Aditya Birla Sun Life Retirement Fund-The 50s Plan vs JioBlackRock Nifty 8-13 yr G-Sec Index Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Retirement Fund-The 50s Plan is a Solution fund and JioBlackRock Nifty 8-13 yr G-Sec Index Fund is an Index fund. In the year to 30-10-2026, Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) returned 1.7% and JioBlackRock Nifty 8-13 yr G-Sec Index Fund (Direct) returned 0.9%. Aditya Birla Sun Life Retirement Fund-The 50s Plan charges 0.63% a year and JioBlackRock Nifty 8-13 yr G-Sec Index Fund 0.12% (Direct plans). Their portfolios overlap 19.7%: they hold 1 of the same security.
Aditya Birla Sun Life Retirement Fund-The 50s Plan
Solution
- 1 year return
- 1.7%
- Expense ratio
- 0.63%
- NAV
- ₹16.50
JioBlackRock Nifty 8-13 yr G-Sec Index Fund
Index
- 1 year return
- 0.9%
- Expense ratio
- 0.12%
- NAV
- ₹10.18
Which is better, Aditya Birla Sun Life Retirement Fund-The 50s Plan or JioBlackRock Nifty 8-13 yr G-Sec Index? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Aditya Birla Sun Life Retirement Fund-The 50s Plan returned more over 1 year: 1.7% against 0.9%.
- JioBlackRock Nifty 8-13 yr G-Sec Index costs less: 0.12% a year against 0.63% (Direct plans).
- JioBlackRock Nifty 8-13 yr G-Sec Index fell less in its worst fall since 22-08-2025: −3.4% against −3.7%.
- JioBlackRock Nifty 8-13 yr G-Sec Index is the larger fund: ₹31 Cr against ₹27 Cr.
- Their portfolios overlap 19.7%: 1 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Retirement Fund-The 50s Plan | JioBlackRock Nifty 8-13 yr G-Sec Index Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Jio BlackRock Mutual Fund |
| Category | Solution | Index |
| AUM | ₹27 Cr (30-09-2026) | ₹31 Cr (30-09-2026) |
| NAV | ₹16.50 (Direct) | ₹10.18 (Direct) |
| Expense ratio (Direct) | 0.63% | 0.12% |
| Expense ratio (Regular) | 1.96% | 0.27% |
| Riskometer | Moderately High | Moderate |
| Benchmark | CRISIL Short Term Debt Hybrid 75+25 Index | Nifty 8-13 yr G-Sec |
| Launch date | 11-03-2019 | 18-08-2025 |
| Minimum investment | ₹1,000 | ₹500 |
| Lock in | 5 years, or until retirement if earlier | None |
| Fund managers | Mohit Sharma, Harshil Suvarnkar | Vikrant Mehta, Siddharth Deb, Arun Ramachandran |
| Exit load | Nil | Nil |
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs JioBlackRock Nifty 8-13 yr G-Sec Index: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) | −0.48% | −1.72% | +1.09% | +1.71% | +7.79% | +6.70% | -- |
| JioBlackRock Nifty 8-13 yr G-Sec Index Fund (Direct) | −1.07% | −2.38% | +0.63% | +0.89% | -- | -- | -- |
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs JioBlackRock Nifty 8-13 yr G-Sec Index: Year-wise Returns
| Year | Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Retirement Fund-The 50s Plan | JioBlackRock Nifty 8-13 yr G-Sec IndexJioBlackRock Nifty 8-13 yr G-Sec Index |
|---|---|---|
| 2026to date | +1.50% | +0.17% |
| 2025 | +6.91% | -- |
| 2024 | +10.63% | -- |
| 2023 | +11.41% | -- |
| 2022 | +2.83% | -- |
| 2021 | +3.34% | -- |
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs JioBlackRock Nifty 8-13 yr G-Sec Index: Rolling Returns
Every holding period of both funds
Rolling returns
Every 1-year holding period, 45 of them, one for each trading day from 24-08-2026 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
JioBlackRock Nifty 8-13 yr G-Sec Index Fund (Direct)
to
Aug 2026Sept 2025
to
Sept 2026Sept 2025
to
Sept 2026Oct 2025
to
Oct 2026Oct 2025
to
Oct 2026Oct 2025
to
Oct 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 50s Plan | 0.0 | 68.9 | 31.1 | 0.0 | 0.0 | 0.0 | 0.0 | 3.9% | 4.1% | 0.9% | 6.9% |
| JioBlackRock Nifty 8-13 yr G-Sec Index | 0.0 | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2.4% | 2.6% | 0.2% | 5.0% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 22-08-2025. Past returns do not promise future returns.
