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

We don't give personal investment advice. Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct 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: 2.3%. 5-year CAGR: 5.28%.

Aditya Birla Sun Life

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

Latest NAV

₹14.9300

As of

17 Jul 2026

1,778 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

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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	-0.02%	+0.15%	-0.17	28 / 30	Q4
1W	-0.06%	-0.05%	0.00	14 / 30	Q2
2W	+0.02%	+0.24%	-0.22	22 / 30	Q3
1M	+0.68%	+1.44%	-0.76	29 / 30	Q4
3M	+1.66%	+2.97%	-1.31	25 / 30	Q4
6M	+2.45%	+2.28%	+0.18	11 / 30	Q2
YTD	+2.46%	+1.24%	+1.22	11 / 30	Q2
1Y	+4.07%	+2.97%	+1.11	12 / 30	Q2
2Y	+5.86%	+4.32%	+1.53	7 / 30	Q1
3Y	+6.08%	+11.33%	-5.25	27 / 27	Q4
4Y	+6.18%	+12.57%	-6.39	26 / 26	Q4
5Y	+5.28%	+10.51%	-5.23	26 / 26	Q4
7Y	+5.42%	+11.63%	-6.21	19 / 19	Q4
10Y	—	—	—	—	—
Inception	+5.59%	+11.61%	-6.01	30 / 30	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	+2.46%	+1.24%	+1.22	11 / 30
2025	+5.92%	+5.89%	+0.04	14 / 30
2024	+7.39%	+15.71%	-8.32	28 / 28
2023	+6.38%	+21.10%	-14.73	27 / 27
2022	+2.32%	+2.72%	-0.41	17 / 26
2021	+3.28%	+18.09%	-14.82	22 / 22
2020	+7.74%	+13.07%	-5.33	20 / 22
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

+5.52%

78 windows

min 1.0% · max 8.6%

100% positive

3-Year rolling

+5.20%

54 windows

min 3.8% · max 7.1%

100% positive

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

5-Year rolling

+5.32%

29 windows

min 5.1% · max 5.7%

100% positive

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

7-Year rolling

+5.50%

5 windows

min 5.4% · max 5.6%

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

1.16%

3-year · annualised

Sharpe ratio

-0.48

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.07%

Mar 2026 → Apr 2026

% positive months

94.4%

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
HDFC Retirement Savings Fund - Equity Plan - Growth Option - Direct Plan	HDFC	₹55.9750	17 Jul 2026
Nippon India Retirement Fund- Income Generation Scheme- Direct Plan- Growth Plan - Growth Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Growth	SBI	₹20.6550	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - Growth	Bandhan	₹13.2520	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct Growth	Aditya Birla Sun Life	₹25.1110	17 Jul 2026
Franklin India Retirement Fund - Direct - Growth	Franklin India	₹241.8786	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - Growth option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - Growth Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Growth	Axis	₹20.3300	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹14.9300
16 Jul 2026	₹14.9328
15 Jul 2026	₹14.9226
14 Jul 2026	₹14.9088
13 Jul 2026	₹14.9344
10 Jul 2026	₹14.9385
9 Jul 2026	₹14.9276
8 Jul 2026	₹14.9182
7 Jul 2026	₹14.9386
6 Jul 2026	₹14.9381

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 17 Jul 2026, the NAV of Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth is ₹14.9300. It's a Retirement Fund from Aditya Birla Sun Life, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth has NAV history starting from 13 Mar 2019, a track record of about 7 years 4 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 Plus-Debt Plan-Direct 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 Plus-Debt Plan-Direct Plan-Growth has delivered a absolute return of 4.07% — +1.11 pp ahead of the Retirement Fund category average of 2.97%. The fund ranks #12 of 30 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth has delivered a CAGR of 6.08% — -5.25 pp behind the Retirement Fund category average of 11.33%. The fund ranks #27 of 27 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth has delivered a CAGR of 5.28% — -5.23 pp behind the Retirement Fund category average of 10.51%. The fund ranks #26 of 26 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth exactly 5 years ago would be worth approximately ₹129,349 today — a multiplier of 1.29×, based on the 5-year CAGR of 5.28%. The category average over the same window would have grown ₹1 lakh to ₹164,843.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹694,246 today. That's an XIRR (money-weighted annualised return) of 5.77%.

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct 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 ₹1,021,883 — XIRR 5.51%.

On a 5-year basis, Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth ranks #26 out of 26 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 10.51%; this fund delivered 5.28%.

The worst peak-to-trough decline Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth has experienced over the last 5-year window is 2.26% — its NAV fell from a high on 31 Mar 2022 to a low on 09 May 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 Plus-Debt Plan-Direct Plan-Growth averaged 5.32% (best 5.67%, worst 5.05%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.84 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth returned 5.92% — beating the Retirement Fund category average of 5.89% by 0.04 pp. It ranked #14 of 30 in its category that year.

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct 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 Plus-Debt Plan-Direct 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: 2.3%. 5-year CAGR: 5.28%.

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 Plus-Debt Plan-Direct 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

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