Closed to new subscriptions
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
₹18.7740
as of 28 Sept 2026
Expense Ratio
2.39%
AUM
₹112 Cr
Lumpsum returns (CAGR)
- 1Y
- +0.95%
- 3Y
- +8.83%
- 5Y
- +7.17%
- Since Inception
- +8.70%
SIP returns (XIRR)
- 1Y
- -1.57%
- 3Y
- +4.38%
- 5Y
- +7.71%
- Since Inception
- +8.82%
What history actually did — last 7 years (Sept 2019 – Sept 2026)
A ₹5,000 monthly SIP for the last 7 years (Sept 2019 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹5,70,526 today — ₹4,20,000 invested, 8.7% XIRR.
₹4,20,000
Invested
₹5,70,526
Value today
8.7%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 7 years (Sept 2019 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 7 years ago would be ₹1,89,235 today (9.5% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2019 would still hold ₹13,21,823.
Fund vs Benchmark (TRI)
Same SIP, benchmark total-return index
The same SIP would be worth ₹5,70,526 in this fund vs ₹5,74,632 in the benchmark — underperformance of ₹4,106.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 7 years (Sept 2019 – Sept 2026) (22 Mar 2020) would be ₹2,40,600 today (2.41×).
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, annualised0.22
Sharpe Ratio
+0.06
Alpha
0.40
Beta
0.22
Sortino
10.36%
Std Dev
-10.67%
Max Drawdown
Performance Comparison
Sectoral allocation
as of 31 Aug 2026- Banks19.77%
- Pharmaceuticals & Biotechnology6.49%
- IT - Software5.58%
- Consumer Durables5.25%
- Insurance3.60%
- Auto Components3.58%
- Retailing3.56%
- Non - Ferrous Metals3.31%
- Petroleum Products2.89%
- Healthcare Services2.86%
- Cement & Cement Products2.80%
- Construction2.41%
Each sector links to the mutual funds most exposed to it.
Related reading
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
- 1Icici Bank Ltd.6.64%
- 2Government Of India (06/10/2035)6.28%
- 3Hdfc Bank Ltd.3.86%
- 4Infosys Ltd.3.18%
- 5Government Of India (22/04/2064)2.90%
- 6Reliance Industries Ltd.2.89%
- 7Sun Pharmaceutical Industries Ltd.2.85%
- 8Ultratech Cement Ltd.2.80%
- 9State Bank Of India2.62%
- 10Axis Bank Ltd.2.24%
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 ₹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?
- •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