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs JioBlackRock Nifty 8-13 yr G-Sec Index: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹10,000 on the first trading day of every month, from 01-08-2025 to 30-10-2026: 15 instalments, ₹1,50,000 in all.
| Investment | Invested | Value now | Gain | Return a year |
|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) | ₹1,50,000 | ₹1,51,731 | ₹1,731 | 1.7% |
| JioBlackRock Nifty 8-13 yr G-Sec IndexJioBlackRock Nifty 8-13 yr G-Sec Index Fund (Direct) | ₹1,50,000 | ₹1,50,125 | ₹125 | 0.1% |
Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
JioBlackRock Nifty 8-13 yr G-Sec IndexJioBlackRock Nifty 8-13 yr G-Sec Index Fund (Direct)
Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs JioBlackRock Nifty 8-13 yr G-Sec Index: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) | JioBlackRock Nifty 8-13 yr G-Sec Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +1.71% | +0.89% |
| Standard deviation | 4.00% | 3.31% |
| Sharpe ratio | -0.88 | -1.32 |
| Sortino ratio | -1.19 | -1.79 |
| Maximum drawdown | −3.7% (30-03-2026) | −3.4% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) | JioBlackRock Nifty 8-13 yr G-Sec Index Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.76% | +1.71% |
| Standard deviation | 3.15% | 3.22% |
| Sharpe ratio | 0.50 | -1.12 |
| Sortino ratio | 0.70 | -1.53 |
| Maximum drawdown | −5.0% (17-06-2022) | −3.4% (23-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 13-03-2019 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls. Beta and alpha compare each fund with its own benchmark's TRI.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
JioBlackRock Nifty 8-13 yr G-Sec Index Fund (Direct)
| Fund | Worst fall | High before it | Bottom | Back at the high | Time to climb back | Below its high today |
|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) | −3.7% | 23-02-2026 | 30-03-2026 | 12-06-2026 | 2 months | −2.6% |
| JioBlackRock Nifty 8-13 yr G-Sec Index Fund (Direct) | −3.4% | 14-08-2026 | 23-10-2026 | Not yet | -- | −3.0% |
From daily values since 22-08-2025, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
JioBlackRock Nifty 8-13 yr G-Sec Index Fund (Direct)
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs JioBlackRock Nifty 8-13 yr G-Sec Index: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Retirement Fund-The 50s Plan, September 2026; JioBlackRock Nifty 8-13 yr G-Sec Index Fund, September 2026
Holdings in common
- Overlap
- 19.7%
- Held by both
- 1
- Only in Aditya Birla Sun Life Retirement Fund-The 50s Plan
- 44
- Only in JioBlackRock Nifty 8-13 yr G-Sec Index
- 2
| Security | % of Aditya Birla Sun Life Retirement Fund-The 50s Plan | % of JioBlackRock Nifty 8-13 yr G-Sec Index |
|---|---|---|
| Government of India (06/10/2035) | 19.74% | 23.81% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 19.7% means 19.7% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Retirement Fund-The 50s Plan
| Security | % of fund |
|---|---|
| Government of India (06/02/2033) | 8.51% |
| 8.55% HDFC Bank Ltd. (27/03/2029) | 7.60% |
| Government of India (05/12/2033) | 3.64% |
| State Government Securities (28/08/2035) | 2.93% |
| Government of India (17/04/2030) | 2.84% |
Largest holdings only in JioBlackRock Nifty 8-13 yr G-Sec Index Fund
| Security | % of fund |
|---|---|
| 6.94% GOI 2036 (11-MAY-2036) | 55.15% |
| 7.18% GOI 2037 (24-JUL-2037) | 18.17% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Retirement Fund-The 50s Plan | JioBlackRock Nifty 8-13 yr G-Sec Index |
