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SEBI's 26 Feb 2026 circular (cl. 2.6.3.16) discontinued the Solution-Oriented category; existing investments continue.
What the Solution-Oriented sunset meansAditya Birla Sun Life Retirement Fund - 40 s · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹19.7220
as of 13 Nov 2026
Expense Ratio
2.39%
AUM
₹115 Cr
Lumpsum returns (CAGR)
- 1Y
- +2.15%
- 3Y
- +10.76%
- 5Y
- +7.63%
- Since Inception
- +9.25%
SIP returns (XIRR)
- 1Y
- +7.87%
- 3Y
- +6.80%
- 5Y
- +9.35%
- Since Inception
- +9.80%
What history actually did — last 7 years (Nov 2019 – Nov 2026)
A ₹5,000 monthly SIP for the last 7 years (Nov 2019 – Nov 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,89,910 today — ₹4,20,000 invested, 9.7% XIRR.
₹4,20,000
Invested
₹5,89,910
Value today
9.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Nov 2019 – Nov 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,94,076 today (9.9% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Nov 2019 would still hold ₹13,50,849.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,89,910 in this fund vs ₹6,21,247 in the benchmark — underperformance of ₹31,337.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Nov 2019 – Nov 2026) (22 Mar 2020) would be ₹2,52,749 today (2.53×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised-0.15
Sharpe Ratio
+0.01
Alpha
0.72
Beta
-0.15
Sortino
9.86%
Std Dev
-10.67%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 30 Sept 2026- Banks19.75%
- Pharmaceuticals & Biotechnology6.58%
- IT - Software5.19%
- Consumer Durables5.18%
- Retailing3.77%
- Insurance3.63%
- Auto Components3.59%
- Non - Ferrous Metals3.27%
- Petroleum Products2.84%
- Cement & Cement Products2.83%
- Healthcare Services2.69%
- Construction2.35%
Each sector links to the mutual funds most exposed to it.
Related reading
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Fund Details
Available transactions
Portfolio holdings
- 1Government Of India (06/10/2035)6.52%
- 2Icici Bank Ltd.6.37%
- 3Hdfc Bank Ltd.4.07%
- 4Government Of India (22/04/2064)3.03%
- 5Infosys Ltd.2.94%
- 6Reliance Industries Ltd.2.84%
- 7Ultratech Cement Ltd.2.83%
- 8Sun Pharmaceutical Industries Ltd.2.76%
- 9State Bank Of India2.50%
- 10Kotak Mahindra Bank Ltd.2.31%
Investment objective — in the AMC’s words
The primary investment objective of the Scheme is income generation and capital appreciation for its investors which will be in line with their retirement goals by investing in a mix of equity, equity related instruments along with debt and money market instruments.
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 ₹115 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?
- •Aggressive investors comfortable with significant short-term volatility
- •Investors with a long-term horizon of 7+ years who can ride out market cycles
- •Individuals planning for retirement with a systematic long-term investment approach
- •SIP investors who can benefit from rupee cost averaging during market fluctuations