Aditya Birla Sun Life Retirement Fund-The 40s Plan vs HDFC Retirement Fund - Equity Plan
Aditya Birla Sun Life Retirement Fund-The 40s Plan and HDFC Retirement Fund - Equity Plan are both Retirement Funds. As of 6 Nov 2026 (Direct plan, Growth option): 3-year CAGR +12.25% vs +10.96%, 5-year CAGR +9.46% vs +12.35%, volatility 11.66% vs 13.63%, maximum drawdown −27.28% vs −34.89%. Their portfolios overlap by 33.1% (16 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 | HDFC Retirement Fund - Equity Plan | |
|---|---|---|
| Fund house | Aditya Birla Sun Life Mutual Fund | HDFC Mutual Fund |
| Compared as | Retirement Funds | Retirement Funds |
| NAV | ₹21.8850 | ₹57.0860 |
| NAV date | 6 Nov 2026 | 6 Nov 2026 |
| Launched (first NAV) | 13 Mar 2019 | 26 Feb 2016 |
| Track record | 7.7 yrs | 10.7 yrs |
| Fund size (AUM) | ₹110 Cr | ₹6,998 Cr |
| Securities held | 62 | 72 |
| Portfolio as of | 30 Sep 2026 | 31 Aug 2026 |
| Fund page | Full record → | Full record → |
Returns
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | HDFC Retirement Fund - Equity Plan | |
|---|---|---|
| 1 month | +5.24% | +6.83% |
| 3 months | −0.15% | +0.57% |
| 6 months | +3.72% | +3.05% |
| 1 year | +3.00% | −1.87% |
| 3 years (CAGR) | +12.25% | +10.96% |
| 5 years (CAGR) | +9.46% | +12.35% |
| 7 years (CAGR) | +11.27% | +17.86% |
| 10 years (CAGR) | — | +15.74% |
| Since launch (CAGR) | +10.76% | +17.69% |
| SIP return (XIRR, 5 years) ⓘ | +10.63% | +10.68% |
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 | HDFC Retirement Fund - Equity Plan | |
|---|---|---|
| 2026 (year to date) | +3.03% | −3.19% |
| 2025 | +5.82% | +6.24% |
| 2024 | +19.20% | +19.33% |
| 2023 | +20.66% | +34.15% |
| 2022 | +1.61% | +9.95% |
| 2021 | +12.52% | +44.27% |
Risk
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | HDFC Retirement Fund - Equity Plan | |
|---|---|---|
| Volatility (annualised) ⓘ | 11.66% | 13.63% |
| Downside volatility ⓘ | 8.10% | 9.86% |
| Sharpe ratio ⓘ | 0.49 | 0.33 |
| Sortino ratio ⓘ | 0.71 | 0.45 |
| Maximum drawdown ⓘ | −27.28% | −34.89% |
| Recovery from that fall | 5 months | 7 months |
| Current fall from peak | −0.56% | −4.16% |
| Rolling 1-year return: worst | −20.73% | −30.94% |
| Rolling 1-year return: median | +10.13% | +12.14% |
| Rolling 1-year return: best | +58.84% | +95.98% |
| Share of 1-year periods with a loss | 12.42% | 17.12% |
Against each fund's benchmark
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | HDFC Retirement Fund - Equity Plan | |
|---|---|---|
| Beta ⓘ | 0.74 | 0.90 |
| Alpha (Jensen's, annualised) ⓘ | +2.48% | +0.95% |
| R² ⓘ | 89.06 | 95.30 |
| Upside capture | 85.28% | 95.02% |
| Downside capture | 64.33% | 87.44% |
| Tracking error | 5.48% | 3.33% |
| Information ratio | 0.43 | 0.27 |
| Treynor ratio | 5.89 | 3.20 |
Portfolio
Asset mix
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | HDFC Retirement Fund - Equity Plan | |
|---|---|---|
| Equity | 78.20% | 93.58% |
| Debt | 13.23% | 0.00% |
| Cash & equivalents | 8.57% | 4.91% |
| ETF Units | 0.00% | 0.94% |
| REITs / InvITs | 0.00% | 0.57% |
Market-cap split (share of fund assets)
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | HDFC Retirement Fund - Equity Plan | |
|---|---|---|
| Large Cap | 50.51% | 63.19% |
| Mid Cap | 13.52% | 10.14% |
| Small Cap | 12.65% | 20.17% |
| Unclassified | 1.52% | 0.08% |
Concentration
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | HDFC Retirement Fund - Equity Plan | |
|---|---|---|
| Top 10 holdings | 36.18% | 41.20% |
| Effective number of stocks ⓘ | 43.7 | 38.5 |
| Securities held | 62 | 72 |
Portfolio overlap: 33.1%
16 companies are held by both funds; by weight, 33.1% of the two portfolios is the same. That is a moderate overlap.
