Aditya Birla Sun Life Retirement Fund - 50 Plus Debt · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹13.6218
as of 31 Jul 2026
Expense Ratio
2.07%
AUM
₹14 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.95%
- 3Y
- +4.94%
- 5Y
- +4.06%
- Since Inception
- +4.27%
SIP returns (XIRR)
- 1Y
- +3.61%
- 3Y
- +4.53%
- 5Y
- +4.54%
- Since Inception
- +4.26%
What history actually did — last 7 years (Aug 2019 – Jul 2026)
A ₹5,000 monthly SIP for the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹4,81,583 today — ₹4,15,000 invested, 4.3% XIRR.
₹4,15,000
Invested
₹4,81,583
Value today
4.3%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Aug 2019 – Jul 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,32,356 today (4.1% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2019 would still hold ₹8,41,976.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹4,81,583 in this fund vs ₹6,16,074 in the benchmark — underperformance of ₹1,34,491.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Aug 2019 – Jul 2026) (22 Mar 2020) would be ₹1,30,310 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-1.62
Sharpe Ratio
-0.01
Alpha
0.02
Beta
-1.62
Sortino
1.28%
Std Dev
-1.14%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Government Of India (05/12/2033)20.79%
- 2Government Of India (22/04/2064)8.50%
- 30% Goi - 06may30 Strips7.33%
- 48.55% Hdfc Bank Limited (27/03/2029) **7.23%
- 5State Government Securities (28/08/2035)5.58%
- 6State Government Securities (28/12/2026)1.79%
Investment Objective
Aditya Birla Sun Life Retirement Fund - 50 Plus Debt · Regular · Growth by Aditya Birla Sun Life Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
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?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations