Aditya Birla Sun Life Retirement Fund - 40 s · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹18.9640
as of 16 Jun 2026
Expense Ratio
2.39%
AUM
₹113 Cr
Lumpsum returns (CAGR)
- 1Y
- +1.16%
- 3Y
- +11.94%
- 5Y
- +8.54%
- Since Inception
- +9.21%
SIP returns (XIRR)
- 1Y
- +1.74%
- 3Y
- +7.10%
- 5Y
- +9.05%
- Since Inception
- +9.77%
This fund trailed its benchmark
Top performers in Retirement Fund by 5Y CAGR
ICICI Prudential Retirement Fund Pure Equity · Regular · Growth
ICICI Prudential Retirement Fund Hybrid Aggressive · Regular · Growth
HDFC Retirement Savings Fund -Equity · Regular · Growth
SIP since inception — what ₹500/month became
Real NAV backtest from day one
₹43,500
Invested
₹60,598
Value today
9.1%
XIRR (p.a.)
₹500/month SIP from fund inception · Current value as of today
Try SIP Calculator with this fund's history₹1,000 lumpsum at launch — value today
Invested on the fund's first NAV date
₹1,000
Invested
₹1,848
Value today
8.8%
CAGR (p.a.)
One-time investment at fund inception · Growth purely from NAV appreciation
Try Lumpsum Calculator₹10L corpus with ₹5,000/month withdrawals since inception
Corpus is still growing despite monthly payouts
₹10,00,000
Initial corpus
₹4,35,000
Withdrawn
₹12,42,322
Corpus left
+₹6,77,322 net gain — withdrew ₹4,35,000 AND corpus grew
Plan your SWP with real NAV₹6L corpus via 12-month STP from a liquid fund at inception
₹50K/month transferred from HDFC Liquid → this fund at launch
₹6,00,000
Invested
₹11,29,889
Value today
+1.9%
vs lumpsum
STP beat direct lumpsum by 1.9% — reduced timing risk paid off
Model your own STP with real NAV₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹2,36,870
Value today
2.4×
Multiple
Staying invested through that crash turned ₹1L into ₹2,36,870 — a 2.4× return
Read: Staying invested through crashesRisk Metrics
Trailing 1 year, annualised-0.29
Sharpe Ratio
-0.01
Alpha
0.39
Beta
-0.28
Sortino
11.55%
Std Dev
-10.78%
Max Drawdown
Performance Comparison
Thinking about Aditya Birla Sun Life Retirement Fund - 40 s · Regular · Growth?
Talk to our AMFI-registered team — free, no pressure. We'll help you see if this fund fits your goals.
Fund Details
Available transactions
Portfolio holdings
- 1Government Of India (06/10/2035)6.39%
- 2Icici Bank Limited5.93%
- 3Hdfc Bank Limited4.31%
- 4Infosys Limited3.41%
- 5Reliance Industries Limited3.33%
- 6Government Of India (22/04/2064)2.97%
- 7Ultratech Cement Limited2.91%
- 8State Bank Of India2.71%
- 9Sun Pharmaceutical Industries Limited2.67%
- 10Hindalco Industries Limited2.30%
Investment Objective
Aditya Birla Sun Life Retirement Fund - 40 s · Regular · Growth by Aditya Birla Sun Life Mutual Fund is a Retirement Fund fund that aims to generate optimal returns for investors based on its investment mandate. The fund follows a disciplined investment process aligned with SEBI regulations for the Retirement Fund category.
About This Fund
Aditya Birla Sun Life Retirement Fund - 40 s · Regular · Growth is a Retirement Fund mutual fund offered by Aditya Birla Sun Life Mutual Fund. The fund has been operational for over 7 years. It manages assets worth ₹113 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against CRISIL Hybrid 35+65 - Aggressive Index. The current expense ratio is 2.39%.
Who Should Invest?
- •Investors with a high risk appetite seeking long-term wealth creation
- •Investors with an investment horizon of 5 years or more
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations