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Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth vs Franklin India Retirement Fund - Direct - Growth
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth and Franklin India Retirement Fund are both in the Retirement Fund category, from Aditya Birla Sun Life AMC Limited and Franklin Templeton Asset Management (India) Private Limited respectively. Franklin India Retirement Fund has posted a higher 3-year rolling CAGR. Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has the lower direct-plan expense ratio, by 0.16 percentage points.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | Franklin India Retirement Fund - Direct - Growth | |
|---|---|---|
| Category | Retirement Fund | Retirement Fund |
| AMC | Aditya Birla Sun Life AMC Limited | Franklin Templeton Asset Management (India) Private Limited |
| Benchmark | Nifty 500 TRI | CRISIL Short Term Debt Hybrid 60+40 Index |
| NAV | ₹24.221 (2026-10-28) | ₹235.2971 (2026-10-28) |
| AUM | ₹451.063 Cr | ₹470.89 Cr |
| Expense Ratio (Direct) | 1.35% | 1.51% |
| Inception | 2019-02-19 | 1997-03-31 |
Returns
Franklin India Retirement Fund leads on 3-year rolling CAGR (9.7% vs Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's 14.8%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has been the more volatile of the two by standard deviation.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | Franklin India Retirement Fund - Direct - Growth | |
|---|---|---|
| 3Y Sharpe Ratio | 0.44 | -0.10 |
| 3Y Alpha | 5.1678% | -0.703% |
| 3Y Std Deviation | 14.3683% | 5.4753% |
| 3Y Calmar Ratio | 0.71 | 1.11 |
Portfolio Analytics
Franklin India Retirement Fund carries the higher portfolio YTM.
| Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth | Franklin India Retirement Fund - Direct - Growth | |
|---|---|---|
| P/E Ratio | 29.8704 | 26.1183 |
| P/B Ratio | 6.656 | - |
| Dividend Yield | 0.8311% | 0.9332% |
| Active Share | - | - |
| Portfolio Turnover | 48% | - |
| YTM | 6.99% | 8.1224% |
| Duration (Macaulay) | - | 0.24 yrs |
Punji Fund Health Score
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has the stronger Punji Quality grade of the two.
Frequently asked questions
Which has a higher 3-year return, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Franklin India Retirement Fund?
Franklin India Retirement Fund's 3-year rolling CAGR of 9.7% is higher than Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's 14.8%. Franklin India Retirement Fund sits in the 41st percentile of its category on this metric, versus the 70th percentile for Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Franklin India Retirement Fund?
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's direct-plan expense ratio is 0.16 percentage points lower than Franklin India Retirement Fund's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Which fund carries more risk, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Franklin India Retirement Fund?
By standard deviation (a measure of how much a fund's returns swing around its own average), Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth has been more volatile than Franklin India Retirement Fund over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (0.44 for Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth vs -0.10 for Franklin India Retirement Fund) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Franklin India Retirement Fund?
Franklin India Retirement Fund has ₹471 Cr in assets under management, versus ₹451 Cr for Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which has a higher yield to maturity (YTM), Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Franklin India Retirement Fund?
Franklin India Retirement Fund's portfolio YTM (8.1224%) is higher than Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth's. YTM is the weighted-average return a debt fund's current bond holdings would earn if held to maturity, assuming no defaults and coupons reinvested at the same rate - a useful forward-looking yield estimate for debt funds the way rolling CAGR is for equity funds, though it's an estimate based on today's portfolio, not a guaranteed return, and can move as bonds are bought/sold or as interest rates change.
Which fund has a longer track record, Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth or Franklin India Retirement Fund?
Franklin India Retirement Fund launched on 1997-03-31, making it older than Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth (launched 2019-02-19). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.