Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt
Retirement Fund · Aditya Birla Sun Life AMC Limited
Among the 106 similar retirement funds we track, most others have grown money faster than this one. ₹1 lakh invested 5 years ago would be about ₹1.3 lakh today. Investing ₹10,000 every month for the last 5 years would have put in ₹6.1 lakh and grown it to about ₹7 lakh. Be warned: in its worst stretch, ₹1 lakh briefly shrank to about ₹97,740. Its ride has historically been comparatively steady.
New to fund research? Start with the 5-minute guide. The detailed numbers below back all of this up.Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt is a retirement fund from Aditya Birla Sun Life AMC Limited. It has a track record of about 7.5 years. As of the latest data it carries an RS rating of 56/99 (its recent momentum versus category peers) and a King Score of 55/100 (a long-term quality composite). The current NAV is ₹14.94 (as of 2026-09-16).
Growth of ₹100 - last 5 years
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt returns: last 1, 3, 5 and 10 years
| Period | This fund | Category average |
|---|---|---|
| 1 month | -0.51% | -2.95% |
| 3 months | 0.83% | 0.53% |
| 6 months | 1.77% | 4.58% |
| 1 year | 3.95% | 1.68% |
| 3 years (CAGR) | 5.91% | 9.28% |
| 5 years (CAGR) | 5.01% | 8.86% |
The last 5 years return is 5.01% a year (₹1 lakh → ₹1.3 lakh), and the last 3 years return is 5.91% - behind its category's 9.28% average by 3.4 points. Its trailing one-year return is 3.95%. Trailing returns flatter or disappoint depending on the end date you pick - the year-by-year and rolling-return sections below are a fairer read.
Year-by-year returns
| Year | Aditya Birla Sun Life | Benchmark |
|---|---|---|
| 2020 | +7.9% | +16.7% |
| 2021 | +3.3% | +30.2% |
| 2022 | +2.3% | +3.0% |
| 2023 | +6.4% | +25.8% |
| 2024 | +7.4% | +15.2% |
| 2025 | +5.9% | +6.7% |
| 2026 | +2.5% | -5.8% |
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt beat its benchmark in 1 of the last 7 calendar years. A below-par hit-rate versus its own index is worth weighing against its other strengths. Consistency against the benchmark matters more than any single great year.
Calendar-year returns show how bumpy the ride really was - an average hides the good years and the ugly ones.
What a monthly SIP in Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt would have made
A ₹10,000-a-month SIP, using this fund's actual NAV history. SIP returns (XIRR) differ from lumpsum CAGR because your money goes in gradually, averaging your entry price.
| SIP duration | You invested | It became | XIRR |
|---|---|---|---|
| 3 years | ₹370,000 | ₹400,071 | 5.14% |
| 5 years | ₹610,000 | ₹700,413 | 5.47% |
Over 5 years, ₹610,000 invested in monthly instalments would have grown to about ₹700,413 - an XIRR of 5.47%. Figures are pre-tax and assume you stayed invested throughout.
Risk & drawdowns
| Measure | This fund | Category average |
|---|---|---|
| Worst drawdown (lifetime) | -2.26% | -18.9% |
| Worst drawdown (3Y) | -1.07% | -10.88% |
| Volatility (1Y) | 1.73% | 11.28% |
| Sharpe (3Y) | -0.49 | 0.22 |
| Sortino (3Y) | -0.72 | 0.42 |
| Beta (3Y) | 0.04 | 0.61 |
| Alpha (3Y) | -0.73% | 1.79% |
| Up capture | 10.8% | 66.1% |
| Down capture | -3.2% | 55.59% |
| Bull-market return | 6.0% | 20.14% |
| Bear-market return | 6.2% | -15.38% |
Timing matters more than people admit: the best possible 1-year stretch in Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt (starting 2024-05-21) gained 8.7%, while the worst (starting 2021-06-11) still made 0.5%. The worst peak-to-bottom fall Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt has ever put investors through is -2.26% - the real test of whether you'd have stayed invested. In falling markets (Nifty below its 200-day average) it has returned about 6.2% annualised, versus 6.0% in rising markets. It has captured roughly 10.8% of its benchmark's up-moves and -3.2% of its down-moves.
How Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt behaves when markets fall
When the market is falling (the Nifty below its 200-day average), Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt has historically returned about 6.2% annualised, versus roughly 6.0% when the market is rising. Its deepest fall on record is -2.26%. Right now it sits about 0.51% below its all-time high (last hit 2026-08-14). The real question isn't the average year - it's whether you could hold on through the worst one.
How Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt ranks in its category
Percentile versus its ~106 category peers - 100th is best-in-class, 50th is average. This is the fairest apples-to-apples read.
Consistency (rolling returns)
| Measure | Value |
|---|---|
| Median 3Y rolling CAGR | 4.93% |
| 3Y windows positive | 100.0% |
| Worst 3Y window | 3.73% |
| 3Y windows beating Nifty 500 | 0.0% |
| Median 5Y rolling CAGR | 5.29% |
Instead of one lucky start date, rolling returns test every start date. Across all 3-year windows in its history, Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt returned a median of 4.93% a year, and 100.0% of those windows were positive.
Cost & fund basics
| Detail | Value |
|---|---|
| Exit load | ≈1% if redeemed within 1 year (typical) |
| Minimum investment | ₹1000 |
| Fund size (AUM) | ₹14 Cr |
| Age | 7.5 years |
| Plan / Option | Direct · Growth |
| Benchmark | NIFTY500 |
How Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt compares to peers
| Fund | RS | King | 3Y CAGR |
|---|---|---|---|
| ICICI Prudential Retirement Fund - Hybrid Conservative | 77 | 84 | 9.6% |
| ICICI Prudential Retirement Fund - Hybrid Aggressive | 85 | 79 | 16.4% |
| ICICI Prudential Retirement Fund - Pure Equity | 81 | 78 | 18.6% |
| Aditya Birla Sun Life Retirement Fund-The 50s | 66 | 76 | 7.9% |
| Union Retirement Fund | 70 | 73 | 11.9% |
| Tata Retirement Savings Fund- Conservative | 79 | 72 | 7.6% |
Overlap warning: funds in the same category often own many of the same stocks - holding several rarely adds the diversification people expect.
What these numbers mean
RS rating (1-99) ranks a fund's recent momentum against its category - higher is stronger right now. King Score (0-100) is a long-term quality composite (returns, consistency, drawdown, risk-adjusted return) versus peers. Max drawdown is the worst peak-to-bottom fall the fund has ever experienced. Rolling returns test every possible start date, so one lucky (or unlucky) entry point can't distort the picture. Every formula behind this page is public - see how we calculate every number.
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt review: the bottom line
Related
Frequently asked questions
Is Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt a good mutual fund?
That depends on your goals and risk tolerance - this is descriptive research, not advice. On the numbers, Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt scores 55/100 on our King Score and RS 56/99 within its category, has compounded 5.91% a year over three years, and its worst drawdown was -2.26%. Compare those against your needs and the peer table above.
What is the NAV of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt today?
The latest NAV is ₹14.94 (as of 2026-09-16). NAV (net asset value) is the per-unit price of the fund, published every business day by the AMC.
Is Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt safe? How risky is it?
No market-linked fund is 'safe' in the fixed-deposit sense - the honest question is how deep its falls get. Its worst historical drawdown was -2.26% - ₹1 lakh briefly becoming about ₹97,740. As a solution fund, its risk profile is typical of that category. Look at the drawdown, volatility and bear-market figures above and ask whether you could stay invested through the bad stretches.
Is Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt good for SIP?
We can't tell you what to do, but here is what actually happened: a ₹10,000 monthly SIP over the last 5 years grew ₹6.1 lakh into about ₹7 lakh (XIRR 5.47%). SIPs average your entry price, which helps most in funds that swing hard - check the crash-behaviour section above to see how it treats investors in bad markets.
What are the SIP returns of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt?
A ₹10,000/month SIP over 5 years would have grown to about ₹700,413 (an XIRR of 5.47%) on ₹610,000 invested, using the fund's actual NAV history. See the SIP table above for other durations.
How does Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt rank among similar funds?
On 3-year returns it sits around the 28th percentile of its category, and its consistency ranks 95th percentile. 100th is best-in-class, 50th is average. See the category-ranking section above.
Is Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt tax-efficient / what about capital gains?
As a solution fund, gains follow the rules for its asset class - equity-oriented funds are taxed differently from debt. All returns on this page are pre-tax; your actual post-tax return depends on your holding period and slab. This is descriptive information, not tax advice.
Direct or Regular plan - which is shown here?
All figures on this page are for the Direct-Growth plan (no distributor commission, lower cost). Returns are pre-tax; capital-gains tax depends on your own holding period and slab.
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Data: AMFI NAV history, NSE indices, BSE StAR and monthly disclosures. All figures are pre-tax. Descriptive research and education only - nothing here is investment advice or a recommendation to buy, sell or hold any fund. Past performance does not guarantee future returns.