Aditya Birla Sun Life Retirement Fund - The 40s Plan

NAV as of Feb 02, 2026	Returns since inception	ET Money Rank	AUM (Fund size)
₹18.693-0.8% 1 day change	9.47% p.a.	App exclusive #NA View Ranked Funds	₹116 Cr

Historical NAV & returns

NAV: ₹18.693 as on Feb 02, 2026

This fund Category average

Aditya Birla Sun Life Retirement Fund - The 40s Plan overview

AUM (Fund size)	₹116 Cr
Exit load	0%
Lock-in Period	5 Years
Age	6 yrs 11 m since Feb 19, 2019
Benchmark	CRISIL Hybrid 35+65 Aggressive Index
Min. investment	SIP: ₹500 & Lumpsum: ₹1000
Expense ratio	2.39% as on Feb 02, 2026
Plan type	Regular
Risk	Very High

Aditya Birla Sun Life Retirement Fund - The 40s Plan Returns calculator

Investment type

Monthly investment

₹ 10,000

Investment period

Lumpsum investment

₹1 lakh

Investment period

Disclaimer: Products compared like fixed deposits may provide fixed guaranteed returns. Mutual Funds investments are subject to market risk, read all scheme related documents carefully. Past performance is not an indicator of future returns.

Total investment ₹ 12 lakh
Profit ₹12 lakhs
Total corpus ₹1 lakh
Absolute return 52.69%

Trailing returns as on Feb 03, 2026

Period	This fund	Category average
1 Month	-3.5%	-2.31%
3 Months	-4.09%	-2.24%
6 Months	0.18%	-0.17%
1 Year	6.9%	5.75%
2 Years	8.85%	7.98%
3 Years	13.16%	11.23%
4 Years	9.3%	8.77%
5 Years	9.08%	8.98%

Asset allocationas on Dec 31, 2025

Large Cap 53.24%

Mid Cap 12.3%

Small Cap 13.23%

Other Cap 0%

Top holdings

ICICI Bank Ltd.6.95%

HDFC Bank Ltd.5.41%

Infosys Ltd.4.55%

Reliance Industries Ltd.3.57%

Top sectors

Financial 24.890000000000004%

Healthcare 7.800000000000001%

Technology 6.75%

Energy 6.18%

SOV 13.28304048%

Cash & Call Money 7.04727798%

AAA 0.89934718%

Top Debt Holdings

GOI 13.29%

HDFC Bank Ltd. 0.9%

Allocation by Instruments

GOI Securities 13.28304048%

Reverse Repo 6.27068144%

Debenture 0.89934718%

Net Receivables 0.77659654%

Other Holdings

Others 0.78%

Detailed portfolio analysis

Peer comparison

Fund name	1M	6M	1Y	3Y	5Y	10Y
Aditya Birla Sun Life Retirement Fund - The 40s Plan	-3.5%	0.18%	6.9%	13.16%	9.08%	N.A.
UTI Retirement Fund	-1.58%	1.1%	5.8%	11.54%	10.99%	9.87%
HDFC Retirement Savings Fund - Hybrid Equity Plan	-3.55%	-0.02%	5.65%	13.4%	12.89%	14.39%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	-0.87%	2.96%	9.03%	11.3%	8.05%	5.95%
HDFC Retirement Savings Fund - Hybrid Debt Plan	-1.18%	0.47%	4.81%	8.18%	7.33%	8.05%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	-3.77%	2.95%	13.0%	21.19%	15.76%	10.23%

Fund name	Std. deviation	Beta	Sharpe	Sortino
Aditya Birla Sun Life Retirement Fund - The 40s Plan	9.85	0.86	0.74	1.14
UTI Retirement Fund	5.6	0.62	0.96	1.41
HDFC Retirement Savings Fund - Hybrid Equity Plan	8.58	0.78	0.86	1.29
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	4.04	0.97	1.21	1.63
HDFC Retirement Savings Fund - Hybrid Debt Plan	3.45	0.87	0.61	0.95
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	12.33	1.1	1.15	1.65

