Aditya Birla Sun Life Retirement Fund - The 40s Plan Datagrid
Category Retirement Fund
BMSMONEY Rank 7
Rating
Growth Option 29-06-2026
NAV ₹19.02(R) -0.06% ₹21.19(D) -0.04%
Returns 1Y 3Y 5Y 7Y 10Y
Lumpsum Regular 0.06% 11.85% 8.66% 9.53% -%
Direct 1.42% 13.41% 10.2% 11.16% -%
Nifty 500 TRI -1.7% 13.56% 12.39% 14.29% 14.02%
SIP (XIRR) Regular 2.21% 6.87% 9.16% 9.86% -%
Direct 3.58% 8.37% 10.7% 11.45% -%
Ratio Sharpe Ratio Sortino Ratio Sterling Ratio Jensen's Alpha Treynor Ratio
0.48 0.22 0.54 0.37% -0.62
Risk STD. Dev VaR 1Y95% Max DD Beta Semi Devi.
11.16% -16.21% -11.13% 0.72 8.57%
Fund AUM As on: 30/12/2025 116 Cr
Top Retirement Fund
Fund Name Rank Rating
ICICI Prudential Retirement Fund - Pure Equity Plan 1
ICICI Prudential Retirement Fund - Hybrid Aggressive Plan 2
Union Retirement Fund 3
ICICI Prudential Retirement Fund - Hybrid Conservative Plan 4
UTI Retirement Fund 5
Aditya Birla Sun Life Retirement Fund - The 30s Plan 6

NAV Date: 29-06-2026

Scheme Name NAV Rupee Change Percent Change
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular - Payout of IDCW 15.48
-0.0100
-0.0600%
Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW 17.25
-0.0100
-0.0500%
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Regular Plan-Growth 19.02
-0.0100
-0.0600%
Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth 21.19
-0.0100
-0.0400%

Review Date: 29-06-2026

Beginning of Analysis

In the Retirement Fund category, Aditya Birla Sun Life Retirement Fund - The 40s Plan is the 9th ranked fund. 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 0.37% which is higher than the category average of 0.12%. Here the fund has shown very good performance in terms of risk adjusted returns. The fund has a Sharpe Ratio of 0.48 which is higher than the category average of 0.38.
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 1.83%, 9.15 and 0.17 in last one, three and six months respectively. In the same period the category average return was 2.17%, 9.32% and 0.72% respectively.
  • Aditya Birla Sun Life Retirement Fund - The 40s Plan has given a return of 1.42% in last one year. In the same period the Nifty 500 TRI return was -1.7%. The fund has given 3.12% more return than the benchmark return.
  • The fund has given a return of 13.41% in last three years and rank 8th out of twenty six funds in the category. In the same period the Nifty 500 TRI return was 13.56%. The fund has given 0.15% less return than the benchmark return.
  • Aditya Birla Sun Life Retirement Fund - The 40s Plan has given a return of 10.2% in last five years and category average returns is 10.59% in same period. The fund ranked 12th out of twenty five funds in the category. In the same period the Nifty 500 TRI return was 12.39%. The fund has given 2.19% less return than the benchmark return.
  • The fund has given a SIP return of 3.58% in last one year whereas category average SIP return is 4.86%. The fund one year return rank in the category is 18th in 29 funds
  • The fund has SIP return of 8.37% in last three years and ranks 7th in 26 funds. ICICI Prudential Retirement Fund - Pure Equity Plan has given the highest SIP return (15.88%) in the category in last three years.
  • The fund has SIP return of 10.7% in last five years whereas category average SIP return is 9.6%.

