Aditya Birla Sun Life Retirement Fund-The 40s Plan
Direct Plan · GROWTH · Retirement Funds · Scheme code 146930
NAV₹21.2690as on 25 Sep 2026
Fund houseAditya Birla Sun Life Mutual Fund
CategoryRetirement Funds
Plan & optionDirect · GROWTH
History7.5 years
Returns (%)
1M
3M
6M
1Y
3Y
5Y
7Y
10Y
Launch
This scheme
-2.01
0.66
7.20
1.44
10.65
9.01
11.97
—
10.62
Nifty 100 benchmark
0.25
3.49
-1.52
1.84
10.52
9.38
—
—
12.79
Retirement Funds category median
—
—
—
3.49
8.68
8.23
—
10.08
—
Over a year annualised (CAGR), under a year absolute. Computed from AMFI's published
NAV history for this scheme.
Risk
Volatility
Sharpe
Sortino
Beta
Alpha
Max fall
R²
This scheme
12.0%
0.35
0.47
0.69
0.92%
-27.3%
88.44
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
Drawdown from peak (%)
Every one-year period it has lived through
Windows
Worst
Median
Best
Periods that lost money
322
-19.6%
10.8%
47.4%
12%
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.
How it behaves against its benchmark
Up capture
Down capture
Correlation
Tracking error
Information ratio
Treynor
75%
64%
0.94
7.0%
-0.14
7.29
Up capture is how much of the benchmark's gain this scheme kept in the months the
benchmark rose; down capture, how much of its fall it took. Below 100 on the down side and above it
on the up side is the combination every fund is trying for and few reach.
Measured over the 82 months this scheme and
Nifty 100 share.
Aditya Birla Sun Life Retirement Fund-The 40s Plan
Direct Plan · GROWTH
Allocation
By asset
Equity
78.88%
Debt
12.70%
Cash & Equivalents
8.42%
By market cap
Large Cap
50.97%
Mid Cap
13.78%
Small Cap
12.70%
Unclassified
14.13%
Concentration
Number of stocks
62
Top 5 stocks
22.85%
Top 10 stocks
36.25%
Top 20 stocks
55.38%
Lines in the filing
64
Largest holding
6.64%
Largest sector
Banks 19.77%
Effective stocks
43.5
Sectors held
30
Cash
8.42%
Effective stocks is what the concentration works out to: a fund holding
62 names but most of its money in a few
behaves like a fund of 44. Cash includes repo and TREPS, which
every fund parks money in overnight.
Sector split
Banks
19.77%
Sovereign
11.82%
Cash & Equivalents
8.42%
Pharmaceuticals & Biotechnology
6.49%
IT - Software
5.58%
Consumer Durables
5.25%
Insurance
3.60%
Auto Components
3.58%
Retailing
3.56%
Non - Ferrous Metals
3.31%
Petroleum Products
2.89%
Healthcare Services
2.86%
Cement & Cement Products
2.80%
Construction
2.41%
Finance
2.33%
Electrical Equipment
2.26%
Automobiles
1.72%
Realty
1.66%
Power
1.53%
Telecom - Services
1.33%
Aditya Birla Sun Life Retirement Fund-The 40s Plan
Direct Plan · GROWTH · holdings
Top 30 holdings
#
Company
Sector
Shares held
Value ₹ cr
% of fund
1
TREPS
Unclassified
—
9
7.96%
2
ICICI Bank Ltd.
Banks
53,000
8
6.64%
3
Government of India (06/10/2035)
Sovereign
750,000
7
6.28%
4
HDFC Bank Ltd.
Banks
63,118
4
3.86%
5
Infosys Ltd.
IT - Software
32,548
4
3.18%
6
Government of India (22/04/2064)
Sovereign
350,000
3
2.90%
7
Reliance Industries Ltd.
Petroleum Products
26,304
3
2.89%
8
Sun Pharmaceutical Industries Ltd.
Pharmaceuticals & Biotechnology
16,676
3
2.85%
9
Ultratech Cement Ltd.
Cement & Cement Products
2,834
3
2.80%
10
State Bank of India
Banks
28,652
3
2.62%
11
Axis Bank Ltd.
Banks
20,000
3
2.24%
12
Kotak Mahindra Bank Ltd.
Banks
61,000
3
2.20%
13
Hindalco Industries Ltd.
Non - Ferrous Metals
25,000
3
2.19%
14
Coforge Ltd.
IT - Software
12,415
2
2.12%
15
Larsen & Toubro Ltd.
Construction
6,000
2
2.09%
16
Sai Life Sciences Ltd.
Pharmaceuticals & Biotechnology
15,000
2
1.89%
17
Government of India (17/04/2030)
Sovereign
200,000
2
1.76%
18
Torrent Pharmaceuticals Ltd.
Pharmaceuticals & Biotechnology
4,000
2
1.75%
19
Bajaj Auto Ltd.
Automobiles
1,644
2
1.72%
20
S.J.S. Enterprises Ltd.
Auto Components
8,000
2
1.72%
21
Apollo Hospitals Enterprise Ltd.
Healthcare Services
2,200
2
1.69%
22
Brigade Enterprises Ltd.
Realty
29,392
2
1.66%
23
Bank of Maharashtra
Banks
225,420
2
1.59%
24
ICICI Lombard General Insurance Company Ltd.
Insurance
11,000
2
1.49%
25
NTPC Ltd.
Power
51,000
2
1.44%
26
Dixon Technologies (India) Ltd.
Consumer Durables
1,119
2
1.43%
27
Eternal Ltd.
Retailing
50,000
2
1.41%
28
Avenue Supermarts Ltd.
Retailing
4,000
2
1.34%
29
TD Power Systems Ltd.
Electrical Equipment
20,000
2
1.34%
30
Bharti Hexacom Ltd.
Telecom - Services
10,000
2
1.33%
Aditya Birla Sun Life Retirement Fund-The 40s Plan
Direct Plan · GROWTH · where the money sits
What the manager did last month
Between the filings of 31 Jul 2026 and 31 Aug 2026.
A position grows because the manager bought or because the price rose; only the share count separates them.
Bought
Sold
New positions
Sold out of
Price move of holdings
₹0 cr
₹1 cr
1
1
+1.61%
Stock
Shares traded
Shares
Price
Value ₹ cr
New position
TD Power Systems Ltd.
20,000
entered
—
1.6
Trimmed
BlueStone Jewellery & Lifestyle Ltd.
12,000
-40.0%
+0.2%
1.0
Sold out of
TD Power Systems Ltd.
10,000
exited
—
1.1
Not equity
Previous filing
This filing
Change
Cash, repo and TREPS
₹0 cr
₹0 cr
+₹0 cr
Debt: bills, CDs and commercial paper
₹15 cr
₹15 cr
−₹0 cr
The list above is stocks and fund units. Treasury bills, repo and money-market
lines roll over every month by design — they are not decisions, so they are totalled here rather
than listed as activity.
A ₹10,000 monthly SIP over five years
Invested
Value
Gain
XIRR
₹600,000
₹774,313
₹174,313
10.14%
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 27 Sep 2026.
