Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan
- NAV as on 25 Sep 2026
- ₹13.59-0.03%1 day
- Return since launch
- 4.1%
- 52-week range
- ₹13.26 — ₹13.68
- AUM
- ₹13.73 Cr
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan is a Retirement Solutions debt fund from Aditya Birla Sun Life Mutual Fund with ₹13.73 Cr under management, launched in 2019. Over three years it has returned 3.8% a year, against 5.1% for its category. The expense ratio is 2.05% and the SEBI riskometer reading is Moderate.
Performance
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +2.4% against +2.9% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 2.1% | −0.7 pts | 2.9% | 2.7% |
| 2Y | 3.0% | +0.5 pts | 2.5% | 3.4% |
| 3Y | 3.8% | −1.3 pts | 5.1% | 4.3% |
| 5Y | 4.2% | −0.1 pts | 4.3% | 4.7% |
| 7Y | 4.0% | −5.6 pts | 9.6% | 4.6% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | -0.5% | −0.1 pts | -0.4% | -0.4% |
| 3M | -0.1% | 0.0 pts | -0.1% | -0.1% |
| 6M | 1.8% | −0.4 pts | 2.2% | 2.2% |
| 1Y | 2.4% | −0.4 pts | 2.9% | 2.8% |
| 2Y | 3.8% | +3.5 pts | 0.3% | 4.3% |
| 3Y | 4.6% | −0.4 pts | 5.1% | 5.1% |
| 5Y | 3.8% | −0.5 pts | 4.3% | 4.3% |
| 7Y | 4.0% | −6.1 pts | 10.1% | 4.8% |
Since launch (19 Feb 2019): 4.1%
Calendar-year returns
Category averageShow as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 4.8% | −1.5 pts | 6.3% |
| 2024 | 6.1% | −1.7 pts | 7.8% |
| 2023 | 5.1% | −1.6 pts | 6.7% |
| 2022 | 1.0% | −2.0 pts | 3.0% |
| 2021 | 1.9% | −2.1 pts | 4.0% |
| 2020 | 6.5% | −3.5 pts | 10.0% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.05%
Expense ratio as on 24 Sep 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 1.81%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.24%
- Exit load
- 0%
- Lock-in
- 5 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- Crisil Short-Term Bond
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Your principal is treated as being at moderate risk — typically medium duration debt and conservative hybrid schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | -0.70 | -0.06 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | -0.95 | -0.08 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 1.33 | 1.63 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 1 category peers | |||
Portfolio
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan portfolio
Portfolio as of 31 Aug 2026
Asset allocation
- Debt53.1%
- Other46.9%
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 46.90% | ₹6.44 Cr | +9.37% | +5.88% | +6.67% |
| GOI | Sovereign | 8.75% | ₹1.20 Cr | +8.50% | +9.17% | +8.62% |
| HDFC Bank Ltd. | Financial | 7.40% | ₹1.02 Cr | +7.20% | +6.40% | +6.05% |
| Rajasthan State | Others | 5.78% | ₹0.79 Cr | +5.58% | +4.95% | — |
| Maharashtra State | Others | 1.83% | ₹0.25 Cr | +1.79% | +1.56% | +1.47% |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| Others | 4.69% | 2.69% | -2.01% |
| Rajasthan State | 5.81% | 5.78% | -0.04% |
| GOI | 8.77% | 8.75% | -0.02% |
| Maharashtra State | 1.82% | 1.83% | +0.01% |
| HDFC Bank Ltd. | 7.40% | 7.40% | +0.01% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹80.34 Cr | 2.14% | 3.2% | 4.8% | 5.2% |
 ICICI Prudential Retirement Fund - Pure Debt Plan | ₹80.34 Cr | 2.14% | 3.2% | 4.8% | 5.2% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The Scheme seeks to invests in various debt securities and money market instruments issued by corporates and/or state and central government.
Fund managers
- Harshil SuvarnkarMr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law.Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months1.80% absolute | ₹60,000 | ₹61,080 | 1.80% | |
| 1 year2.43% annualised | ₹1,20,000 | ₹1,21,591 | 1.33% | |
| 3 years4.64% annualised | ₹3,60,000 | ₹3,86,953 | 7.49% | |
| 5 years3.79% annualised | ₹6,00,000 | ₹6,61,558 | 10.26% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.