Aditya Birla Sun Life Retirement Fund-The 40s Plan
Aditya Birla Sun Life Mutual Fund · Retirement · Regular plan, growth option
NAV (₹), 2 Oct 2026
18.5640
1-day change
-0.55%
1Y return
-1.1%
3Y CAGR
8.4%
5Y CAGR
7.0%
Max drawdown, 5Y
−15.4%
NAV history month-end NAV, ₹ · 13 Mar 2019 to 1 Oct 2026
Returns vs Retirement median (29 schemes)
| Period | Scheme | Category median |
|---|---|---|
| 1 month | -5.3% | -4.5% |
| 3 months | -2.4% | -2.7% |
| 6 months | 4.9% | 4.9% |
| Year to date | -3.3% | -2.5% |
| 1 year | -1.1% | -0.1% |
| 3 years (CAGR) | 8.4% | 7.2% |
| 5 years (CAGR) | 7.0% | 7.0% |
| 7 years (CAGR) | 9.5% | 9.9% |
| 10 years (CAGR) | n/a | 9.0% |
| Since first NAV (CAGR) | 8.5% | – |
Rolling returns every business-day start date
| Measure | Scheme | Category median |
|---|---|---|
| 1Y rolling median | 8.7% | 8.1% |
| 3Y rolling median | 11.2% | 11.3% |
| 3Y rolling worst | 5.0% | 4.3% |
| 3Y periods positive | 100% | 100% |
| 3Y periods ahead of benchmark | n/a | n/a |
| 5Y rolling median | 11.5% | 10.5% |
| 5Y rolling worst | 7.0% | 5.6% |
| 5Y periods ahead of benchmark | n/a | n/a |
Benchmark: none available in MFIC's free data for this category.
Risk 36 months, monthly returns, Rf 6.5%
| Measure | Scheme | Category median |
|---|---|---|
| Standard deviation (ann.) | 11.5% | 10.9% |
| Sharpe ratio | 0.25 | 0.10 |
| Sortino ratio | 0.35 | 0.13 |
| Beta | n/a | n/a |
| Alpha (ann.) | n/a | n/a |
| Upside capture | n/a | n/a |
| Downside capture | n/a | n/a |
Drawdowns peak-to-trough falls in NAV
| Measure | Scheme | Category median |
|---|---|---|
| Maximum drawdown, full history | −27.4% | −18.1% |
| Maximum drawdown, last 10Y | n/a | −23.5% |
| Maximum drawdown, last 5Y | −15.4% | −12.7% |
| Current drawdown | −5.9% | −5.8% |
| Recovery time of worst fall | 231 days | – |
Longer histories include more crises, so compare the 5Y and 10Y figures across schemes of different ages.
Cost, size and riskometer as disclosed to AMFI
| Measure | Scheme | Category median |
|---|---|---|
| Expense ratio (TER), Regular plan | n/a | 2.53% |
| AUM, whole scheme (₹ crore) | 110 | 269 |
| Riskometer | Very High | – |
TER: AMFI, TER of MF Schemes. AUM and riskometer: AMFI, Fund Performance, 30 Sep 2026.
Official benchmark and category consistency
| Measure | Scheme | Benchmark / category |
|---|---|---|
| Return, 1 year (AMFI) | 0.2% | -0.9% TRI |
| Return, 3 years (AMFI) | 8.6% | 8.1% TRI |
| Return, 5 years (AMFI) | 7.0% | 7.6% TRI |
| Month-ends above category median (3Y CAGR) | 36% | 35% median |
| Month-ends in category top quartile (3Y) | 0% | 9% median |
Official benchmark: CRISIL Hybrid 35+65 - Aggressive Index (total return index, as published by AMFI). Category consistency: last 10 years of month-ends, Retirement Regular plans; how it is calculated.
Calendar-year returns NAV change from 31 Dec to 31 Dec
| Year | Scheme | Benchmark | Difference |
|---|---|---|---|
| 2026 YTD | -3.3% | n/a | – |
| 2025 | 4.4% | n/a | – |
| 2024 | 17.5% | n/a | – |
| 2023 | 19.0% | n/a | – |
| 2022 | 0.2% | n/a | – |
| 2021 | 10.8% | n/a | – |
| 2020 | 14.5% | n/a | – |
No free benchmark proxy for this category. The first year starts from the first 31 December in the scheme's history.
Monthly SIP of ₹10,000 first business day of each month, ending 2 Oct 2026
| Period | Invested | Value | XIRR |
|---|---|---|---|
| 1 year | ₹1,20,000 | ₹1,17,442 | -3.9% |
| 3 years | ₹3,60,000 | ₹3,78,754 | 3.3% |
| 5 years | ₹6,00,000 | ₹7,20,426 | 7.2% |
Uses this plan's NAVs; ignores stamp duty, exit loads and taxes. One historical path only — the interactive SIP analyzer shows outcomes across every start date.
