Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 23
Rating
Growth Option 04-12-2025
NAV ₹13.34(R) -0.01% ₹14.53(D) -0.0%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.75% 5.32% 3.76% -% -%
Direct 5.85% 6.53% 5.03% -% -%
Nifty 500 TRI 3.82% 15.22% 17.88% 15.87% 14.96%
SIP (XIRR) Regular 3.95% 5.27% 4.02% -% -%
Direct 5.02% 6.44% 5.22% -% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
-0.08 -0.03 0.54 4.56% -0.02
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
1.13% -0.03% -0.42% 0.04 0.81%
Fund AUM As on: 30/06/2025 18 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Union Retirement Fund 4
Aditya Birla Sun Life Retirement Fund - The 40s Plan 5
Icici Prudential Retirement Fund - Hybrid Conservative Plan 6

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Regular - Payout of IDCW 10.85
0.0000
-0.0100%
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan - Direct - Payout of IDCW 11.82
0.0000
0.0000%
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Regular Plan-Growth 13.34
0.0000
-0.0100%
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan-Direct Plan-Growth 14.53
0.0000
0.0000%

Review Date: 04-12-2025

Beginning of Analysis

Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan is the 21st ranked fund in the Retirement Fund category. 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 4.56% which is higher than the category average of 3.01%. Here the fund has shown good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of -0.08 which is lower than the category average of 0.77.
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 0.28%, 1.27 and 1.5 in last one, three and six months respectively. In the same period the category average return was 0.16%, 2.59% and 3.25% respectively.
  • Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan has given a return of 5.85% in last one year. In the same period the Nifty 500 TRI return was 3.82%. The fund has given 2.03% more return than the benchmark return.
  • The fund has given a return of 6.53% in last three years and rank 26th out of 26 funds in the category. In the same period the Nifty 500 TRI return was 15.22%. The fund has given 8.69% less return than the benchmark return.
  • Aditya Birla Sun Life Retirement Fund - The 50s Plus Debt Plan has given a return of 5.03% in last five years and category average returns is 13.13% in same period. The fund ranked 21st out of 21 funds in the category. In the same period the Nifty 500 TRI return was 17.88%. The fund has given 12.85% less return than the benchmark return.
  • The fund has given a SIP return of 5.02% in last one year whereas category average SIP return is 9.57%. The fund one year return rank in the category is 27th in 29 funds
  • The fund has SIP return of 6.44% in last three years and ranks 26th in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (24.11%) in the category in last three years.
  • The fund has SIP return of 5.22% in last five years whereas category average SIP return is 11.76%.

