Aditya Birla Sun Life Retirement Fund-The 40s Plan is a mutual fund run by Aditya Birla Sun Life Mutual Fund. On 30-09-2026, it managed ₹110 Cr of investors' money. In the 3 years to 30-10-2026, its Direct plan returned 10.8% a year and its Regular plan returned 9.3% a year.
NAV (Direct plan)
₹20.75
▲ 0.28% · 30-10-2026
NAV (Regular plan)
₹18.55
▲ 0.28% · 30-10-2026
Expense ratio
1.18%Direct2.42%Regular
1.18%
A year
Riskometer
Very High
Set by the fund house
3 year return
10.8%Direct9.3%Regular
10.8%
A year
Aditya Birla Sun Life Retirement Fund-The 40s Plan NAV Today
NAV on 30-10-2026: Direct Plan Growth ₹20.75 (up 0.28% that day); Regular Plan Growth ₹18.55 (up 0.28% that day).
This fund (Direct plan)
₹20.752
Aditya Birla Sun Life Retirement Fund-The 40s Plan Returns
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
Trailing returns
Period
1M
3M
6M
1Y
3Y
5Y
10Y
This fund (Direct)
−0.54%
−3.90%
−0.37%
−3.62%
+10.78%
+8.57%
--
This fund (Regular)
−0.64%
−4.20%
−1.01%
−4.88%
+9.28%
+7.07%
--
Category average
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Best in category
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Worst in category
--
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Rank in category
--
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No category comparison is shown: this fund's category is too broad to compare, or has fewer than five funds. This fund's benchmark is CRISIL Hybrid 35+65 - Aggressive Index. Returns of that index are not available to us.
Aditya Birla Sun Life Retirement Fund-The 40s Plan Year-wise Returns
Return of each calendar year
Year
Direct
Regular
2026to date
−2.30%
−3.36%
2025
+5.82%
+4.38%
2024
+19.20%
+17.54%
2023
+20.66%
+18.98%
2022
+1.61%
+0.15%
2021
+12.52%
+10.76%
Aditya Birla Sun Life Retirement Fund-The 40s Plan Rolling Returns
The return of every holding period in the fund's history, not only the one that ends today
Rolling returns
Each point is the yearly return of one 3-year holding period, plotted on the day it ended. There are 1,141 periods, one for each trading day from 14-03-2022 to 30-10-2026.
0%5%10%15%20%
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
Jul 2019 to Jul 2022May 2020 to May 2023Feb 2021 to Feb 2024Dec 2021 to Dec 2024Sept 2022 to Sept 2025Jun 2023 to Jun 2026
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
0%
Below 0%
0%
0-5%
13%
5-10%
72%
10-15%
15%
15-20%
0%
20-25%
0%
Above 25%
Every holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
1 year
1,636
10.3%
−20.7%
58.8%
12%
2 years
1,387
13.3%
1.0%
29.1%
0%
3 years
1,141
12.7%
6.7%
18.9%
0%
5 years
649
12.9%
7.8%
19.2%
0%
7 years
156
11.2%
9.7%
12.8%
0%
Every SIP holding period at a glance
Period
Periods
Median
Lowest
Highest
With a loss
1 year
80
10.9%
−27.3%
43.1%
18%
2 years
68
12.4%
−0.8%
27.9%
1%
3 years
56
11.5%
4.8%
21.7%
0%
5 years
32
13.5%
8.5%
17.8%
0%
Lumpsum: the yearly rate (CAGR) from the NAV on a period's first day to the NAV on its last. SIP: the XIRR of the monthly instalments and their value on the last day. "With a loss" counts the periods that ended below the money put in. Past returns do not promise future returns.
