MonitorDirect · GrowthWatch before adding
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
Aditya Birla Sun Life Mutual FundSolution Oriented Scheme - Retirement Fund7.6 years
- NAV
- 16.5044
- 29 Oct 2026
- 1Y
- +1.6%
- Trailing CAGR
- AUM
- ₹26.62 Cr
- 30 Sept 2026
- Volatility
- Low
- 3.2% annualized
Buying brief
Should you add this fund?
Evidence on this desk, framed as a purchase checklist - not SEBI-registered advice.
As of 29 Oct 2026
Stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
In three lines
Fits if · Peak-to-trough drawdown has stayed shallower than 15%.
Prefer peers if · Prefer ICICI Prudential Retirement Fund Pure Debt Plan if you want a same-category peer with stronger evidence.
Buy checklist
History depth
Pass
7.6 years of path to read.
Engine status
Watch
Recent evidence is mixed. Compare peers before increasing exposure.
Expense ratio
Pass
0.91% TER (Direct). Lower cost compounds on long SIPs.
Drawdown vs peers
Pass
Peak-to-trough -5.0%. Ask whether you can hold through a similar fall.
Vs category
Fail
0% of rolling 3Y windows beat the category median, same plan and option.
Manager tenure
n/a
Manager not listed.
Exit load
n/a
No exit-load summary on file.
Tax / wrapper
Pass
Direct Growth, no ELSS lock flagged. Equity LTCG rules still apply after one year - not tax advice.
Portfolio concentration
Watch
Top 10 holdings ≈ 79.8% of the portfolio.
Browse category
Same-category peers are preloaded into compare when available.
Before you buy or SIP
Behaviour and wrappers - the usual India MF failure modes - not a buy instruction.
SIP discipline
Monitor is recent mixed evidence - keep the SIP unless the buying brief says prefer peers, then swap with intent.
NAV
Path not in current snapshots
n/a
Returns
Trailing CAGR and simulated monthly SIP XIRR from daily NAV. Category comparison uses the median of comparable share classes in the peer set.
Trailing CAGR
Point-to-point, calendar-day annualized
- 1Y+1.6%
- 3Y+7.8%
- 5Y+6.7%
- 10Yn/a
- SI+6.8%
SIP XIRR
Equal monthly instalments to latest NAV
- 1Y+1.0%
- 3Y+5.1%
- 5Y+6.8%
- 10Yn/a
- Since inception
- +6.8%
- Calendar-day CAGR
- Excess 1Y
- +4.1%
- Category median, same plan and option
- 3Y win rate
- 0%
- Windows beating the median
- 3Y percentile
- 32
- Vs comparable share classes
- SIP 3Y XIRR
- +5.1%
- Simulated monthly SIP
- Worst rolling 3Y
- +3.8%
- 1123 daily-ending windows
- Median rolling 3Y
- +7.6%
- Calendar-day CAGR
- Positive rolling 5Y
- +100%
- 639 daily-ending windows
Drawdown
Peak to trough from a running NAV high, with the path and recovery episodes.
- Max drawdown
- -5.0%
- Worst peak-to-trough
- Current
- -2.6%
- Below last peak
- Current spell
- 73 days
- Days below latest peak
- Time below peak
- +71%
- NAV observations
Drawdown
Path not in current snapshots
n/a
- Average recovery
- 7 days
- 167 recovered episodes
- Longest recovery
- 74 days
- Trough to prior peak
4 Apr 2022 – 17 Aug 2022
Trough 17 Jun 2022 · recovered in 61 days
-5.0%
23 Feb 2026 – 12 Jun 2026
Trough 30 Mar 2026 · recovered in 74 days
-3.7%
17 Aug 2026 – open
Trough 23 Oct 2026 · not recovered
-3.5%
16 Dec 2024 – 16 Apr 2025
Trough 28 Feb 2025 · recovered in 47 days
-3.1%
Dimensions
0–100 reads of named metrics. The mean is unweighted and only uses dimensions with data.
Returns
32
Vs category
76
Consistency
18
Risk-adjusted
40
Drawdown
88
Mean
50
Decision
Quantitative engine reasons behind the buying stance. An explanation can only restate what is already here.
