Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Aditya Birla Sun Life Retirement Fund-The 50s Plan
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Retirement Fund-The 40s Plan is a Solution fund and Aditya Birla Sun Life Retirement Fund-The 50s Plan is a Solution fund. In the 3 years to 30-10-2026, Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct) returned 10.8% a year and Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) returned 7.8% a year. Aditya Birla Sun Life Retirement Fund-The 40s Plan charges 1.18% a year and Aditya Birla Sun Life Retirement Fund-The 50s Plan 0.63% (Direct plans). Their portfolios overlap 29.7%: they hold 36 of the same securities.
Aditya Birla Sun Life Retirement Fund-The 40s Plan
Solution
- 3 year return
- 10.8%
- Expense ratio
- 1.18%
- NAV
- ₹20.75
Aditya Birla Sun Life Retirement Fund-The 50s Plan
Solution
- 3 year return
- 7.8%
- Expense ratio
- 0.63%
- NAV
- ₹16.50
Which is better, Aditya Birla Sun Life Retirement Fund-The 40s Plan or Aditya Birla Sun Life Retirement Fund-The 50s Plan? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Aditya Birla Sun Life Retirement Fund-The 40s Plan returned more over 5 years: 8.6% a year against 6.7%.
- Aditya Birla Sun Life Retirement Fund-The 40s Plan returned more over 3 years: 10.8% a year against 7.8%.
- Aditya Birla Sun Life Retirement Fund-The 50s Plan costs less: 0.63% a year against 1.18% (Direct plans).
- Aditya Birla Sun Life Retirement Fund-The 50s Plan swung less over 3 years: a standard deviation of 3.7% a year against 10.7%.
- Aditya Birla Sun Life Retirement Fund-The 50s Plan fell less in its worst fall since 13-03-2019: −5.0% against −27.3%.
- Aditya Birla Sun Life Retirement Fund-The 40s Plan holds more in large companies: 50.5% of the fund in large caps against 15.0%.
- Aditya Birla Sun Life Retirement Fund-The 40s Plan is the larger fund: ₹110 Cr against ₹27 Cr.
- Their portfolios overlap 29.7%: 36 of the same holdings.
Past returns do not promise future returns. This page is information, not investment advice.
Key facts
From each fund's scheme summary document and AMFI
| Fact | Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Aditya Birla Sun Life Mutual Fund |
| Category | Solution | Solution |
| AUM | ₹110 Cr (30-09-2026) | ₹27 Cr (30-09-2026) |
| NAV | ₹20.75 (Direct) | ₹16.50 (Direct) |
| Expense ratio (Direct) | 1.18% | 0.63% |
| Expense ratio (Regular) | 2.42% | 1.96% |
| Riskometer | Very High | Moderately High |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | CRISIL Short Term Debt Hybrid 75+25 Index |
| Launch date | 11-03-2019 | 11-03-2019 |
| Minimum investment | ₹1,000 | ₹1,000 |
| Lock in | 5 years, or until retirement if earlier | 5 years, or until retirement if earlier |
| Fund managers | Mohit Sharma, Harshil Suvarnkar | Mohit Sharma, Harshil Suvarnkar |
| Exit load | Nil | Nil |
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Aditya Birla Sun Life Retirement Fund-The 50s Plan: Returns Comparison
Returns as on 30-10-2026. Up to one year they are absolute returns. Longer periods are a rate per year.
| Fund | 1M | 3M | 6M | 1Y | 3Y | 5Y | 10Y |
|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct) | −0.54% | −3.90% | −0.37% | −3.62% | +10.78% | +8.57% | -- |
| Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) | −0.48% | −1.72% | +1.09% | +1.71% | +7.79% | +6.70% | -- |
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Aditya Birla Sun Life Retirement Fund-The 50s Plan: Year-wise Returns
| Year | 40sAditya Birla Sun Life Retirement Fund-The 40s Plan | 50sAditya Birla Sun Life Retirement Fund-The 50s Plan |
|---|---|---|
| 2026to date | −2.30% | +1.50% |
| 2025 | +5.82% | +6.91% |
| 2024 | +19.20% | +10.63% |
| 2023 | +20.66% | +11.41% |
| 2022 | +1.61% | +2.83% |
| 2021 | +12.52% | +3.34% |
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Aditya Birla Sun Life Retirement Fund-The 50s Plan: Rolling Returns
Every holding period of both funds
Rolling returns
Every 3-year holding period, 1,141 of them, one for each trading day from 14-03-2022 to 30-10-2026: the yearly return (CAGR) of each, plotted on the day it ended. One lucky or unlucky start day cannot flatter or hide a fund.
