.1% (Jul 2025)	0% (Nov 2024)	1.46 L	0.00	Small Cap	13.63
L&T Technology Services Ltd.	It enabled services	2.82	39.5	0.93%	-0.04%	1.17% (Mar 2025)	0% (Nov 2024)	9.60 k	0.00	Mid Cap	14.3
Balrampur Chini Mills Ltd.	Sugar	0.89	38	0.89%	-0.03%	1.21% (May 2025)	0% (Nov 2024)	82.88 k	0.00	Small Cap	13.63
Computer Age Management Services Pvt Ltd.	Depositories, clearing houses and other intermediaries	0.86	36.7	0.86%	0.01%	0.86% (Oct 2025)	0% (Nov 2024)	9.30 k	0.00	Other	29.81
National Thermal Power Corporation Ltd.	Power generation	0.85	36.3	0.85%	-0.04%	2.49% (Nov 2024)	0.85% (Oct 2025)	1.08 L	0.00	Large Cap	38
Shivalik Bimetal Controls Ltd.	Iron & steel products	4.02	35.8	0.84%	-0.07%	1% (Jun 2025)	0% (Nov 2024)	74.59 k	0.00	Small Cap	13.63
Mahanagar Gas Ltd.	Lpg/cng/png/lng supplier	0.84	35.8	0.84%	-0.05%	1.05% (Mar 2025)	0% (Nov 2024)	28.00 k	0.00	Small Cap	13.63
Cyient Ltd.	It enabled services	2.82	35.2	0.82%	-0.02%	1.12% (Feb 2025)	0% (Nov 2024)	30.31 k	0.00	Small Cap	13.63
Eureka Forbes Ltd.	Household appliances	0.8	34.3	0.80%	-0.05%	0.98% (May 2025)	0% (Nov 2024)	61.50 k	0.00	Other	29.81
Magma Fincorp Ltd.	Non banking financial company (nbfc)	1.38	33.7	0.79%	-0.06%	0.85% (Sep 2025)	0% (Nov 2024)	70.00 k	0.00	Small Cap	13.63
Atul Ltd.	Specialty chemicals	2.59	33.3	0.78%	-0.07%	1.03% (Jun 2025)	0% (Nov 2024)	5.77 k	0.00	Mid Cap	14.3
Aditya Infotech Ltd.	Industrial products	1.23	31.3	0.73%	-0.03%	0.76% (Sep 2025)	0% (Nov 2024)	23.78 k	0.00	Other	29.81
Ipca Laboratories Ltd.	Pharmaceuticals	5.88	30.4	0.71%	-0.07%	0.97% (Mar 2025)	0% (Nov 2024)	23.93 k	0.00	Other	29.81
Shilpa Medicare Ltd.	Pharmaceuticals	5.88	27.9	0.65%	-0.07%	0.85% (Jul 2025)	0% (Nov 2024)	79.10 k	39.55 k	Small Cap	13.63
Bikaji Foods International Ltd.	Packaged foods	0.65	27.7	0.65%	-0.04%	0.73% (Aug 2025)	0% (Nov 2024)	37.90 k	0.00	Other	29.81
Metro Brands Ltd.	Footwear	0.61	26	0.61%	-0.12%	0.72% (Sep 2025)	0% (Nov 2024)	23.00 k	0.00	Other	29.81
United Breweries Ltd.	Breweries & distilleries	0.6	25.7	0.60%	-0.03%	0.81% (Apr 2025)	0% (Nov 2024)	14.30 k	0.00	Large Cap	38
HDB Financial Services Ltd.	Non banking financial company (nbfc)	1.38	25.1	0.59%	-0.04%	0.66% (Aug 2025)	0% (Nov 2024)	34.36 k	0.00	Other	29.81
Pi Industries Ltd.	Pesticides & agrochemicals	0.57	24.3	0.57%	-0.01%	0.7% (Jul 2025)	0% (Nov 2024)	6.80 k	0.00	Mid Cap	14.3
Nippon Life India Asset Management Ltd.	Asset management company	0.52	22.3	0.52%	-0.02%	0.54% (Sep 2025)	0% (Nov 2024)	25.50 k	0.00	Mid Cap	14.3
Praj Industries Ltd.	Industrial products	1.23	21.4	0.50%	-0.01%	1.57% (Mar 2025)	0% (Nov 2024)	63.40 k	0.00	Small Cap	13.63
Supreme Industries Ltd.	Plastic products - industrial	0.41	17.5	0.41%	-0.06%	0.5% (Aug 2025)	0% (Nov 2024)	4.60 k	0.00	Mid Cap	14.3
- CreditAccess Grameen Ltd.	Microfinance institutions	0.31	13.2	0.31%	0.00%	0.32% (Aug 2025)	0% (Nov 2024)	9.30 k	0.00	Small Cap	13.63
# TVS Motor Company Ltd. - Preference Shares	2/3 wheelers	2.93	0.6	0.01%	0.00%	0% (Nov 2025)	0% (Nov 2025)	59.60 k	0.00	Other	29.81
InterGlobe Aviation Ltd.	Airline		39.6	0.00%	-0.96%	-	-	-	-	Large Cap	38
Cummins India Ltd.	Compressors, pumps & diesel engines	1.8	59.7	0.00%	-1.45%	-	-	-	-	Mid Cap	14.3

