Aditya Birla Sun Life Retirement Fund-The 40s Plan vs Aditya Birla Sun Life Retirement Fund-The 50s Plan
Aditya Birla Sun Life Retirement Fund-The 40s Plan and Aditya Birla Sun Life Retirement Fund-The 50s Plan are both Retirement Funds. As of 5 Nov 2026 (Direct plan, Growth option): 3-year CAGR +12.04% vs +8.25%, 5-year CAGR +9.25% vs +7.05%, volatility 11.53% vs 4.38%, maximum drawdown −27.28% vs −4.99%. Their portfolios overlap by 29.7% (36 stocks held by both).
Showing the Direct plan, Growth option. Portfolio, sector and market-cap figures are the same for every plan and option of a fund.
Key facts
| 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 |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹21.6670 | ₹16.7891 |
| NAV date | 5 Nov 2026 | 5 Nov 2026 |
| Launched (first NAV) | 13 Mar 2019 | 13 Mar 2019 |
| Track record | 7.6 yrs | 7.6 yrs |
| Fund size (AUM) | ₹110 Cr | ₹27 Cr |
| Securities held | 62 | 45 |
| Portfolio as of | 30 Sep 2026 | 30 Sep 2026 |
| Fund page | Full record → | Full record → |
Returns
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan | |
|---|---|---|
| 1 month | +3.80% | +1.27% |
| 3 months | −1.24% | −0.69% |
| 6 months | +2.41% | +1.82% |
| 1 year | +1.09% | +3.22% |
| 3 years (CAGR) | +12.04% | +8.25% |
| 5 years (CAGR) | +9.25% | +7.05% |
| 7 years (CAGR) | +11.08% | +6.89% |
| 10 years (CAGR) | — | — |
| Since launch (CAGR) | +10.62% | +6.99% |
| SIP return (XIRR, 5 years) ⓘ | +10.21% | +7.41% |
Up to one year: absolute return. Beyond one year: CAGR. Computed from each fund's own NAV history (AMFI), measured to the latest NAV.
Calendar-year returns
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan | |
|---|---|---|
| 2026 (year to date) | +2.01% | +3.29% |
| 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% |
Risk
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 11.53% | 4.38% |
| Downside volatility ⓘ | 8.10% | 3.29% |
| Sharpe ratio ⓘ | 0.48 | 0.40 |
| Sortino ratio ⓘ | 0.69 | 0.54 |
| Maximum drawdown ⓘ | −27.28% | −4.99% |
| Recovery from that fall | 5 months | 2 months |
| Current fall from peak | −1.55% | −0.90% |
| Rolling 1-year return: worst | −20.73% | −2.19% |
| Rolling 1-year return: median | +10.13% | +7.46% |
| Rolling 1-year return: best | +58.84% | +14.93% |
| Share of 1-year periods with a loss | 12.42% | 2.79% |
Against each fund's benchmark
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan | |
|---|---|---|
| Beta ⓘ | 0.74 | 0.28 |
| Alpha (Jensen's, annualised) ⓘ | +2.48% | +0.37% |
| R² ⓘ | 89.06 | 87.59 |
| Upside capture | 85.28% | 43.02% |
| Downside capture | 64.33% | 18.39% |
| Tracking error | 5.48% | 10.81% |
| Information ratio | 0.43 | -0.06 |
| Treynor ratio | 5.89 | 4.67 |
Portfolio
Asset mix
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan | |
|---|---|---|
| Equity | 78.20% | 23.75% |
| Debt | 13.23% | 45.26% |
| Cash & equivalents | 8.57% | 30.96% |
Market-cap split (share of fund assets)
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan | |
|---|---|---|
| Large Cap | 50.51% | 15.01% |
| Mid Cap | 13.52% | 3.60% |
| Small Cap | 12.65% | 3.38% |
| Unclassified | 1.52% | 1.78% |
Concentration
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan | |
|---|---|---|
| Top 10 holdings | 36.18% | 51.63% |
| Effective number of stocks ⓘ | 43.7 | 17.5 |
| Securities held | 62 | 45 |
Portfolio overlap: 29.7%
36 companies are held by both funds; by weight, 29.7% of the two portfolios is the same. That is a moderate overlap.
