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Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt

Q: What is the NAV of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

As of 20 Aug 2026, the NAV of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt is ₹11.11 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

Q: What returns has Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt delivered?

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt has returned -2.70% over 1 year, -1.96% per year over 3 years, -0.20% per year over 5 years and +1.42% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

Q: What is the expense ratio of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt charges an expense ratio of 2.05% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

Q: What are the top holdings of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

Its largest holdings are 6.57 GOVT. STOCK 2033 05.12.2033 (21.0%), GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 (8.7%), GOVERNMENT OF INDIA 34293 GS 06MAY2030 C STRIPS FV RS 100 (7.5%), HDFC BANK LIMITED SR V004 8.55 NCD 27MR29 FVRS10LAC (7.3%) and STATE DEVELOPMENT LOAN 36359 RAJ 28AG35 7.49 FV RS 100 (5.7%). Holdings are disclosed monthly and change over time.

Q: How risky is Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

It is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 6.9% and its worst peak-to-trough fall in our sample was -11.5%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

Q: What does the Sharpe ratio of -1.23 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt's -1.23 means it has not compensated investors for its volatility over the window. Higher is better.

Q: What is the benchmark of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt is benchmarked against the CRISIL Short-Term Bond Index. Its alpha and beta on this page are measured against that index.

Q: Who manages Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt is managed by Harshil Suvarnkar at Aditya Birla Sun Life.

Q: How is Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt taxed?

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.

Aditya Birla Sun Life Mutual Fund · Best Retirement Mutual Funds

NAV

₹11.11

-0.11% 1D

as of 20 Aug 2026

Compare SIP calculator

This is the IDCW (dividend) option — it pays its earnings out as dividends rather than reinvesting them, so every payout steps the NAV down and the return figures below leave those payouts out. Your actual return was higher by whatever was distributed. That’s expected for a payout plan, not missing data.

View the Growth plan for compounded returns (+5.02% 3Y CAGR)

NAV history

-2.64%CAGR

52-week rangePrev NAV ₹11.12

Latest ₹11.11

Low ₹10.7848th percentile of its 52-week rangeHigh ₹11.47

Scorecard

★★☆☆☆2/5 vs 19 of 21 Retirement Fund peers

Performance 60%
Risk 15%
Cost 10%
Downside 15%

How this is computed

Each verdict is computed from this fund's own metrics against its sub-category — the number behind it is shown, not a black-box rating. The stars weight the same ground 60/15/10/15 (performance/risk/cost/downside) across every fund in the peer group. Ranked within Retirement Fund (same plan and option). 19 of the 21 Retirement Funds in this cohort carry the full record the stars need, so they are the ones ranked against.

PerformanceBelow avg

3Y CAGR -1.96% · ranks 19 of 21 Retirement Funds

RiskLow

Volatility 6.9% vs 10.3% category avg

CostAverage

2.0% expense vs 2.3% category avg

ConsistencyLow

69% of rolling 3Y windows were positive

Strengths & concerns

Generated from this fund's own numbers against its sub-category — each point names the figure behind it.

Strengths

Less volatile than its Retirement Fund peers (6.9% vs 10.3%)

Concerns

Trails the Retirement Fund average on 1M/3M/1Y — 1Y by 4.16pp
3-year return (-1.96%) trails the Retirement Fund average (+8.30%)
5-year return (-0.20%) trails the Retirement Fund average (+7.51%)
Ranks #17 of 21 on 1-year return in its Retirement Fund cohort
Weaker risk-adjusted returns — Sharpe -1.23 below the Retirement Fund average of 0.04

Key Metrics

Annual fee charged by the fund, already deducted from NAV

Category 2.27%

Portfolio-weighted harmonic mean P/E across the fund's equity holdings

Category 25.96

Excess return per unit of total volatility (rf = 6.5%)

-1.23

Category 0.04▼1.27

Scheme Info

Definitions

Plan

Regular · IDCW

Period before units can be redeemed — 3 years for ELSS, none for most open-ended funds

Exit Load

Statutory levy on every mutual-fund purchase since 1 Jul 2020 (SEBI / Govt of India) — the same for every scheme

0.005%

SIP Inv.

Smallest recurring SIP instalment the scheme accepts

Smallest one-time (lumpsum) investment the scheme accepts

Benchmark

Start of our NAV history for this plan. Direct plans begin 1 Jan 2013, so this is the plan's inception — not necessarily the scheme's original launch date.

13 Mar 2019

Period returns (<1Y, absolute — not annualized)

Definitions

Absolute return over the last 1 month (not annualized)

+0.36%

Absolute return over the last 3 months (not annualized)

+1.87%

Absolute return over the last 6 months (not annualized)

+1.83%

Absolute return since 1 Jan of this year (not annualized)

+2.21%

Annualized returns (≥1Y — CAGR)

Definitions

1-year point-to-point return, annualized (CAGR)

-2.70%

3-year annualized return (CAGR)

-1.96%

5-year annualized return (CAGR)

-0.20%

10-year annualized return (CAGR)

—

Annualized return (CAGR) since the fund's inception

+1.42%

Advanced metrics — risk

Risk (trailing 3Y)

Definitions

Annualized standard deviation of daily returns

6.88%

Excess return per unit of total volatility (rf = 6.5%)

-1.23

Excess return per unit of downside deviation — upside swings aren't penalized (rf = 6.5%)

-1.23

Largest peak-to-trough decline over full history

-11.47%

Benchmark ratios

Not shown for Retirement Fund — a debt, arbitrage or cash-like fund isn't measured against an equity index, so alpha/beta vs one would be noise rather than signal.

Fund vs category average (Retirement Fund)

Period	Fund	Category avg.	Diff
1M abs	+0.36%	+1.35%	-0.99%
3M abs	+1.87%	+3.98%	-2.11%
6M abs	+1.83%	+1.90%	-0.07%
1Y CAGR	-2.70%	+1.46%	-4.16%
3Y CAGR	-1.96%	+8.30%	-10.26%
5Y CAGR	-0.20%	+7.51%	-7.71%

Category average across peers in Retirement Fund (up to 21 funds with data), same plan and option, excluding this fund. Under-1-year figures are absolute; 1Y and beyond are annualised (CAGR).

Not sure what a figure means? The glossary explains every metric, and the methodology shows the formulas.

Category rank

Vs 21 peers in Retirement Fund

1Y return

-2.70%

Beats 23.8% · rank #17

3Y return

-1.96%

Beats 0% · rank #19

5Y return

-0.20%

Beats 5.9% · rank #17

Sharpe

-1.23

Beats 0% · rank #22

Sortino

-1.23

Beats 0% · rank #22

Rolling returns

Return for every possible 1Y holding period, not just today’s

Average

+1.1%

Median

+1.8%

Best

+6.6%

Worst

-8.4%

Positive periods

59.0%

78 overlapping 1Y windows, sampled monthly across the fund’s history.

Worst falls, and the wait to get back

How far this fund has dropped from a high, and how long it took to reclaim it.

-11.5%21 Mar 2024 → 24 Sep 2025
Still below that high — 1.5 years down, and no recovery yet.

Measured on this fund’s own NAV history, peak to trough to the day it regained the peak. Falls shallower than 5% are left out. A recovery date is when the NAV got back, not when any particular investor did — that depends on when they bought.

Calendar-year returns

What the fund actually returned in each year, not the smoothed average.

Year	Fund
2026part	+2.21%
2025	-1.51%
2024	-8.16%
2023	+5.12%
2022	+1.01%
2021	+1.89%
2020	+6.45%
2019part	+4.28%

January–December, from this fund's NAV history. Absolute return, not annualised. “part” marks a year the fund didn't run end to end — its first year, the current year so far, or one it stopped reporting in.

Fund size over time

Quarterly average AUM · AMFI

₹13.60Cr

April - June 2026

-13%

since January - March 2026

Down +13% from its peak of ₹15.56Cr in January - March 2026. Size matters most where the mandate is narrow — a large small-cap or a very large flexi-cap book is harder to move without moving the price.

Backtest this fund

What a SIP or one-time investment would have grown to over this fund’s real NAV history.

Monthly investment (₹)

Period

Invested

₹6.00L

Current value

₹5.87L

Absolute

-2.15%

XIRR

-0.88%

Value vs. invested

60 monthly installments of ₹10,000 into Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt, valued at the latest NAV. XIRR annualizes for each installment’s timing.

