Aditya Birla Sun Life Retirement Fund - The 40s Plan
Retirement SolutionsVery HighOPEN-ENDED
- NAV as on 6 Nov 2026
- ₹19.55+1.00%1 day
- Return since launch
- 9.1%
- 52-week range
- ₹17.48 — ₹19.72
- AUM
- ₹110 Cr
Aditya Birla Sun Life Retirement Fund - The 40s Plan is a Retirement Solutions hybrid fund from Aditya Birla Sun Life Mutual Fund with ₹110 Cr under management, launched in 2019. Over three years it has returned 6.4% a year, against 8.6% for its category. The expense ratio is 2.42% and the SEBI riskometer reading is Very High.
Performance
Aditya Birla Sun Life Retirement Fund - The 40s Plan NAV and returns
Growth of the fund against its category average over the period you pick.
Over 1Y this fund returned +1.8% against +0.3% for its category.
Performance
Returns
How the fund has done against its category and its benchmark.
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1Y | 6.0% | +4.6 pts | 1.4% | 3.0% |
| 2Y | 5.3% | +1.1 pts | 4.2% | 3.3% |
| 3Y | 6.4% | −2.2 pts | 8.6% | 4.5% |
| 5Y | 9.1% | +2.0 pts | 7.0% | 7.3% |
| 7Y | 9.5% | 0.0 pts | 9.5% | 8.2% |
| Period | Fund | vs category | Category | Benchmark |
|---|---|---|---|---|
| 1M | 5.1% | +1.9 pts | 3.2% | 3.7% |
| 3M | -0.5% | +0.3 pts | -0.7% | -0.7% |
| 6M | 2.8% | +0.9 pts | 1.9% | 2.9% |
| 1Y | 1.8% | +0.4 pts | 1.4% | 0.1% |
| 2Y | 4.0% | +1.1 pts | 2.9% | 3.3% |
| 3Y | 10.7% | +2.1 pts | 8.6% | 8.5% |
| 5Y | 7.7% | +0.6 pts | 7.0% | 7.0% |
| 7Y | 9.6% | −0.3 pts | 9.9% | 9.0% |
Since launch (19 Feb 2019): 9.1%
Calendar-year returns
Category average14.5%
10.8%
0.2%
19.0%
17.4%
4.4%
Show as a table
| Period | Fund | vs category | Category |
|---|---|---|---|
| 2025 | 4.4% | −2.1 pts | 6.5% |
| 2024 | 17.4% | +2.6 pts | 14.8% |
| 2023 | 19.0% | +0.4 pts | 18.6% |
| 2022 | 0.2% | −2.2 pts | 2.4% |
| 2021 | 10.8% | −4.2 pts | 15.0% |
| 2020 | 14.5% | 0.0 pts | 14.5% |
Returns over one year are annualised. Shorter periods are absolute.
Costs & terms
Costs and terms
What the fund charges each year, and the rules around putting money in and taking it out.
Costs
2.42%
Expense ratio as on 5 Nov 2026
Charged yearly and already deducted from the NAV.
- Base expense
- 2.09%
- Brokerage
- 0.00%
- Transaction charges
- 0.00%
- Statutory levies
- 0.33%
- Exit load
- 0%
- Lock-in
- 5 years
Terms
- Min SIP
- ₹3,000
- Min lumpsum
- ₹5,000
- Plan
- GROWTH
- Fund type
- OPEN-ENDED
- Benchmark
- CRISIL Hybrid 35+65 Aggressive Index
Risk
Risk
What the riskometer means for this fund, and how its ratios sit against the category.
Very High
Your principal is treated as being at very high risk — typically small cap, sectoral and thematic equity schemes.
| Ratio | Fund | Category avg | Read as |
|---|---|---|---|
| Alpha | — | — | Return earned above what the benchmark alone would have given. Higher is better. |
| Beta | — | — | How hard the fund moves when the market moves. Under 1 is steadier than the market. |
| Sharpe | 0.35 | 0.42 | Return earned for each unit of total risk taken. Higher is better. |
| Sortino | 0.44 | 0.56 | Return earned for each unit of downside risk. Higher is better. |
| Std. deviation | 11.55 | 13.71 | How widely monthly returns have varied around their own average. Lower is steadier. |
| Average of 4 category peers | |||
Portfolio
Aditya Birla Sun Life Retirement Fund - The 40s Plan portfolio
Portfolio as of 30 Sep 2026
Asset allocation
- Equity78.2%
- Debt13.2%
- Other8.6%
Market cap split
- Large64.6%
- Mid17.4%
- Small18.0%
- P/E
- 21.07
- P/B
- 2.99
Top holdings
| Holding | Sector | Weight | Value | 3M chg | 6M chg | 1Y chg |
|---|---|---|---|---|---|---|
| Others | Others | 8.58% | ₹9.43 Cr | +1.89% | +2.77% | +0.93% |
| ICICI Bank Ltd. | Financial | 6.37% | ₹7.01 Cr | +6.44% | +6.05% | +7.11% |
| HDFC Bank Ltd. | Financial | 4.99% | ₹5.48 Cr | +8.90% | +8.74% | +10.58% |
| GOI | Sovereign | 3.03% | ₹3.33 Cr | +3.05% | +3.14% | +3.11% |
| Infosys Ltd. | Technology | 2.94% | ₹3.24 Cr | +2.88% | +3.85% | +4.36% |
| Reliance Industries Ltd. | Energy | 2.84% | ₹3.12 Cr | +3.01% | +3.34% | +3.16% |
| Ultratech Cement Ltd. | Materials | 2.83% | ₹3.10 Cr | +2.82% | +2.88% | +3.05% |
| Sun Pharmaceutical Industries Ltd. | Healthcare | 2.76% | ₹3.03 Cr | +2.74% | +2.77% | +2.34% |
| State Bank of India | Financial | 2.50% | ₹2.75 Cr | +2.60% | +2.66% | +2.20% |
| Kotak Mahindra Bank Ltd. | Financial | 2.31% | ₹2.54 Cr | +2.11% | +2.04% | +2.14% |
| Axis Bank Ltd. | Financial | 2.23% | ₹2.45 Cr | +2.38% | +2.20% | +1.99% |
| Hindalco Industries Ltd. | Metals & Mining | 2.14% | ₹2.35 Cr | +2.11% | +2.09% | +1.68% |
| Sai Life Sciences Ltd. | Healthcare | 2.08% | ₹2.29 Cr | +1.64% | +1.38% | +1.52% |
| Larsen & Toubro Ltd. | Construction | 2.05% | ₹2.26 Cr | +2.20% | +1.99% | +2.90% |
| Coforge Ltd. | Technology | 1.98% | ₹2.17 Cr | +1.61% | +1.31% | +1.74% |
| Torrent Pharmaceuticals Ltd. | Healthcare | 1.75% | ₹1.92 Cr | +1.63% | +1.60% | +1.27% |
| SJS Enterprises Ltd. | Automobile | 1.64% | ₹1.81 Cr | +1.57% | +1.17% | +1.41% |
| Apollo Hospitals Enterprise Ltd. | Healthcare | 1.63% | ₹1.80 Cr | +1.69% | +1.54% | +1.44% |
| Bank of Maharashtra | Financial | 1.63% | ₹1.79 Cr | +1.82% | +1.31% | +1.11% |
| Bajaj Auto Ltd. | Automobile | 1.63% | ₹1.79 Cr | +1.65% | +1.60% | +1.47% |
| ICICI Lombard General Insurance Company Ltd. | Insurance | 1.59% | ₹1.75 Cr | +1.69% | +1.78% | +1.83% |
| Brigade Enterprises Ltd. | Construction | 1.54% | ₹1.69 Cr | +1.30% | +1.36% | +1.74% |
| NTPC Ltd. | Energy | 1.50% | ₹1.65 Cr | +1.61% | +1.79% | +1.53% |
| Eternal Ltd. | Services | 1.46% | ₹1.60 Cr | +1.17% | +1.08% | +1.43% |
| TD Power Systems Ltd. | Capital Goods | 1.43% | ₹1.57 Cr | +1.09% | +0.81% | +0.82% |
| Avenue Supermarts Ltd. | Services | 1.38% | ₹1.52 Cr | +1.55% | +1.50% | +1.58% |