Fund name	ETM Rank	AUM	Fund age	Expense ratio
Aditya Birla Sun Life Retirement Fund - The 40s Plan	N.A.	116 Cr	6 yrs 11 m	2.39%
UTI Retirement Fund	N.A.	4,789 Cr	31 yrs 1 m	1.68%
HDFC Retirement Savings Fund - Hybrid Equity Plan	N.A.	1,744 Cr	9 yrs 11 m	2.07%
ICICI Prudential Retirement Fund - Hybrid Conservative Plan	N.A.	90 Cr	6 yrs 11 m	2.12%
HDFC Retirement Savings Fund - Hybrid Debt Plan	N.A.	161 Cr	9 yrs 11 m	2.16%
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan	N.A.	1,082 Cr	6 yrs 11 m	2.15%

View all Retirement Solutions funds

Key risk & return ratios Compared to other funds in the category

Alpha	0.13 vs. 3.23 Underperformed at beating benchmark
Sharpe	0.74 vs. 3.15 Poor risk-adjusted returns
Beta	0.86 vs. 0.84 More sensitive to market's ups & downs
Standard deviation	9.85 vs. 6.19 More volatile performance

Compare Aditya Birla Sun Life Retirement Fund - The 40s Plan in detail with

About this fund

About Aditya Birla Sun Life Retirement Fund - The 40s Plan

Aditya Birla Sun Life Retirement Fund - The 40s Plan is a Retirement Solutions mutual fund scheme from Aditya Birla Sun Life Mutual Fund. This fund has been in existence for 6 yrs 11 m, having been launched on 19/02/2019. Aditya Birla Sun Life Retirement Fund - The 40s Plan has ₹116 Crores worth of assets under management (AUM) as on 31/12/2025 and is medium-sized fund of its category. The latest Net Asset Value (NAV) of Aditya Birla Sun Life Retirement Fund - The 40s Plan as of 02/02/2026 is ₹18.69. The fund has an expense ratio of 2.39%, which is higher than what most other Retirement Solutions funds charge. Currently, the fund has a 78.77% allocation to equity and 14.18% to Debt.

Aditya Birla Sun Life Retirement Fund - The 40s Plan returns of last 1-year are 6.39%. Since launch, it has delivered 9.48% average annual returns. The fund has doubled the money invested in it every 6 yrs.
Aditya Birla Sun Life Retirement Fund - The 40s Plan scheme's ability to deliver returns consistently is in-line with most funds of its category. Its ability to control losses in a falling market is average.
The fund's equity portion is primarily invested in Financial, Healthcare, Technology, Energy, Services sectors. It has taken less exposure in Financial, Healthcare sectors compared to other funds in the category.
The debt portion of the fund has low credit quality indicating the quality of borrowers it has lent it to is not too great.
The fund's top 5 holdings are in GOI, ICICI Bank Ltd., HDFC Bank Ltd., Infosys Ltd., Reliance Industries Ltd..

...

Fund AUM	116 Cr as on Dec 31, 2025
Scheme document	View Scheme Document

Fund managers

Harshil Suvarnkar

Mr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law. Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,

Chanchal Khandelwal

Mr. Khandelwal has done B.Com.(H) and MBA (Finance) Prior to joining Aditya Birla Sun Life Mutual Fund, he has worked with Aditya Birla Retail Limited and Aditya Birla Management Corporation Ltd.

Investment objective

The Scheme seeks to invests predominantly in equity and equity related instruments with marginal allocation to debt and money market instruments.

Aditya Birla Sun Life Mutual Fund details

No. of schemes	88 view all schemes
Total AUM	4,47,038 Cr as on Dec 31, 2025
Address	One World Center, Tower 1, 17th Floor, Jupiter Mill Compound Senapati Bapat Marg, Elphinstone Road Mumbai, 400013

More funds from Aditya Birla Sun Life Mutual Fund

Fund name	ETM Rank	AUM	1Y	5Y
Aditya Birla Sun Life Multi-Asset Omni FoF	N.A.	295 Cr	18.55%	14.51%
Aditya Birla Sun Life Dynamic Asset Allocation Omni FoF	N.A.	234 Cr	9.21%	13.28%
Aditya Birla Sun Life Multi - Asset Passive FoF	N.A.	23 Cr	16.0%	N.A.
Aditya Birla Sun Life Aggressive Hybrid Omni FoF	N.A.	40 Cr	7.83%	11.28%
Aditya Birla Sun Life Equity Hybrid '95 Fund	N.A.	7,533 Cr	7.18%	11.24%
Aditya Birla Sun Life Balanced Advantage Fund	N.A.	8,944 Cr	9.39%	10.58%

See all Hybrid funds from this AMC

Frequently asked questions

What is the current NAV of Aditya Birla Sun Life Retirement Fund - The 40s Plan?

