Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-Growth
Aditya Birla Sun Life Mutual Fund
₹18.7000
₹0.16 (-0.83%)
NAV as of 29 May 2026
Today's NAV — all variants
Regular · Growth
₹₹18.7000
₹0.16 (-0.83%)
29 May 2026
AMFI: 146929
Direct · Growth
₹₹20.8120
₹0.17 (-0.82%)
29 May 2026
AMFI: 146930
Regular · IDCW
₹₹15.2200
₹0.13 (-0.83%)
29 May 2026
AMFI: 146928
Direct · IDCW
₹₹16.9380
₹0.14 (-0.83%)
29 May 2026
AMFI: 146927
Returns (Lumpsum)
CAGR for periods ≥ 1 yearSIP Returns (XIRR)
₹1,000/month SIP, annualisedSIP since inception — what ₹500/month became
Real NAV backtest from day one
₹43,000
Invested
₹60,806
Value today
9.5%
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
₹1,870
Value today
9.1%
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
₹4,30,000
Withdrawn
₹12,61,939
Corpus left
+₹6,91,939 net gain — withdrew ₹4,30,000 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
₹11,42,757
Value today
+1.9%
vs lumpsum
STP beat direct lumpsum by 1.9% — reduced timing risk paid off
Model your own STP with real NAVThis fund trailed its benchmark
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HDFC Retirement Savings Fund - Equity Plan - Growth Option
₹1 lakh on the worst crash day — 22 Mar 2020
Worst single-day Nifty drop during this fund's life
₹1,00,000
Invested
₹2,39,651
Value today
2.4×
Multiple
Staying invested through that crash turned ₹1L into ₹2,39,651 — a 2.4× return
Read: Staying invested through crashesDirect vs Regular — ₹500/month over 7 years
Expense ratio drag on your actual returns
Direct plan
₹63,433
Regular plan
₹59,887
Direct earns ₹3,546 more on a ₹42K investment — 1.21% extra return per year
Same fund, same NAV history — only the expense ratio differs. Direct plans always outperform Regular over time.
Learn about Direct vs Regular plansFund Details
Risk Metrics
Trailing 1 year, annualised-0.32
Sharpe Ratio
-0.01
Alpha
0.35
Beta
-0.30
Sortino
11.63%
Std Dev
-11.31%
Max Drawdown
Portfolio Holdings
Top 50 holdings · as of Mar 2026
| Security | % NAV |
|---|---|
Government of India (06/10/2035) IN0020250091 | 6.83% |
Government of India (06/10/2035) IN0020250091 | 6.39% |
Government of India (22/04/2064) IN0020240035 | 3.14% |
Government of India (22/04/2064) IN0020240035 | 2.97% |
Government of India (17/04/2030) IN0020230036 | 1.92% |
Government of India (17/04/2030) IN0020230036 | 1.81% |
| Security | % NAV |
|---|---|
ICICI Bank Limited INE090A01021 | 6.05% |
ICICI Bank Limited INE090A01021 | 5.93% |
HDFC Bank Limited INE040A01034 | 4.37% |
HDFC Bank Limited INE040A01034 | 4.31% |
Infosys Limited INE009A01021 | 3.85% |
Infosys Limited INE009A01021 | 3.41% |
Reliance Industries Limited INE002A01018 | 3.34% |
Reliance Industries Limited INE002A01018 | 3.33% |
UltraTech Cement Limited INE481G01011 | 2.91% |
UltraTech Cement Limited INE481G01011 | 2.88% |
Sun Pharmaceutical Industries Limited INE044A01036 | 2.77% |
State Bank of India INE062A01020 | 2.71% |
Sun Pharmaceutical Industries Limited INE044A01036 | 2.67% |
State Bank of India INE062A01020 | 2.66% |
Hindalco Industries Limited INE038A01020 | 2.30% |
Axis Bank Limited INE238A01034 | 2.25% |
Axis Bank Limited INE238A01034 | 2.20% |
Larsen & Toubro Limited INE018A01030 | 2.13% |
Hindalco Industries Limited INE038A01020 | 2.09% |
Kotak Mahindra Bank Limited INE237A01036 | 2.07% |
Kotak Mahindra Bank Limited INE237A01036 | 2.04% |
Larsen & Toubro Limited INE018A01030 | 1.99% |
Vedanta Limited INE205A01025 | 1.86% |
NTPC Limited INE733E01010 | 1.80% |
NTPC Limited INE733E01010 | 1.79% |
ICICI Lombard General Insurance Company Limited INE765G01017 | 1.78% |
ICICI Lombard General Insurance Company Limited INE765G01017 | 1.72% |
Bajaj Auto Limited INE917I01010 | 1.70% |
Avenue Supermarts Limited INE192R01011 | 1.62% |
Torrent Pharmaceuticals Limited INE685A01028 | 1.60% |
Bajaj Auto Limited INE917I01010 | 1.60% |
Bank of Maharashtra INE457A01014 | 1.56% |
Apollo Hospitals Enterprise Limited INE437A01024 | 1.54% |
Brigade Enterprises Limited INE791I01019 | 1.54% |
Oil & Natural Gas Corporation Limited INE213A01029 | 1.51% |
Avenue Supermarts Limited INE192R01011 | 1.50% |
Apollo Hospitals Enterprise Limited INE437A01024 | 1.49% |
Oil & Natural Gas Corporation Limited INE213A01029 | 1.49% |
Torrent Pharmaceuticals Limited INE685A01028 | 1.48% |
Bharti Hexacom Limited INE343G01021 | 1.43% |
SAI Life Sciences Ltd INE570L01029 | 1.42% |
SAI Life Sciences Ltd INE570L01029 | 1.38% |
Brigade Enterprises Limited INE791I01019 | 1.36% |
Bharti Hexacom Limited INE343G01021 | 1.34% |
Performance Comparison
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Investment Objective
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-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-The 40s Plan-Regular Plan-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