Sharpe ratio
0.40Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.51%1Y Absolute Return
-0.38%1D
Loading NAV history…
Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-GrowthFund 5Y annualised return | ₹9,15,380 | ₹7,32,612 | ₹1,82,768 | +9.14% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.11
₹1 Lakh since launch₹1.11 Lakh
Fund age7.7 yrs
Fund information
Scheme code146930
ISININF209KB1I80
BenchmarkCRISIL Hybrid 35+65 Aggressive Index
CategorySolution Oriented Scheme - Retirement Fund
Expense ratio1.12%
Exit loadNil
Minimum SIP₹500 SIP
Return comparison
30th / 106 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +115.71% | — | — |
| 3M | +2.51% | — | — |
| 6M | +13.71% | — | — |
| 1Y | +3.51% | — | +1.16% |
| 3Y | +12.29% | — | +8.74% |
| 5Y | +9.14% | — | +7.27% |
| Since Launch | +10.86% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.54Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
10.99%How much the fund’s returns fluctuate over time.
Moderate volatility
Returns can move up and down noticeably.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.40How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity78.15%
Debt13.19%
Cash8.66%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 63 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Reverse Repo | Unspecified | Reverse Repo | 7.7184% |
| GOVERNMENT OF INDIA 36574 GOI 06OT35 6.48 FV RS 100 | Entities | GOI Securities | 6.4984% |
| ICICI Bank Ltd | Financial | Equity | 6.4366% |
| HDFC Bank Ltd | Financial | Equity | 4.4478% |
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 3.0536% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 3.0057% |
| Infosys Ltd | Technology | Equity | 2.8755% |
| Ultratech Cement Ltd | Materials | Equity | 2.8163% |
| Sun Pharmaceutical Industries Ltd | Healthcare | Equity | 2.7429% |
| State Bank of India | Financial | Equity | 2.5984% |
Fund management
HA
Harshil Suvarnkar
Since 2021 · Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,
Mr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law.
MO
Mohit Sharma
Since 2026 · Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).
Mr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta).
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk solution oriented scheme - retirement fund. Ahead of its category average over 3Y by 3.6 points. Ranks 30 of 106 in its category over 1 year.
Strengths
- Ahead of its category average over 3Y by 3.6 points.
- Recovered from its worst fall in 5 months.
- Same fund manager for 6+ years — the strategy has not chopped and changed.
Weaknesses
- None
Ideal investor
- Needs a 3+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 11.0% volatility.
Risk drivers
- None