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-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: 2.4%. 5-year CAGR: 4.05%.

Aditya Birla Sun Life

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

Latest NAV

₹13.6129

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%	+0.13%	-0.15	17 / 18	Q4
1W	-0.08%	-0.10%	+0.02	7 / 18	Q2
2W	-0.02%	+0.25%	-0.27	16 / 18	Q4
1M	+0.58%	+1.54%	-0.96	18 / 18	Q4
3M	+1.43%	+3.45%	-2.02	17 / 18	Q4
6M	+1.91%	+2.40%	-0.49	9 / 18	Q2
YTD	+1.87%	+1.18%	+0.69	8 / 18	Q2
1Y	+2.88%	+2.15%	+0.73	7 / 18	Q2
2Y	+4.70%	+3.25%	+1.45	3 / 18	Q1
3Y	+4.91%	+9.84%	-4.93	15 / 15	Q4
4Y	+4.98%	+10.64%	-5.66	14 / 14	Q4
5Y	+4.05%	+8.44%	-4.40	14 / 14	Q4
7Y	+4.11%	+9.49%	-5.38	7 / 7	Q4
10Y	—	—	—	—	—
Inception	+4.28%	+9.91%	-5.63	18 / 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	+1.87%	+1.18%	+0.69	8 / 18
2025	+4.83%	+4.08%	+0.75	9 / 18
2024	+6.15%	+14.07%	-7.92	16 / 16
2023	+5.10%	+18.56%	-13.46	15 / 15
2022	+1.01%	+0.25%	+0.76	6 / 14
2021	+1.89%	+12.35%	-10.46	10 / 10
2020	+6.34%	+13.17%	-6.82	10 / 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

+4.21%

78 windows

min -0.4% · max 7.3%

96% positive

3-Year rolling

+3.89%

54 windows

min 2.5% · max 5.8%

100% positive

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

5-Year rolling

+4.01%

29 windows

min 3.8% · max 4.3%

100% positive

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

7-Year rolling

+4.19%

5 windows

min 4.1% · max 4.3%

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

1.14%

3-year · annualised

Sharpe ratio

-1.46

vs risk-free 6.5%

Sortino ratio

—

Downside-only deviation

Max drawdown

-1.14%

Mar 2026 → Apr 2026

% positive months

88.9%

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	₹19.4111	17 Jul 2026
Bandhan Retirement Fund - Regular Plan - Growth	Bandhan	₹12.6600	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Regular Growth	Aditya Birla Sun Life	₹22.4660	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Regular plan - Growth option	Baroda BNP Paribas	₹11.5445	17 Jul 2026
PGIM India Retirement Fund - Regular Plan - Growth Option	PGIM India	₹12.2300	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Regular Growth	Axis	₹18.4200	17 Jul 2026
Tata Retirement Savings Fund - Progressive Plan -Regular Plan-Growth Option	Tata	₹68.3290	17 Jul 2026
Union Retirement Fund - Regular Plan - Growth Option	Union	₹16.5200	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹13.6129
16 Jul 2026	₹13.6158
15 Jul 2026	₹13.6070
14 Jul 2026	₹13.5948
13 Jul 2026	₹13.6186
10 Jul 2026	₹13.6236
9 Jul 2026	₹13.6141
8 Jul 2026	₹13.6059
7 Jul 2026	₹13.6250
6 Jul 2026	₹13.6249

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-Regular Plan-Growth is ₹13.6129. 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 Plus-Debt Plan-Regular 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-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 Plus-Debt Plan-Regular Plan-Growth has delivered a absolute return of 2.88% — +0.73 pp ahead of the Retirement Fund category average of 2.15%. The fund ranks #7 of 18 in its category — the second (Q2) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-Growth has delivered a CAGR of 4.91% — -4.93 pp behind the Retirement Fund category average of 9.84%. The fund ranks #15 of 15 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-Growth has delivered a CAGR of 4.05% — -4.4 pp behind the Retirement Fund category average of 8.44%. The fund ranks #14 of 14 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-Growth exactly 5 years ago would be worth approximately ₹121,947 today — a multiplier of 1.22×, based on the 5-year CAGR of 4.05%. The category average over the same window would have grown ₹1 lakh to ₹149,979.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-Growth over the last 5 years — total invested ₹600,000 — would be worth ₹673,827 today. That's an XIRR (money-weighted annualised return) of 4.59%.

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt 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 ₹978,194 — XIRR 4.29%.

On a 5-year basis, Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-Growth ranks #14 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 8.44%; this fund delivered 4.05%.

The worst peak-to-trough decline Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-Growth has experienced over the last 5-year window is 2.40% — its NAV fell from a high on 18 Feb 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-Regular Plan-Growth averaged 4.01% (best 4.33%, worst 3.79%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -1.61 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-Growth returned 4.83% — beating the Retirement Fund category average of 4.08% by 0.75 pp. It ranked #9 of 18 in its category that year.

Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt 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 Plus-Debt 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: 2.4%. 5-year CAGR: 4.05%.

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-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

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