Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 18
Rating
Growth Option 23-10-2026
NAV ₹13.49(R) -0.06% ₹14.84(D) -0.05%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 1.27% 4.48% 3.66% 3.82% -%
Direct 2.41% 5.64% 4.88% 5.12% -%
Benchmark
SIP (XIRR) Regular 0.53% 1.2% 2.43% 3.06% -%
Direct 1.66% 2.32% 3.6% 4.28% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-0.55 -0.19 0.47 -0.79% -0.19
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.31% -0.37% -0.74% 0.03 0.96%
Fund AUM As on: 30/12/2025 17 Cr
Top Retirement Fund
Fund Name Rank Rating
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan 1
ICICI Prudential Retirement Fund - Pure Equity Plan 2
Aditya Birla Sun Life Retirement Fund - The 30s Plan 3
ICICI Prudential Retirement Fund - Hybrid Conservative Plan 4
Union Retirement Fund 5
UTI Retirement Fund 6

NAV Date: 23-10-2026

Scheme Name NAV Rupee Change Percent Change
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Regular - Payout of IDCW 10.42
-0.0100
-0.0600%
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Direct - Payout of IDCW 11.47
-0.0100
-0.0500%
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-Growth 13.49
-0.0100
-0.0600%
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth 14.84
-0.0100
-0.0500%

Review Date: 23-10-2026

Beginning of Analysis

In the Retirement Fund category, Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan is the 21st ranked fund. The category has total 26 funds. The 2 star rating shows a poor past performance of the Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan in Retirement Fund. The fund has a Jensen Alpha of -0.79% which is lower than the category average of 0.09%, reflecting poor performance. The fund has a Sharpe Ratio of -0.55 which is lower than the category average of 0.38.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan Return Analysis

The Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of -0.8%, -0.47 and 1.05 in last one, three and six months respectively. In the same period the category average return was -4.86%, -4.12% and -2.17% respectively.
  • Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan has given a return of 2.41% in last one year. In the same period the Nifty 500 TRI return was -2.0%. The fund has given 4.41% more return than the benchmark return.
  • The fund has given a return of 5.64% in last three years and rank 27th out of twenty seven funds in the category. In the same period the Nifty 500 TRI return was 9.99%. The fund has given 4.35% less return than the benchmark return.
  • Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan has given a return of 4.88% in last five years and category average returns is 7.99% in same period. The fund ranked 25th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 10.13%. The fund has given 5.25% less return than the benchmark return.
  • The fund has given a SIP return of 1.66% in last one year whereas category average SIP return is -5.25%. The fund one year return rank in the category is 3rd in 29 funds
  • The fund has SIP return of 2.32% in last three years and ranks 10th in 27 funds. Aditya Birla Sun Life Retirement Fund - The 30s Plan has given the highest SIP return (8.48%) in the category in last three years.
  • The fund has SIP return of 3.6% in last five years whereas category average SIP return is 6.22%.

Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan Risk Analysis

  • The fund has a standard deviation of 1.31 and semi deviation of 0.96. The category average standard deviation is 9.64 and semi deviation is 7.17.
  • The fund has a Value at Risk (VaR) of -0.37 and a maximum drawdown of -0.74. The category average VaR is -12.9 and the maximum drawdown is -10.32. The fund has a beta of 0.04 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Retirement Fund Category
  • Good Performance in Retirement Fund Category
  • Poor Performance in Retirement Fund Category
  • Very Poor Performance in Retirement Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.89 -6.54
    -4.94
    		-9.30 | -0.89 1 | 29 Very Good
    3M Return % -0.75 -6.53
    -4.38
    		-8.00 | -0.75 1 | 29 Very Good
    6M Return % 0.48 -5.44
    -2.71
    		-7.64 | 0.96 3 | 29 Very Good
    1Y Return % 1.27 -8.97
    -4.60
    		-11.32 | 2.10 3 | 29 Very Good
    3Y Return % 4.48 9.30
    7.71
    		4.48 | 16.62 27 | 27 Poor
    5Y Return % 3.66 8.00
    6.76
    		3.66 | 14.91 25 | 25 Poor
    7Y Return % 3.82 13.52
    9.37
    		3.82 | 17.92 18 | 18 Poor
    1Y SIP Return % 0.53
    -6.31
    		-13.89 | 1.10 2 | 29 Very Good
    3Y SIP Return % 1.20
    0.65
    		-2.42 | 7.04 9 | 27 Good
    5Y SIP Return % 2.43
    5.00
    		2.20 | 12.08 24 | 25 Poor
    7Y SIP Return % 3.06
    7.85
    		3.06 | 16.95 18 | 18 Poor
    Standard Deviation 1.31
    9.65
    		1.31 | 16.38 1 | 26 Very Good
    Semi Deviation 0.96
    7.17
    		0.96 | 11.68 1 | 26 Very Good
    Max Drawdown % -0.74
    -10.32
    		-19.00 | -0.74 1 | 26 Very Good
    VaR 1 Y % -0.37
    -12.90
    		-25.74 | -0.37 1 | 26 Very Good
    Average Drawdown % 0.39
    5.15
    		0.38 | 11.62 25 | 26 Poor
    Sharpe Ratio -0.55
    0.38
    		-0.55 | 0.91 26 | 26 Poor
    Sterling Ratio 0.47
    0.51
    		0.33 | 0.81 15 | 26 Average
    Sortino Ratio -0.19
    0.18
    		-0.19 | 0.46 26 | 26 Poor
    Jensen Alpha % -0.79
    0.09
    		-3.62 | 6.21 19 | 26 Average
    Treynor Ratio -0.19
    0.07
    		-0.19 | 0.19 26 | 26 Poor
    Modigliani Square Measure % -8.49
    5.75
    		-8.49 | 14.04 26 | 26 Poor
    Alpha % -8.30
    -3.60
    		-9.58 | 8.09 24 | 26 Poor
    Return data last Updated On : Oct. 23, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

