Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Bandhan Large Cap Fund
Direct Plan, Growth option · Data as on 30-10-2026
Aditya Birla Sun Life Retirement Fund-The 40s Plan is a Solution fund and Bandhan Large Cap Fund is a Large Cap 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 Bandhan Large Cap Fund (Direct) returned 13.0% a year. Aditya Birla Sun Life Retirement Fund-The 40s Plan charges 1.18% a year and Bandhan Large Cap Fund 1.08% (Direct plans). Their portfolios overlap 40.2%: they hold 25 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
Bandhan Large Cap Fund
Large Cap
- 3 year return
- 13.0%
- Expense ratio
- 1.08%
- NAV
- ₹87.69
Which is better, Aditya Birla Sun Life Retirement Fund-The 40s Plan or Bandhan Large Cap? Key differences
It depends on what you want from the fund. These are the differences in numbers, from the data on this page.
- Bandhan Large Cap returned more over 5 years: 9.5% a year against 8.6%.
- Bandhan Large Cap returned more over 3 years: 13.0% a year against 10.8%.
- Bandhan Large Cap costs less: 1.08% a year against 1.18% (Direct plans).
- Aditya Birla Sun Life Retirement Fund-The 40s Plan swung less over 3 years: a standard deviation of 10.7% a year against 13.4%.
- Aditya Birla Sun Life Retirement Fund-The 40s Plan fell less in its worst fall since 13-03-2019: −27.3% against −35.1%.
- Bandhan Large Cap holds more in large companies: 80.4% of the fund in large caps against 50.5%.
- Bandhan Large Cap is the larger fund: ₹2,180 Cr against ₹110 Cr.
- Their portfolios overlap 40.2%: 25 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 | Bandhan Large Cap Fund |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | Bandhan Mutual Fund |
| Category | Solution | Large Cap |
| AUM | ₹110 Cr (30-09-2026) | ₹2,180 Cr (31-08-2026) |
| NAV | ₹20.75 (Direct) | ₹87.69 (Direct) |
| Expense ratio (Direct) | 1.18% | 1.08% |
| Expense ratio (Regular) | 2.42% | 2.21% |
| Riskometer | Very High | Very High |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | BSE 100 TRI |
| Launch date | 11-03-2019 | 09-06-2006 |
| Minimum investment | ₹1,000 | ₹1,000 |
| Lock in | 5 years, or until retirement if earlier | None |
| Fund managers | Mohit Sharma, Harshil Suvarnkar | Manish Gunwani, Prateek Poddar, Ritika Behera, Gaurav Satra |
| Exit load | Nil | Entry Load: Nil. Exit Load (w.e.f 25-Jun-2021) If redeemed / Switched Out within 365 days from the date of allotment - Up to 10% of Investment Nil & For remaining Investment: 1.00%. If redeemed / switched out after 365 days from the date of allotment: Nil. |
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Bandhan Large Cap: 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% | -- |
| Bandhan Large Cap Fund (Direct) | +0.98% | −3.88% | +0.23% | −5.34% | +13.03% | +9.52% | +12.74% |
| Large Cap average | +0.62% | −4.36% | −1.05% | −6.33% | +10.38% | +8.23% | +11.81% |
Category average: the average of the 35 Large Cap funds, same plan type.
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Bandhan Large Cap: Year-wise Returns
| Year | Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Retirement Fund-The 40s Plan | Bandhan Large CapBandhan Large Cap |
|---|---|---|
| 2026to date | −2.30% | −5.47% |
| 2025 | +5.82% | +9.47% |
| 2024 | +19.20% | +20.11% |
| 2023 | +20.66% | +28.32% |
| 2022 | +1.61% | −1.07% |
| 2021 | +12.52% | +28.30% |
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Bandhan Large Cap: Rolling Returns
Every holding period of both funds, against BSE 100 TRI, the benchmark of Bandhan Large Cap Fund
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)
Bandhan Large Cap Fund (Direct)
BSE 100 TRI
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 | Beat benchmark |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | 22% |
| Bandhan Large Cap | 0.0 | 0.0 | 0.0 | 27.2 | 59.0 | 13.1 | 0.7 | 17.1% | 17.2% | 10.1% | 28.7% | 61% |
| BSE 100 TRI | 0.0 | 0.0 | 3.9 | 32.3 | 49.0 | 10.0 | 4.8 | 16.4% | 16.0% | 7.0% | 32.8% | -- |
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. The benchmark is BSE 100 TRI, over the same periods. "Beat benchmark" counts the periods in which the fund did better. 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 Bandhan Large Cap: 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% |
| Bandhan Large CapBandhan Large Cap Fund (Direct) | ₹9,20,000 | ₹15,07,103 | ₹5,87,103 | 12.6% |
