Aditya Birla Sun Life Retirement Fund - The 40s Plan
An open-ended retirement solution oriented scheme having a lock-in of 5 years or till
retirement age (whichever is earlier)
July 2026
| Equity Scheme |  |
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An open-ended retirement solution oriented scheme having a lock-in of 5 years or till
retirement age (whichever is earlier)
July 2026
| Equity Scheme | |
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| Investment Objective | |
| The primary investment objective of the Scheme isincome generation and capital appreciation for its investors which will be in line with their retirement 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 theschemes’ objectives will be achieved. | |
| Fund Category: Retirement Fund | |
| Fund Snapshot | |
| Date of Allotment : Mar 11, 2019 | |
| Benchmark: CRISIL Hybrid 35+65 - Aggressive Index | |
| Fund Manager - Mr. Mohit Sharma Managing the Fund Since: May 13, 2026 Experience in Managing the Fund: 0.2 Years |
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| Fund Manager - Mr. Harshil Suvarnkar Managing the Fund Since: March 22, 2021 Experience in Managing the Fund: 5.4 Years |
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| SIP: Monthly: Minimum ₹ 500/- and in multiples of ₹ 1 thereafter |
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| Application Amount for fresh subscription: ₹ 1,000 (plus in multiplies of ₹ 1) |
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| Minimum Additional Investment: ₹ 1000 (plus in multiplies of ₹ 1) |
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| Load Structure (as % of NAV) (Incl. for SIP) | |
| Entry Load: | NIL |
| Exit Load: | Upon completion of lock-in period of minimum 5 years from the date of allotment of units or Retirement Age of Unit holder (i.e. completion of 60 years, whichever is earlier): Nil |
| Count of Securities: 57 | |
| AUM as on July 31, 2026 (in ₹Crore) | |
| Month End AUM | 115.52 |
| Monthly Average AUM | 114.23 |
| Base Expense Ratio (BER) | |
| Regular | 2.09% |
| Direct | 0.95% |
| BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors. | |
| NAV as on July 31, 2026 | |
| Regular Growth | 19.42 |
| Regular IDCW$ | 15.80 |
| Direct Growth | 21.66 |
| Direct IDCW$ | 17.63 |
| $Income Distribution cum capital withdrawal | |
| Top 10 Sectoral Contribution (in %) |
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| Market Capitalisation |
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| Volatility Measures | |
| Portfolio Turnover | 0.10 |
| Standard Deviation | 11.24% |
| Sharpe Ratio | 0.42 |
| Beta | 1.07 |
| Treynor Ratio | 0.05 |
Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns. Risk FreeRate assumed tobe 5.41%(FBIL OvernightMIBOR as on 31 July, 2026) for calculating SharpeRatio |
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| Rating Profile of Portfolio |  |
| Sector/Issuer Name | % of Total AUM |
% of Derivatives |
% of Net AUM |
| Equity & Equity Related | |||
| Banks | 19.59% | ||
| ● ICICI Bank Ltd. | 6.59% | ||
| ● HDFC Bank Ltd. | 4.09% | ||
| ● State Bank of India | 2.55% | ||
| ● Axis Bank Ltd. | 2.13% | ||
| Kotak Mahindra Bank Ltd. | 2.06% | ||
| Bank of Maharashtra | 1.55% | ||
| Bank of Baroda | 0.63% | ||
| Pharmaceuticals & Biotechnology | 6.35% | ||
| ● Sun Pharmaceutical Industries Ltd. | 2.87% | ||
| Torrent Pharmaceuticals Ltd. | 1.77% | ||
| Sai Life Sciences Ltd. | 1.71% | ||
| Consumer Durables | 6.07% | ||
| BlueStone Jewellery and Lifestyle Ltd. | 2.12% | ||
| Dixon Technologies (India) Ltd. | 1.36% | ||
| Titan Company Ltd. | 1.23% | ||
| Voltas Ltd. | 0.81% | ||
