Should I invest in Aditya Birla Sun Life Retirement Fund-The 50s Plan?

We don't give personal investment advice. Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.3%. 5-year CAGR: 5.54%.

Aditya Birla Sun Life

Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth

Latest NAV

₹14.8415

As of

3 Jun 2026

1,747 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

Add another fund to compare

No matches.

Compares up to 8 funds. Click any line in the legend above to hide/show it.

Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.05%	+0.28%	-0.22	16 / 18	Q4
1W	-0.55%	-1.02%	+0.46	7 / 18	Q2
2W	+0.26%	+0.18%	+0.07	7 / 18	Q2
1M	+0.08%	-0.53%	+0.61	7 / 18	Q2
3M	-0.45%	+0.13%	-0.58	7 / 18	Q2
6M	+0.07%	-2.49%	+2.56	5 / 18	Q2
YTD	+0.17%	-2.48%	+2.65	6 / 18	Q2
1Y	+2.83%	+0.11%	+2.72	3 / 18	Q1
2Y	+5.05%	+3.68%	+1.37	4 / 18	Q1
3Y	+7.44%	+10.00%	-2.55	10 / 15	Q3
4Y	+7.39%	+9.83%	-2.43	11 / 14	Q4
5Y	+5.54%	+8.12%	-2.58	12 / 14	Q4
7Y	+5.53%	+8.57%	-3.04	6 / 7	Q4
10Y	—	—	—	—	—
Inception	+5.60%	+9.30%	-3.70	16 / 18	Q4

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+0.17%	-2.48%	+2.65	6 / 18
2025	+5.45%	+4.08%	+1.37	5 / 18
2024	+9.14%	+14.07%	-4.92	14 / 16
2023	+9.78%	+18.56%	-8.78	14 / 15
2022	+1.47%	+0.25%	+1.22	5 / 14
2021	+1.94%	+12.35%	-10.41	9 / 10
2020	+7.69%	+13.17%	-5.48	9 / 10
2019	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+5.82%

76 windows

min -2.7% · max 12.8%

95% positive

3-Year rolling

+5.57%

52 windows

min 2.6% · max 9.2%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+5.66%

28 windows

min 5.0% · max 6.4%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+5.51%

3 windows

min 5.3% · max 5.7%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

4.06%

3-year · annualised

Sharpe ratio

0.19

vs risk-free 6.5%

Sortino ratio

0.33

Downside-only deviation

Max drawdown

-3.85%

Feb 2026 → Mar 2026

% positive months

77.8%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Regular Plan - Growth	SBI	₹18.5546	3 Jun 2026
Bandhan Retirement Fund - Regular Plan - Growth	Bandhan	₹12.2670	3 Jun 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	Aditya Birla Sun Life	₹21.1330	3 Jun 2026
Baroda BNP Paribas Retirement Fund - Regular plan - Growth option	Baroda BNP Paribas	₹11.0806	3 Jun 2026
PGIM India Retirement Fund - Regular Plan - Growth Option	PGIM India	₹11.5500	3 Jun 2026
Axis Retirement Fund - Aggressive Plan - Regular Growth	Axis	₹17.6100	3 Jun 2026
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	Tata	₹65.6911	3 Jun 2026
Union Retirement Fund - Regular Plan - Growth Option	Union	₹15.6500	3 Jun 2026

Recent NAVs

Date	NAV
3 Jun 2026	₹14.8415
2 Jun 2026	₹14.8438
1 Jun 2026	₹14.8360
29 May 2026	₹14.8889
27 May 2026	₹14.9255
26 May 2026	₹14.9263
25 May 2026	₹14.9153
22 May 2026	₹14.8466
21 May 2026	₹14.8271
20 May 2026	₹14.8213

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 03 Jun 2026, the NAV of Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth is ₹14.8415. It's a Retirement Fund from Aditya Birla Sun Life, run as a Regular plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth has NAV history starting from 13 Mar 2019, a track record of about 7 years 2 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth has delivered a absolute return of 2.83% — +2.72 pp ahead of the Retirement Fund category average of 0.11%. The fund ranks #3 of 18 in its category — the top (Q1) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth has delivered a CAGR of 7.44% — -2.55 pp behind the Retirement Fund category average of 10.00%. The fund ranks #10 of 15 in its category — the third (Q3) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth has delivered a CAGR of 5.54% — -2.58 pp behind the Retirement Fund category average of 8.12%. The fund ranks #12 of 14 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth exactly 5 years ago would be worth approximately ₹130,961 today — a multiplier of 1.31×, based on the 5-year CAGR of 5.54%. The category average over the same window would have grown ₹1 lakh to ₹147,754.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹701,272 today. That's an XIRR (money-weighted annualised return) of 6.17%.

Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,030,738 — XIRR 5.75%.

On a 5-year basis, Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth ranks #12 out of 14 funds in the Retirement Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.12%; this fund delivered 5.54%.

The worst peak-to-trough decline Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth has experienced over the last 5-year window is 5.25% — its NAV fell from a high on 04 Apr 2022 to a low on 17 Jun 2022. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth averaged 5.66% (best 6.37%, worst 5.04%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.25 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth returned 5.45% — beating the Retirement Fund category average of 4.08% by 1.37 pp. It ranked #5 of 18 in its category that year.

Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 5.3%. 5-year CAGR: 5.54%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Aditya Birla Sun Life Retirement Fund-The 50s Plan-Regular Plan-Growth

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Retirement Fund

Recent NAVs

Frequently asked questions

More from Aditya Birla Sun Life