Aditya Birla Sun Life Retirement Fund-The 40s PlanAditya Birla Sun Life Retirement Fund-The 40s Plan (Direct)
Bandhan Large CapBandhan Large Cap Fund (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 Bandhan Large Cap: 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) | Bandhan Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | −3.62% | −5.34% |
| Standard deviation | 10.66% | 14.14% |
| Sharpe ratio | -0.83 | -0.75 |
| Sortino ratio | -1.11 | -1.01 |
| Maximum drawdown | −9.8% (30-03-2026) | −14.3% (31-03-2026) |
| Beta | -- | 1.01 |
| Alpha | -- | +3.69% |
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) | Bandhan Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.78% | +13.03% |
| Standard deviation | 10.66% | 13.42% |
| Sharpe ratio | 0.45 | 0.52 |
| Sortino ratio | 0.61 | 0.73 |
| Maximum drawdown | −11.1% (28-02-2025) | −17.9% (28-02-2025) |
| Beta | -- | 0.97 |
| Alpha | -- | +4.16% |
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) | Bandhan Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +8.57% | +9.52% |
| Standard deviation | 10.53% | 13.86% |
| Sharpe ratio | 0.26 | 0.27 |
| Sortino ratio | 0.36 | 0.37 |
| Maximum drawdown | −14.6% (17-06-2022) | −19.4% (17-06-2022) |
| Beta | -- | 0.97 |
| Alpha | -- | +1.78% |
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) | Bandhan Large Cap Fund (Direct) |
|---|---|---|
| Return (CAGR) | +10.02% | +12.45% |
| Standard deviation | 11.94% | 15.40% |
| Sharpe ratio | 0.41 | 0.42 |
| Sortino ratio | 0.54 | 0.57 |
| Maximum drawdown | −27.3% (23-03-2020) | −35.1% (23-03-2020) |
| Beta | -- | 0.95 |
| Alpha | -- | +0.66% |
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)
Bandhan Large Cap Fund (Direct)
BSE 100 TRI
| 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% |
| Bandhan Large Cap Fund (Direct) | −35.1% | 19-02-2020 | 23-03-2020 | 08-10-2020 | 7 months | −6.5% |
| BSE 100 TRI | −38.0% | 17-01-2020 | 23-03-2020 | 06-11-2020 | 7 months | −10.4% |
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)
Bandhan Large Cap Fund (Direct)
BSE 100 TRI
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)
Bandhan Large Cap Fund (Direct)
BSE 100 TRI
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)
Bandhan Large Cap Fund (Direct)
BSE 100 TRI
Against BSE 100 TRI
| Fund | Up capture | Down capture | Tracking error |
|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 40s Plan (Direct) | 73% | 67% | 6.88% |
| Bandhan Large Cap Fund (Direct) | 98% | 89% | 3.86% |
From month-end values since 13-03-2019. Up capture: a fund's average month when the benchmark rose, as % of the benchmark's; above 100% it gained more. Down capture: the same for months the benchmark fell; below 100% it fell less. Tracking error: how far the monthly returns strayed from the benchmark's, a year; an index fund aims near 0.
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Bandhan Large Cap: Portfolio Overlap
From each fund's latest monthly portfolio: Aditya Birla Sun Life Retirement Fund-The 40s Plan, September 2026; Bandhan Large Cap Fund, August 2026
Holdings in common
- Overlap
- 40.2%
- Held by both
- 25
- Only in Aditya Birla Sun Life Retirement Fund-The 40s Plan
- 37
- Only in Bandhan Large Cap
- 44
| Security | % of Aditya Birla Sun Life Retirement Fund-The 40s Plan | % of Bandhan Large Cap |
|---|---|---|
| ICICI Bank Ltd. | 6.37% | 8.85% |
| HDFC Bank Ltd. | 4.07% | 6.96% |
| Infosys Ltd. | 2.94% | 3.93% |
| Reliance Industries Ltd. | 2.84% | 5.81% |
| Sun Pharmaceutical Industries Ltd. | 2.76% | 2.97% |
| State Bank of India | 2.50% | 3.99% |
| Axis Bank Ltd. | 2.23% | 2.75% |
| Larsen & Toubro Ltd. | 2.05% | 3.28% |
| NTPC Ltd. | 1.50% | 3.35% |
| Eternal Ltd. | 1.46% | 2.47% |
| Kotak Mahindra Bank Ltd. | 2.31% | 1.29% |
| Coforge Ltd. | 1.98% | 1.25% |
| Titan Company Ltd. | 1.21% | 1.55% |
| Vedanta Aluminium Metal Ltd. | 1.13% | 1.17% |
| Bajaj Auto Ltd. | 1.63% | 1.02% |
| Meesho Ltd. | 0.93% | 1.11% |
| Adani Ports and Special Economic Zone Ltd. | 0.82% | 0.91% |
| SBI Life Insurance Co. Ltd. | 0.77% | 1.18% |
| Ultratech Cement Ltd. | 2.83% | 0.73% |
| Fortis Healthcare Ltd. | 1.05% | 0.59% |
| Torrent Pharmaceuticals Ltd. | 1.75% | 0.56% |
| Sona Blw Precision Forgings Ltd. | 1.06% | 0.56% |
| Godrej Consumer Products Ltd. | 0.50% | 0.25% |
| Cholamandalam Investment & Finance Co. Ltd. | 0.25% | 0.74% |
| Vedanta Power Ltd. | 0.09% | 0.35% |
