Aditya Birla Sun Life Retirement Fund The 40s Plan
Direct · Growth ₹20.75
30 Oct 2026
NAV
12.7%
3Y CAGR
12.8%
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.
2.70
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.
1.12%
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 | ₹12.62 L | 12.5% | -40.0% | 52.4% |
| 3 Years | ₹36.00 L | ₹42.54 L | 12.2% | 2.5% | 23.2% |
| 5 Years | ₹60.00 L | ₹83.30 L | 13.4% | 7.8% | 18.5% |
| 7 Years | ₹84.00 L | ₹1.25 Cr | 11.3% | 9.3% | 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 | 12.5% | 14.3% | 6.8% | -1.7% |
| 3 Years | 12.2% | 11.0% | 12.9% | +1.2% |
| 5 Years | 13.4% | 10.4% | 13.3% | +3.0% |
| 7 Years | 11.3% | 10.6% | 15.2% | +0.7% |
| Duration | Mean | Median | Min | Max | Sharpe | Sortino | % Positive | Cat. Mean | Cat. Median |
|---|---|---|---|---|---|---|---|---|---|
| 1 Year | 12.2% | 10.3% | -20.7% | 58.8% | 0.49 | 1.31 | 88% | — | — |
| 3 Years | 12.7% | 12.8% | 6.7% | 18.9% | 2.65 | — | 100% | — | — |
| 5 Years | 12.8% | 12.9% | 7.8% | 19.2% | 2.70 | — | 100% | — | — |
-27.3%
Max Drawdown
1 mo
Drawdown Duration
5 mo
Recovery Time
-3.2%
Avg Drawdown
Calmar Ratio by Duration
0.45
1Y
0.46
3Y
0.47
5Y
0.41
7Y
Compared against NIFTY 50
| Duration | Alpha | Beta | Upside Capture | Downside Capture | Fund CAGR | Bench CAGR |
|---|---|---|---|---|---|---|
| 1 Year | +2.70 | 0.74 | 74.3% | 68.6% | -3.6% | -10.9% |
| 3 Years | +4.35 | 0.74 | 75.0% | 67.4% | 10.8% | 6.4% |
| 5 Years | +2.77 | 0.71 | 71.6% | 65.9% | 8.3% | 5.2% |
| 7 Years | +1.71 | 0.65 | 67.1% | 63.3% | 10.5% | 10.0% |
| 10 Years | +0.51 | 0.64 | 66.2% | 62.5% | 7.6% | 7.3% |
| 12 Years | +0.02 | 0.64 | 66.2% | 62.5% | 6.3% | 6.1% |
| 15 Years | -0.45 | 0.64 | 66.2% | 62.5% | 5.0% | 4.8% |
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 | Hindalco Industries Limited | 2.11% |