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    KPIs* Fund Benchmark Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.80 -6.54 -4.86 -9.19 | -0.80 1 | 29 Very Good
    3M Return % -0.47 -6.53 -4.12 -7.67 | -0.47 1 | 29 Very Good
    6M Return % 1.05 -5.44 -2.17 -7.20 | 1.61 3 | 29 Very Good
    1Y Return % 2.41 -8.97 -3.53 -10.44 | 3.47 3 | 29 Very Good
    3Y Return % 5.64 9.30 8.93 5.64 | 18.24 27 | 27 Poor
    5Y Return % 4.88 8.00 7.99 4.88 | 16.49 25 | 25 Poor
    7Y Return % 5.12 13.52 10.72 5.12 | 19.64 18 | 18 Poor
    1Y SIP Return % 1.66 -5.25 -13.05 | 2.04 3 | 29 Very Good
    3Y SIP Return % 2.32 1.81 -1.45 | 8.48 10 | 27 Good
    5Y SIP Return % 3.60 6.22 3.50 | 13.69 23 | 25 Poor
    7Y SIP Return % 4.28 9.19 4.28 | 18.66 18 | 18 Poor
    Standard Deviation 1.31 9.65 1.31 | 16.38 1 | 26 Very Good
    Semi Deviation 0.96 7.17 0.96 | 11.68 1 | 26 Very Good
    Max Drawdown % -0.74 -10.32 -19.00 | -0.74 1 | 26 Very Good
    VaR 1 Y % -0.37 -12.90 -25.74 | -0.37 1 | 26 Very Good
    Average Drawdown % 0.39 5.15 0.38 | 11.62 25 | 26 Poor
    Sharpe Ratio -0.55 0.38 -0.55 | 0.91 26 | 26 Poor
    Sterling Ratio 0.47 0.51 0.33 | 0.81 15 | 26 Average
    Sortino Ratio -0.19 0.18 -0.19 | 0.46 26 | 26 Poor
    Jensen Alpha % -0.79 0.09 -3.62 | 6.21 19 | 26 Average
    Treynor Ratio -0.19 0.07 -0.19 | 0.19 26 | 26 Poor
    Modigliani Square Measure % -8.49 5.75 -8.49 | 14.04 26 | 26 Poor
    Alpha % -8.30 -3.60 -9.58 | 8.09 24 | 26 Poor
    Return data last Updated On : Oct. 23, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : June 30, 2026
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan NAV Regular Growth Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan NAV Direct Growth
    23-10-2026 13.4922 14.8429
    22-10-2026 13.4998 14.8508
    21-10-2026 13.5128 14.8646
    19-10-2026 13.5276 14.8799
    16-10-2026 13.5192 14.8694
    15-10-2026 13.5174 14.8669
    14-10-2026 13.5124 14.8609
    13-10-2026 13.5349 14.8852
    12-10-2026 13.5347 14.8845
    09-10-2026 13.5584 14.9092
    08-10-2026 13.5575 14.9078
    07-10-2026 13.5671 14.9179
    06-10-2026 13.5712 14.9219
    05-10-2026 13.5703 14.9205
    01-10-2026 13.5659 14.9137
    30-09-2026 13.574 14.9221
    29-09-2026 13.5722 14.9197
    28-09-2026 13.5647 14.911
    25-09-2026 13.586 14.933
    24-09-2026 13.5902 14.9372
    23-09-2026 13.6135 14.9623

    Fund Launch Date: 19/Feb/2019
    Fund Category: Retirement Fund
    Investment Objective: The primary investment objective of the Scheme is income generation and capital appreciation for its investors which will be in line with theirretirement goals by investing in a mix of equity, equity related instruments along with debt and money market instruments. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes ™ objectives will be achieved.
    Fund Description: An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier)
    Fund Benchmark: CRISIL Short Term Bond Fund Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.