Overlap: for each holding both funds own, the smaller of its two weights, added up. 40.2% means 40.2% 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 (06/10/2035) | 6.52% |
| Government of India (22/04/2064) | 3.03% |
| Hindalco Industries Ltd. | 2.14% |
| Sai Life Sciences Ltd. | 2.08% |
| Government of India (17/04/2030) | 1.84% |
Largest holdings only in Bandhan Large Cap Fund
| Security | % of fund |
|---|---|
| Mahindra & Mahindra Limited | 3.35% |
| Bajaj Finserv Limited | 2.92% |
| Bharti Airtel Limited | 2.79% |
| JSW Steel Limited | 1.96% |
| One 97 Communications Limited | 1.71% |
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 | Bandhan Large Cap |
|---|---|---|
| Equity | 78.2% | 99.9% |
| Debt | 13.2% | 0.0% |
| Cash and others | 8.6% | 0.1% |
Market cap of stocks
| Market cap | Aditya Birla Sun Life Retirement Fund-The 40s Plan | Bandhan Large Cap |
|---|---|---|
| Large Cap | 50.5% | 80.4% |
| Mid Cap | 13.5% | 11.2% |
| Small Cap | 12.7% | 7.8% |
| Not on AMFI's list | 1.5% | 0.6% |
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 | Bandhan Large Cap |
|---|---|---|
| Banks | 19.8% | 24.6% |
| IT - Software | 5.2% | 6.7% |
| Pharmaceuticals & Biotechnology | 6.6% | 5.9% |
| Automobiles | 1.6% | 6.5% |
| Petroleum Products | 2.8% | 5.8% |
| Finance | 2.2% | 5.8% |
| Consumer Durables | 5.2% | 2.8% |
| Retailing | 3.8% | 4.9% |
| Insurance | 3.6% | 1.7% |
The six largest sectors of each fund's stocks, % of the fund.
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Bandhan Large Cap: Expense Ratio
What each plan charges a year, from AMFI's expense ratio file
| Charge | Aditya Birla Sun Life Retirement Fund-The 40s Plan | Bandhan Large Cap Fund |
|---|---|---|
| Total expense ratio (Direct) | 1.18% | 1.08% |
| Base expense ratio (Direct) | 1.00% | 0.77% |
| Total expense ratio (Regular) | 2.42% | 2.21% |
| Base expense ratio (Regular) | 2.09% | 1.75% |
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.
More comparisons
Each fund against the others of its category
Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Bandhan Large Cap Fund: Frequently Asked Questions
What is the difference between Aditya Birla Sun Life Retirement Fund-The 40s Plan and Bandhan Large Cap Fund?
Aditya Birla Sun Life Retirement Fund-The 40s Plan is a Solution fund, Bandhan Large Cap Fund is a Large Cap fund, run by Aditya Birla Sun Life Mutual Fund and Bandhan Mutual Fund. Their portfolios overlap 40.2%. Aditya Birla Sun Life Retirement Fund-The 40s Plan charges 1.18% a year and Bandhan Large Cap Fund 1.08%.
Which has given higher returns, Aditya Birla Sun Life Retirement Fund-The 40s Plan or Bandhan Large Cap Fund?
Over 1 year: Aditya Birla Sun Life Retirement Fund-The 40s Plan −3.62%, Bandhan Large Cap Fund −5.34%. Over 3 years: Aditya Birla Sun Life Retirement Fund-The 40s Plan +10.78% a year, Bandhan Large Cap Fund +13.03% a year. Over 5 years: Aditya Birla Sun Life Retirement Fund-The 40s Plan +8.57% a year, Bandhan Large Cap Fund +9.52% 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 Bandhan Large Cap Fund?
Bandhan Large Cap Fund charges less: 1.08% 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 Bandhan Large Cap Fund overlap?
40.2%. They hold 25 of the same securities, the largest shared ones being ICICIBANK, HDFCBANK, INFY. From each fund's latest monthly portfolio.
Which is riskier, Aditya Birla Sun Life Retirement Fund-The 40s Plan or Bandhan Large Cap Fund?
On SEBI's riskometer, Aditya Birla Sun Life Retirement Fund-The 40s Plan is rated Very High and Bandhan Large Cap Fund Very High. Over 3 years, the standard deviation of daily returns was 10.66% and 13.42% a year.
Which is better for SIP, Aditya Birla Sun Life Retirement Fund-The 40s Plan or Bandhan Large Cap Fund?
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 ₹7,76,703 in Bandhan Large Cap Fund (XIRR 9.5% 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 Bandhan Large Cap Fund?
Yes. 40.2% of each fund's money sits in the same holdings, so a large part of the two investments would move together.
Who manages Aditya Birla Sun Life Retirement Fund-The 40s Plan and Bandhan Large Cap Fund?
Aditya Birla Sun Life Retirement Fund-The 40s Plan: Mohit Sharma, Harshil Suvarnkar. Bandhan Large Cap Fund: Manish Gunwani, Prateek Poddar, Ritika Behera, Gaurav Satra.
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.