Closed to new subscriptions
SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansAditya Birla Sun Life Retirement Fund - 50 Plus Debt · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹13.5740
as of 30 Sept 2026
Expense Ratio
2.07%
AUM
₹14 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.39%
- 3Y
- +4.64%
- 5Y
- +3.79%
- Since Inception
- +4.13%
SIP returns (XIRR)
- 1Y
- +2.16%
- 3Y
- +3.78%
- 5Y
- +4.15%
- Since Inception
- +3.99%
What history actually did — last 7 years (Oct 2019 – Sept 2026)
A ₹5,000 monthly SIP for the last 7 years (Oct 2019 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,76,715 today — ₹4,15,000 invested, 4.0% XIRR.
₹4,15,000
Invested
₹4,76,715
Value today
4.0%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Oct 2019 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,31,126 today (4.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Oct 2019 would still hold ₹8,34,542.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹4,76,715 in this fund vs ₹5,59,748 in the benchmark — underperformance of ₹83,033.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Oct 2019 – Sept 2026) (22 Mar 2020) would be ₹1,29,852 today (1.30×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-2.35
Sharpe Ratio
-0.02
Alpha
0.02
Beta
-2.29
Sortino
1.33%
Std Dev
-1.14%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Government Of India (05/12/2033)21.61%
- 2Government Of India (22/04/2064)8.75%
- 30% Goi - (06/05/2030) Strips7.73%
- 48.55% Hdfc Bank Ltd. (27/03/2029) **7.40%
- 5State Government Securities (28/08/2035)5.78%
- 6State Government Securities (28/12/2026)1.83%
Investment objective — in the AMC’s words
The primary investment objective of the Scheme is income generation and capital appreciation for its investors which will be in line with their retirement goals by investing in debt and money market instruments.
About This Fund
Aditya Birla Sun Life Retirement Fund - 50 Plus Debt · Regular · Growth is a Retirement Fund mutual fund offered by Aditya Birla Sun Life Mutual Fund. The fund has been operational for over 7 years. It manages assets worth ₹14.1 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Short Term Bond Fund Index. The current expense ratio is 2.07%.
Who Should Invest?
- •Moderate-risk investors looking for balanced growth and income
- •Investors with a medium-term horizon of 3-5 years
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations