{"id":258725,"date":"2026-09-21T11:05:54","date_gmt":"2026-09-21T05:35:54","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/"},"modified":"2026-09-21T11:05:54","modified_gmt":"2026-09-21T05:35:54","slug":"aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/","title":{"rendered":"Aditya Birla SL Retirement Fund-50 Plus-Debt Direct Growth Plan Review 2026: NAV, Returns, Portfolio &#038; Should You Invest?"},"content":{"rendered":"<p><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-retirement-fund-50-plus-debt-plan-g-direct-plan\">Aditya Birla SL Retirement Fund-50 Plus-Debt Plan Direct Growth Plan<\/a> has a current NAV of \u20b914.9466 as of 18 Sep 2026 and a scheme AUM of \u20b913 Cr. Its 1-year, 3-year and 5-year returns are 3.86%, 5.91% and 5.01% respectively, and the fund sits in the Medium Risk category. Our view is that this is better suited to conservative investors who can accept modest return outcomes in exchange for a portfolio that is anchored by government securities and cash-like instruments rather than equity-style swings.<\/p>\n<p>The return profile has been steady but restrained, and the benchmark has been more uneven over the same periods. That combination suggests a fund that has defended capital better than a growth-oriented strategy would, but without delivering especially strong compounding. It may appeal to investors looking for a retirement-oriented debt allocation with a simple portfolio structure and low headline volatility.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#Quick_facts\" title=\"Quick facts\">Quick facts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#Performance\" title=\"Performance\">Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#Should_you_BUY_or_HOLD_Aditya_Birla_SL_Retirement_Fund-50_Plus-Debt_Plan\" title=\"Should you BUY or HOLD Aditya Birla SL Retirement Fund-50 Plus-Debt Plan?\">Should you BUY or HOLD Aditya Birla SL Retirement Fund-50 Plus-Debt Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#Peer_comparison\" title=\"Peer comparison\">Peer comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#Portfolio_where_your_money_goes\" title=\"Portfolio: where your money goes\">Portfolio: where your money goes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#Who_should_invest\" title=\"Who should invest\">Who should invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#Tax_and_exit_load\" title=\"Tax and exit load\">Tax and exit load<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#Frequently_asked_questions\" title=\"Frequently asked questions\">Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#What_is_the_current_NAV_of_Aditya_Birla_SL_Retirement_Fund-50_Plus-Debt_Plan_Direct_Growth_Plan\" title=\"What is the current NAV of Aditya Birla SL Retirement Fund-50 Plus-Debt Plan Direct Growth Plan?\">What is the current NAV of Aditya Birla SL Retirement Fund-50 Plus-Debt Plan Direct Growth Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#What_are_the_funds_1-year_3-year_and_5-year_returns\" title=\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\">What are the fund\u2019s 1-year, 3-year and 5-year returns?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#How_does_the_fund_compare_with_its_benchmark\" title=\"How does the fund compare with its benchmark?\">How does the fund compare with its benchmark?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#How_does_it_compare_with_the_peer_funds_listed_here\" title=\"How does it compare with the peer funds listed here?\">How does it compare with the peer funds listed here?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#What_is_the_minimum_SIP_amount\" title=\"What is the minimum SIP amount?\">What is the minimum SIP amount?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#Bottom_line\" title=\"Bottom line\">Bottom line<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#Explore_mutual_funds_with_Univest\" title=\"Explore mutual funds with Univest\">Explore mutual funds with Univest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/aditya-birla-sl-retirement-fund-50-plus-debt-direct-growth-plan-review-2026\/#RIA_disclosure\" title=\"RIA disclosure\">RIA disclosure<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Quick_facts\"><\/span>Quick facts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Particular<\/th>\n<th>Details<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>NAV<\/td>\n<td>\u20b914.9466 as of 18 Sep 2026<\/td>\n<\/tr>\n<tr>\n<td>AUM<\/td>\n<td>\u20b913 Cr<\/td>\n<\/tr>\n<tr>\n<td>Expense Ratio<\/td>\n<td>0.84%<\/td>\n<\/tr>\n<tr>\n<td>Launch Date<\/td>\n<td>11 Mar 2019<\/td>\n<\/tr>\n<tr>\n<td>Min SIP<\/td>\n<td>\u20b9500<\/td>\n<\/tr>\n<tr>\n<td>Risk Category<\/td>\n<td>Medium Risk<\/td>\n<\/tr>\n<tr>\n<td>Benchmark<\/td>\n<td>Nifty 50<\/td>\n<\/tr>\n<tr>\n<td>Fund Category<\/td>\n<td>Solution Oriented<\/td>\n<\/tr>\n<tr>\n<td>Exit Load<\/td>\n<td>No exit load<\/td>\n<\/tr>\n<tr>\n<td>Fund Managers<\/td>\n<td>Harshil Suvarnkar<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund is managed by Harshil Suvarnkar.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 18 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Performance\"><\/span>Performance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Period<\/th>\n<th>Fund return<\/th>\n<th>Benchmark return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>1M<\/td>\n<td>-0.32%<\/td>\n<td>-3.73%<\/td>\n<\/tr>\n<tr>\n<td>3M<\/td>\n<td>0.60%<\/td>\n<td>-3.14%<\/td>\n<\/tr>\n<tr>\n<td>1Y<\/td>\n<td>3.86%<\/td>\n<td>-5.31%<\/td>\n<\/tr>\n<tr>\n<td>3Y<\/td>\n<td>5.91%<\/td>\n<td>6.30%<\/td>\n<\/tr>\n<tr>\n<td>5Y<\/td>\n<td>5.01%<\/td>\n<td>5.79%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The fund\u2019s recent numbers are more stable than the benchmark\u2019s. Over 1 month and 3 months, the fund stayed close to flat to mildly positive while the benchmark was negative, which suggests better short-term resilience.<\/p>\n<p>Over longer periods, the picture is more measured. The 1-year return is positive, but the 3-year and 5-year figures remain modest, showing that the fund has compounded at a low pace rather than delivering a strong growth run.<\/p>\n<p>Against the benchmark, the fund is ahead over 1 month, 3 months and 1 year, but behind over 3 years and 5 years. That split matters: the short-term edge appears to come from steadier positioning, while the longer-term record shows that the benchmark still wins on cumulative return. The pattern in the return path also looks smoother than an equity-style strategy, which fits a debt-heavy retirement structure.<\/p>\n<p>For investors, the main takeaway is that this is not a high-return debt fund story; it is more of a cautious, steady compounding profile with limited upside and relatively controlled movement.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 18 Sep 2026<\/small><\/p>\n<section class=\"univest-mf-premium-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;border:1px solid #d8e3f0;background:#f7faff\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Should_you_BUY_or_HOLD_Aditya_Birla_SL_Retirement_Fund-50_Plus-Debt_Plan\"><\/span>Should you BUY or HOLD Aditya Birla SL Retirement Fund-50 Plus-Debt Plan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A fund&#8217;s past returns alone don&#8217;t tell you whether you should buy it today or continue holding it.<\/p>\n<p>The right decision depends on factors such as your current allocation, purchase price, risk profile, investment horizon and the role this fund plays in your overall portfolio.<\/p>\n<p><strong>Already holding Aditya Birla SL Retirement Fund-50 Plus-Debt Plan? Thinking of investing now?<\/strong><\/p>\n<p><a href=\"https:\/\/univest.in\/mutual-funds\" style=\"font-weight:700;text-decoration:none\">Get your portfolio analysed for FREE by SEBI-registered Investment Adviser (RIA) through Univest MF Premium<\/a><\/p>\n<\/section>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Peer_comparison\"><\/span>Peer comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Fund<\/th>\n<th>1Y return<\/th>\n<th>3Y return<\/th>\n<th>5Y return<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-retirement-fund-50-plus-debt-plan-g-direct-plan\">Aditya Birla SL Retirement Fund-50 Plus-Debt Plan Direct Growth Plan<\/a><\/td>\n<td>3.86%<\/td>\n<td>5.91%<\/td>\n<td>5.01%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-retirement-fund-30-g-direct-plan\">Aditya Birla SL Retirement Fund-30 Direct Growth Plan<\/a><\/td>\n<td>11.58%<\/td>\n<td>15.76%<\/td>\n<td>12.15%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-retirement-fund-hybrid-aggressive-plan-g-direct-plan\">ICICI Pru Retirement Fund-Hybrid Aggressive Plan Direct Growth Plan<\/a><\/td>\n<td>6.35%<\/td>\n<td>17.21%<\/td>\n<td>14.96%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-retirement-fund-pure-equity-plan-g-direct-plan\">ICICI Pru Retirement Fund-Pure Equity Plan Direct Growth Plan<\/a><\/td>\n<td>6.29%<\/td>\n<td>19.46%<\/td>\n<td>19.13%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/icici-pru-retirement-fund-hybrid-cons-plan-g-direct-plan\">ICICI Pru Retirement Fund-Hybrid Cons Plan Direct Growth Plan<\/a><\/td>\n<td>5.40%<\/td>\n<td>9.71%<\/td>\n<td>8.68%<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/univest.in\/mutual-funds\/aditya-birla-sl-retirement-fund-50-g-direct-plan\">Aditya Birla SL Retirement Fund-50 Direct Growth Plan<\/a><\/td>\n<td>4.57%<\/td>\n<td>8%<\/td>\n<td>7.06%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This assessment is prepared by Uniapps Investment Adviser Pvt. Ltd. under SEBI Registered Investment Adviser registration INA000017639.<\/p>\n<p>The fund\u2019s 1-year return trails the stronger peer readings in this set, especially the equity-heavy retirement funds that have posted much higher gains. Its 3-year and 5-year numbers are also lower than the better-performing peers, which shows that the fund has stayed in a more defensive lane.<\/p>\n<p>That said, the comparison is not one-sided. The cleaner, more defensive peer options often show stronger medium-term numbers, but they also reflect a meaningfully different return profile. For an investor who values steadier debt exposure over higher variability, the gap versus peers may be an acceptable trade-off. For anyone seeking stronger long-term compounding, the available peer data points toward funds with more growth-oriented allocations.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 18 Sep 2026<\/small><\/p>\n<div class=\"univest-peer-login-cta\" style=\"margin:20px 0;padding:16px 18px;border:1px solid #d8e3f0;border-radius:8px;background:#f7faff\">\n<p style=\"margin:0\"><strong>Want to know more?<\/strong> <a href=\"https:\/\/univest.in\/user\/log-in\" style=\"font-weight:700;text-decoration:none\">Log in to Univest<\/a> for more mutual fund insights.<\/p>\n<\/div>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Portfolio_where_your_money_goes\"><\/span>Portfolio: where your money goes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding<\/th>\n<th>Sector<\/th>\n<th>Weight<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>TREPS<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>44.21%<\/td>\n<\/tr>\n<tr>\n<td>Government of India (05\/12\/2033)<\/td>\n<td>Government Securities<\/td>\n<td>21.61%<\/td>\n<\/tr>\n<tr>\n<td>Government of India (22\/04\/2064)<\/td>\n<td>Government Securities<\/td>\n<td>8.75%<\/td>\n<\/tr>\n<tr>\n<td>0% GOI &#8211; (06\/05\/2030) Strips<\/td>\n<td>Government Securities<\/td>\n<td>7.73%<\/td>\n<\/tr>\n<tr>\n<td>8.55% HDFC Bank Ltd. (27\/03\/2029) **<\/td>\n<td>Corporate Debt<\/td>\n<td>7.40%<\/td>\n<\/tr>\n<tr>\n<td>State Government Securities (28\/08\/2035)<\/td>\n<td>Government Securities<\/td>\n<td>5.78%<\/td>\n<\/tr>\n<tr>\n<td>Net Receivable \/ Payable<\/td>\n<td>Cash &amp; Cash Equivalents and Net Assets<\/td>\n<td>2.69%<\/td>\n<\/tr>\n<tr>\n<td>State Government Securities (28\/12\/2026)<\/td>\n<td>Government Securities<\/td>\n<td>1.83%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The largest holding, TREPS at 44.21%, is substantial on its own and is likely to have a strong influence on the fund\u2019s day-to-day behaviour. The next few positions are also meaningful, with government securities taking a large share of the disclosed portfolio and only one corporate debt holding appearing among the largest positions.<\/p>\n<p>The weight drops sharply after the biggest position, from 44.21% to 21.61% and then to the high single digits. That pattern suggests that the portfolio is not evenly spread across many similar-sized lines; instead, it is built around a few dominant exposures and a thinner tail.<\/p>\n<p>Because the disclosed holdings already sum to 100% across eight rows, the visible portfolio is quite concentrated in the top few instruments. That concentration may support stability, but it also means the fund\u2019s outcome is likely to be driven heavily by cash management and sovereign-rate exposure rather than by broad diversification across many securities.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 18 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Who_should_invest\"><\/span>Who should invest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This fund may suit investors with a conservative to moderate risk tolerance who want a retirement-oriented debt allocation rather than an equity-led growth engine. The Medium Risk label and the portfolio mix point to a strategy that can handle moderate fluctuations, but the return history shows limited upside compared with more growth-focused alternatives.<\/p>\n<p>An investment horizon of at least several years makes more sense than a short holding period, because the 3-year and 5-year returns are modest and the fund is designed for long-term retirement planning. The trade-off is clear: you may get a steadier ride and a portfolio that leans toward government-backed instruments, but you give up the stronger compounding that peers with more aggressive exposure have delivered.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Tax_and_exit_load\"><\/span>Tax and exit load<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Holding period<\/th>\n<th>Tax rate<\/th>\n<th>Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Units held less than 1 year<\/td>\n<td>20%<\/td>\n<td>Short-term capital gains tax<\/td>\n<\/tr>\n<tr>\n<td>Units held more than 1 year<\/td>\n<td>12.5%<\/td>\n<td>Long-term capital gains tax<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Exit load:<\/strong> No exit load.<\/p>\n<p class=\"mf-source-date\"><small>Source data date: as of 18 Sep 2026<\/small><\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_current_NAV_of_Aditya_Birla_SL_Retirement_Fund-50_Plus-Debt_Plan_Direct_Growth_Plan\"><\/span>What is the current NAV of Aditya Birla SL Retirement Fund-50 Plus-Debt Plan Direct Growth Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The current NAV is \u20b914.9466 as of 18 Sep 2026.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_are_the_funds_1-year_3-year_and_5-year_returns\"><\/span>What are the fund\u2019s 1-year, 3-year and 5-year returns?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 1-year return is 3.86%, the 3-year return is 5.91%, and the 5-year return is 5.01%.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_the_fund_compare_with_its_benchmark\"><\/span>How does the fund compare with its benchmark?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>It is ahead of the benchmark over 1 month, 3 months and 1 year, but behind over 3 years and 5 years. The benchmark comparison shows a short-term resilience advantage and a longer-term compounding gap.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"How_does_it_compare_with_the_peer_funds_listed_here\"><\/span>How does it compare with the peer funds listed here?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Its recent and longer-term returns are lower than several of the peer funds shown, especially the equity-tilted retirement funds. The comparison suggests a more defensive return profile.<\/p>\n<h3 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_SIP_amount\"><\/span>What is the minimum SIP amount?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The minimum SIP amount is \u20b9500.<\/p>\n<p>What is the fund\u2019s risk profile and portfolio style?<\/p>\n<p>It is classified as Medium Risk and is built around TREPS, government securities and one corporate debt holding among the largest positions. That mix points to a defensive structure rather than a broad equity-style portfolio.<\/p>\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Bottom_line\"><\/span>Bottom line<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The fund\u2019s recent short-term resilience is better than its longer-run compounding record, and that gap matters for investor expectations. Compared with the listed peers, the fund looks more defensive and less return-rich across the available time periods. Its Medium Risk profile and portfolio mix, led by TREPS and government securities, support a cautious retirement-oriented approach. For investors who want a steadier debt allocation and can accept modest returns, it fits that brief; for those seeking stronger long-term growth, the peer comparison points to more aggressive alternatives.<\/p>\n<p class=\"univest-posted-at\" style=\"font-size:14px;color:#666;margin:20px 0 8px\">Published on 21 September 2026 at 11:05 AM IST<\/p>\n<section class=\"univest-login-cta\" style=\"margin:28px 0;padding:24px;border-radius:10px;background:#eef5ff;border:1px solid #cddff7;text-align:center\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"Explore_mutual_funds_with_Univest\"><\/span>Explore mutual funds with Univest<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Review mutual fund data, compare performance and explore fund insights on Univest.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\" style=\"display:inline-block;padding:11px 20px;border-radius:6px;background:#1f4e79;color:#fff !important;text-decoration:none;font-weight:700\">Explore Univest<\/a><\/p>\n<\/section>\n<section class=\"univest-disclaimer\">\n<h2 style=\"font-weight:700\"><span class=\"ez-toc-section\" id=\"RIA_disclosure\"><\/span>RIA disclosure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This review is prepared by Uniapps Investment Adviser Pvt. Ltd. (earlier known as Uniapps Global Research Pvt. Ltd.) under SEBI Registered Investment Adviser registration INA000017639 for general informational purposes and is not personalized investment advice.<\/p>\n<\/section>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"InvestmentFund\",\"name\":\"Aditya Birla SL Retirement Fund-50 Plus-Debt Plan Direct Growth Plan\",\"identifier\":\"aditya-birla-sl-retirement-fund-50-plus-debt-plan-g-direct-plan\",\"category\":\"Solution Oriented\",\"dateCreated\":\"11 Mar 2019\",\"isAccessibleForFree\":true,\"additionalProperty\":[{\"@type\":\"PropertyValue\",\"name\":\"NAV\",\"value\":14.9466,\"valueReference\":\"as of 18 Sep 2026\"},{\"@type\":\"PropertyValue\",\"name\":\"AUM\",\"value\":\"13 Cr\"},{\"@type\":\"PropertyValue\",\"name\":\"Expense Ratio\",\"value\":\"0.84\"},{\"@type\":\"PropertyValue\",\"name\":\"Benchmark\",\"value\":\"Nifty 50\"},{\"@type\":\"PropertyValue\",\"name\":\"1Y Return\",\"value\":3.86},{\"@type\":\"PropertyValue\",\"name\":\"3Y Return\",\"value\":5.91},{\"@type\":\"PropertyValue\",\"name\":\"5Y Return\",\"value\":5.01},{\"@type\":\"PropertyValue\",\"name\":\"Fund Managers\",\"value\":\"Harshil Suvarnkar\"}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the current NAV of Aditya Birla SL Retirement Fund-50 Plus-Debt Plan Direct Growth Plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The current NAV is \u20b914.9466 as of 18 Sep 2026.\"}},{\"@type\":\"Question\",\"name\":\"What are the fund\u2019s 1-year, 3-year and 5-year returns?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The 1-year return is 3.86%, the 3-year return is 5.91%, and the 5-year return is 5.01%.\"}},{\"@type\":\"Question\",\"name\":\"How does the fund compare with its benchmark?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is ahead of the benchmark over 1 month, 3 months and 1 year, but behind over 3 years and 5 years. The benchmark comparison shows a short-term resilience advantage and a longer-term compounding gap.\"}},{\"@type\":\"Question\",\"name\":\"How does it compare with the peer funds listed here?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Its recent and longer-term returns are lower than several of the peer funds shown, especially the equity-tilted retirement funds. The comparison suggests a more defensive return profile.\"}},{\"@type\":\"Question\",\"name\":\"What is the minimum SIP amount?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The minimum SIP amount is \u20b9500.\"}},{\"@type\":\"Question\",\"name\":\"What is the fund\u2019s risk profile and portfolio style?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is classified as Medium Risk and is built around TREPS, government securities and one corporate debt holding among the largest positions. That mix points to a defensive structure rather than a broad equity-style portfolio.\"}}]}<\/script><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"Organization\",\"name\":\"Uniapps Investment Adviser Pvt. Ltd.\",\"description\":\"SEBI Registered Investment Adviser INA000017639\"}<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aditya Birla SL Retirement Fund-50 Plus-Debt Plan Direct Growth Plan has a \u20b914.9466 NAV as of 18 Sep 2026, a \u20b913 Cr AUM, and 1Y\/3Y\/5Y returns of 3.86%\/5.91%\/5.01%.<\/p>\n","protected":false},"author":38,"featured_media":258724,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3841],"tags":[],"class_list":["post-258725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["258724"],"rank_math_title":["Aditya Birla SL Retirement Fund-50 Plus-Debt Review"],"rank_math_description":["Aditya Birla SL Retirement Fund-50 Plus-Debt Plan Direct Growth Plan has a \u20b914.9466 NAV and 1Y return of 3.86% as of 18 Sep 2026."],"rank_math_focus_keyword":["Aditya Birla SL Retirement Fund-50 Plus-Debt Plan Direct Growth Plan review"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/09\/Aditya_Birla_SL_Retirement_Fund_50_Plus_Debt_Direct_Growth_Plan_Review_2026_NAV_Returns_Portfolio_Should_You_Invest_neutral.png","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/258725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=258725"}],"version-history":[{"count":0,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/258725\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/258724"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=258725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=258725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=258725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}