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)
May 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)
May 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 12, 2026 Experience in Managing the Fund: 0.1 Years |
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| Fund Manager - Mr. Harshil Suvarnkar Managing the Fund Since: March 22, 2021 Experience in Managing the Fund: 5.2 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: 56 | |
| AUM as on May 31, 2026 (in ₹Crore) | |
| Month End AUM | 111.98 |
| Monthly Average AUM | 112.43 |
| 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 May 29, 2026 | |
| Regular Growth | 18.70 |
| Regular IDCW$ | 15.22 |
| Direct Growth | 20.81 |
| Direct IDCW$ | 16.94 |
| $Income Distribution cum capital withdrawal | |
| Top 10 Sectoral Contribution (in %) |
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| Market Capitalisation |
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| Volatility Measures | |
| Portfolio Turnover | 0.15 |
| Standard Deviation | 11.72% |
| Sharpe Ratio | 0.59 |
| Beta | 1.10 |
| Treynor Ratio | 0.07 |
Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns. Risk FreeRate assumed tobe 5.52%(FBIL OvernightMIBOR as on 29 May, 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 | 19.32% | ||
| ICICI Bank Limited | 5.95% | ||
| HDFC Bank Limited | 4.20% | ||
| State Bank of India | 2.47% | ||
| Axis Bank Limited | 2.30% | ||
| Kotak Mahindra Bank Limited | 2.09% | ||
| Bank of Maharashtra | 1.60% | ||
| Bank of Baroda | 0.72% | ||
| Government Bond | 12.17% | ||
| 6.48% GOI 06Oct2035 | SOV | 6.46% | |
| 7.34% INDIA GOVERNMENT BOND 22APR2064 | SOV | 2.99% | |
| 7.17% GOVERNMENT OF INDIA 17APR30 | SOV | 1.81% | |
| 7.26% GOVERNMENT OF INDIA 06FEB33 | SOV | 0.90% | |
| Pharmaceuticals & Biotechnology | 5.81% | ||
| Sun Pharmaceutical Industries Limited | 2.68% | ||
| Torrent Pharmaceuticals Limited | 1.58% | ||
| SAI Life Sciences Ltd | 1.55% | ||
| IT - Software | 5.26% | ||
| Infosys Limited | 3.37% | ||
| Coforge Limited | 1.58% | ||
| Birlasoft Limited | 0.31% | ||
| Consumer Durables | 4.86% | ||
| Bluestone Jewellery And Lifestyle Ltd | 1.28% | ||
| Dixon Technologies (India) Limited | 1.15% | ||
| Titan Company Limited | 1.06% | ||
| Voltas Limited | 0.78% | ||
| Whirlpool of India Limited | 0.59% | ||
| Insurance | 4.09% | ||
| ICICI Lombard General Insurance Company Limited | 1.76% | ||
| Max Financial Services Limited | 1.35% | ||
| SBI Life Insurance Company Limited | 0.82% | ||
| Medi Assist Healthcare Services Ltd | 0.16% | ||
| Non - Ferrous Metals | 3.50% | ||
| Hindalco Industries Limited | 2.52% | ||
| Vedanta Aluminium Metal Ltd | 0.99% | ||
| Retailing | 3.31% | ||
| Avenue Supermarts Limited | 1.45% | ||
| Eternal Limited | 1.12% | ||
| MEESHO LTD | 0.74% |
| Sector/Issuer Name | % of Total AUM |
% of Derivatives |
% of Net AUM |
| Auto Components | 3.13% | ||
| SJS Enterprises Pvt Limited | 1.50% | ||
| CEAT Limited | 0.87% | ||
| Sona BLW Precision Forgings Limited | 0.76% | ||
| Petroleum Products | 3.10% | ||
| Reliance Industries Limited | 3.10% | ||
| Cement & Cement Products | 2.91% | ||
| UltraTech Cement Limited | 2.91% | ||
| Healthcare Services | 2.85% | ||
| Apollo Hospitals Enterprise Limited | 1.61% | ||
| Fortis Healthcare Limited | 1.24% | ||
| Construction | 2.58% | ||
| Larsen & Toubro Limited | 2.18% | ||
| H.G. Infra Engineering Limited | 0.40% | ||
| Electrical Equipment | 2.39% | ||
| Thermax Limited | 1.22% | ||
| TD Power Systems Limited | 1.18% | ||
| Finance | 2.17% | ||
| SBFC Finance Ltd | 1.06% | ||
| Bajaj Finance Limited | 0.88% | ||
| Cholamandalam Investment and Finance Company Limited | 0.23% | ||
| Power | 1.86% | ||
| NTPC Limited | 1.76% | ||
| Talwandi Sabo Power Ltd | 0.10% | ||
| Automobiles | 1.80% | ||
| Bajaj Auto Limited | 1.80% | ||
| Oil | 1.49% | ||
| Oil & Natural Gas Corporation Limited | 1.33% | ||
| Malco Energy Ltd | 0.16% | ||
| Telecom - Services | 1.34% | ||
| Bharti Hexacom Limited | 1.34% | ||
| Realty | 1.28% | ||
| Brigade Enterprises Limited | 1.28% | ||
| Diversified Metals | 0.94% | ||
| Vedanta Limited | 0.94% | ||
| Fixed rates bonds - Corporate | 0.91% | ||
| HDFC Bank Limited SOV | CRISIL AAA | 0.91% | |
| Transport Infrastructure | 0.81% | ||
| Adani Ports and Special Economic Zone Limited | 0.81% | ||
| Industrial Products | 0.71% | ||
| TIMKEN INDIA LTD | 0.71% | ||
| Leisure Services | 0.64% | ||
| Devyani International Limited | 0.64% | ||
| Food Products | 0.60% | ||
| Mrs Bectors Food Specialities Limited | 0.60% | ||
| Personal Products | 0.60% | ||
| Godrej Consumer Products Limited | 0.60% | ||
| Chemicals & Petrochemicals | 0.53% | ||
| Vinati Organics Limited | 0.53% | ||
| Ferrous Metals | 0.05% | ||
| Vedanta Iron and Steel Ltd | 0.05% | ||
| Cash & Current Assets | 8.99% | ||
| Grand Total | 100.00% |
Miscellaneous includes securities with exposure of less than 0.01%
| 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. | |