Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-Growth
Aditya Birla Sun Life Mutual Fund
₹13.4438
₹0.01 (+0.05%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹13.4438
₹0.01 (+0.05%)
29 May 2026
AMFI: 146941
Direct · Growth
₹₹14.7221
₹0.01 (+0.06%)
29 May 2026
AMFI: 146943
Regular · IDCW
₹₹10.9352
₹0.01 (+0.05%)
29 May 2026
AMFI: 146942
Direct · IDCW
₹₹11.9734
₹0.01 (+0.06%)
29 May 2026
AMFI: 146944
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹43,000
Invested
₹49,880
Value today
4.1%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹1,344
Value today
4.2%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹4,30,000
Withdrawn
₹8,45,583
Corpus left
+₹2,75,583 net gain — withdrew ₹4,30,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹8,14,069
Value today
+0.9%
vs lumpsum
STP beat direct lumpsum by 0.9% — reduced timing risk paid off
Model your own STP with real NAVThis fund trailed its benchmark
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₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹1,28,607
Value today
1.3×
Multiple
Staying invested through that crash turned ₹1L into ₹1,28,607 — a 1.3× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 7 years
Expense ratio drag on your actual returns
Direct plan
₹51,444
Regular plan
₹49,211
Direct earns ₹2,233 more on a ₹42K investment — 0.76% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-1.92
Sharpe Ratio
-0.01
Alpha
0.02
Beta
-1.88
Sortino
1.27%
Std Dev
-1.14%
Max Drawdown
Portfolio Holdings
Top 13 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
Government of India (08/04/2026) IN0020190016 | 42.95% |
Government of India (05/12/2033) IN0020160100 | 20.96% |
Government of India (05/12/2033) IN0020160100 | 20.79% |
Government of India (22/04/2064) IN0020240035 | 8.50% |
Government of India (22/04/2064) IN0020240035 | 8.49% |
0% GOI - 06MAY30 STRIPS IN000530C021 | 7.33% |
0% GOI - 06MAY30 STRIPS IN000530C021 | 7.30% |
State Government Securities (28/08/2035) IN2920250163 | 5.65% |
State Government Securities (28/08/2035) IN2920250163 | 5.58% |
State Government Securities (28/12/2026) IN2220160120 | 1.81% |
State Government Securities (28/12/2026) IN2220160120 | 1.79% |
| Security | % NAV |
|---|---|
8.55% HDFC Bank Limited (27/03/2029) ** INE040A08724 | 7.33% |
8.55% HDFC Bank Limited (27/03/2029) ** INE040A08724 | 7.23% |
Performance Comparison
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Investment Objective
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-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-The 50s Plus-Debt Plan-Regular Plan-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 ₹16.1 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