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
to
Jul 2022May 2020
to
May 2023Feb 2021
to
Feb 2024Dec 2021
to
Dec 2024Sept 2022
to
Sept 2025Jun 2023
to
Jun 2026
How the periods spread
| Fund | Below 0% | 0-5% | 5-10% | 10-15% | 15-20% | 20-25% | Above 25% | Mean | Median | Lowest | Highest |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | 0.0 | 0.0 | 13.4 | 71.6 | 15.0 | 0.0 | 0.0 | 12.7% | 12.7% | 6.7% | 18.9% |
| Aditya Birla Sun Life Retirement Fund-The 50s Plan | 0.0 | 22.9 | 68.3 | 8.8 | 0.0 | 0.0 | 0.0 | 7.2% | 7.6% | 3.8% | 11.1% |
The table shows the % of periods in each return band; a darker cell holds more of them. Lumpsum: the yearly rate (CAGR) from a period's first NAV to its last. SIP: the XIRR of the monthly instalments. Every fund is measured over the days all of them have, from 13-03-2019. Past returns do not promise future returns.
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Aditya Birla Sun Life Retirement Fund-The 50s Plan: SIP and Lumpsum Returns
What the same monthly or one-time investment would be worth in each fund today, from their own NAV history
Growth of an investment
₹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 |
|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Retirement Fund-The 40s Plan (Direct) | ₹9,20,000 | ₹13,54,880 | ₹4,34,880 | 9.9% |
| Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) | ₹9,20,000 | ₹11,90,253 | ₹2,70,253 | 6.6% |
Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
Aditya Birla Sun Life Retirement Fund-The 50s PlanAditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
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 vs Aditya Birla Sun Life Retirement Fund-The 50s Plan: Risk and Drawdowns
How much each fund swings, and the worst fall over the same days
Risk and return
| Measure | Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct) | Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) |
|---|---|---|
| Return (CAGR) | −3.62% | +1.71% |
| Standard deviation | 10.66% | 4.00% |
| Sharpe ratio | -0.83 | -0.88 |
| Sortino ratio | -1.11 | -1.19 |
| Maximum drawdown | −9.8% (30-03-2026) | −3.7% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct) | Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) |
|---|---|---|
| Return (CAGR) | +10.78% | +7.79% |
| Standard deviation | 10.66% | 3.65% |
| Sharpe ratio | 0.45 | 0.48 |
| Sortino ratio | 0.61 | 0.66 |
| Maximum drawdown | −11.1% (28-02-2025) | −3.7% (30-03-2026) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct) | Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) |
|---|---|---|
| Return (CAGR) | +8.57% | +6.70% |
| Standard deviation | 10.53% | 3.58% |
| Sharpe ratio | 0.26 | 0.25 |
| Sortino ratio | 0.36 | 0.34 |
| Maximum drawdown | −14.6% (17-06-2022) | −5.0% (17-06-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
| Measure | Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct) | Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) |
|---|---|---|
| Return (CAGR) | +10.02% | +6.76% |
| Standard deviation | 11.94% | 3.15% |
| Sharpe ratio | 0.41 | 0.50 |
| Sortino ratio | 0.54 | 0.70 |
| Maximum drawdown | −27.3% (23-03-2020) | −5.0% (17-06-2022) |
| Beta | -- | -- |
| Alpha | -- | -- |
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. Beta and alpha compare each fund with its own benchmark's TRI.
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.
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
| Fund | 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% |
| Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct) | −5.0% | 04-04-2022 | 17-06-2022 | 17-08-2022 | 2 months | −2.6% |
From daily values since 13-03-2019, the first day every fund has.
Rolling standard deviation
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 1-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 3-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
Whether the swings have grown or calmed over time: the standard deviation of daily changes over every 5-year window, scaled to a year, plotted on the window's last day. Higher means a bumpier ride.
Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
Aditya Birla Sun Life Retirement Fund-The 50s Plan (Direct)
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Aditya Birla Sun Life Retirement Fund-The 50s Plan: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Retirement Fund-The 40s Plan, September 2026; Aditya Birla Sun Life Retirement Fund-The 50s Plan, September 2026
Holdings in common
- Overlap
- 29.7%
- Held by both
- 36
- Only in Aditya Birla Sun Life Retirement Fund-The 40s Plan
- 26
- Only in Aditya Birla Sun Life Retirement Fund-The 50s Plan
- 9
| Security | % of Aditya Birla Sun Life Retirement Fund-The 40s Plan | % of Aditya Birla Sun Life Retirement Fund-The 50s Plan |
|---|---|---|
| Government of India (06/10/2035) | 6.52% | 19.74% |
| Government of India (17/04/2030) | 1.84% | 2.84% |
| ICICI Bank Ltd. | 6.37% | 1.74% |
| HDFC Bank Ltd. | 4.07% | 1.60% |
| TD Power Systems Ltd. | 1.43% | 1.78% |
| Hindalco Industries Ltd. | 2.14% | 1.24% |
| State Bank of India | 2.50% | 1.02% |
| Fortis Healthcare Ltd. | 1.05% | 0.94% |
| 8.55% HDFC Bank Ltd. (27/03/2029) | 0.92% | 7.60% |
| Government of India (06/02/2033) | 0.92% | 8.51% |
| Bajaj Finance Ltd. | 0.95% | 0.90% |
| S.J.S. Enterprises Ltd. | 1.64% | 0.85% |
| Axis Bank Ltd. | 2.23% | 0.78% |
| Ultratech Cement Ltd. | 2.83% | 0.77% |
| Max Financial Services Ltd. | 1.12% | 0.76% |
| Sun Pharmaceutical Industries Ltd. | 2.76% | 0.68% |
| Torrent Pharmaceuticals Ltd. | 1.75% | 0.65% |
| Bajaj Auto Ltd. | 1.63% | 0.59% |
| Larsen & Toubro Ltd. | 2.05% | 0.52% |
| Bank of Maharashtra | 1.63% | 0.50% |
| Sona Blw Precision Forgings Ltd. | 1.06% | 0.50% |
| Apollo Hospitals Enterprise Ltd. | 1.63% | 0.49% |
| Godrej Consumer Products Ltd. | 0.50% | 0.36% |
| Avenue Supermarts Ltd. | 1.38% | 0.34% |
| Bank of Baroda | 0.63% | 0.34% |
| Kotak Mahindra Bank Ltd. | 2.31% | 0.31% |
| SBFC Finance Ltd. | 0.98% | 0.30% |
| Eternal Ltd. | 1.46% | 0.30% |
| Vinati Organics Ltd. | 0.49% | 0.27% |
| Infosys Ltd. | 2.94% | 0.26% |
| SBI Life Insurance Co. Ltd. | 0.77% | 0.26% |
| Whirlpool of India Ltd. | 0.65% | 0.23% |
| Mrs. Bectors Food Specialities Ltd. | 0.74% | 0.21% |
| NTPC Ltd. | 1.50% | 0.19% |
| H.G. Infra Engineering Ltd. | 0.30% | 0.10% |
| Cholamandalam Investment & Finance Co. Ltd. | 0.25% | 0.10% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 29.7% means 29.7% of each fund's money sits in positions the other also holds. Matched by ISIN. Cash and hedged positions are left out.
Largest holdings only in Aditya Birla Sun Life Retirement Fund-The 40s Plan
| Security | % of fund |
|---|---|
| Government of India (22/04/2064) | 3.03% |
| Reliance Industries Ltd. | 2.84% |
| Sai Life Sciences Ltd. | 2.08% |
| Coforge Ltd. | 1.98% |
| ICICI Lombard General Insurance Company Ltd. | 1.59% |
Largest holdings only in Aditya Birla Sun Life Retirement Fund-The 50s Plan
| Security | % of fund |
|---|---|
| Government of India (05/12/2033) | 3.64% |
| State Government Securities (28/08/2035) | 2.93% |
| Metropolis Healthcare Ltd. | 1.22% |
| Bharti Airtel Ltd. | 0.99% |
| The Federal Bank Ltd. | 0.89% |
Asset and sector split
Share of each fund, from its latest monthly portfolio
Asset allocation
| Asset | Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan |
|---|---|---|
| Equity | 78.2% | 23.8% |
| Debt | 13.2% | 45.3% |
| Cash and others | 8.6% | 31.0% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan |
|---|---|---|
| Large Cap | 50.5% | 15.0% |
| Mid Cap | 13.5% | 3.6% |
| Small Cap | 12.7% | 3.4% |
| Not on AMFI's list | 1.5% | 1.8% |
Share of the whole fund. Groups follow AMFI's latest list: Large Cap is the 100 largest companies, Mid Cap the next 150, Small Cap the rest.
