Aditya Birla Sun Life Retirement Fund-The 50s Plan vs Sundaram Medium Term 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 Sundaram Medium Term Fund is a Medium Duration fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) returned 7.8% a year and Sundaram Medium Term Fund (Direct) returned 5.7% a year. Aditya Birla Sun Life Retirement Fund-The 50s Plan charges 0.63% a year and Sundaram Medium Term Fund 1.17% (Direct plans). Their portfolios overlap 17.7%: they hold 1 of the same security.
Aditya Birla Sun Life Retirement Fund-The 50s Plan
Solution
- 3 year return
- 7.8%
- Expense ratio
- 0.63%
- NAV
- ₹16.50
Sundaram Medium Term Fund
Medium Duration
- 3 year return
- 5.7%
- Expense ratio
- 1.17%
- NAV
- ₹80.15
Which is better, Aditya Birla Sun Life Retirement Fund-The 50s Plan or Sundaram Medium Term? 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 5 years: 6.7% a year against 4.7%.
- Aditya Birla Sun Life Retirement Fund-The 50s Plan returned more over 3 years: 7.8% a year against 5.7%.
- Aditya Birla Sun Life Retirement Fund-The 50s Plan costs less: 0.63% a year against 1.17% (Direct plans).
- Sundaram Medium Term swung less over 3 years: a standard deviation of 1.3% a year against 3.7%.
- Aditya Birla Sun Life Retirement Fund-The 50s Plan fell less in its worst fall since 13-03-2019: −5.0% against −5.2%.
- Sundaram Medium Term is the larger fund: ₹32 Cr against ₹27 Cr.
- Their portfolios overlap 17.7%: 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 | Sundaram Medium Term Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Sundaram Mutual Fund |
| Category | Solution | Medium Duration |
| AUM | ₹27 Cr (30-09-2026) | ₹32 Cr (30-09-2026) |
| NAV | ₹16.50 (Direct) | ₹80.15 (Direct) |
| Expense ratio (Direct) | 0.63% | 1.17% |
| Expense ratio (Regular) | 1.96% | 1.90% |
| Riskometer | Moderately High | Moderate |
| Benchmark | CRISIL Short Term Debt Hybrid 75+25 Index | NIFTY Medium Duration Debt Index A-III |
| Launch date | 11-03-2019 | 18-12-1997 |
| Minimum investment | ₹1,000 | ₹5,000 |
| Lock in | 5 years, or until retirement if earlier | None |
| Fund managers | Mohit Sharma, Harshil Suvarnkar | Sandeep Agarwal, Kumaresh Ramakrishnan |
| Exit load | Nil | NIL |
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs Sundaram Medium Term: 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% | -- |
| Sundaram Medium Term Fund (Direct) | −0.52% | −0.68% | +1.34% | +2.45% | +5.74% | +4.74% | +5.61% |
| Medium Duration average | −0.34% | −0.09% | +2.51% | +4.72% | +7.66% | +6.88% | +6.78% |
Category average: the average of the 13 Medium Duration funds, same plan type.
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs Sundaram Medium Term: Year-wise Returns
| Year | Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Retirement Fund-The 50s Plan | Sundaram Medium TermSundaram Medium Term |
|---|---|---|
| 2026to date | +1.50% | +1.77% |
| 2025 | +6.91% | +6.52% |
| 2024 | +10.63% | +7.16% |
| 2023 | +11.41% | +6.34% |
| 2022 | +2.83% | +1.67% |
| 2021 | +3.34% | +2.72% |
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs Sundaram Medium Term: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 1,123 of them, one for each trading day from 14-03-2022 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)
Sundaram Medium Term Fund (Direct)
to
Jul 2022May 2020
to
May 2023Feb 2021
to
Feb 2024Dec 2021
to
Dec 2024Sept 2022
to
Sept 2025Jun 2023
to
Jun 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 | 22.9 | 68.3 | 8.8 | 0.0 | 0.0 | 0.0 | 7.2% | 7.6% | 3.8% | 11.1% |
| Sundaram Medium Term | 0.0 | 57.3 | 42.7 | 0.0 | 0.0 | 0.0 | 0.0 | 5.0% | 4.7% | 3.1% | 7.3% |
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 13-03-2019. Past returns do not promise future returns.
