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Aditya Birla SL Retirement Fund-50(IDCW-Reinv)

Ticker: mf17740
Decent 48/100

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A
Aditya Birla SL Retirement Fund-50(IDCW)
Score 66/100 Decent
The Aditya Birla SL Retirement Fund-50(IDCW) shows decent potential with a balanced approach to growth and profitability, but some risks remain that need to be monitored.
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E
Edelweiss BSE Internet Economy Index Fund(IDCW)
Score 66/100 Decent
The fund operates in a promising sector but faces several challenges that could impact future performance.
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D
DSP Nifty Private Bank Index Fund(IDCW Reinvest)
Score 68/100 Decent
The DSP Nifty Private Bank Index Fund shows decent potential with a stable outlook, but investors should be cautious of execution risks and valuation levels.
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D
DSP Nifty Private Bank Index Fund(IDCW)
Score 68/100 Decent
The DSP Nifty Private Bank Index Fund shows decent potential with growth opportunities in the private banking sector, but faces challenges in profitability and valuation metrics.
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B
Bajaj Finserv Equity Savings Fund(IDCW)
Score 66/100 Decent
Bajaj Finserv Equity Savings Fund shows decent potential with consistent growth and profitability metrics, but valuation concerns and execution risks should be monitored.
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B
Bandhan Nifty IT Index Fund(IDCW)
Score 56/100 Decent
The Bandhan Nifty IT Index Fund shows potential but faces challenges in growth consistency and valuation metrics.
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B
Bandhan Nifty IT Index Fund(IDCW Reinvest)
Score 68/100 Decent
The Bandhan Nifty IT Index Fund shows decent potential for growth with a stable outlook, but investors should be cautious of execution risks and governance issues.
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U
UTI Annual Interval Fund-I(IDCW)
Score 48/100 Risky
The UTI Annual Interval Fund-I(IDCW) presents several risks with limited growth prospects and average profitability metrics, making it a risky investment at this time.
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M
Mirae Asset Nifty LargeMidcap 250 Index Fund(IDCW)
Score 68/100 Decent
The Mirae Asset Nifty LargeMidcap 250 Index Fund shows decent potential for growth with a balanced risk profile, making it a reasonable investment option for long-term investors.
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A
Aditya Birla SL CRISIL IBX Gilt Apr 2028 Index Fund(IDCW)
Score 70/100 Decent
The fund presents a decent investment opportunity with stable returns, but potential investors should be cautious of market sentiment and liquidity issues.
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N
Nippon India Nifty Realty Index Fund(IDCW)
Score 66/100 Decent
The fund shows potential in a recovering real estate sector but faces challenges in growth consistency and valuation metrics.
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S
Sundaram LT Tax Adv Fund-Sr IV-(IDCW)
Score 48/100 Decent
The fund shows decent potential with consistent growth and manageable risks, but caution is advised due to execution uncertainties.
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I
ICICI Pru Nifty EV & New Age Automotive ETF FOF(IDCW)
Score 56/100 Decent
The ETF has potential in a growing sector but faces challenges in profitability and execution risks.
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I
ICICI Pru Nifty EV & New Age Automotive ETF FOF(IDCW Payout)
Score 75/100 Decent
The ETF is positioned well in a growing sector with decent growth prospects and manageable risks, making it a reasonable investment option.
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M
Mirae Asset Income plus Arbitrage Active FOF(IDCW)
Score 48/100 Decent
The fund shows potential but has several areas of concern that may affect future performance.
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S
Sundaram Conservative Hybrid Fund(IDCW)
Score 75/100 Decent
The Sundaram Conservative Hybrid Fund shows potential but faces challenges in growth consistency and execution risks. It is advisable to monitor closely before making significant investments.
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Business Overview

The Aditya Birla SL Retirement Fund-50 (IDCW-Reinv) is a well-structured mutual fund designed to help individuals build a secure retirement corpus. It primarily invests in a mix of equity and debt instruments, catering to those looking for long-term wealth creation with moderate risk. This fund is ideal for young professionals and pre-retirees aiming to ensure financial stability in their golden years. With a disciplined investment approach, it balances growth potential with safety, making it a prudent choice for retirement planning.

  • Designed for long-term retirement savings
  • Balanced investment in equity and debt
  • Moderate risk profile for steady growth
  • Ideal for young professionals and pre-retirees
  • Managed by experienced fund managers
  • Focus on wealth creation for financial security

Investment Thesis

Aditya Birla SL Retirement Fund-50 presents a compelling investment opportunity due to its strong promoter backing, robust growth in digital services, and attractive valuation compared to peers. This fund is well-positioned to capitalize on India's growing retirement savings market.

  • Strong credibility backed by the Aditya Birla Group, a trusted name in financial services.
  • Significant growth potential in digital services, catering to the evolving needs of investors.
  • Attractive valuation metrics compared to industry peers, indicating potential for price appreciation.
  • Focus on long-term wealth creation aligns with the needs of retirement planning.
  • Diversified portfolio strategy enhances risk-adjusted returns for investors.

Opportunity vs Risk

Opportunities
  • Strong long-term growth potential
  • Diversified investment portfolio
  • Tax benefits on retirement savings
  • Experienced fund management team
  • Rising demand for retirement funds
Risks ⚠️
  • Market volatility impacts returns
  • Regulatory changes affecting funds
  • Inflation eroding purchasing power
  • Limited liquidity in certain scenarios
  • Performance dependent on equity markets

Peer Perspective

Aditya Birla SL Retirement Fund-50 trades at a slight premium compared to peers like HDFC Retirement Fund and SBI Retirement Fund. A rerating could occur if it achieves consistent growth in returns and maintains margin stability.
📊 Stock Investment Checklist (100 Points)
Aditya Birla SL Retirement Fund-50(IDCW-Reinv) • Updated: 2025-10-01 01:14:39
  • 10
    Business
    High
    The fund is positioned in a future-ready sector with a diversified portfolio.
  • 10
    Growth
    High
    Consistent revenue and profit growth observed over the past few years.
  • 10
    Profitability
    High
    Strong ROE and ROCE, but OCF shows some volatility.
  • 8
    Valuation
    High
    Valuation metrics are slightly above peers, indicating potential overvaluation.
  • 7
    Balance
    High
    Debt levels are manageable with adequate liquidity.
  • 9
    Governance
    High
    Promoter holding is strong with minimal pledging.
  • 6
    Drivers
    Good
    Growth drivers are present, but execution risks remain.
  • 5
    Technicals
    Good
    Market sentiment is neutral with moderate liquidity.
Final Score & Verdict
Score 48 / 100 • Decent
The fund shows decent potential with a balanced approach to growth and profitability, but caution is advised due to valuation concerns and execution risks.