Aditya Birla Sun Life Retirement Fund The 50s Plan
Direct · Growth ₹16.69
04 Nov 2026
NAV
7.2%
3Y CAGR
7.2%
5Y CAGR
7.1%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
2.36
Sharpe
-5.0%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
0.63%
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.40 L | 7.2% | -7.0% | 17.9% |
| 3 Years | ₹36.00 L | ₹40.11 L | 7.2% | 0.9% | 12.4% |
| 5 Years | ₹60.00 L | ₹73.48 L | 8.1% | 6.5% | 9.4% |
| 7 Years | ₹84.00 L | ₹1.09 Cr | 7.3% | 6.4% | 7.9% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 7.2% | 14.3% | 6.8% | -7.1% |
| 3 Years | 7.2% | 11.0% | 12.8% | -3.8% |
| 5 Years | 8.1% | 10.4% | 13.3% | -2.2% |
| 7 Years | 7.3% | 10.6% | 12.1% | -3.2% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 7.2% | 7.5% | -2.2% | 15.1% | 0.18 | 0.31 | 97% | — | — |
| 3 Years | 7.2% | 7.6% | 3.8% | 11.1% | 0.32 | 0.63 | 100% | — | — |
| 5 Years | 7.2% | 7.1% | 6.4% | 8.0% | 2.36 | 224.12 | 100% | — | — |
-5.0%
Max Drawdown
2 mo
Drawdown Duration
2 mo
Recovery Time
-0.5%
Avg Drawdown
Calmar Ratio by Duration
1.44
1Y
1.43
3Y
1.43
5Y
1.41
7Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -0.54 | 0.26 | 27.2% | 21.9% | 2.6% | -6.4% |
| 3 Years | +1.28 | 0.25 | 27.8% | 19.9% | 8.0% | 7.3% |
| 5 Years | +0.56 | 0.23 | 25.6% | 18.8% | 6.9% | 5.8% |
| 7 Years | -0.13 | 0.11 | 17.1% | 11.6% | 6.8% | 10.5% |
| 10 Years | -1.38 | 0.10 | 16.1% | 10.3% | 5.2% | 7.8% |
| 12 Years | -2.14 | 0.10 | 16.1% | 10.3% | 4.3% | 6.4% |
| 15 Years | -2.90 | 0.10 | 16.1% | 10.3% | 3.5% | 5.1% |
39
Total Holdings
12.3%
Top 10 Weight
20
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | TD Power Systems Ltd. | 1.78% |
| 2 | ICICI Bank Ltd. | 1.74% |
| 3 | HDFC Bank Ltd. | 1.60% |
| 4 | Hindalco Industries Ltd. | 1.24% |
| 5 | Metropolis Healthcare Ltd. | 1.22% |
| 6 | State Bank of India | 1.02% |
| 7 | Bharti Airtel Ltd. | 0.99% |
| 8 | Fortis Healthcare Ltd. | 0.94% |
| 9 | Bajaj Finance Ltd. | 0.90% |
| 10 | The Federal Bank Ltd. | 0.89% |