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs Sundaram Medium Term: 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 13-03-2019 to 30-10-2026: 92 instalments, ₹9,20,000 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) | ₹9,20,000 | ₹11,90,253 | ₹2,70,253 | 6.6% |
| Sundaram Medium TermSundaram Medium Term Fund (Direct) | ₹9,20,000 | ₹11,13,500 | ₹1,93,500 | 4.9% |
Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
Sundaram Medium TermSundaram Medium Term 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 Sundaram Medium Term: 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) | Sundaram Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +1.71% | +2.45% |
| Standard deviation | 4.00% | 1.46% |
| Sharpe ratio | -0.88 | -1.91 |
| Sortino ratio | -1.19 | -2.48 |
| Maximum drawdown | −3.7% (30-03-2026) | −1.2% (22-10-2026) |
| 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) | Sundaram Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +7.79% | +5.74% |
| Standard deviation | 3.65% | 1.27% |
| Sharpe ratio | 0.48 | -0.23 |
| Sortino ratio | 0.66 | -0.31 |
| Maximum drawdown | −3.7% (30-03-2026) | −1.2% (22-10-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 30-10-2023 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) | Sundaram Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.70% | +4.74% |
| Standard deviation | 3.58% | 1.51% |
| Sharpe ratio | 0.25 | -0.70 |
| Sortino ratio | 0.34 | -0.92 |
| Maximum drawdown | −5.0% (17-06-2022) | −2.5% (06-05-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
From daily NAVs, 29-10-2021 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) | Sundaram Medium Term Fund (Direct) |
|---|---|---|
| Return (CAGR) | +6.76% | +6.55% |
| Standard deviation | 3.15% | 2.86% |
| Sharpe ratio | 0.50 | 0.18 |
| Sortino ratio | 0.70 | 0.25 |
| Maximum drawdown | −5.0% (17-06-2022) | −8.0% (19-08-2013) |
| 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)
Sundaram Medium Term 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) | −5.0% | 04-04-2022 | 17-06-2022 | 17-08-2022 | 2 months | −2.6% |
| Sundaram Medium Term Fund (Direct) | −5.2% | 04-03-2020 | 23-03-2020 | 11-06-2020 | 3 months | −1.1% |
From daily values since 13-03-2019, 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)
Sundaram Medium Term Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-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)
Sundaram Medium Term Fund (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-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)
Sundaram Medium Term Fund (Direct)
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs Sundaram Medium Term: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Retirement Fund-The 50s Plan, September 2026; Sundaram Medium Term Fund, September 2026
Holdings in common
- Overlap
- 17.7%
- Held by both
- 1
- Only in Aditya Birla Sun Life Retirement Fund-The 50s Plan
- 44
- Only in Sundaram Medium Term
- 15
| Security | % of Aditya Birla Sun Life Retirement Fund-The 50s Plan | % of Sundaram Medium Term |
|---|---|---|
| Government of India (06/10/2035) | 19.74% | 17.69% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 17.7% means 17.7% 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 Sundaram Medium Term Fund
| Security | % of fund |
|---|---|
| 6.53% Tamil Nadu State Development Loan 06/01/2031 | 17.92% |
| 6.36% Central Government Securities 16/02/2031 | 12.11% |
| Cholamandalam Investment and Finance Company Ltd - 7.38% - 28/05/2027 | 6.14% |
| Small Industries Development Bank of India - 7.42% - 12/03/2029 | 6.11% |
| National Bank for Agriculture & Rural Development - 7.01% - 16/03/2029 | 6.06% |
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 | Sundaram Medium Term |
|---|---|---|
| Equity | 23.8% | 0.0% |
| Debt | 45.3% | 90.8% |
| Cash and others | 31.0% | 9.2% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Retirement Fund-The 50s Plan | Sundaram Medium Term |
|---|---|---|
| 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 | Sundaram Medium Term |
|---|---|---|
| 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 Sundaram Medium Term: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Retirement Fund-The 50s Plan | Sundaram Medium Term Fund |
|---|---|---|
| Total expense ratio (Direct) | 0.63% | 1.17% |
| Base expense ratio (Direct) | 0.54% | 0.99% |
| Total expense ratio (Regular) | 1.96% | 1.90% |
| Base expense ratio (Regular) | 1.68% | 1.63% |
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.
More comparisons
Each fund against the others of its category
Aditya Birla Sun Life Retirement Fund-The 50s Plan vs Sundaram Medium Term Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Retirement Fund-The 50s Plan and Sundaram Medium Term Fund?
Aditya Birla Sun Life Retirement Fund-The 50s Plan is a Solution fund, Sundaram Medium Term Fund is a Medium Duration fund, run by Aditya Birla Sun Life Mutual Fund and Sundaram Mutual Fund. Their portfolios overlap 17.7%. Aditya Birla Sun Life Retirement Fund-The 50s Plan charges 0.63% a year and Sundaram Medium Term Fund 1.17%.
Which has given higher returns, Aditya Birla Sun Life Retirement Fund-The 50s Plan or Sundaram Medium Term Fund?
Over 1 year: Aditya Birla Sun Life Retirement Fund-The 50s Plan +1.71%, Sundaram Medium Term Fund +2.45%. Over 3 years: Aditya Birla Sun Life Retirement Fund-The 50s Plan +7.79% a year, Sundaram Medium Term Fund +5.74% a year. Over 5 years: Aditya Birla Sun Life Retirement Fund-The 50s Plan +6.70% a year, Sundaram Medium Term Fund +4.74% a year. 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 Sundaram Medium Term Fund?
Aditya Birla Sun Life Retirement Fund-The 50s Plan charges less: 0.63% a year against 1.17%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Retirement Fund-The 50s Plan and Sundaram Medium Term Fund overlap?
17.7%. 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 Sundaram Medium Term Fund?
On SEBI's riskometer, Aditya Birla Sun Life Retirement Fund-The 50s Plan is rated Moderately High and Sundaram Medium Term Fund Moderate. Over 3 years, the standard deviation of daily returns was 3.65% and 1.27% a year.
Which is better for SIP, Aditya Birla Sun Life Retirement Fund-The 50s Plan or Sundaram Medium Term Fund?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,25,028 in Aditya Birla Sun Life Retirement Fund-The 50s Plan (XIRR 6.7% a year) and ₹6,93,743 in Sundaram Medium Term Fund (XIRR 5.0% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Retirement Fund-The 50s Plan and Sundaram Medium Term Fund?
Yes. 17.7% 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 Sundaram Medium Term Fund?
Aditya Birla Sun Life Retirement Fund-The 50s Plan: Mohit Sharma, Harshil Suvarnkar. Sundaram Medium Term Fund: Sandeep Agarwal, Kumaresh Ramakrishnan.
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.