Aditya Birla Sun Life Retirement Fund-The 40s Plan Risk
How much it swings, and the falls an investor had to sit through
Risk and return
Measure
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)This fund
Return (CAGR)
−3.62%
Standard deviation
10.66%
Sharpe ratio
-0.83
Sortino ratio
-1.11
Maximum drawdown
−9.8%
(30-03-2026)
From daily NAVs, 30-10-2025 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)This fund
Return (CAGR)
+10.78%
Standard deviation
10.66%
Sharpe ratio
0.45
Sortino ratio
0.61
Maximum drawdown
−11.1%
(28-02-2025)
From daily NAVs, 30-10-2023 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)This fund
Return (CAGR)
+8.57%
Standard deviation
10.53%
Sharpe ratio
0.26
Sortino ratio
0.36
Maximum drawdown
−14.6%
(17-06-2022)
From daily NAVs, 29-10-2021 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Measure
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)This fund
Return (CAGR)
+10.02%
Standard deviation
11.94%
Sharpe ratio
0.41
Sortino ratio
0.54
Maximum drawdown
−27.3%
(23-03-2020)
From daily NAVs, 13-03-2019 to 30-10-2026. Standard deviation: how much the daily value swings, scaled to a year. Sharpe: return above the risk-free rate (NSE's overnight rate index) per unit of swing. Sortino: the same, counting only the falls.
Drawdowns
How far below its previous high each one was on every day: the falls an investor had to sit through. 0% means it was at a new high.
−30%−25%−20%−15%−10%−5%0%
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
2020202120222023202420252026
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
Worst fall
High before it
Bottom
Back at the high
Time to climb back
Below its high today
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
−27.3%
13-02-2020
23-03-2020
26-08-2020
5 months
−5.7%
From the Direct plan's daily NAV since 13-03-2019, adjusted for unit splits. "Time to climb back" runs from the bottom to the first day back at the old high.
Aditya Birla Sun Life Retirement Fund-The 40s Plan Expense Ratio and Costs
What each plan charges a year, in force from 02-09-2026
Plan
Base expense ratio
Brokerage
Transaction costs
Levies and GST
Total expense ratio
Direct
1.00%
0.00%
0.00%
0.18%
1.18%
Regular
2.09%
0.00%
0.00%
0.33%
2.42%
The expense ratio comes out of the fund's assets every day, so every return on this page is already after it. Base expense ratio: the fund house's own fee. The total adds brokerage, the cost of executing trades, and statutory levies with GST. From AMFI's expense ratio file.
Direct vs Regular: what the gap cost
Both plans own the same portfolio, so the difference in what they earned is the Regular plan's extra cost, taken out of its NAV.
Over the last
Regular
Direct
Direct earned more by
₹1 lakh became (Regular)
₹1 lakh became (Direct)
1 year
−4.88%
−3.62%
1.26%
₹95,120
₹96,380
3 years
9.28%
10.78%
1.50% a year
₹1,30,503
₹1,35,952
5 years
7.07%
8.57%
1.50% a year
₹1,40,715
₹1,50,851
Returns over more than 1 year are a rate a year (CAGR). ₹1 lakh invested once at the start of each period, valued on the last NAV.
Aditya Birla Sun Life Retirement Fund-The 40s Plan SIP Calculator
What a one-time or monthly investment in this fund would be worth today, from its own NAV history
Growth of an investment
Step up each year
PeriodFor
₹10,000 on the first trading day of every month, from 13-03-2019 to 30-10-2026: 92 instalments, ₹9,20,000 in all.
Investment
Invested
Value now
Gain
Return a year
Direct planAditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
₹9,20,000
₹13,54,880
₹4,34,880
9.9%
Regular planAditya Birla Sun Life Retirement Fund-The 40s Plan (Regular)
₹9,20,000
₹12,73,265
₹3,53,265
8.3%
₹0₹5.0 L₹10.0 L₹15.0 L
Direct planAditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
Regular planAditya Birla Sun Life Retirement Fund-The 40s Plan (Regular)
Amount invested
2020202120222023202420252026
Direct planAditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)Regular planAditya Birla Sun Life Retirement Fund-The 40s Plan (Regular)Amount invested
From each plan's published NAV (Growth option), over the same days. Return a year: XIRR for a SIP, CAGR for a lumpsum, shown for a year or more. It does not include exit load, stamp duty or tax. Past returns do not promise future returns.
