Aditya Birla Sun Life Retirement Fund - The 50s Plus - Debt Plan Regular-Growth
Debt: Short TermModerate Risk
PaisaSmart rating★★★★★1
The fund is rated 1 star. Taken together, the fund's latest one-year return of 4.58% and annual fee of 2.05% place it behind most similar funds.
Why this rating
This fund's 1.0 star rating reflects 1-Year Rolling Return of 4.576% and Expense Ratio of 2.05%, key parameters in our evaluation.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 7 Oct 2026
1W
-0.05%
1M
-0.52%
3M
-0.43%
6M
+1.76%
9M
+1.50%
1Y
+2.04%
2Y
+3.68%
3Y
+4.71%
4Y
+4.81%
5Y
+3.77%
7Y
+3.94%
Since launch
+4.11%
Risk ratios
As of 30 Sep 2026
Standard deviation
1.41
Sharpe ratio
-0.76
Sortino ratio
-1.02
Beta
1.19
Alpha
1.13
R-squared
0.28
Treynor ratio
-0.88
Information ratio
0.89
Mean
4.55
Debt metrics
Average maturity
5.99 yrs
Duration
3.13 yrs
Macaulay duration
3.25 yrs
Yield to maturity
6.20%
Portfolio
As of 30 Sep 2026
Holdings (7)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| Others | 45.15% | ₹6.12 Cr | — |
| GOICoupon 6.57% · Maturity 05/12/2033 · Rating SOV | 21.46% | ₹2.91 Cr | 3,00,000 |
| GOICoupon 7.34% · Maturity 22/04/2064 · Rating SOV | 8.77% | ₹1.19 Cr | 1,25,000 |
| GOIMaturity 06/05/2030 · Rating SOV | 7.78% | ₹1.06 Cr | 1,35,500 |
| HDFC Bank Ltd.Coupon 8.55% · Maturity 27/03/2029 · Rating CRISIL AAA | 7.46% | ₹1.01 Cr | 10 |
| Rajasthan StateCoupon 7.49% · Maturity 28/08/2035 · Rating SOV | 5.76% | ₹0.78 Cr | 80,000 |
| Maharashtra StateCoupon 7.25% · Maturity 28/12/2026 · Rating SOV | 1.85% | ₹0.25 Cr | 25,000 |
Fund details
In brief
Capital appreciation & income over long term to achieve retirement goals. investments in debt & money market instruments as well as equity and equity related securities.
Investment objective
The Scheme seeks to invests in various debt securities and money market instruments issued by corporates and/or state and central government.
Fund type
Open-ended
Min lumpsum
₹1,000
Min withdrawal
₹1
Lock-in
1825 days
SIP
Available
SWP
Available
STP
Available
Purchase cut-off
15:00