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

NAV as of Dec 04, 2025	Returns since inception	ET Money Rank	AUM (Fund size)
₹13.3422+0.0% 1 day change	4.35% p.a.	App exclusive #NA View Ranked Funds	₹17 Cr

Historical NAV & returns

NAV: ₹13.3422 as on Dec 04, 2025

This fund Category average

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

AUM (Fund size)	₹17 Cr
Exit load	0%
Lock-in Period	5 Years
Age	6 yrs 9 m since Feb 19, 2019
Benchmark	Crisil Short-Term Bond
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	2.07% as on Nov 30, 2025
Plan type	Regular
Risk	Moderate
Tax on your gains	Profits are added to your income and taxed as per your slab rate

Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Dec 05, 2025

Period	This fund	Category average
1 Month	0.21%	0.19%
3 Months	1.1%	0.91%
6 Months	1.07%	1.08%
1 Year	4.84%	5.17%
2 Years	5.72%	6.2%
3 Years	5.32%	5.82%
4 Years	4.19%	4.76%
5 Years	3.81%	4.35%

Asset allocationas on Oct 31, 2025

Large Cap 0%

Mid Cap 0%

Small Cap 0%

Other Cap 0%

Top holdings

Bifurcation by Holding is not available for this fund

Top sectors

Bifurcation by Sector is not available for this fund

SOV 85.10911882%

Cash & Call Money 8.65523415%

AAA 6.23564696%

Top Debt Holdings

GOI 77.42%

HDFC Bank Ltd. 6.24%

Rajasthan State 4.86%

Maharashtra State 1.51%

Allocation by Instruments

GOI Securities 77.42065915%

State Development Loan 7.68845967%

Reverse Repo 6.51458109%

Debenture 6.23564696%

Other Holdings

Others 6.51%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan	0.21%	1.07%	4.84%	5.32%	3.81%	N.A.
ICICI Prudential Retirement Fund - Pure Debt Plan	0.29%	1.14%	5.7%	6.31%	4.93%	4.31%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan	1.11	2.93	-0.86	-1.31
ICICI Prudential Retirement Fund - Pure Debt Plan	1.11	0.58	-0.03	-0.04

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan	N.A.	17 Cr	6 yrs 9 m	2.07%
ICICI Prudential Retirement Fund - Pure Debt Plan	N.A.	97 Cr	6 yrs 10 m	2.17%

View all Retirement Solutions funds

Key risk & return ratios Compared to other funds in the category

Alpha	3.99 vs. 5.73 Underperformed at beating benchmark
Sharpe	-0.86 vs. 1.83 Poor risk-adjusted returns
Beta	2.93 vs. -0.67 More sensitive to market's ups & downs
Standard deviation	1.11 vs. 1.11 More volatile performance

Compare Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan in detail with

About this fund

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

Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan is a Retirement Solutions mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 6 yrs 9 m, having been launched on 19/02/2019. Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan has ₹17 Crores worth of assets under management (AUM) as on 31/10/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan as of 04/12/2025 is ₹13.34. The fund has an expense ratio of 2.07%, which is higher than what most other Retirement Solutions funds charge.

Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan returns of last 1-year are 4.75%. Since launch, it has delivered 4.37% average annual returns.
Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is below average.
The fund's credit profile is very high indicating it has lent to borrowers whose quality is excellent. Most funds in this category lend to similar borrowers and hence the risk of default in this fund is same as the category.
The fund's top holdings are in GOI, HDFC Bank Ltd., Rajasthan State, Maharashtra State, Haryana State.

...

Fund AUM	17 Cr as on Oct 31, 2025
Scheme document	View Scheme Document

Fund managers

Harshil Suvarnkar

Mr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law. Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,

Investment objective

The Scheme seeks to invests in various debt securities and money market instruments issued by corporates and/or state and central government.

Aditya Birla Sun Life Mutual Fund details

No. of schemes	89 view all schemes
Total AUM	4,28,066 Cr as on Sep 30, 2025
Address	One World Center, Tower 1, 17th Floor, Jupiter Mill Compound Senapati Bapat Marg, Elphinstone Road Mumbai, 400013

More funds from Aditya Birla Sun Life Mutual Fund

Fund name	ETM Rank	AUM	1Y	3Y
Aditya Birla Sun Life Credit Risk Fund	N.A.	1,073 Cr	13.61%	10.78%
Aditya Birla Sun Life Medium Term Fund	N.A.	2,807 Cr	11.12%	9.46%
Aditya Birla Sun Life CRISIL IBX Gilt -Apr 2029 Index Fund	N.A.	606 Cr	8.42%	8.21%
Aditya Birla Sun Life CRISIL IBX 50:50 Gilt Plus SDL Apr 2028 Index Fund	N.A.	363 Cr	8.06%	7.85%
Aditya Birla Sun Life Corporate Bond Fund	N.A.	30,131 Cr	7.6%	7.82%
Aditya Birla Sun Life Floating Rate Fund	N.A.	13,126 Cr	7.91%	7.74%

See all Debt funds from this AMC

Frequently asked questions

What is the current NAV of Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan?

The current Net Asset Value (NAV) of the Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan plan is approximately ₹13.3422 as of Dec 04, 2025.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan is a 6 yrs 9 m old fund and has delivered average annual returns of 4.35% since inception.

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

1-Year	3-Year	5-Year	Since Inception
4.84%	5.32%	3.81%	4.35%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan has an expense ratio of 2.07%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan currently has assets under management (AUM) or fund size valued at approximately 17 Cr as on Oct 31, 2025.

To whom does Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan lend to?

The top 3 debt holdings of Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan are as follows

Holding Name	Percentage of Portfolio
GOI	77.42%
HDFC Bank Ltd.	6.24%
Rajasthan State	4.86%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	85.10911882%
Cash & Call Money	8.65523415%
AAA	6.23564696%

What is risk level of Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan?

This is a Retirement Solutions fund comes with Moderate risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 5 years.

How can I redeem my investments in Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan?

Redeeming your investments in the Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Retirement Solutions

#NA

Return Outperformance: This fund has generated highest return amongst Retirement Solutions funds in the last 3 Months .
Exit Load: This fund has no exit load.
Return/Risk: The fund is performing poorly than its category.