History points

1,802

Expense ratio

AUM

Portfolio turnover

Exit load

P/E ratio

P/B ratio

Avg market cap

Taxation

Taxed as equity

This is an equity-oriented fund (≥65% in Indian equities), so gains get the concessional capital-gains rates below — they do not add to your income-tax slab.

Short-term (STCG)

20%

Held under 1 year

Flat, on the whole gain

Long-term (LTCG)

12.5%

Held 1 year or more

On gains above ₹1.25 L per financial year

Applies to capital gains on redemption. Excludes IDCW/dividend tax, STT, surcharge and cess, and pre-2018 equity grandfathering. For research only — consult a tax advisor before filing.

Peer comparison · Retirement Fund

Compare all


Aditya Birla Sun Life Retirement Fund-The 50s Plus-DebtThis fund Aditya Birla Sun Life	★★☆☆☆	-2.70%	-1.96%	-0.20%	—	2.05%	₹13.60Cr
ICICI Prudential Retirement Fund Pure Equity ICICI Prudential	★★★★★	+8.99%	+20.92%	+19.58%	28.33	2.13%	₹1,884Cr
ICICI Prudential Retirement Fund Hybrid Aggressive ICICI Prudential	★★★★★	+9.41%	+18.42%	+15.07%	29.33	2.45%	₹1,173Cr
Union Retirement Fund Union	★★★☆☆	+7.07%	+14.02%	—	25.55	2.69%	₹197.16Cr
SBI Retirement Benefit Fund - Aggressive Hybrid SBI	★★★★★	+5.54%	+10.39%	+11.79%	26.95	2.14%	₹1,564Cr
SBI Retirement Benefit Fund - Aggressive SBI	★★★★☆	+2.63%	+9.76%	+12.14%	26.99	2.07%	₹2,988Cr

Aditya Birla Sun Life in the news

Headlines about the fund house, not this scheme in particular — highlights only; tap through to read the full story at the source.

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Returns and risk are computed from NAV history and may differ slightly from other portals due to methodology (rolling vs point-to-point, dividend treatment). For research only — not investment advice.

Frequently asked questions

What is the NAV of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

As of 20 Aug 2026, the NAV of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt is ₹11.11 per unit. NAV (net asset value) is the fund's per-unit price, published once each business day.

What returns has Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt delivered?

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt has returned -2.70% over 1 year, -1.96% per year over 3 years, -0.20% per year over 5 years and +1.42% per year since inception. Figures beyond one year are annualised (CAGR) and are computed from AMFI NAV history, so they may differ slightly from other portals.

What is the expense ratio of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt charges an expense ratio of 2.05% per year. This annual fee is already deducted from the NAV, so the returns you see are net of it.

What are the top holdings of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

Its largest holdings are 6.57 GOVT. STOCK 2033 05.12.2033 (21.0%), GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 (8.7%), GOVERNMENT OF INDIA 34293 GS 06MAY2030 C STRIPS FV RS 100 (7.5%), HDFC BANK LIMITED SR V004 8.55 NCD 27MR29 FVRS10LAC (7.3%) and STATE DEVELOPMENT LOAN 36359 RAJ 28AG35 7.49 FV RS 100 (5.7%). Holdings are disclosed monthly and change over time.

How risky is Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

It is rated high on SEBI's risk-o-meter, its trailing-3Y volatility (annualised) is 6.9% and its worst peak-to-trough fall in our sample was -11.5%. Higher volatility means the NAV swings more; the drawdown shows how far it has fallen from a peak historically.

What does the Sharpe ratio of -1.23 mean?

The Sharpe ratio is return earned per unit of total risk, above a 6.5% risk-free rate. Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt's -1.23 means it has not compensated investors for its volatility over the window. Higher is better.

What is the benchmark of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt is benchmarked against the CRISIL Short-Term Bond Index. Its alpha and beta on this page are measured against that index.

Who manages Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt is managed by Harshil Suvarnkar at Aditya Birla Sun Life.

How is Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt taxed?

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt is an equity-oriented fund, so its capital gains get concessional rates: short-term gains (units held under 1 year) are taxed at 20%, and long-term gains (held 1 year or more) at 12.5% above a ₹1.25 lakh per-year exemption. These rates apply on redemption and don't add to your income-tax slab.