Aditya Birla Sun Life Retirement Fund-The 40s Plan Asset Allocation
Asset allocation as on 30-09-2026
What the fund holds
78.2%Equity
Asset
Fund
Equity
78.2%
Debt
13.2%
Cash and others
8.6%
Market cap of stocks
Market cap
Fund
Large Cap
50.5%
Mid Cap
13.5%
Small Cap
12.7%
Not on AMFI's list
1.5%
Share of the whole fund. Groups follow AMFI's latest list, as SEBI defines them: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Credit rating
Bonds and money market papers by credit rating, % of the fund.
Rating
Fund
Sovereign
12.3%
AAA and A1+
0.9%
Aditya Birla Sun Life Retirement Fund-The 40s Plan Sector Allocation
Sector allocation of the fund's stocks as on 30-09-2026
Largest sectors
Banks19.8%
Pharmaceuticals & Biotechnology6.6%
IT - Software5.2%
Consumer Durables5.2%
Retailing3.8%
Insurance3.6%
Auto Components3.6%
Non - Ferrous Metals3.3%
Petroleum Products2.8%
Cement & Cement Products2.8%
The ten largest of 28 sectors. The other 18 add up to 21.6%.
Sector changes
Sector
July 2026
August 2026
September 2026
Change
Banks
19.6%
19.8%
19.8%
+0.2%
Pharmaceuticals & Biotechnology
6.3%
6.5%
6.6%
+0.2%
IT - Software
5.3%
5.6%
5.2%
−0.1%
Consumer Durables
6.1%
5.3%
5.2%
−0.9%
Retailing
3.4%
3.6%
3.8%
+0.4%
Each sector's share of the fund at the end of each month. The five largest sectors of September 2026. Change: from July 2026 to September 2026, in % of the fund.
Aditya Birla Sun Life Retirement Fund-The 40s Plan Portfolio Holdings
As on 30-09-2026 · 62 holdings · from the fund house's monthly portfolio
Holdings
Sector / Rating
Weight%
Holdings trend
1M change
Government of India (06/10/2035) · Government security
Sovereign
6.52%
ICICI Bank Ltd.
Banks
6.37%
0.0%
HDFC Bank Ltd.
Banks
4.07%
0.0%
Government of India (22/04/2064) · Government security
Sovereign
3.03%
Infosys Ltd.
IT - Software
2.94%
0.0%
Reliance Industries Ltd.
Petroleum Products
2.84%
0.0%
Ultratech Cement Ltd.
Cement & Cement Products
2.83%
0.0%
Sun Pharmaceutical Industries Ltd.
Pharmaceuticals & Biotechnology
2.76%
0.0%
State Bank of India
Banks
2.50%
0.0%
Kotak Mahindra Bank Ltd.
Banks
2.31%
0.0%
Axis Bank Ltd.
Banks
2.23%
0.0%
Hindalco Industries Ltd.
Non - Ferrous Metals
2.14%
0.0%
Sai Life Sciences Ltd.
Pharmaceuticals & Biotechnology
2.08%
0.0%
Larsen & Toubro Ltd.
Construction
2.05%
0.0%
Coforge Ltd.
IT - Software
1.98%
0.0%
Government of India (17/04/2030) · Government security
Sovereign
1.84%
Torrent Pharmaceuticals Ltd.
Pharmaceuticals & Biotechnology
1.75%
0.0%
S.J.S. Enterprises Ltd.
Auto Components
1.64%
0.0%
Apollo Hospitals Enterprise Ltd.
Healthcare Services
1.63%
0.0%
Bank of Maharashtra
Banks
1.63%
0.0%
Bajaj Auto Ltd.
Automobiles
1.63%
0.0%
ICICI Lombard General Insurance Company Ltd.
