Aditya Birla Sun Life Retirement Fund The 50s Plus Debt Plan
Direct · Growth ₹15.00
12 Nov 2026
NAV
5.3%
3Y CAGR
5.3%
5Y CAGR
5.3%
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.
-7.73
Sharpe
-2.3%
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.
0.92%
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 | ₹12.31 L | 5.4% | -1.7% | 10.1% |
| 3 Years | ₹36.00 L | ₹38.89 L | 5.3% | 2.6% | 7.8% |
| 5 Years | ₹60.00 L | ₹68.97 L | 5.7% | 5.0% | 6.4% |
| 7 Years | ₹84.00 L | ₹1.01 Cr | 5.4% | 4.9% | 5.6% |
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 | 5.4% | 14.3% | 6.7% | -8.9% |
| 3 Years | 5.3% | 11.0% | 12.8% | -5.8% |
| 5 Years | 5.7% | 10.4% | 13.3% | -4.7% |
| 7 Years | 5.4% | 10.6% | 12.2% | -5.2% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 5.5% | 6.0% | 0.5% | 8.7% | -0.52 | -0.48 | 100% | — | — |
| 3 Years | 5.3% | 5.0% | 3.7% | 7.2% | -1.27 | -0.79 | 100% | — | — |
| 5 Years | 5.3% | 5.3% | 4.9% | 5.7% | -7.73 | -1.00 | 100% | — | — |
-2.3%
Max Drawdown
1 mo
Drawdown Duration
3 mo
Recovery Time
-0.2%
Avg Drawdown
Calmar Ratio by Duration
2.41
1Y
2.32
3Y
2.34
5Y
2.39
7Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | -2.65 | 0.05 | 6.9% | 2.6% | 3.4% | -2.1% |
| 3 Years | -0.74 | 0.03 | 6.3% | -1.0% | 5.8% | 8.9% |
| 5 Years | -1.47 | 0.02 | 5.3% | -0.8% | 5.0% | 6.8% |
| 7 Years | -1.32 | 0.02 | 4.6% | -0.9% | 5.3% | 11.2% |
| 10 Years | -2.39 | 0.01 | 4.5% | -1.2% | 4.1% | 8.2% |
| 12 Years | -3.07 | 0.01 | 4.5% | -1.2% | 3.4% | 6.8% |
| 15 Years | -3.75 | 0.01 | 4.5% | -1.2% | 2.7% | 5.4% |