| Dixon Technologies (India) Ltd. | Capital Goods | 1.33% | ₹1.47 Cr | +1.18% | +1.02% | +1.61% |
| BlueStone Jewellery and Lifestyle Ltd. | Consumer Discretionary | 1.30% | ₹1.43 Cr | +1.45% | +1.33% | +2.12% |
| Bharti Hexacom Ltd. | Communication | 1.30% | ₹1.42 Cr | +1.31% | +1.43% | +1.46% |
| Titan Company Ltd. | Consumer Discretionary | 1.21% | ₹1.33 Cr | +1.13% | +1.09% | +0.86% |
| Oil And Natural Gas Corporation Ltd. | Energy | 1.15% | ₹1.26 Cr | +1.16% | +1.51% | +1.18% |
| Vedanta Aluminium Metal Ltd. | Metals & Mining | 1.13% | ₹1.24 Cr | +1.19% | — | — |
| Max Financial Services Ltd. | Financial | 1.12% | ₹1.24 Cr | +1.26% | +1.27% | +1.25% |
| Sona BLW Precision Forgings Ltd. | Automobile | 1.06% | ₹1.16 Cr | +0.77% | +0.64% | +0.51% |
| Fortis Healthcare Ltd. | Healthcare | 1.05% | ₹1.16 Cr | +1.27% | +1.13% | +1.97% |
| SBFC Finance Ltd. | Financial | 0.98% | ₹1.07 Cr | +1.01% | +0.96% | +1.17% |
| Bajaj Finance Ltd. | Financial | 0.95% | ₹1.04 Cr | +0.96% | +0.82% | +0.95% |
| Meesho Ltd. | Services | 0.93% | ₹1.03 Cr | +0.77% | +0.60% | — |
| Ceat Ltd. | Automobile | 0.89% | ₹0.98 Cr | +0.92% | +0.92% | +0.89% |
| Thermax Ltd. | Capital Goods | 0.84% | ₹0.93 Cr | +1.25% | +0.84% | +0.76% |
| Adani Ports and Special Economic Zone Ltd. | Services | 0.82% | ₹0.90 Cr | +0.80% | +0.62% | +0.62% |
| SBI Life Insurance Company Ltd. | Insurance | 0.77% | ₹0.85 Cr | +0.78% | +0.84% | +0.79% |
| Mrs. Bectors Food Specialities Ltd. | Consumer Staples | 0.74% | ₹0.81 Cr | +0.62% | +0.67% | +0.87% |
| Devyani International Ltd. | Services | 0.74% | ₹0.81 Cr | +0.61% | +0.56% | +0.92% |
| Vedanta Ltd. | Metals & Mining | 0.71% | ₹0.78 Cr | +0.74% | +1.86% | +1.23% |
| Voltas Ltd. | Consumer Discretionary | 0.68% | ₹0.75 Cr | +0.79% | +0.84% | +0.95% |
| Whirlpool Of India Ltd. | Consumer Discretionary | 0.65% | ₹0.71 Cr | +0.57% | +0.60% | +0.84% |
| Bank Of Baroda | Financial | 0.63% | ₹0.69 Cr | +0.72% | +0.70% | +0.68% |
| Timken India Ltd. | Capital Goods | 0.63% | ₹0.69 Cr | +0.68% | +0.67% | +0.58% |
| Godrej Consumer Products Ltd. | Consumer Staples | 0.50% | ₹0.55 Cr | +0.58% | +0.61% | +0.67% |
| Vinati Organics Ltd. | Chemicals | 0.49% | ₹0.54 Cr | +0.54% | +0.58% | +0.70% |
| H.G. Infra Engineering Ltd. | Construction | 0.30% | ₹0.33 Cr | +0.39% | +0.31% | +0.63% |
| Birlasoft Ltd. | Technology | 0.27% | ₹0.30 Cr | +0.28% | +0.34% | +0.34% |
| Cholamandalam Investment and Finance Company Ltd. | Financial | 0.25% | ₹0.27 Cr | +0.27% | +0.22% | +0.24% |
| Medi Assist Healthcare Services Ltd. | Services | 0.14% | ₹0.15 Cr | +0.16% | +0.14% | +0.23% |
| Vedanta Oil and Gas Ltd | Energy | 0.09% | ₹0.10 Cr | +0.09% | — | — |
| Vedanta Power Ltd | Capital Goods | 0.09% | ₹0.10 Cr | +0.11% | — | — |
| Vedanta Iron And Steel Ltd. | Metals & Mining | 0.09% | ₹0.10 Cr | +0.09% | — | — |
| SBI Funds Management Ltd. | Financial | 0.09% | ₹0.09 Cr | — | — | — |
Sectors
Instruments
Recent changes
| Holding | From | To | Weight |
|---|---|---|---|
| ICICI Bank Ltd. | 6.64% | 6.37% | -0.27% |
| Infosys Ltd. | 3.18% | 2.94% | -0.24% |
