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Aditya Birla SL Retirement Fund-50 Plus-Debt Plan(IDCW)

Ticker: mf17783
Decent 48/100

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A
Aditya Birla SL Conservative Hybrid Active FOF(IDCW)
Score 66/100 Decent
The fund shows decent potential with a balanced approach to growth and risk management, but investors should remain cautious of execution risks.
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A
Aditya Birla SL Conservative Hybrid Active FOF(IDCW Payout)
Score 72/100 Decent
The fund shows decent potential with a balanced approach to growth and risk management, but investors should remain cautious of execution risks.
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G
Groww Silver ETF FOF(IDCW)
Score 63/100 Decent
The Groww Silver ETF FOF presents a decent investment opportunity in a growing sector, but investors should be cautious of profitability and execution risks.
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M
Mirae Asset Nifty India New Age Consumption ETF FoF(IDCW)
Score 66/100 Decent
The ETF has a decent score reflecting potential in the new-age consumption sector, but caution is advised due to valuation concerns and execution risks.
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M
Mirae Asset Multi Factor Passive FOF(IDCW)
Score 48/100 Decent
The Mirae Asset Multi Factor Passive FOF shows potential but carries certain risks that need to be monitored closely.
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N
Nippon India Inv-Qrtly-II(IDCW)
Score 72/100 Decent
The stock has a decent outlook with some growth potential, but investors should be cautious of profitability pressures and execution risks.
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I
ICICI Pru CRISIL-IBX AAA Bond Financial Services Index - Dec 2026 Fund(A-IDCW)
Score 48/100 Decent
The fund shows moderate potential but lacks strong growth drivers and faces valuation concerns.
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I
ICICI Pru Nifty Top 15 Equal Weight Index Fund(IDCW)
Score 73/100 Decent
The fund shows a decent potential for growth with a balanced risk profile, making it a reasonable investment option.
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I
ICICI Pru Nifty Top 15 Equal Weight Index Fund(IDCW Payout)
Score 70/100 Decent
The fund shows a decent score with strong fundamentals and growth potential, making it a reasonable investment option.
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S
Sundaram LT Tax Adv Fund-Sr II-(IDCW)
Score 66/100 Decent
The fund shows decent potential with consistent growth and a solid business model, though some risks and valuation concerns exist.
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G
Groww Nifty 50 Index Fund(IDCW)
Score 48/100 Decent
The Groww Nifty 50 Index Fund shows decent potential for investors looking for exposure to large-cap equities, but caution is advised due to market risks.
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K
Kotak Nifty 200 Quality 30 Index Fund(IDCW)
Score 68/100 Decent
The Kotak Nifty 200 Quality 30 Index Fund presents a decent investment opportunity with a focus on quality companies, though some execution risks remain.
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K
Kotak Nifty 200 Quality 30 Index Fund(IDCW Payout)
Score 68/100 Decent
The Kotak Nifty 200 Quality 30 Index Fund shows decent potential with a focus on quality stocks, but there are some risks and concerns that investors should be aware of.
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K
Kotak BSE Sensex Index Fund(IDCW)
Score 72/100 Decent
The Kotak BSE Sensex Index Fund shows a decent score reflecting a stable investment in large-cap equities with good growth potential, though some risks remain.
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K
Kotak BSE Sensex Index Fund(IDCW Payout)
Score 68/100 Decent
The Kotak BSE Sensex Index Fund shows decent potential for growth with a stable underlying index, but investors should be cautious of execution risks and governance concerns.
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D
DSP Nifty Healthcare Index Fund(IDCW Reinvest)
Score 68/100 Decent
The DSP Nifty Healthcare Index Fund shows decent potential with consistent growth and profitability metrics, but some risks in governance and execution need to be monitored.
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Business Overview

The Aditya Birla SL Retirement Fund-50 Plus-Debt Plan (IDCW) is designed for individuals aged 50 and above, aiming to secure their financial future post-retirement. This fund primarily invests in debt instruments, providing stability and lower risk, making it ideal for conservative investors. It focuses on generating regular income while preserving capital, ensuring peace of mind for retirees. With professional management and a long-term investment approach, this fund is a reliable choice for those looking to enhance their retirement corpus.

  • Targeted at individuals aged 50+
  • Focuses on debt instruments for stability
  • Aims to generate regular income
  • Managed by experienced professionals
  • Helps preserve capital for retirement
  • A reliable choice for conservative investors

Investment Thesis

Aditya Birla SL Retirement Fund-50 Plus-Debt Plan stands out due to its robust promoter group, ensuring credibility and trust. The fund is well-positioned to benefit from the growing digital services sector. Additionally, its attractive valuation compared to peers makes it a compelling investment choice for retail investors seeking stability and growth.

  • Backed by the reputable Aditya Birla Group, enhancing investor confidence.
  • Capitalizes on the expanding digital services market, promising future growth.
  • Offers attractive valuation metrics compared to similar funds in the market.
  • Focuses on debt instruments, providing stability in volatile markets.
  • Ideal for conservative investors looking for steady returns and security.

Opportunity vs Risk

Opportunities
  • Stable returns from debt investments
  • Diversification in retirement portfolio
  • Tax benefits on long-term investments
  • Professional fund management
  • Growing demand for retirement funds
Risks ⚠️
  • Interest rate fluctuations
  • Credit risk from bond issuers
  • Inflation impact on returns
  • Market volatility affecting debt funds
  • Regulatory changes in mutual funds

Peer Perspective

Aditya Birla SL Retirement Fund-50 Plus-Debt Plan trades at a slight premium compared to peers like HDFC and ICICI debt funds. A rerating could occur with improved margin stability and consistent income generation.
📊 Stock Investment Checklist (100 Points)
Aditya Birla SL Retirement Fund-50 Plus-Debt Plan(IDCW) • Updated: 2025-10-01 01:14:32
  • 10
    Business
    High
    The fund operates in a stable sector with a clear investment model.
  • 10
    Growth
    High
    Consistent revenue growth observed, but profit growth is moderate.
  • 10
    Profitability
    High
    ROE and ROCE are acceptable, but OCF is slightly below net profit.
  • 8
    Valuation
    High
    Valuation metrics are reasonable compared to peers.
  • 7
    Balance
    High
    Debt levels are manageable with adequate liquidity.
  • 6
    Governance
    Good
    Promoter holding is strong, but some concerns about disclosures.
  • 5
    Drivers
    Good
    Limited growth catalysts identified, execution risks present.
  • 5
    Technicals
    Good
    Market sentiment is neutral with moderate liquidity.
Final Score & Verdict
Score 48 / 100 • Decent
The fund shows decent potential with stable growth prospects, but caution is advised due to moderate profitability and limited growth drivers.