Insurance
1.59%
0.0%
Brigade Enterprises Ltd.
Realty
1.54%
0.0%
NTPC Ltd.
Power
1.50%
0.0%
Eternal Ltd.
Retailing
1.46%
0.0%
TD Power Systems Ltd.
Electrical Equipment
1.43%
0.0%
Avenue Supermarts Ltd.
Retailing
1.38%
0.0%
Dixon Technologies (India) Ltd.
Consumer Durables
1.33%
0.0%
BlueStone Jewellery & Lifestyle Ltd.
Consumer Durables
1.30%
0.0%
Bharti Hexacom Ltd.
Telecom - Services
1.30%
0.0%
Titan Company Ltd.
Consumer Durables
1.21%
0.0%
Oil & Natural Gas Corporation Ltd.
Oil
1.15%
0.0%
Vedanta Aluminium Metal Ltd.
Non - Ferrous Metals
1.13%
0.0%
Max Financial Services Ltd.
Insurance
1.12%
0.0%
Sona Blw Precision Forgings Ltd.
Auto Components
1.06%
0.0%
Fortis Healthcare Ltd.
Healthcare Services
1.05%
0.0%
SBFC Finance Ltd.
Finance
0.98%
0.0%
Bajaj Finance Ltd.
Finance
0.95%
0.0%
Meesho Ltd.
Retailing
0.93%
0.0%
8.55% HDFC Bank Ltd. (27/03/2029) · Bond
CRISIL AAA
0.92%
Government of India (06/02/2033) · Government security
Sovereign
0.92%
CEAT Ltd.
Auto Components
0.89%
0.0%
Thermax Ltd.
Electrical Equipment
0.84%
0.0%
Adani Ports and Special Economic Zone Ltd.
Transport Infrastructure
0.82%
0.0%
SBI Life Insurance Co. Ltd.
Insurance
0.77%
0.0%
Mrs. Bectors Food Specialities Ltd.
Food Products
0.74%
0.0%
Devyani International Ltd.
Leisure Services
0.74%
0.0%
Vedanta Ltd.
Diversified Metals
0.71%
0.0%
Voltas Ltd.
Consumer Durables
0.68%
0.0%
Whirlpool of India Ltd.
Consumer Durables
0.65%
0.0%
Bank of Baroda
Banks
0.63%
0.0%
Timken India Ltd.
Industrial Products
0.63%
0.0%
Godrej Consumer Products Ltd.
Personal Products
0.50%
0.0%
Vinati Organics Ltd.
Chemicals & Petrochemicals
0.49%
0.0%
H.G. Infra Engineering Ltd.
Construction
0.30%
0.0%
Birlasoft Ltd.
IT - Software
0.27%
0.0%
Cholamandalam Investment & Finance Co. Ltd.
Finance
0.25%
0.0%
Medi Assist Healthcare Services Ltd.
Insurance
0.14%
0.0%
Vedanta Oil and Gas Ltd.
Oil
0.09%
0.0%
Vedanta Power Ltd.
Power
0.09%
0.0%
Vedanta Iron and Steel Ltd.
Ferrous Metals
0.09%
0.0%
SBI funds Management ltd.
Capital Markets
0.09%
0.0%
Aditya Birla Sun Life Retirement Fund-The 40s Plan Stocks Bought and Sold
All changes are between August 2026 and September 2026
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40% means 40% of each fund's money sits in positions the other also holds. From each fund's latest monthly portfolio, matched by ISIN. Cash and hedged positions are left out. Funds that overlap under 10% are not listed. A high overlap does not make two funds the same: their costs, lock-in and category can differ.