| Held by both | Aditya Birla Sun Life Retirement Fund-The 40s Plan | HDFC Retirement Fund - Equity Plan |
|---|---|---|
| ICICI Bank Limited | 6.37% | 7.69% |
| HDFC Bank Limited | 4.07% | 6.59% |
| Reliance Industries Limited | 2.84% | 4.74% |
| State Bank of India | 2.50% | 3.03% |
| Infosys Limited | 2.94% | 2.43% |
| Kotak Mahindra Bank Limited | 2.32% | 4.20% |
| Axis Bank Limited | 2.23% | 4.46% |
| Larsen & Toubro Limited | 2.05% | 2.31% |
| ICICI Lombard General Insurance Company Limited | 1.59% | 1.57% |
| Eternal Limited | 1.46% | 1.41% |
| NTPC Limited | 1.50% | 1.17% |
| Max Financial Services Limited | 1.13% | 1.35% |
| Bajaj Auto Limited | 1.63% | 1.04% |
| Apollo Hospitals Enterprise Limited | 1.64% | 0.95% |
| Timken India Ltd. | 0.63% | 0.55% |
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%
HDFC Retirement Fund - Equity Plan
- ICICI Bank Limited7.69%
- HDFC Bank Limited6.59%
- Reliance Industries Limited4.74%
- Axis Bank Limited4.46%
- Kotak Mahindra Bank Limited4.20%
- Maruti Suzuki India Limited3.07%
- State Bank of India3.03%
- Bharti Airtel Limited2.59%
- Infosys Limited2.43%
- Tata Consultancy Services Limited2.40%
Sector exposure
| Aditya Birla Sun Life Retirement Fund-The 40s Plan | HDFC Retirement Fund - Equity Plan | |
|---|---|---|
| Banks | 19.75% | 26.39% |
| Sovereign | 12.30% | 0.00% |
| IT - Software | 5.19% | 7.24% |
| Automobiles | 1.63% | 6.76% |
| Pharmaceuticals & Biotechnology | 6.58% | 4.48% |
| Transport Services | 0.00% | 5.74% |
| Petroleum Products | 2.84% | 5.63% |
| Consumer Durables | 5.18% | 2.86% |
| Insurance | 3.63% | 4.69% |
| Retailing | 3.77% | 1.41% |
| Auto Components | 3.59% | 1.33% |
| Construction | 2.35% | 3.32% |
| Non - Ferrous Metals | 3.27% | 0.00% |
| Healthcare Services | 2.69% | 2.89% |
Questions people ask
What is the difference between Aditya Birla Sun Life Retirement Fund-The 40s Plan and HDFC Retirement Fund - Equity Plan returns?
As of 6 Nov 2026, Direct plan Growth option: 1-year return +3.00% vs −1.87%; 3-year CAGR +12.25% vs +10.96%; 5-year CAGR +9.46% vs +12.35%; 10-year CAGR — vs +15.74%. Past returns do not indicate future returns.
How do Aditya Birla Sun Life Retirement Fund-The 40s Plan and HDFC Retirement Fund - Equity Plan compare on risk?
Volatility (36 monthly returns, annualised) 11.66% vs 13.63%; Sharpe ratio 0.49 vs 0.33; Sortino ratio 0.71 vs 0.45; maximum drawdown −27.28% vs −34.89%; beta 0.74 vs 0.90.
How much do Aditya Birla Sun Life Retirement Fund-The 40s Plan and HDFC Retirement Fund - Equity Plan overlap?
By weight, 33.1% of the two portfolios is invested in the same companies; 16 stocks are held by both, the largest shared positions being ICICI Bank Limited, HDFC Bank Limited, Reliance Industries Limited. Based on the portfolios disclosed for Sep 2026 and Aug 2026.
What is the large, mid and small cap split of Aditya Birla Sun Life Retirement Fund-The 40s Plan and HDFC Retirement Fund - Equity Plan?
Aditya Birla Sun Life Retirement Fund-The 40s Plan: large cap 50.5%, mid cap 13.5%, small cap 12.7%. HDFC Retirement Fund - Equity Plan: large cap 63.2%, mid cap 10.1%, small cap 20.2% (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 6 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.