Aditya Birla Sun Life Retirement Fund - 40 s · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹19.6360
as of 03 Aug 2026
Expense Ratio
2.39%
AUM
₹112 Cr
Lumpsum returns (CAGR)
- 1Y
- +5.71%
- 3Y
- +10.86%
- 5Y
- +8.65%
- Since Inception
- +9.55%
SIP returns (XIRR)
- 1Y
- +8.17%
- 3Y
- +8.23%
- 5Y
- +10.02%
- Since Inception
- +10.36%
What history actually did — last 7 years (Aug 2019 – Aug 2026)
A ₹5,000 monthly SIP for the last 7 years (Aug 2019 – Aug 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,96,778 today — ₹4,15,000 invested, 10.4% XIRR.
₹4,15,000
Invested
₹5,96,778
Value today
10.4%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Aug 2019 – Aug 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹2,08,053 today (11.0% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Aug 2019 would still hold ₹14,83,747.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,96,778 in this fund vs ₹6,26,419 in the benchmark — underperformance of ₹29,641.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Aug 2019 – Aug 2026) (22 Mar 2020) would be ₹2,51,647 today (2.52×).
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, annualised0.11
Sharpe Ratio
+0.04
Alpha
0.41
Beta
0.11
Sortino
11.11%
Std Dev
-10.67%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1Government Of India (06/10/2035)6.50%
- 2Icici Bank Limited6.44%
- 3Hdfc Bank Limited4.45%
- 4Government Of India (22/04/2064)3.05%
- 5Reliance Industries Limited3.01%
- 6Infosys Limited2.88%
- 7Ultratech Cement Limited2.82%
- 8Sun Pharmaceutical Industries Limited2.74%
- 9State Bank Of India2.60%
- 10Axis Bank Limited2.38%
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 ₹112 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