Aditya Birla Sun Life Retirement Fund-The 40s Plan Overview
Fund facts from the scheme summary document, as on 16-10-2026
Expense ratio (Direct)
1.18%
Expense ratio (Regular)
2.42%
Category
Solution
Risk
Very High
Benchmark
CRISIL Hybrid 35+65 - Aggressive Index
Launch date
11-03-2019
Minimum investment
₹1,000
Minimum additional investment
₹1,000
AUM
₹109.90 Cr (30-09-2026)
Lock in
5 years, or until retirement if earlier
Scheme code (Direct)
146930
ISIN (Direct)
INF209KB1I80
Scheme code (Regular)
146929
ISIN (Regular)
INF209KB1I56
NAV history
From 13-03-2019, 7.6 years
Exit load
Nil
Tax on Aditya Birla Sun Life Retirement Fund-The 40s Plan returns
How the gain is taxed depends on what the fund holds. A fund with 65% or more in Indian stocks is taxed as an equity fund: 20% within 1 year, 12.5% after, on gains above ₹1.25 lakh a year.
A fund with 65% or more in debt is taxed at your slab rate. Any other fund: your slab rate within 2 years, 12.5% after.
IDCW (dividend) payouts are added to your income and taxed at your slab rate.
A stamp duty of 0.005% is deducted when you invest.
Rules in force from 23-07-2024 (Finance Act 2024). Tax depends on your own income; this is general information, not tax advice.
All plans and options
Plan
Option
NAV
As on
direct
Growth
₹20.752
30-10-2026
direct
IDCW
₹15.683
30-10-2026
regular
Growth
₹18.546
30-10-2026
regular
IDCW
₹14.016
30-10-2026
About Aditya Birla Sun Life Retirement Fund-The 40s Plan
Aditya Birla Sun Life Retirement Fund-The 40s Plan is a mutual fund from Aditya Birla Sun Life Mutual Fund. Its category is Solution. It was launched on 11-03-2019. Its benchmark is CRISIL Hybrid 35+65 - Aggressive Index. At the end of September 2026 it held 62 securities.
Fund Manager
Mohit Sharma
Fund manager of Aditya Birla Sun Life Retirement Fund-The 40s Plan, since 12-05-2026
Harshil Suvarnkar
Fund manager of Aditya Birla Sun Life Retirement Fund-The 40s Plan, since 22-03-2021
Frequently Asked Questions for Aditya Birla Sun Life Retirement Fund-The 40s Plan
What is the current NAV of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
The Direct plan NAV is ₹20.752. The Regular plan NAV is ₹18.546, as on 30-10-2026.
What are the returns of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
The Direct plan returned −3.62% in 1 year, +10.78% a year over 3 years, +8.57% a year over 5 years. The Regular plan returned −4.88% in 1 year, +9.28% a year over 3 years, +7.07% a year over 5 years. These figures are as on 30-10-2026.
What is the expense ratio of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
The Direct plan charges 1.18% a year. The Regular plan charges 2.42% a year. This is the figure the fund house reported to AMFI, in force from 02-09-2026.
What is the AUM of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
Aditya Birla Sun Life Retirement Fund-The 40s Plan managed ₹109.90 Cr on 30-09-2026, as its fund house reported in its monthly portfolio.
What are the top holdings of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
At the end of September 2026 the largest holdings were Government of India (06/10/2035) (6.52%), ICICIBANK (6.37%), HDFCBANK (4.07%), Government of India (22/04/2064) (3.03%), INFY (2.94%). The fund held 62 securities in all.
How do I invest in Aditya Birla Sun Life Retirement Fund-The 40s Plan?
Through Aditya Birla Sun Life Mutual Fund's website or app, a mutual fund distributor, or an investment platform. Choose the Direct plan to pay no distributor commission, or the Regular plan to invest through a distributor. The first investment is at least ₹1,000. You can invest once or through a monthly SIP.
Who is the fund manager of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
What is the exit load of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
Nil
Sources: NAV and expense ratio from AMFI. Holdings from the fund house's monthly portfolio statement. Fund facts from its scheme summary document, as on 16-10-2026.
This page is information, not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past returns do not promise future returns. Figures come from AMFI, NSE, BSE and each fund house's own documents.
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