| Held by both | Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan |
|---|---|---|
| 6.48% Government of India (06/10/2035) | 6.52% | 19.74% |
| 7.17% Government of India | 1.84% | 2.84% |
| ICICI Bank Limited | 6.37% | 1.74% |
| HDFC Bank Limited | 4.07% | 1.60% |
| TD Power Systems Limited | 1.43% | 1.78% |
| Hindalco Industries Limited | 2.14% | 1.24% |
| State Bank of India | 2.50% | 1.02% |
| Fortis Healthcare Limited | 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 Limited | 0.95% | 0.90% |
| S.J.S. Enterprises Limited | 1.64% | 0.85% |
| Axis Bank Limited | 2.23% | 0.78% |
| UltraTech Cement Limited | 2.83% | 0.77% |
| Max Financial Services Limited | 1.13% | 0.76% |
Top 10 holdings
Aditya Birla Sun Life Retirement Fund-The 40s Plan
- 6.48% Government of India (06/10/2035)6.52%
- ICICI Bank Limited6.37%
- HDFC Bank Limited4.07%
- 7.34% GOI MAT 2204643.03%
- Infosys Limited2.94%
- Reliance Industries Limited2.84%
- UltraTech Cement Limited2.83%
- Sun Pharmaceutical Industries Limited2.76%
- State Bank of India2.50%
- Kotak Mahindra Bank Limited2.31%
Aditya Birla Sun Life Retirement Fund-The 50s Plan
- 6.48% Government of India (06/10/2035)19.74%
- Government of India (06/02/2033)8.51%
- 8.55% HDFC Bank Ltd. (27/03/2029)7.60%
- Government of India (05/12/2033)3.64%
- State Government Securities (28/08/2035)2.93%
- 7.17% Government of India2.84%
- TD Power Systems Limited1.78%
- ICICI Bank Limited1.74%
- HDFC Bank Limited1.60%
- Hindalco Industries Limited1.24%
Sector exposure
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | Aditya Birla Sun Life Retirement Fund-The 50s Plan | |
|---|---|---|
| Sovereign | 12.30% | 37.67% |
| Banks | 19.75% | 7.19% |
| CRISIL AAA | 0.92% | 7.60% |
| Pharmaceuticals & Biotechnology | 6.58% | 1.50% |
| IT - Software | 5.19% | 0.66% |
| Consumer Durables | 5.18% | 0.28% |
| Retailing | 3.77% | 0.64% |
| Insurance | 3.63% | 1.02% |
| Auto Components | 3.59% | 1.34% |
| Non - Ferrous Metals | 3.27% | 1.24% |
| Petroleum Products | 2.84% | 0.00% |
| Cement & Cement Products | 2.83% | 0.77% |
| Healthcare Services | 2.69% | 2.65% |
| Construction | 2.35% | 0.62% |
Questions people ask
What is the difference between Aditya Birla Sun Life Retirement Fund-The 40s Plan and Aditya Birla Sun Life Retirement Fund-The 50s Plan returns?
As of 5 Nov 2026, Direct plan Growth option: 1-year return +1.09% vs +3.22%; 3-year CAGR +12.04% vs +8.25%; 5-year CAGR +9.25% vs +7.05%; 10-year CAGR — vs —. Past returns do not indicate future returns.
How do Aditya Birla Sun Life Retirement Fund-The 40s Plan and Aditya Birla Sun Life Retirement Fund-The 50s Plan compare on risk?
Volatility (36 monthly returns, annualised) 11.53% vs 4.38%; Sharpe ratio 0.48 vs 0.40; Sortino ratio 0.69 vs 0.54; maximum drawdown −27.28% vs −4.99%; beta 0.74 vs 0.28.
How much do Aditya Birla Sun Life Retirement Fund-The 40s Plan and Aditya Birla Sun Life Retirement Fund-The 50s Plan overlap?
By weight, 29.7% of the two portfolios is invested in the same companies; 36 stocks are held by both, the largest shared positions being 6.48% Government of India (06/10/2035), 7.17% Government of India, ICICI Bank Limited. Based on the portfolios disclosed for Sep 2026 and Sep 2026.
What is the large, mid and small cap split of 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: large cap 50.5%, mid cap 13.5%, small cap 12.7%. Aditya Birla Sun Life Retirement Fund-The 50s Plan: large cap 15.0%, mid cap 3.6%, small cap 3.4% (share of the fund's assets, from its latest disclosed portfolio).
Is this a recommendation to choose one of these funds?
No. This page places the published figures of both funds side by side. It does not rank, rate or recommend either fund; which one suits an investor depends on their goals, horizon and risk tolerance.
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Sources: NAV from AMFI; returns, risk and ratios computed by MF Analyser from each fund's NAV history (risk on 36 monthly returns, risk-free rate 6.5%); benchmark ratios against each fund's benchmark total-return index; portfolios from each fund house's monthly disclosure. Returns and ratios as of 5 Nov 2026. IDCW options show no return or risk figures because payouts reduce the NAV and AMFI's file carries no payout history to add back. This page compares published figures only — it does not rank, rate or recommend either fund. Past performance does not indicate future returns; mutual fund investments are subject to market risks.