| HDFC Bank Ltd. | 3.86% | 4.07% | +0.21% |
| Sai Life Sciences Ltd. | 1.89% | 2.08% | +0.19% |
| Coforge Ltd. | 2.12% | 1.98% | -0.15% |
| Meesho Ltd. | 0.80% | 0.93% | +0.14% |
| Adani Ports and Special Economic Zone Ltd. | 0.69% | 0.82% | +0.13% |
| GOI | 2.90% | 3.03% | +0.13% |
| Brigade Enterprises Ltd. | 1.66% | 1.54% | -0.12% |
| Fortis Healthcare Ltd. | 1.17% | 1.05% | -0.12% |
| Others | 0.46% | 0.34% | -0.12% |
| State Bank of India | 2.62% | 2.50% | -0.12% |
| Kotak Mahindra Bank Ltd. | 2.20% | 2.31% | +0.11% |
| ICICI Lombard General Insurance Company Ltd. | 1.49% | 1.59% | +0.11% |
| Dixon Technologies (India) Ltd. | 1.43% | 1.33% | -0.10% |
| Sun Pharmaceutical Industries Ltd. | 2.85% | 2.76% | -0.10% |
| Max Financial Services Ltd. | 1.22% | 1.12% | -0.10% |
| Whirlpool Of India Ltd. | 0.55% | 0.65% | +0.09% |
| SBFC Finance Ltd. | 1.07% | 0.98% | -0.09% |
| Bajaj Auto Ltd. | 1.72% | 1.63% | -0.09% |
| TD Power Systems Ltd. | 1.34% | 1.43% | +0.09% |
| Sona BLW Precision Forgings Ltd. | 0.98% | 1.06% | +0.08% |
| Thermax Ltd. | 0.92% | 0.84% | -0.08% |
| SJS Enterprises Ltd. | 1.72% | 1.64% | -0.07% |
| Titan Company Ltd. | 1.28% | 1.21% | -0.06% |
| NTPC Ltd. | 1.44% | 1.50% | +0.06% |
| Reliance Industries Ltd. | 2.89% | 2.84% | -0.05% |
| Apollo Hospitals Enterprise Ltd. | 1.69% | 1.63% | -0.05% |
| Hindalco Industries Ltd. | 2.19% | 2.14% | -0.05% |
| Eternal Ltd. | 1.41% | 1.46% | +0.04% |
| Bajaj Finance Ltd. | 0.99% | 0.95% | -0.04% |
| Avenue Supermarts Ltd. | 1.34% | 1.38% | +0.04% |
| Voltas Ltd. | 0.72% | 0.68% | -0.04% |
| Larsen & Toubro Ltd. | 2.09% | 2.05% | -0.04% |
| Vinati Organics Ltd. | 0.53% | 0.49% | -0.04% |
| Bharti Hexacom Ltd. | 1.33% | 1.30% | -0.04% |
| BlueStone Jewellery and Lifestyle Ltd. | 1.27% | 1.30% | +0.03% |
| Bank of Maharashtra | 1.59% | 1.63% | +0.03% |
| Oil And Natural Gas Corporation Ltd. | 1.12% | 1.15% | +0.03% |
| Timken India Ltd. | 0.60% | 0.63% | +0.03% |
| Mrs. Bectors Food Specialities Ltd. | 0.77% | 0.74% | -0.03% |
| Ultratech Cement Ltd. | 2.80% | 2.83% | +0.03% |
| H.G. Infra Engineering Ltd. | 0.32% | 0.30% | -0.02% |
| SBI Life Insurance Company Ltd. | 0.75% | 0.77% | +0.02% |
| Cholamandalam Investment and Finance Company Ltd. | 0.27% | 0.25% | -0.02% |
| Bank Of Baroda | 0.62% | 0.63% | +0.01% |
| Vedanta Ltd. | 0.72% | 0.71% | -0.01% |
| Vedanta Oil and Gas Ltd | 0.10% | 0.09% | -0.01% |
| Axis Bank Ltd. | 2.24% | 2.23% | -0.01% |
| Vedanta Iron And Steel Ltd. | 0.10% | 0.09% | -0.01% |
| Ceat Ltd. | 0.88% | 0.89% | +0.01% |
| Devyani International Ltd. | 0.74% | 0.74% | -0.01% |
| SBI Funds Management Ltd. | 0.09% | 0.09% | -0.01% |
| Medi Assist Healthcare Services Ltd. | 0.14% | 0.14% | 0.00% |
| Birlasoft Ltd. | 0.28% | 0.27% | 0.00% |
| Vedanta Aluminium Metal Ltd. | 1.13% | 1.13% | 0.00% |
| Godrej Consumer Products Ltd. | 0.50% | 0.50% | 0.00% |
| Vedanta Power Ltd | 0.09% | 0.09% | 0.00% |
| Torrent Pharmaceuticals Ltd. | 1.75% | 1.75% | 0.00% |
Compare
Similar funds
The rest of the category, so this fund’s numbers have something to sit against.