The current Net Asset Value (NAV) of the Aditya Birla Sun Life Retirement Fund - The 40s Plan plan is approximately ₹18.693 as of Feb 02, 2026.

What are the returns of this mutual fund scheme?

The Aditya Birla Sun Life Retirement Fund - The 40s Plan is a 6 yrs 11 m old fund and has delivered average annual returns of 9.47% since inception.

Aditya Birla Sun Life Retirement Fund - The 40s Plan Returns

1-Year	3-Year	5-Year	Since Inception
6.9%	13.16%	9.08%	9.47%

How much does this mutual fund charge as expense ratio?

The Aditya Birla Sun Life Retirement Fund - The 40s Plan has an expense ratio of 2.39%, representing the annual cost of managing and operating the fund. This fee is deducted from the fund's AUM while declaring the daily NAV, reducing investor returns.

What is the AUM or fund size of this mutual fund?

The Aditya Birla Sun Life Retirement Fund - The 40s Plan currently has assets under management (AUM) or fund size valued at approximately 116 Cr as on Dec 31, 2025.

What are the top stock holdings of Aditya Birla Sun Life Retirement Fund - The 40s Plan?

The Aditya Birla Sun Life Retirement Fund - The 40s Plan's equity portion has been invested in the stocks of the following companies

Company	Percentage of Portfolio
ICICI Bank Ltd.	6.95%
HDFC Bank Ltd.	5.41%
Infosys Ltd.	4.55%
Reliance Industries Ltd.	3.57%
Ultratech Cement Ltd.	2.89%
Sun Pharmaceutical Industries Ltd.	2.48%
State Bank of India	2.43%
Kotak Mahindra Bank Ltd.	2.32%
Axis Bank Ltd.	2.2%
Larsen & Toubro Ltd.	2.12%

What are the top sectors Aditya Birla Sun Life Retirement Fund - The 40s Plan has invested in?

The Aditya Birla Sun Life Retirement Fund - The 40s Plan's equity portion is primarily invested in the following sectors -

Sector	Percentage of Portfolio
Financial	24.890000000000004%
Healthcare	7.800000000000001%
Technology	6.75%
Energy	6.18%
Services	4.84%
Automobile	4.44%
Construction	4.3100000000000005%
Consumer Discretionary	3.6799999999999997%
Metals & Mining	3.49%
Capital Goods	3.0599999999999996%

To whom does Aditya Birla Sun Life Retirement Fund - The 40s Plan lend to?

The top 3 debt holdings of Aditya Birla Sun Life Retirement Fund - The 40s Plan are as follows

Holding Name	Percentage of Portfolio
GOI	13.29%
HDFC Bank Ltd.	0.9%

What is the quality of borrowers this mutual fund scheme lends to?

The credit rating of the instruments in which the fund invests represents the quality of the borrower.

The Aditya Birla Sun Life Retirement Fund - The 40s Plan's debt portion's allocation by credit quality is given below

Credit Quality	Percentage of Portfolio
SOV	13.28304048%
Cash & Call Money	7.04727798%
AAA	0.89934718%

What is risk level of Aditya Birla Sun Life Retirement Fund - The 40s Plan?

This is a Retirement Solutions fund comes with Very High risk.

Is there any lock-in period in this mutual fund?

Yes, this fund comes with a mandatory lock-in period of 5 years.

How can I redeem my investments in Aditya Birla Sun Life Retirement Fund - The 40s Plan?

Redeeming your investments in the Aditya Birla Sun Life Retirement Fund - The 40s Plan is simple. If you have invested via ET Money, just log in to the app, go to the holdings section, and submit the redemption request.

If you have invested from anywhere else, you can go to the fund house website and put a request through it.

ET Money rank

App exclusive

in Retirement Solutions

#NA

Return Outperformance: This fund has generated highest return amongst Retirement Solutions funds in the last 5 Years.
Exit Load: This fund has no exit load.
Volatility Protection: This fund ranks lower in terms of protecting against volatility within its category.
Return/Risk: The fund is performing poorly than its category.