Monitor
Buying stance
Watch before adding
Recent evidence is mixed. Compare peers before increasing exposure.
Why this status
No status reasons yet. History is still thin.
Supporting reads
- Peak-to-trough drawdown has stayed shallower than 15%.
Portfolio
30 Sept 2026 · 47 holdings · top 10 are 79.8%.
- Top 5
- 68.8%
- Top 10
- 79.8%
- Largest holding
- 29.3%
- Effective holdings
- 7.0
Repo
Unspecified
29.3%
GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100
Entities
19.7%
GOVERNMENT OF INDIA 32584 GOI 06FB33 7.26 FV RS 100
Entities
8.5%
HDFC BANK LIMITED SR V004 8.55 NCD 27MR29 FVRS10LAC
Financial
7.6%
6.57 GOVT. STOCK 2033 05.12.2033
Entities
3.6%
What changed
RENAME
Aditya Birla Sun Life Retirement Fund-The 50s Plan renamed to Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
28 Oct 2026
RENAME
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan renamed to Aditya Birla Sun Life Retirement Fund-The 50s Plan
28 Oct 2026
RENAME
Scheme renamed from Aditya Birla Sun Life Retirement Fund-The 50s Plan to Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan.
28 Oct 2026
RENAME
Scheme renamed from Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan to Aditya Birla Sun Life Retirement Fund-The 50s Plan.
28 Oct 2026
RENAME
Aditya Birla Sun Life Retirement Fund-The 50s Plan renamed to Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
27 Oct 2026
RENAME
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan renamed to Aditya Birla Sun Life Retirement Fund-The 50s Plan
27 Oct 2026
RENAME
Scheme renamed from Aditya Birla Sun Life Retirement Fund-The 50s Plan to Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan.
27 Oct 2026
RENAME
Scheme renamed from Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan to Aditya Birla Sun Life Retirement Fund-The 50s Plan.
27 Oct 2026
RENAME
Aditya Birla Sun Life Retirement Fund-The 50s Plan renamed to Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan
26 Oct 2026
RENAME
Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan renamed to Aditya Birla Sun Life Retirement Fund-The 50s Plan
26 Oct 2026
RENAME
Scheme renamed from Aditya Birla Sun Life Retirement Fund-The 50s Plan to Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan.
26 Oct 2026
RENAME
Scheme renamed from Aditya Birla Sun Life Retirement Fund-The 50s Plus-Debt Plan to Aditya Birla Sun Life Retirement Fund-The 50s Plan.
26 Oct 2026
Worth investigating
Same-category peers with enough history to inspect beside this fund - including tradeoffs.
ICICI Prudential Retirement Fund Pure Debt Plan
ICICI Prudential Mutual Fund
- 1Y
- +3.1%
- 3Y
- +6.3%
- Vol
- 1.8%
- Max DD
- -2.7%
- Sharpe
- 0.76
- 3Y win
- +2%
- Lower volatility
- Shallower drawdown
- Higher win rate vs category
Caveat: Higher TER · Lower trailing returns
Tata Retirement Savings Fund-Moderate Plan
Tata Mutual Fund
- 1Y
- -1.0%
- 3Y
- +11.4%
- Vol
- 12.9%
- Max DD
- -29.6%
- Sharpe
- 0.68
- 3Y win
- +97%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Tata Retirement Savings Fund-Progressive Plan
Tata Mutual Fund
- 1Y
- -1.5%
- 3Y
- +11.9%
- Vol
- 15.3%
- Max DD
- -34.2%
- Sharpe
- 0.60
- 3Y win
- +97%
- Higher win rate vs category
- Lower TER
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown
Aditya Birla Sun Life Retirement Fund-The 30s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- +6.4%
- 3Y
- +16.2%
- Vol
- 15.7%
- Max DD
- -34.2%
- Sharpe
- 0.46
- 3Y win
- +94%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER
Aditya Birla Sun Life Retirement Fund-The 40s Plan
Aditya Birla Sun Life Mutual Fund
- 1Y
- -4.2%
- 3Y
- +10.7%
- Vol
- 12.1%
- Max DD
- -27.3%
- Sharpe
- 0.38
- 3Y win
- +43%
- Higher win rate vs category
- Higher trailing returns
Caveat: Higher volatility · Deeper drawdown · Higher TER