Aditya Birla Sun Life Retirement Fund The 40s Plan
Direct · Growth ₹21.43
06 Jul 2026
NAV
12.7%
3Y CAGR
13.2%
5Y CAGR
12.1%
Weighted CAGR
?
Weighted Mean CAGR
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
Gives more importance to longer time periods (10Y, 20Y) than shorter ones (1Y, 3Y). This balances out recent outperformance and gives a more realistic picture of what long-term returns might look like.
3.17
Sharpe
-27.3%
Max Drawdown
?
Max Drawdown
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
The largest peak-to-trough decline in the fund's NAV. Shows the worst-case loss an investor would have experienced at any point in the fund's history.
NA
TER
If you invested ₹1,00,000 every month via SIP, here's how this fund has historically performed across different time horizons.
| Duration | Invested | Median Value | XIRR | Min XIRR | Max XIRR |
|---|---|---|---|---|---|
| 1 Year | ₹12.00 L | ₹12.65 L | 12.9% | -40.0% | 52.4% |
| 3 Years | ₹36.00 L | ₹42.78 L | 12.5% | 3.9% | 23.2% |
| 5 Years | ₹60.00 L | ₹83.82 L | 13.7% | 8.2% | 18.5% |
| 7 Years | ₹84.00 L | ₹1.25 Cr | 11.5% | 9.7% | 12.9% |
SIP returns vs benchmark & category
Annualised SIP return (XIRR) over each rolling horizon — like-for-like, not lump-sum.
| Duration | Fund SIP XIRR | NIFTY 50 | Category avg | Fund edge |
|---|---|---|---|---|
| 1 Year | 12.9% | 14.5% | 11.7% | -1.5% |
| 3 Years | 12.5% | 11.2% | 12.7% | +1.4% |
| 5 Years | 13.7% | 10.4% | 12.4% | +3.3% |
| 7 Years | 11.5% | 10.6% | 12.6% | +0.9% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 12.7% | 10.8% | -20.7% | 58.8% | 0.53 | 1.42 | 88% | — | — |
| 3 Years | 12.7% | 12.8% | 6.7% | 18.9% | 2.65 | — | 100% | — | — |
| 5 Years | 13.2% | 13.4% | 8.9% | 19.2% | 3.17 | — | 100% | — | — |
-27.3%
Max Drawdown
1 mo
Drawdown Duration
5 mo
Recovery Time
-3.2%
Avg Drawdown
Calmar Ratio by Duration
0.46
1Y
0.47
3Y
0.48
5Y
0.40
7Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +4.39 | 0.76 | 78.7% | 70.9% | 2.0% | -5.2% |
| 3 Years | +4.77 | 0.74 | 75.5% | 67.0% | 11.3% | 6.5% |
| 5 Years | +1.96 | 0.71 | 70.5% | 65.6% | 9.9% | 8.5% |
| 7 Years | +2.35 | 0.65 | 67.2% | 62.8% | 11.9% | 11.3% |
| 10 Years | +0.57 | 0.64 | 66.2% | 62.3% | 7.8% | 7.7% |
| 12 Years | +0.07 | 0.64 | 66.2% | 62.3% | 6.5% | 6.4% |
| 15 Years | -0.42 | 0.64 | 66.2% | 62.3% | 5.2% | 5.0% |
56
Total Holdings
31.6%
Top 10 Weight
27
Sectors
| # | Stock | % of NAV |
|---|---|---|
| 1 | ICICI Bank Limited | 6.44% |
| 2 | HDFC Bank Limited | 4.45% |
| 3 | Reliance Industries Limited | 3.01% |
| 4 | Infosys Limited | 2.88% |
| 5 | UltraTech Cement Limited | 2.82% |
| 6 | Sun Pharmaceutical Industries Limited | 2.74% |
| 7 | State Bank of India | 2.60% |
| 8 | Axis Bank Limited | 2.38% |
| 9 | Larsen & Toubro Limited | 2.20% |
| 10 | Kotak Mahindra Bank Limited | 2.11% |