| Fund | AUM | Expense | 1Y | 3Y | 5Y |
|---|---|---|---|---|---|
| Category average | ₹1,079 Cr | 2.42% | 5.3% | 5.9% | 9.9% |
 Tata Retirement Savings Moderate Fund | ₹2,115 Cr | 2.16% | 8.2% | 6.6% | 10.0% |
 ICICI Prudential Retirement Fund - Hybrid Aggressive Plan | ₹1,268 Cr | 2.45% | 0.6% | 7.3% | 12.8% |
 Axis Retirement Fund - Aggressive Plan | ₹666 Cr | 2.49% | 5.7% | 4.6% | 8.0% |
| Axis Retirement Fund - Dynamic Plan | ₹269 Cr | 2.56% | 6.7% | 4.9% | 8.6% |
About
About this fund
The scheme’s own words, its benchmark and the people running it.
Investment objective
The Scheme seeks to invests predominantly in equity and equity related instruments with marginal allocation to debt and money market instruments.
Fund managers
- Harshil SuvarnkarMr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law.Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,
- Mohit SharmaMr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta).Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).
Tools
Return calculator
What ₹10,000 a month in this fund would have grown to over each period, based on its past returns.
₹
| Over the past | Total investment | Would’ve become | Growth | Returns |
|---|---|---|---|---|
| 6 months2.78% absolute | ₹60,000 | ₹61,668 | 2.78% | |
| 1 year1.80% annualised | ₹1,20,000 | ₹1,21,176 | 0.98% | |
| 3 years10.68% annualised | ₹3,60,000 | ₹4,25,923 | 18.31% | |
| 5 years7.66% annualised | ₹6,00,000 | ₹7,32,942 | 22.16% |
Returns for 1 year and longer are annualised (CAGR); 6-month figures are absolute. Past returns are not a forecast.
How this is calculated
Each monthly instalment grows at the fund’s annualised return ÷ 12 per month until the end of the period, the same formula as our SIP calculator.
The amount compounds once a year at the fund’s CAGR for that period, the same formula as our lumpsum calculator.
Questions
Frequently asked questions
The things people ask about this scheme.
What is the NAV of Aditya Birla Sun Life Retirement Fund - The 40s Plan?
The NAV of Aditya Birla Sun Life Retirement Fund - The 40s Plan is ₹19.55 as on 6 Nov 2026.
What is the expense ratio of Aditya Birla Sun Life Retirement Fund - The 40s Plan?
The expense ratio of Aditya Birla Sun Life Retirement Fund - The 40s Plan is 2.42% per year.
What is the minimum SIP amount for Aditya Birla Sun Life Retirement Fund - The 40s Plan?
You can start a SIP in Aditya Birla Sun Life Retirement Fund - The 40s Plan with ₹3,000 a month.
What returns has Aditya Birla Sun Life Retirement Fund - The 40s Plan given?
Aditya Birla Sun Life Retirement Fund - The 40s Plan has returned 6.0% over 1 year, 6.4% over 3 years and 9.1% over 5 years (annualised).
Is there a lock-in or exit load on Aditya Birla Sun Life Retirement Fund - The 40s Plan?
Lock-in: 5 years. Exit load: 0%.
How risky is Aditya Birla Sun Life Retirement Fund - The 40s Plan?
Aditya Birla Sun Life Retirement Fund - The 40s Plan is rated Very High on the SEBI riskometer and belongs to the Retirement Solutions category.
Which fund house manages Aditya Birla Sun Life Retirement Fund - The 40s Plan?
Aditya Birla Sun Life Retirement Fund - The 40s Plan is managed by Aditya Birla Sun Life Mutual Fund, which runs 86 schemes with ₹4,46,664 Cr under management.