Aditya Birla Sun Life Retirement Fund-The 40s Plan
NAV
₹21.96
as of 21 Aug 2026
Aditya Birla Sun Life Retirement Fund-The 40s Plan is an open-ended Retirement Fund scheme from Aditya Birla Sun Life Mutual Fund managing ₹116 crore (as of 31 Jul 2026). Its Direct-plan NAV is ₹21.96 as of 21 Aug 2026. The expense ratio is 0.95% a year. Managed by Harshil Suvarnkar. This page is factual data only — it carries no rating and no recommendation.
Key facts
- Expense ratio
- 0.95% / yr
- as of 30 Jun 2026
- Fund size
- ₹116 crore
- as of 31 Jul 2026
- Exit load
- None
- SIP available
- Yes
- Launched
- 12 Mar 2019
- ISIN
- INF209KB1I80
₹100 invested, fund vs category
The category line is the average of the funds in this category, built from NYVO’s own NAV data.
Rebased to 100data to 20 Aug 2026Benchmark: CRISIL Hybrid 35+65 - Aggressive Fund Index
Aditya Birla Sun Life Retirement Fund-The 40s Plan
₹166
+66% on ₹100 over 5.0 yrs
Retirement Fund average
₹163
+63% on ₹100 over 5.0 yrs
Returns vs category
| Window | Fund | Category avg | Gap |
|---|---|---|---|
| 6 months | 2.72% | – | – |
| 1 year | 5.35% | – | – |
| 3 years (CAGR) | 12.79% | – | – |
| 5 years (CAGR) | 10.60% | – | – |
No category average is available for this fund. Short windows are noise; the 3 and 5-year rows are the record. Past returns do not predict future returns.
A single return number depends on its start date. These are ALL the overlapping holding periods, so the worst case is visible — read that number first.
1-year holding periods
- Worst
- -3.8%
- Median
- 10.1%
- Best
- 31.4%
49 windows over the last 60 months, stepped monthly; 92% ended positive. Worst window began 1 Jul 2021. Windows overlap — this is the range of past start dates, not a probability of anything.
3-year holding periods (per year)
- Worst
- 11.6%
- Median
- 14.2%
- Best
- 18.5%
25 windows over the last 60 months, stepped monthly; 100% ended positive. Worst window began 1 Feb 2022. Windows overlap — this is the range of past start dates, not a probability of anything.
Risk, measured
- Sharpe ratio (3Y)
- 0.49
- Sharpe ratio (5Y)
- 0.43
- Sortino ratio (3Y)
- 0.71
- Standard deviation (3Y)
- 11.24%
- Deepest fall (5Y)
- -10.62%
Distance below its own peak
Every dip below 0 is the fund trading under a previous high — how deep and for how long is what a drawdown feels like.
Deepest fall
-10.6%
Right now
-0.2% below peak
Where the money actually is
Equity
78.8%
Bonds
12.8%
Cash
8.4%
Whole-portfolio split, as of 31 Jul 2026. The size split below covers only the equity slice of this.
What it owns
64 positions · top 10 = 36.6%
Market-cap mix (equity sleeve)
Large 51.2%Mid 13.6%Small 13.9%Other 21.3%
as of 31 Jul 2026
Holdings by sector
Financial Services(3 in top 10)25.5%
- ICICI Bank Ltd6.59%
- HDFC Bank Ltd4.09%
- State Bank of India2.55%
- Consumer Cyclical12.5%
Healthcare(1 in top 10)9.4%
- Sun Pharmaceuticals Industries Ltd2.87%
Basic Materials(1 in top 10)7.6%
- UltraTech Cement Ltd2.92%
Technology(1 in top 10)6.7%
- Infosys Ltd3.18%
- Industrials5.7%
Energy(1 in top 10)4.2%
- Reliance Industries Ltd2.98%
- Consumer Defensive2.7%
Sectors marked ▶ expand to show this fund’s top-10 holdings in that sector. Holdings as of 31 Jul 2026. Portfolio turnover 29.8% a year.
Other top holdings
- Treps7.54%
- 6.48% Govt Stock 2035matures 6 Oct 20356.34%
- 7.34% Govt Stock 2064matures 22 Apr 20642.94%
Money in, money out
- Net flow, 12 months
- −₹4 cr
- Net flow, 3 months
- −₹1 cr
as of 31 Jul 2026. Flows follow performance more than they predict it.
Quick answers
- What is the NAV of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- ₹21.96 per unit as of 21 Aug 2026 (Direct plan, growth). NAV is declared daily on working days.
- What is the expense ratio of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- 0.95% a year for the Direct plan, as of 30 Jun 2026.
- How large is Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- ₹116 crore under management as of 31 Jul 2026, in the Retirement Fund category.
- How risky is Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- Its SEBI Riskometer reading is "Very High Risk". A goal-linked wrapper with a lock-in until retirement or five years.
- What are the 5-year returns of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- 10.60% a year over the last 5 years (Direct plan, CAGR). Past returns do not predict future returns.
- What is the worst 3-year return of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- 11.6% a year — the weakest of 25 overlapping 3-year holding periods, beginning 1 Feb 2022. The median was 14.2% and 100% of those windows ended positive. Windows overlap, so this is the range of past start dates, not a probability.
- Who manages Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- Harshil Suvarnkar, managing this fund for 5.4 years.
Where this fund sits
Its shelf, all funds
Rt · Retirement fund →
A goal-linked wrapper with a lock-in until retirement or five years.
The money map
How big this shelf is in India →
The whole industry sized by real money, from AMFI’s monthly data.
Side by side
Compare this fund →
Put it next to any other fund — growth, returns, risk and cost in one table.
One bet or two?
Check its overlap →
See whether it owns the same stocks as your other funds.
Other Retirement Fund funds
- HDFC Retirement Savings Fund - Equity Plan₹7,014 crore
- SBI Retirement Benefit Fund - Aggressive Plan₹3,159 crore
- Aditya Birla Sun Life Retirement Fund-The 30s Plan₹473 crore
- Nippon India Retirement Fund- Income Generation Scheme₹144 crore
- SBI Retirement Benefit Fund - Conservative Plan₹141 crore
- PGIM India Retirement Fund₹106 crore
- ICICI Prudential Retirement Fund Hybrid Conservative Plan₹97 crore
- Aditya Birla Sun Life Retirement Fund-The 50s Plan₹27 crore
Data: NYVO research systems; each block above states its own as-of date, and blocks with no data for this fund are omitted rather than estimated. NAV updates daily on working days. The benchmark (CRISIL Hybrid 35+65 - Aggressive Fund Index) is named for reference only; its values are licensed and never shown. This page is factual information about one scheme. It is not investment advice, not a recommendation, and it carries no rating of any kind. Past performance does not predict future returns. Mutual fund investments are subject to market risks; read all scheme related documents carefully.