Aditya Birla Sun Life Retirement Fund - The 40s Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 5
Rating
Growth Option 04-12-2025
NAV ₹19.23(R) -0.14% ₹21.26(D) -0.13%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 4.37% 12.55% 11.31% -% -%
Direct 5.81% 14.12% 12.92% -% -%
Nifty 500 TRI 3.82% 15.22% 17.88% 15.87% 14.96%
SIP (XIRR) Regular 9.7% 12.69% 10.77% -% -%
Direct 11.22% 14.28% 12.32% -% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.73 0.35 0.64 1.62% 0.1
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
10.06% -13.65% -11.13% 0.71 7.39%
Fund AUM As on: 30/06/2025 113 Cr
Top Retirement Fund
Fund Name Rank Rating
Icici Prudential Retirement Fund - Pure Equity Plan 1
Icici Prudential Retirement Fund - Hybrid Aggressive Plan 2
Hdfc Retirement Savings Fund - Equity Plan 3
Union Retirement Fund 4
Aditya Birla Sun Life Retirement Fund - The 40s Plan 5
Icici Prudential Retirement Fund - Hybrid Conservative Plan 6

NAV Date: 04-12-2025

Scheme Name NAV Rupee Change Percent Change
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular - Payout of IDCW 15.65
-0.0200
-0.1400%
Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW 17.3
-0.0200
-0.1300%
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-Growth 19.23
-0.0300
-0.1400%
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth 21.26
-0.0300
-0.1300%

Review Date: 04-12-2025

Beginning of Analysis

Aditya Birla Sun Life Retirement Fund - The 40s Plan is the 9th ranked fund in the Retirement Fund category. The category has total 26 funds. The Aditya Birla Sun Life Retirement Fund - The 40s Plan has shown a very good past performence in Retirement Fund. The fund has a Jensen Alpha of 1.62% which is lower than the category average of 3.01%, showing poor performance. The fund has a Sharpe Ratio of 0.73 which is lower than the category average of 0.77.
The past performance of the fund may or may not be sustained in the future. The review is not investment advice nor is it a recommendation to buy or sell funds. The ranking is based on proprietary methodology developed by bmsmoney. The methodology is based on the past performance of the funds and does not guarantee future performance.
Retirement Mutual Funds

Aditya Birla Sun Life Retirement Fund - The 40s Plan Return Analysis

The Aditya Birla Sun Life Retirement Fund - The 40s Plan has delivered a mixed performance across various time horizons, showcasing both strengths and challenges when compared to its Retirement Fund peers and the Nifty 500 TRI benchmark. This analysis examines the fund’s returns over periods ranging from one month to ten years, alongside its Systematic Investment Plan (SIP) performance, highlighting its rankings within the Retirement Fund category and its ability to outperform or underperform the benchmark and category averages.

  • The fund has given a return of -0.81%, 2.83 and 4.17 in last one, three and six months respectively. In the same period the category average return was 0.16%, 2.59% and 3.25% respectively.
  • Aditya Birla Sun Life Retirement Fund - The 40s Plan has given a return of 5.81% in last one year. In the same period the Nifty 500 TRI return was 3.82%. The fund has given 1.99% more return than the benchmark return.
  • The fund has given a return of 14.12% in last three years and rank 12th out of 26 funds in the category. In the same period the Nifty 500 TRI return was 15.22%. The fund has given 1.1% less return than the benchmark return.
  • Aditya Birla Sun Life Retirement Fund - The 40s Plan has given a return of 12.92% in last five years and category average returns is 13.13% in same period. The fund ranked 11th out of 21 funds in the category. In the same period the Nifty 500 TRI return was 17.88%. The fund has given 4.96% less return than the benchmark return.
  • The fund has given a SIP return of 11.22% in last one year whereas category average SIP return is 9.57%. The fund one year return rank in the category is 7th in 29 funds
  • The fund has SIP return of 14.28% in last three years and ranks 8th in 26 funds. Icici Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (24.11%) in the category in last three years.
  • The fund has SIP return of 12.32% in last five years whereas category average SIP return is 11.76%.

Aditya Birla Sun Life Retirement Fund - The 40s Plan Risk Analysis

  • The fund has a standard deviation of 10.06 and semi deviation of 7.39. The category average standard deviation is 8.1 and semi deviation is 5.99.
  • The fund has a Value at Risk (VaR) of -13.65 and a maximum drawdown of -11.13. The category average VaR is -9.67 and the maximum drawdown is -9.97. The fund has a beta of 0.7 which shows that fund is less volatile than the benchmark.

Standard deviation measures the fund's return volatility and Semi deviation focuses on downside volatility. Value at Risk (VaR) is a measure of the risk of investments. Maximum Drawdown is the maximum loss from a peak to a trough of a portfolio. Beta measures the volatility of the fund compared to the benchmark. A beta of 1 indicates that the fund will move in line with the benchmark. A beta of more than 1 indicates that the fund will be more volatile than the benchmark and vice versa.


  • Very Good Performance in Retirement Fund Category
  • Good Performance in Retirement Fund Category
  • Poor Performance in Retirement Fund Category
  • Very Poor Performance in Retirement Fund Category

    • Investors beware: Mutual Fund investments are subject to market risks. Please read the scheme related documents carefully.