- indicates change in weight in the portfolio. # indicates a new entry.

New Stocks added in Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
No new entrants in the portfolio in the last month.

Stocks removed from Portfolio (in 1 month period ending 31st Oct,2025)

Stock Invested in	Sector	Value(Mn)	% of Total Holdings	1M Change	1Y Highest Holding	1Y Lowest Holding	Quantity	1M Change in Qty
InterGlobe Aviation Ltd.	Airline	39.6	0.00%	-0.96%	1.65% (Jul 2025)	0% (Nov 2024)	0.00	-7070
Cummins India Ltd.	Compressors, pumps & diesel engines	59.7	0.00%	-1.45%	1.45% (Sep 2025)	0% (Nov 2024)	0.00	-15203

Trend in stock holdings (Top 15 Holding)

Stock	Oct 2025	Sep 2025	Aug 2025	Jul 2025	Jun 2025	May 2025	Apr 2025	Mar 2025	Feb 2025	Jan 2025	Dec 2024	Nov 2024	Oct 2024
ICICI Bank Ltd.	4.03%	4.21%	4.39%	4.62%	4.44%	4.59%	4.82%	4.66%	4.65%	5.89%	6.96%	6.98%	6.93%
HDFC Bank Ltd.	2.56%	2.57%	2.59%	2.72%	2.66%	2.67%	2.81%	2.25%	2.46%	6.58%	6.47%	6.47%	6.25%
Infosys Ltd.	2.04%	2.06%	2.12%	2.16%	-	-	-	-	-	5.45%	5.13%	5.01%	4.73%
Larsen & Toubro Ltd.	2.76%	2.61%	2.58%	2.59%	2.57%	2.66%	2.57%	2.76%	4.21%	4.35%	4.15%	4.23%	4.11%
Ultratech Cement Ltd.	-	-	-	-	-	-	-	-	0.02%	3.76%	3.52%	3.41%	3.36%
Eternal Ltd.	2.41%	2.57%	2.50%	2.43%	2.05%	1.91%	3.97%	3.53%	-	-	-	-	-
Zomato Ltd.	-	-	-	-	-	-	-	-	2.20%	1.77%	1.40%	1.39%	1.20%
Brigade Enterprises Ltd.	-	-	-	-	-	-	-	-	1.21%	3.03%	3.03%	2.99%	2.84%
Bharti Hexacom Ltd.	-	-	-	-	-	-	-	-	0.07%	3.02%	3.06%	2.86%	2.92%
LTIMindtree Ltd.	-	-	-	-	2.30%	2.26%	2.18%	2.18%	2.18%	-	-	-	-
Tech Mahindra Ltd.	1.89%	1.93%	2.06%	2.01%	2.28%	2.20%	2.24%	2.16%	2.26%	-	-	-	-
Reliance Industries Ltd.	0.98%	0.94%	0.94%	0.96%	1.77%	1.73%	1.82%	1.69%	1.72%	1.67%	4.06%	4.26%	4.39%
Dixon Technologies (India) Ltd.	-	-	-	-	-	-	-	-	-	2.07%	2.34%	2.04%	1.81%
State Bank Of India	2.18%	2.11%	1.96%	1.93%	1.95%	2.00%	2.07%	2.07%	2.00%	2.13%	2.06%	2.15%	2.10%
Au Small Finance Bank Ltd.	2.51%	2.17%	2.15%	2.20%	2.39%	2.09%	2.18%	1.76%	2.23%	0.80%	-	-	-
Sun Pharmaceutical Industries Ltd.	1.70%	1.67%	1.68%	1.78%	1.72%	1.78%	2.07%	2.01%	2.00%	2.58%	2.63%	2.45%	2.54%