|---|---|---|
| Equity | 23.8% | 0.0% |
| Debt | 45.3% | 97.1% |
| Cash and others | 31.0% | 2.9% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Retirement Fund-The 50s Plan | JioBlackRock Nifty 8-13 yr G-Sec Index |
|---|---|---|
| Large Cap | 15.0% | -- |
| Mid Cap | 3.6% | -- |
| Small Cap | 3.4% | -- |
| Not on AMFI's list | 1.8% | -- |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life Retirement Fund-The 50s Plan | JioBlackRock Nifty 8-13 yr G-Sec Index |
|---|---|---|
| Banks | 7.2% | 0.0% |
| Healthcare Services | 2.6% | 0.0% |
| Electrical Equipment | 1.8% | 0.0% |
| Pharmaceuticals & Biotechnology | 1.5% | 0.0% |
| Auto Components | 1.3% | 0.0% |
| Finance | 1.3% | 0.0% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs JioBlackRock Nifty 8-13 yr G-Sec Index: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Retirement Fund-The 50s Plan | JioBlackRock Nifty 8-13 yr G-Sec Index Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.63% | 0.12% |
| Base expense ratio (Direct) | 0.54% | 0.09% |
| Total expense ratio (Regular) | 1.96% | 0.27% |
| Base expense ratio (Regular) | 1.68% | 0.22% |
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, transaction costs, and levies with GST.
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs JioBlackRock Nifty 8-13 yr G-Sec Index Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Retirement Fund-The 50s Plan and JioBlackRock Nifty 8-13 yr G-Sec Index Fund?
Aditya Birla Sun Life Retirement Fund-The 50s Plan is a Solution fund, JioBlackRock Nifty 8-13 yr G-Sec Index Fund is an Index fund, run by Aditya Birla Sun Life Mutual Fund and Jio BlackRock Mutual Fund. Their portfolios overlap 19.7%. Aditya Birla Sun Life Retirement Fund-The 50s Plan charges 0.63% a year and JioBlackRock Nifty 8-13 yr G-Sec Index Fund 0.12%.
Which has given higher returns, Aditya Birla Sun Life Retirement Fund-The 50s Plan or JioBlackRock Nifty 8-13 yr G-Sec Index Fund?
Over 1 year: Aditya Birla Sun Life Retirement Fund-The 50s Plan +1.71%, JioBlackRock Nifty 8-13 yr G-Sec Index Fund +0.89%. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Retirement Fund-The 50s Plan or JioBlackRock Nifty 8-13 yr G-Sec Index Fund?
JioBlackRock Nifty 8-13 yr G-Sec Index Fund charges less: 0.12% a year against 0.63%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Retirement Fund-The 50s Plan and JioBlackRock Nifty 8-13 yr G-Sec Index Fund overlap?
19.7%. They hold 1 of the same securities, the largest shared ones being Government of India (06/10/2035). From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Retirement Fund-The 50s Plan or JioBlackRock Nifty 8-13 yr G-Sec Index Fund?
On SEBI's riskometer, Aditya Birla Sun Life Retirement Fund-The 50s Plan is rated Moderately High and JioBlackRock Nifty 8-13 yr G-Sec Index Fund Moderate. Over 1 years, the standard deviation of daily returns was 4.00% and 3.31% a year.
Can I invest in both Aditya Birla Sun Life Retirement Fund-The 50s Plan and JioBlackRock Nifty 8-13 yr G-Sec Index Fund?
Yes. 19.7% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Aditya Birla Sun Life Retirement Fund-The 50s Plan and JioBlackRock Nifty 8-13 yr G-Sec Index Fund?
Aditya Birla Sun Life Retirement Fund-The 50s Plan: Mohit Sharma, Harshil Suvarnkar. JioBlackRock Nifty 8-13 yr G-Sec Index Fund: Vikrant Mehta, Siddharth Deb, Arun Ramachandran.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.