    Data Source: www.amfiindia.com

    SEBI Categorization


    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.92 0.33
    0.06
    		-1.56 | 0.95 27 | 29 Poor
    3M Return % 2.47 4.18
    2.30
    		-1.16 | 4.96 13 | 29 Good
    6M Return % 3.46 4.72
    2.67
    		-0.85 | 8.07 9 | 29 Good
    1Y Return % 4.37 3.82
    3.24
    		-2.35 | 9.18 9 | 29 Good
    3Y Return % 12.55 15.22
    12.10
    		5.32 | 22.97 13 | 26 Good
    5Y Return % 11.31 17.88
    11.73
    		3.76 | 24.74 11 | 21 Good
    1Y SIP Return % 9.70
    8.32
    		2.69 | 19.96 10 | 29 Good
    3Y SIP Return % 12.69
    11.14
    		5.27 | 22.37 8 | 26 Good
    5Y SIP Return % 10.77
    10.42
    		4.02 | 21.43 10 | 21 Good
    Standard Deviation 10.06
    8.10
    		1.10 | 14.70 15 | 26 Average
    Semi Deviation 7.39
    5.99
    		0.79 | 10.76 15 | 26 Average
    Max Drawdown % -11.13
    -9.97
    		-19.00 | -0.42 13 | 26 Good
    VaR 1 Y % -13.65
    -9.67
    		-20.07 | 0.00 17 | 26 Average
    Average Drawdown % -4.84
    -4.41
    		-10.34 | -0.15 14 | 26 Good
    Sharpe Ratio 0.73
    0.77
    		-0.08 | 1.16 13 | 26 Good
    Sterling Ratio 0.64
    0.64
    		0.48 | 0.89 12 | 26 Good
    Sortino Ratio 0.35
    0.37
    		-0.03 | 0.59 13 | 26 Good
    Jensen Alpha % 1.62
    3.01
    		-0.62 | 6.00 19 | 26 Average
    Treynor Ratio 0.10
    0.12
    		-0.02 | 0.28 16 | 26 Average
    Modigliani Square Measure % 17.53
    25.31
    		14.74 | 72.17 17 | 26 Average
    Alpha % -2.48
    -2.81
    		-8.18 | 6.99 10 | 26 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

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    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % -0.81 0.33 0.16 -1.44 | 1.04 27 | 29 Poor
    3M Return % 2.83 4.18 2.59 -0.81 | 5.33 13 | 29 Good
    6M Return % 4.17 4.72 3.25 -0.30 | 8.81 8 | 29 Very Good
    1Y Return % 5.81 3.82 4.43 -1.22 | 10.64 8 | 29 Very Good
    3Y Return % 14.12 15.22 13.39 6.53 | 24.66 12 | 26 Good
    5Y Return % 12.92 17.88 13.13 5.03 | 26.45 11 | 21 Good
    1Y SIP Return % 11.22 9.57 3.84 | 21.60 7 | 29 Very Good
    3Y SIP Return % 14.28 12.42 6.44 | 24.11 8 | 26 Good
    5Y SIP Return % 12.32 11.76 5.22 | 23.12 10 | 21 Good
    Standard Deviation 10.06 8.10 1.10 | 14.70 15 | 26 Average
    Semi Deviation 7.39 5.99 0.79 | 10.76 15 | 26 Average
    Max Drawdown % -11.13 -9.97 -19.00 | -0.42 13 | 26 Good
    VaR 1 Y % -13.65 -9.67 -20.07 | 0.00 17 | 26 Average
    Average Drawdown % -4.84 -4.41 -10.34 | -0.15 14 | 26 Good
    Sharpe Ratio 0.73 0.77 -0.08 | 1.16 13 | 26 Good
    Sterling Ratio 0.64 0.64 0.48 | 0.89 12 | 26 Good
    Sortino Ratio 0.35 0.37 -0.03 | 0.59 13 | 26 Good
    Jensen Alpha % 1.62 3.01 -0.62 | 6.00 19 | 26 Average
    Treynor Ratio 0.10 0.12 -0.02 | 0.28 16 | 26 Average
    Modigliani Square Measure % 17.53 25.31 14.74 | 72.17 17 | 26 Average
    Alpha % -2.48 -2.81 -8.18 | 6.99 10 | 26 Good
    Return data last Updated On : Dec. 4, 2025.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : Oct. 31, 2025
    KPIs: Key Performance Indicators

    Disclaimer: Past performance may or may not be sustained in future and should not be used as a basis for comparison with other investments. Returns for periods above 1 year are annualised.


    Date Aditya Birla Sun Life Retirement Fund - The 40s Plan NAV Regular Growth Aditya Birla Sun Life Retirement Fund - The 40s Plan NAV Direct Growth
    04-12-2025 19.226 21.26
    03-12-2025 19.214 21.245
    02-12-2025 19.253 21.288
    01-12-2025 19.309 21.348
    28-11-2025 19.343 21.384
    27-11-2025 19.356 21.397
    26-11-2025 19.397 21.442
    25-11-2025 19.2 21.223
    24-11-2025 19.175 21.195
    21-11-2025 19.227 21.25
    20-11-2025 19.398 21.438
    19-11-2025 19.364 21.399
    18-11-2025 19.28 21.306
    17-11-2025 19.37 21.405
    14-11-2025 19.282 21.306
    13-11-2025 19.306 21.33
    12-11-2025 19.348 21.377
    11-11-2025 19.285 21.306
    10-11-2025 19.248 21.264
    07-11-2025 19.209 21.219
    06-11-2025 19.236 21.248
    04-11-2025 19.405 21.433

    Fund Launch Date: 19/Feb/2019
    Fund Category: Retirement Fund
    Investment Objective: The primary investment objective of the Scheme is income generation and capital appreciation for its investors which will be in line with theirretirement goals by investing in a mix of equity, equity related instruments along with debt and money market instruments. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes ™ objectives will be achieved.
    Fund Description: An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age(whichever is earlier)
    Fund Benchmark: CRISIL Hybrid 35+65 - Aggressive Index
    Source: Fund FactSheet

    Disclaimer: NO INVESTMENT ADVICE. The Content is for informational purposes only.