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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding
company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans,
Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrABCL
Corporate Governance Policies
- Policy for appointment of Statutory Auditors
- ABCL NRC Policy
- Corporate Social Responsibility
- Fair Practices Code
- Internal Guidelines on Corporate Governance
- Familiarization Programme for Independent Directors
- Disclaimers
- Ombudsman
- Privacy Policy
- Trademark Policy
- Vigil Mechanism / Whistle Blower Policy
- Regulatory Disclosure
Financial and Debt-Related Policies
Business and Partnership Policies
- Outsourcing FAQ’s
- Press Releases
- Our Digital Lending Platform Partners
- ABCL List of active CLA Partners
- List of Third parties
- Our Digital Referral Partners
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- ABCL Terminated Collection and Recovery Agency List
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ConseQuestPLAY NOW
Experience ConseQuest- A game where your decisions drive your future.
- Wisdom in Choices
- Life Optimised
- Simplifying Success
66,000 EMPLOYEES
1,742 BRANCHES
₹ 6 Lakh Cr
ASSETS UNDER MANAGEMENT
₹ 1.90 Lakh Cr
CONSOLIDATED LENDING BOOK
Advantages of Retirement-Oriented Mutual Funds
Disciplined investment
With a lock-in period of 5 years, you can save up for retirement and build a corpus over the investment tenure.
Market Linked returns
With equity-oriented retirement funds, you can expect to earn returns on investments which are also inflation-adjusted.
Tax benefits
Investment in Retirement mutual fund qualify for a deduction under Section 80CCC up to Rs.1.5 lakhs.
Regular Income Post-Retirement
Some retirement funds offer systematic withdrawal plans (SWP) or annuity options to ensure a steady income stream after retirement.
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Types Of Debt Funds
Most Popular
AUM: 23427(Cr)
Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: Very High
- MIN. INVESTMENT 500
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹10000
- Get (30 Yrs) ₹24,850*
*Projections/estimations is backtested using historical data.
Most Popular
- AUM: 23427(Cr)
- Risk: High
- MIN. INVESTMENT 1000
- 5 YRS RETURNS 33.32%
- Invest (Per Month) ₹15000
- Get (30 Yrs) ₹34,850*
*Projections/estimations is backtested using historical data.
Retirement funds returns Calculator
Check out the expected returns on your investments in retirement mutual funds. Use the Aditya Birla Sun Life Mutual Fund (ABSLMF) calculator for quick calculations.
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Understanding Retirement Funds
Table of Contents
What are retirement funds?
Retirement funds are solution-oriented mutual funds which aim to create a corpus for retirement. They have a lock-in period which allow you to save in a disciplined manner.
What are the features of retirement funds?
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Lock-in of 5 years or till retirement, whichever is earlier
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SIP or lump sum investment
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Payout in lump sum or through regular income
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Tax benefit on invested amount
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Asset allocation in equity and debt securities
What should you know before investing in retirement funds?
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There’s a lock-in period which restricts liquidity in the initial investment years
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You can choose from debt-oriented or equity-oriented funds based on your risk profile
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There’s a Systematic Withdrawal Plan (SWP) which gives regular annuities from the accumulated fund
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If you invest in equity-oriented funds, invest with a long-term view to ride out short-term volatility.
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There might be an exit load on redemption
Who should invest in retirement funds?
Those who want regular incomes after retirement
Investors looking to diversify their portfolio
Individuals looking for tax-saving benefits from investments
Who should buy a Savings Plan?
Equity-oriented funds
• Returns up to Rs.1 lakh are tax-free
• Returns exceeding Rs.1 lakh are taxed at 10%
Debt-oriented funds
• Returns earned are taxed at income tax slab rates
How can you withdraw from retirement funds?
Lump sum
• Withdraw in a lump sum once the lock-in period is over
SWP
• Choose the Systematic Withdrawal Plan and withdraw a fixed amount every month or week from the investment to create a regular source of income. The invested amount keeps on growing.
ULIP
Invest and secure with ULIPs
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Market-linked returns
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Flexibility: withdraw, switch, top up
Bonds
Guaranteed returns, liquid trading
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Diverse bond types
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Stable portfolio returns
Other asset class funds
Debt Funds
Invest in debt securities for low risks and stable returns.
Fund of Funds
Mutual funds that invest in other mutual funds both in India and globally
Know More
Hybrid Funds
Get a mix of equity, debt and other asset classes for a diversified portfolio
Know More
ETF Funds
Invest in funds listed and traded on the stock exchange
Know More
Index Fund
Passively-managed mutual funds tracking a particular index
Know MoreABC Of Money