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InvestVerdict

Aditya Birla Sun Life Retirement Fund-The 40s Plan

Regular Plan · GROWTH · Retirement Funds · Scheme code 146929

NAV₹19.6990as on 28 Aug 2026
Fund houseAditya Birla Sun Life Mutual Fund
CategoryRetirement Funds
Plan & optionRegular · GROWTH
History7.5 years

Returns (%)

 1M3M6M1Y3Y5Y7Y10YLaunch
This scheme 1.975.343.21 6.0411.218.99 10.91—9.50
Nifty 100
benchmark		 0.253.49-1.52 1.8410.529.38 ——12.79
Retirement Funds
category median		 ——— 3.519.248.35 —9.74—

Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published NAV history for this scheme.

Risk

 VolatilitySharpeSortinoBetaAlphaMax fallR²
This scheme 12.0% 0.39 0.53 0.68 -0.97% -27.4% 88.36
Nifty 100
benchmark		 17.1%0.23 0.32—— -37.0%—

Risk-free rate 6.5%. Beta, alpha and R² are regressed on the 82 months this scheme and its benchmark share.

Growth of ₹100 since launch

741181622062020202220242026InvestVerdict

Drawdown from peak (%)

0%-8%-17%-25%2020202220242026

Every one-year period it has lived through

WindowsWorstMedianBestPeriods that lost money
319 -21.0% 9.3% 45.2% 16%

Every one-year holding period in this scheme's history, not just the last one — the spread a real investor would have met depending only on when they started.

InvestVerdict

Aditya Birla Sun Life Retirement Fund-The 40s Plan

Regular Plan · GROWTH

Allocation

By asset

Equity78.15%
Debt13.19%
Cash & Equivalents8.66%

By market cap

Large Cap51.34%
Mid Cap13.70%
Small Cap13.11%
Unclassified13.19%

Concentration

Number of stocks61
Top 5 stocks23.44%
Top 10 stocks36.85%
Top 20 stocks55.20%
Largest holding6.50%
Largest sectorBanks 20.51%
Effective stocks43.2
Cash8.66%
InvestVerdict

Aditya Birla Sun Life Retirement Fund-The 40s Plan

Regular Plan · GROWTH · holdings

Top 18 holdings

#CompanySector% of fund
1— Unclassified7.72%
2— Sovereign6.50%
3— Banks6.44%
4— Banks4.45%
5— Sovereign3.05%
6— Petroleum Products3.01%
7— IT - Software2.88%
8— Cement & Cement Products2.82%
9— Pharmaceuticals & Biotechnology2.74%
10— Banks2.60%
11— Banks2.38%
12— Construction2.20%
13— Banks2.11%
14— Non - Ferrous Metals2.11%
15— Banks1.82%
16— Sovereign1.82%
17— Insurance1.69%
18— Healthcare Services1.69%

Sector split

Banks — 20.5%Sovereign — 12.3%Cash & Equivalents — 8.7%Pharmaceuticals & Biotechnology — 6.0%Consumer Durables — 5.1%IT - Software — 4.8%Insurance — 3.9%Retailing — 3.5%Non - Ferrous Metals — 3.3%Other — 32.0%Banks20.5%Sovereign12.3%Cash & Equivalents8.7%Pharmaceuticals & Biotech…6.0%Consumer Durables5.1%IT - Software4.8%Insurance3.9%Retailing3.5%Non - Ferrous Metals3.3%Other32.0%
Banks20.51%
Sovereign12.28%
Cash & Equivalents8.66%
Pharmaceuticals & Biotechnology6.01%
Consumer Durables5.12%
IT - Software4.76%
Insurance3.89%
Retailing3.48%
Non - Ferrous Metals3.30%
Auto Components3.26%

A ₹10,000 monthly SIP over five years

InvestedValueGainXIRR
₹600,000 ₹772,538 ₹172,538 10.06%

XIRR, not CAGR — a SIP's money arrives over sixty months, so each instalment has been invested for a different length of time.

Not investment advice. InvestVerdict is not a SEBI-registered Investment Adviser or Research Analyst. Every figure is computed from AMFI's published NAV history and the portfolio the AMC filed with AMFI; none of it is a recommendation to buy, hold or sell. Past returns do not predict future ones. Generated 30 Aug 2026.