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

  • The fund has a standard deviation of 11.16 and semi deviation of 8.57. The category average standard deviation is 9.2 and semi deviation is 7.14.
  • The fund has a Value at Risk (VaR) of -16.21 and a maximum drawdown of -11.13. The category average VaR is -12.9 and the maximum drawdown is -10.32. 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 % 1.72 1.71
    2.08
    		0.92 | 3.96 17 | 29 Average
    3M Return % 8.80 12.40
    9.01
    		1.95 | 20.69 14 | 29 Good
    6M Return % -0.49 -2.42
    0.15
    		-5.98 | 7.20 16 | 29 Good
    1Y Return % 0.06 -1.70
    0.58
    		-6.08 | 9.69 17 | 29 Average
    3Y Return % 11.85 13.56
    10.70
    		4.99 | 22.28 8 | 26 Good
    5Y Return % 8.66 12.39
    9.31
    		4.11 | 20.84 12 | 25 Good
    7Y Return % 9.53 14.29
    10.00
    		4.22 | 18.36 10 | 18 Good
    1Y SIP Return % 2.21
    3.70
    		-5.16 | 18.41 19 | 29 Average
    3Y SIP Return % 6.87
    5.06
    		0.30 | 14.29 7 | 26 Very Good
    5Y SIP Return % 9.16
    8.35
    		3.35 | 18.36 9 | 25 Good
    7Y SIP Return % 9.86
    10.17
    		3.70 | 20.85 10 | 18 Good
    Standard Deviation 11.16
    9.20
    		1.27 | 15.52 14 | 26 Good
    Semi Deviation 8.57
    7.14
    		0.97 | 11.69 14 | 26 Good
    Max Drawdown % -11.13
    -10.32
    		-19.00 | -0.76 13 | 26 Good
    VaR 1 Y % -16.21
    -12.90
    		-25.74 | -0.37 14 | 26 Good
    Average Drawdown % -5.50
    -5.22
    		-11.62 | -0.38 15 | 26 Average
    Sharpe Ratio 0.48
    0.38
    		-0.70 | 1.01 8 | 26 Good
    Sterling Ratio 0.54
    0.51
    		0.32 | 0.84 5 | 26 Very Good
    Sortino Ratio 0.22
    0.17
    		-0.23 | 0.48 9 | 26 Good
    Jensen Alpha % 0.37
    0.12
    		-3.84 | 8.83 7 | 26 Very Good
    Treynor Ratio -0.62
    -1.55
    		-9.84 | -0.38 13 | 26 Good
    Modigliani Square Measure % 13.27
    11.87
    		-3.41 | 21.72 7 | 26 Very Good
    Alpha % -1.21
    -1.85
    		-5.47 | 8.91 8 | 26 Good
    Return data last Updated On : June 29, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    KPIs: Key Performance Indicators

    Rotate the phone! Best viewed in landscape mode on mobile.
    KPIs* Fund Nifty 500 TRI Cat. Avg Min | Max Rank (In Cat.) Performance
    1M Return % 1.83 1.71 2.17 1.04 | 4.09 16 | 29 Good
    3M Return % 9.15 12.40 9.32 2.19 | 21.12 14 | 29 Good
    6M Return % 0.17 -2.42 0.72 -5.51 | 7.92 16 | 29 Good
    1Y Return % 1.42 -1.70 1.72 -5.12 | 11.15 15 | 29 Good
    3Y Return % 13.41 13.56 11.95 6.17 | 23.96 8 | 26 Good
    5Y Return % 10.20 12.39 10.59 5.35 | 22.50 12 | 25 Good
    7Y Return % 11.16 14.29 11.37 5.53 | 20.12 9 | 18 Good
    1Y SIP Return % 3.58 4.86 -4.18 | 19.98 18 | 29 Average
    3Y SIP Return % 8.37 6.24 1.48 | 15.88 7 | 26 Very Good
    5Y SIP Return % 10.70 9.60 4.55 | 20.00 8 | 25 Good
    7Y SIP Return % 11.45 11.52 4.94 | 22.57 9 | 18 Good
    Standard Deviation 11.16 9.20 1.27 | 15.52 14 | 26 Good
    Semi Deviation 8.57 7.14 0.97 | 11.69 14 | 26 Good
    Max Drawdown % -11.13 -10.32 -19.00 | -0.76 13 | 26 Good
    VaR 1 Y % -16.21 -12.90 -25.74 | -0.37 14 | 26 Good
    Average Drawdown % -5.50 -5.22 -11.62 | -0.38 15 | 26 Average
    Sharpe Ratio 0.48 0.38 -0.70 | 1.01 8 | 26 Good
    Sterling Ratio 0.54 0.51 0.32 | 0.84 5 | 26 Very Good
    Sortino Ratio 0.22 0.17 -0.23 | 0.48 9 | 26 Good
    Jensen Alpha % 0.37 0.12 -3.84 | 8.83 7 | 26 Very Good
    Treynor Ratio -0.62 -1.55 -9.84 | -0.38 13 | 26 Good
    Modigliani Square Measure % 13.27 11.87 -3.41 | 21.72 7 | 26 Very Good
    Alpha % -1.21 -1.85 -5.47 | 8.91 8 | 26 Good
    Return data last Updated On : June 29, 2026.
    Other parameters, fund ranking, non return related analysis are updated after every month end. Last Updated On : March 30, 2026
    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
    29-06-2026 19.021 21.193
    25-06-2026 19.033 21.202
    24-06-2026 19.088 21.264
    23-06-2026 18.999 21.164
    22-06-2026 19.147 21.327
    19-06-2026 19.066 21.235
    18-06-2026 19.079 21.249
    17-06-2026 19.046 21.211
    16-06-2026 18.964 21.119
    15-06-2026 18.921 21.07
    12-06-2026 18.729 20.855
    11-06-2026 18.483 20.58
    10-06-2026 18.534 20.635
    09-06-2026 18.604 20.712
    08-06-2026 18.485 20.58
    05-06-2026 18.626 20.735
    04-06-2026 18.599 20.704
    03-06-2026 18.56 20.66
    02-06-2026 18.599 20.702
    01-06-2026 18.584 20.685
    29-05-2026 18.7 20.812

    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.