Scheme facts
Category: Retirement
Plan / option: Regular · Growth
AMFI scheme code: 146929
ISIN: INF209KB1I56
First NAV in MFIC data: 13 Mar 2019
History: 7.6 years
Expense ratio, AUM, portfolio: see the scheme's factsheet
Schemes that behaved similarly correlation of monthly returns, last 5 years
| Scheme | Category | Correlation | 3Y CAGR |
|---|---|---|---|
| Baroda BNP Paribas Retirement Fund | Retirement | 0.98 | n/a |
| Union Children's Fund | Children's | 0.97 | n/a |
| Aditya Birla Sun Life Retirement Fund-The 30s Plan | Retirement | 0.97 | 13.6% |
| Nippon India Retirement Fund- Wealth Creation Scheme | Retirement | 0.96 | 8.3% |
| PGIM India Retirement Fund | Retirement | 0.96 | n/a |
| ADITYA BIRLA SUN LIFE BAL BHAVISHYA YOJNA | Children's | 0.96 | 8.1% |
Questions about Aditya Birla Sun Life Retirement Fund-The 40s Plan
- What is the latest NAV of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- The NAV of the Regular plan (growth option) was ₹18.5640 on 2 Oct 2026, as published by AMFI.
- Which category is Aditya Birla Sun Life Retirement Fund-The 40s Plan in?
- It is classified as Retirement in AMFI's daily NAV file. MFIC compares it with 29 Retirement schemes (Regular plans).
- What returns has Aditya Birla Sun Life Retirement Fund-The 40s Plan delivered?
- Over one year the NAV changed by -1.1%. The 3-year CAGR is 8.4% (category median 7.2%) and the 5-year CAGR is 7.0% (category median 7.0%). Returns are after expenses and before tax. Past performance may or may not be sustained in future.
- How consistent have its 3-year returns been?
- Measuring a 3-year CAGR from every business day in its history, the median was 11.2%, the lowest was 5.0%, and 100% of 3-year periods ended with a gain.
- What was the largest fall in Aditya Birla Sun Life Retirement Fund-The 40s Plan's NAV?
- The largest peak-to-trough fall in its available history was 27.4%; within the last five years it was 15.4% (category median 12.7%).
- How volatile is Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- Its annualised standard deviation of monthly returns over the last 36 months is 11.5%, which is above the Retirement category median of 10.9%.
- What would a monthly SIP in Aditya Birla Sun Life Retirement Fund-The 40s Plan have grown to?
- A SIP of ₹10,000 on the first business day of each month for the last 5 years (60 instalments, ₹6,00,000 invested) would have been worth about ₹7,20,426 on 2 Oct 2026, an annualised return (XIRR) of 7.2%. This uses the Regular plan's NAVs, ignores taxes and exit loads, and past performance may or may not be sustained in future.
- How large is Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- Assets under management of the whole scheme were ₹110 crore on 30 Sep 2026, as published by AMFI.
- What is the riskometer level of Aditya Birla Sun Life Retirement Fund-The 40s Plan?
- AMFI lists the scheme's riskometer as “Very High”, and its benchmark's as “High”. The riskometer is a label of potential risk set under SEBI rules, not a forecast.
- What is the benchmark of Aditya Birla Sun Life Retirement Fund-The 40s Plan and how has it compared?
- Its official benchmark is the CRISIL Hybrid 35+65 - Aggressive Index. Over 3 years AMFI reports a return of 8.6% for this plan against 8.1% for the benchmark total return index; over 5 years 7.0% against 7.6%. Past performance does not indicate future results.
- How often has Aditya Birla Sun Life Retirement Fund-The 40s Plan beaten its category?
- At 36% of the 55 month-ends compared over the last 10 years, its 3-year return was above the median of Retirement schemes (Regular plans); it was in the top quarter at 0% of them. A typical scheme would show about 50%.
- What is the difference between the Direct and Regular plans?
- Both plans hold the same portfolio; the Regular plan includes distribution costs in its expense ratio. Over one year the Direct plan's NAV changed by 0.2% and the Regular plan's by -1.1%. The Regular plan includes the services of a distributor.
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Data & disclosure. Source: AMFI daily NAV file and historical NAVs via mfapi.in; calculations by MFIC, as of 2 Oct 2026. Category medians use Regular plans in the same AMFI category. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Past performance may or may not be sustained in future. This page is for research and education only and is not investment advice or a recommendation to buy, sell or hold any scheme. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Methodology.