Largest sectors
| Sector | Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan |
|---|---|---|
| Banks | 19.8% | 7.2% |
| Pharmaceuticals & Biotechnology | 6.6% | 1.5% |
| IT - Software | 5.2% | 0.7% |
| Consumer Durables | 5.2% | 0.3% |
| Retailing | 3.8% | 0.6% |
| Insurance | 3.6% | 1.0% |
| Auto Components | 3.6% | 1.3% |
| Healthcare Services | 2.7% | 2.6% |
| Electrical Equipment | 2.3% | 1.8% |
| Finance | 2.2% | 1.3% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Aditya Birla Sun Life Retirement Fund-The 50s Plan: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan |
|---|---|---|
| Total expense ratio (Direct) | 1.18% | 0.63% |
| Base expense ratio (Direct) | 1.00% | 0.54% |
| Total expense ratio (Regular) | 2.42% | 1.96% |
| Base expense ratio (Regular) | 2.09% | 1.68% |
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, transaction costs, and levies with GST.
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Aditya Birla Sun Life Retirement Fund-The 50s Plan: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Retirement Fund-The 40s Plan and Aditya Birla Sun Life Retirement Fund-The 50s Plan?
Aditya Birla Sun Life Retirement Fund-The 40s Plan is a Solution fund, Aditya Birla Sun Life Retirement Fund-The 50s Plan is a Solution fund, run by Aditya Birla Sun Life Mutual Fund. Their portfolios overlap 29.7%. Aditya Birla Sun Life Retirement Fund-The 40s Plan charges 1.18% a year and Aditya Birla Sun Life Retirement Fund-The 50s Plan 0.63%.
Which has given higher returns, Aditya Birla Sun Life Retirement Fund-The 40s Plan or Aditya Birla Sun Life Retirement Fund-The 50s Plan?
Over 1 year: Aditya Birla Sun Life Retirement Fund-The 40s Plan −3.62%, Aditya Birla Sun Life Retirement Fund-The 50s Plan +1.71%. Over 3 years: Aditya Birla Sun Life Retirement Fund-The 40s Plan +10.78% a year, Aditya Birla Sun Life Retirement Fund-The 50s Plan +7.79% a year. Over 5 years: Aditya Birla Sun Life Retirement Fund-The 40s Plan +8.57% a year, Aditya Birla Sun Life Retirement Fund-The 50s Plan +6.70% a year. As on 30-10-2026. Past returns do not promise future returns.
Which has the lower expense ratio, Aditya Birla Sun Life Retirement Fund-The 40s Plan or Aditya Birla Sun Life Retirement Fund-The 50s Plan?
Aditya Birla Sun Life Retirement Fund-The 50s Plan charges less: 0.63% a year against 1.18%. These are the Direct plans' total expense ratios reported to AMFI.
How much do Aditya Birla Sun Life Retirement Fund-The 40s Plan and Aditya Birla Sun Life Retirement Fund-The 50s Plan overlap?
29.7%. They hold 36 of the same securities, the largest shared ones being Government of India (06/10/2035), Government of India (17/04/2030), ICICIBANK. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Retirement Fund-The 40s Plan or Aditya Birla Sun Life Retirement Fund-The 50s Plan?
On SEBI's riskometer, Aditya Birla Sun Life Retirement Fund-The 40s Plan is rated Very High and Aditya Birla Sun Life Retirement Fund-The 50s Plan Moderately High. Over 3 years, the standard deviation of daily returns was 10.66% and 3.65% a year.
Which is better for SIP, Aditya Birla Sun Life Retirement Fund-The 40s Plan or Aditya Birla Sun Life Retirement Fund-The 50s Plan?
Over the last 5 years, a monthly SIP of ₹10,000 from 01-10-2021 to 30-10-2026 grew to ₹7,58,402 in Aditya Birla Sun Life Retirement Fund-The 40s Plan (XIRR 8.5% a year) and ₹7,25,028 in Aditya Birla Sun Life Retirement Fund-The 50s Plan (XIRR 6.7% a year). Both received 61 instalments. Past returns do not promise future returns.
Can I invest in both Aditya Birla Sun Life Retirement Fund-The 40s Plan and Aditya Birla Sun Life Retirement Fund-The 50s Plan?
Yes. 29.7% of each fund's money sits in the same holdings, so some of the two investments would move together.
Who manages Aditya Birla Sun Life Retirement Fund-The 40s Plan and Aditya Birla Sun Life Retirement Fund-The 50s Plan?
Aditya Birla Sun Life Retirement Fund-The 40s Plan: Mohit Sharma, Harshil Suvarnkar. Aditya Birla Sun Life Retirement Fund-The 50s Plan: Mohit Sharma, Harshil Suvarnkar.
Sources: NAV and expense ratio from AMFI. Holdings from each fund house's monthly portfolio statement. Fund facts from each scheme summary document.
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.