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

  • The fund has a standard deviation of 1.13 and semi deviation of 0.81. The category average standard deviation is 8.1 and semi deviation is 5.99.
  • The fund has a Value at Risk (VaR) of -0.03 and a maximum drawdown of -0.42. The category average VaR is -9.67 and the maximum drawdown is -9.97. 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 Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.18 0.33
    0.06
    		-1.56 | 0.95 16 | 29 Good
    3M Return % 0.96 4.18
    2.30
    		-1.16 | 4.96 27 | 29 Poor
    6M Return % 1.07 4.72
    2.67
    		-0.85 | 8.07 22 | 29 Average
    1Y Return % 4.75 3.82
    3.24
    		-2.35 | 9.18 6 | 29 Very Good
    3Y Return % 5.32 15.22
    12.10
    		5.32 | 22.97 26 | 26 Poor
    5Y Return % 3.76 17.88
    11.73
    		3.76 | 24.74 21 | 21 Poor
    1Y SIP Return % 3.95
    8.32
    		2.69 | 19.96 28 | 29 Poor
    3Y SIP Return % 5.27
    11.14
    		5.27 | 22.37 26 | 26 Poor
    5Y SIP Return % 4.02
    10.42
    		4.02 | 21.43 21 | 21 Poor
    Standard Deviation 1.13
    8.10
    		1.10 | 14.70 2 | 26 Very Good
    Semi Deviation 0.81
    5.99
    		0.79 | 10.76 2 | 26 Very Good
    Max Drawdown % -0.42
    -9.97
    		-19.00 | -0.42 1 | 26 Very Good
    VaR 1 Y % -0.03
    -9.67
    		-20.07 | 0.00 2 | 26 Very Good
    Average Drawdown % -0.15
    -4.41
    		-10.34 | -0.15 1 | 26 Very Good
    Sharpe Ratio -0.08
    0.77
    		-0.08 | 1.16 26 | 26 Poor
    Sterling Ratio 0.54
    0.64
    		0.48 | 0.89 23 | 26 Poor
    Sortino Ratio -0.03
    0.37
    		-0.03 | 0.59 26 | 26 Poor
    Jensen Alpha % 4.56
    3.01
    		-0.62 | 6.00 9 | 26 Good
    Treynor Ratio -0.02
    0.12
    		-0.02 | 0.28 26 | 26 Poor
    Modigliani Square Measure % 60.59
    25.31
    		14.74 | 72.17 2 | 26 Very Good
    Alpha % -6.54
    -2.81
    		-8.18 | 6.99 24 | 26 Poor
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 0.28 0.33 0.16 -1.44 | 1.04 15 | 29 Good
    3M Return % 1.27 4.18 2.59 -0.81 | 5.33 27 | 29 Poor
    6M Return % 1.50 4.72 3.25 -0.30 | 8.81 25 | 29 Poor
    1Y Return % 5.85 3.82 4.43 -1.22 | 10.64 7 | 29 Very Good
    3Y Return % 6.53 15.22 13.39 6.53 | 24.66 26 | 26 Poor
    5Y Return % 5.03 17.88 13.13 5.03 | 26.45 21 | 21 Poor
    1Y SIP Return % 5.02 9.57 3.84 | 21.60 27 | 29 Poor
    3Y SIP Return % 6.44 12.42 6.44 | 24.11 26 | 26 Poor
    5Y SIP Return % 5.22 11.76 5.22 | 23.12 21 | 21 Poor
    Standard Deviation 1.13 8.10 1.10 | 14.70 2 | 26 Very Good
    Semi Deviation 0.81 5.99 0.79 | 10.76 2 | 26 Very Good
    Max Drawdown % -0.42 -9.97 -19.00 | -0.42 1 | 26 Very Good
    VaR 1 Y % -0.03 -9.67 -20.07 | 0.00 2 | 26 Very Good
    Average Drawdown % -0.15 -4.41 -10.34 | -0.15 1 | 26 Very Good
    Sharpe Ratio -0.08 0.77 -0.08 | 1.16 26 | 26 Poor
    Sterling Ratio 0.54 0.64 0.48 | 0.89 23 | 26 Poor
    Sortino Ratio -0.03 0.37 -0.03 | 0.59 26 | 26 Poor
    Jensen Alpha % 4.56 3.01 -0.62 | 6.00 9 | 26 Good
    Treynor Ratio -0.02 0.12 -0.02 | 0.28 26 | 26 Poor
    Modigliani Square Measure % 60.59 25.31 14.74 | 72.17 2 | 26 Very Good
    Alpha % -6.54 -2.81 -8.18 | 6.99 24 | 26 Poor
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    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
    04-12-2025 13.3422 14.5345
    03-12-2025 13.3419 14.5336
    02-12-2025 13.3432 14.5346
    01-12-2025 13.3397 14.5302
    28-11-2025 13.3467 14.5364
    27-11-2025 13.3547 14.5447
    26-11-2025 13.3559 14.5455
    25-11-2025 13.3518 14.5404
    24-11-2025 13.3467 14.5344
    21-11-2025 13.3355 14.5208
    20-11-2025 13.3375 14.5224
    19-11-2025 13.3386 14.5231
    18-11-2025 13.3371 14.521
    17-11-2025 13.3298 14.5127
    14-11-2025 13.3229 14.5036
    13-11-2025 13.3309 14.5119
    12-11-2025 13.337 14.518
    11-11-2025 13.3327 14.5128
    10-11-2025 13.3293 14.5086
    07-11-2025 13.3242 14.5016
    06-11-2025 13.3219 14.4987
    04-11-2025 13.3179 14.4933

    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.