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)
February 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)
February 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. Harshil Suvarnkar Managing the Fund Since: March 22, 2021 Experience in Managing the Fund: 4.9 Years |
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| Fund Manager - Mr. Chanchal Khandelwal Managing the Fund Since: November 01, 2024 Experience in Managing the Fund: 1.3 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: 52 | |
| AUM as on February 27, 2026 (in ₹Crore) | |
| Month End AUM | 114.77 |
| Monthly Average AUM | 115.22 |
| Total Expense Ratio (TER) | |
| Regular | 2.39% |
| Direct | 1.02% |
| Including additional expenses and goods and service tax on management fees. | |
| NAV as on February 27, 2026 | |
| Regular Growth | 19.09 |
| Regular IDCW$ | 15.54 |
| Direct Growth | 21.17 |
| Direct IDCW$ | 17.23 |
| $Income Distribution cum capital withdrawal | |
| Top 10 Sectoral Contribution (in %) |
 |
| Market Capitalisation |
 |
| Volatility Measures | |
| Portfolio Turnover | 0.10 |
| Standard Deviation | 9.72% |
| Sharpe Ratio | 0.99 |
| Beta | 1.08 |
| Treynor Ratio | 0.09 |
| Information Ratio | 0.04 |
Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns. Risk Free Rate assumed to be 5.17% (FBIL Overnight MIBOR as on 27 February, 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 |
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Banks |
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21.18 % |
• ICICI Bank Limited |
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6.37 % |
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• HDFC Bank Limited |
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4.88 % |
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• State Bank of India |
|
3.00 % |
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• Axis Bank Limited |
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2.41 % |
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Kotak Mahindra Bank Limited |
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2.21 % |
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Bank of Maharashtra |
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1.47 % |
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Bank of Baroda |
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0.84 % |
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IT - Software |
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5.34 % |
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• Infosys Limited |
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3.69 % |
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Coforge Limited |
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1.28 % |
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Birlasoft Limited |
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0.37 % |
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Pharmaceuticals & Biotechnology |
5.34 % |
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• Sun Pharmaceutical Industries Limited |
2.52 % |
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Torrent Pharmaceuticals Limited |
1.51 % |
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SAI Life Sciences Ltd |
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1.30 % |
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Consumer Durables |
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4.86 % |
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Bluestone Jewellery And Lifestyle Ltd |
1.14 % |
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Titan Company Limited |
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1.09 % |
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Dixon Technologies (India) Limited |
1.03 % |
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Voltas Limited |
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0.95 % |
Whirlpool of India Limited |
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0.64 % |
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Insurance |
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4.29 % |
ICICI Lombard General Insurance Company Limited |
1.82 % |
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Max Financial Services Limited |
1.42 % |
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SBI Life Insurance Company Limited |
0.89 % |
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Medi Assist Healthcare Services Ltd |
0.16 % |
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Petroleum Products |
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3.19 % |
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• Reliance Industries Limited |
3.19 % |
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Cement & Cement Products |
3.13 % |
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• UltraTech Cement Limited |
3.13 % |
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Retailing |
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3.04 % |
Avenue Supermarts Limited |
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1.34 % |
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Eternal Limited |
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1.07 % |
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MEESHO LTD |
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0.63 % |
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Auto Components |
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2.80 % |
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SJS Enterprises Pvt Limited |
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1.23 % |
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CEAT Limited |
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0.92 % |
Sona BLW Precision Forgings Limited |
0.65 % |
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Healthcare Services |
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2.73 % |
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Apollo Hospitals Enterprise Limited |
1.50 % |
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Fortis Healthcare Limited |
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1.23 % |
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Construction |
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2.60 % |
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Larsen & Toubro Limited |
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2.24 % |
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H.G. Infra Engineering Limited |
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0.36 % |
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Finance |
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2.21 % |
SBFC Finance Ltd |
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1.02 % |
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Bajaj Finance Limited |
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0.94 % |
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Cholamandalam Investment and Finance Company Limited |
0.26 % |
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Non - Ferrous Metals |
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2.01 % |
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| Sector/Issuer Name | % of Total AUM |
% of Derivatives |
% of Net AUM |
Hindalco Industries Limited |
2.01 % |
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Diversified Metals |
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1.88 % |
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Vedanta Limited |
1.88 % |
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Power |
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1.70 % |
NTPC Limited |
1.70 % |
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Automobiles |
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1.67 % |
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Bajaj Auto Limited |
1.67 % |
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Electrical Equipment |
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1.53 % |
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TD Power Systems Limited |
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0.79 % |
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Thermax Limited |
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0.74 % |
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Telecom - Services |
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1.40 % |
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Bharti Hexacom Limited |
1.40 % |
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Oil |
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1.36 % |
Oil & Natural Gas Corporation Limited |
1.36 % |
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Realty |
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1.33 % |
Brigade Enterprises Limited |
1.33 % |
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Food Products |
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0.72 % |
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Mrs Bectors Food Specialities Limited |
0.72 % |
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Personal Products |
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0.69 % |
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Godrej Consumer Products Limited |
0.69 % |
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Leisure Services |
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0.69 % |
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Devyani International Limited |
0.69 % |
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Industrial Products |
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0.66 % |
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TIMKEN INDIA LTD |
0.66 % |
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Transport Infrastructure |
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0.66 % |
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Adani Ports and Special Economic Zone Limited |
0.66 % |
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Chemicals & Petrochemicals |
0.59 % |
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Vinati Organics Limited |
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0.59 % |
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Sector/Issuer Name |
Rating |
% to Net |
Debt & Debt Related |
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Government Bond |
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13.37 % |
• 7.18% GOVERNMENT ON INDIA 14AUG2033 GSEC |
SOV |
7.64 % |
• 7.34% INDIA GOVERNMENT BOND 22APR2064 |
SOV |
3.02 % |
7.17% GOVERNMENT OF INDIA 17APR30 |
SOV |
1.80 % |
7.26% GOVERNMENT OF INDIA 06FEB33 |
SOV |
0.90 % |
Fixed rates bonds - Corporate |
0.90 % |
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HDFC Bank Limited |
CRISIL AAA |
0.90 % |
Net Cash and Cash Equivalent |
8.10 % |
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Grand Total |
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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) |
|
| This product is suitable for investors who are seeking*: | |
|
|
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. | |