| Whirlpool of India Ltd. | 0.56% | ||
| IT - Software | 5.32% | ||
| ● Infosys Ltd. | 3.18% | ||
| Coforge Ltd. | 1.85% | ||
| Birlasoft Ltd. | 0.29% | ||
| Insurance | 3.68% | ||
| ICICI Lombard General Insurance Company Ltd. | 1.55% | ||
| Max Financial Services Ltd. | 1.17% | ||
| SBI Life Insurance Company Ltd. | 0.81% | ||
| Medi Assist Healthcare Services Ltd. | 0.15% | ||
| Auto Components | 3.48% | ||
| S.J.S. Enterprises Ltd. | 1.66% | ||
| Sona BLW Precision Forgings Ltd. | 0.93% | ||
| Ceat Ltd. | 0.89% | ||
| Retailing | 3.38% | ||
| Avenue Supermarts Ltd. | 1.36% | ||
| Eternal Ltd. | 1.31% | ||
| Meesho Ltd. | 0.71% | ||
| Non - Ferrous Metals | 3.29% | ||
| Hindalco Industries Ltd. | 2.11% | ||
| Vedanta Aluminium Metal Ltd. | 1.18% | ||
| Petroleum Products | 2.98% | ||
| ● Reliance Industries Ltd. | 2.98% | ||
| Healthcare Services | 2.93% | ||
| Apollo Hospitals Enterprise Ltd. | 1.71% | ||
| Fortis Healthcare Ltd. | 1.23% | ||
| Cement & Cement Products | 2.92% | ||
| ● UltraTech Cement Ltd. | 2.92% | ||
| Construction | 2.40% | ||
| Larsen & Toubro Ltd. | 2.05% | ||
| H.G. Infra Engineering Ltd. | 0.36% |
| Sector/Issuer Name | % of Total AUM |
% of Derivatives |
% of Net AUM |
| Finance | 2.32% | ||
| Bajaj Finance Ltd. | 1.07% | ||
| SBFC Finance Ltd. | 0.98% | ||
| Cholamandalam Investment and Finance Company Ltd. | 0.27% | ||
| Electrical Equipment | 2.00% | ||
| Thermax Ltd. | 1.02% | ||
| TD Power Systems Ltd. | 0.98% | ||
| Automobiles | 1.64% | ||
| Bajaj Auto Ltd. | 1.64% | ||
| Power | 1.62% | ||
| NTPC Ltd. | 1.53% | ||
| Vedanta Power Ltd. | 0.09% | ||
| Realty | 1.48% | ||
| Brigade Enterprises Ltd. | 1.48% | ||
| Telecom - Services | 1.39% | ||
| Bharti Hexacom Ltd. | 1.39% | ||
| Oil | 1.27% | ||
| Oil & Natural Gas Corporation Ltd. | 1.18% | ||
| Vedanta Oil and Gas Ltd. | 0.09% | ||
| Transport Infrastructure | 0.73% | ||
| Adani Ports and Special Economic Zone Ltd. | 0.73% | ||
| Food Products | 0.70% | ||
| Mrs. Bectors Food Specialities Ltd. | 0.70% | ||
| Diversified Metals | 0.69% | ||
| Vedanta Ltd. | 0.69% | ||
| Leisure Services | 0.61% | ||
| Devyani International Ltd. | 0.61% | ||
| Personal Products | 0.60% | ||
| Godrej Consumer Products Ltd. | 0.60% | ||
| Industrial Products | 0.60% | ||
| Timken India Ltd. | 0.60% | ||
| Chemicals & Petrochemicals | 0.52% | ||
| Vinati Organics Ltd. | 0.52% | ||
| Capital Markets | 0.09% | ||
| SBI Funds Management Ltd. | 0.09% | ||
| Ferrous Metals | 0.08% | ||
| Vedanta Iron and Steel Ltd. | 0.08% | ||
| Sector/Issuer Name | Rating | % to Net Assets | |
| Debt & Debt Related | |||
| Government Bond | 11.95% | ||
| ● Government of India 6.48% 06.10.2035 GOV | SOV | 6.34% | |
| ● Government Of India 7.34% 22.04.2064 GOV | SOV | 2.94% | |
| Government Of India 7.17% 17.04.2030 GOV | SOV | 1.78% | |
| Government Of India 7.26% 06.02.2033 GOV | SOV | 0.89% | |
| Fixed rates bonds - Corporate | 0.89% | ||
| HDFC Bank Ltd. | CRISIL AAA | 0.89% | |
| Net Cash and Cash Equivalent | 8.42% | ||
| Grand Total | 100.00% |
Miscellaneous includes securities with exposure of less than 0.01%
| Product Label | |
| Scheme Name | |
| Aditya Birla Sun Life Retirement
Fund - The 40s Plan An open-ended retirement solution oriented scheme having a lock-in of 5 years or till retirement age (whichever is earlier) |
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| This product is suitable for investors who are seeking*: | |
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Risk-o-meter  |
Benchmark Risk-o-meter CRISIL Hybrid 35+65 - Aggressive Index  |
| *Investors should consult their financial advisors if in doubt whether the product is suitable for them. | |