Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth
HybridRetirementVery High Risk
Regular
NAV (25-Jul-24)
₹17.640.04%1D
Returns (Since Inception)
11.13%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹110 Cr
Expense Ratio
2.38%
ISIN
INF209KB1I56
Minimum SIP
₹1,000
Exit Load
No Charges
Inception Date
12 Mar 2019
About this fund
Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth is a Retirement mutual fund schemes offered by Aditya Birla SL Mutual Fund. This fund has been in existence for 5 years, 4 months and 14 days, having been launched on 12-Mar-19.
As of 25-Jul-24, it has a Net Asset Value (NAV) of ₹17.64, Assets Under Management (AUM) of 110.50 Crores, and an expense ratio of 2.38%.
As of 25-Jul-24, it has a Net Asset Value (NAV) of ₹17.64, Assets Under Management (AUM) of 110.50 Crores, and an expense ratio of 2.38%.
- Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth has given a CAGR return of 11.13% since inception.
- The fund's asset allocation comprises around 73.31% in equities, 17.10% in debts, and 9.60% in cash & cash equivalents.
- You can start investing in Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth with a SIP of ₹1000 or a Lumpsum investment of ₹1000.
Performance against Category Average
In this section, we compare the returns of the scheme with the category average over various periods. Periods for which the fund has outperformed its category average are marked in green, otherwise red.
1 Year
+22.30%
— (Cat Avg.)
3 Years
+11.40%
— (Cat Avg.)
5 Years
+12.88%
— (Cat Avg.)
Since Inception
+11.13%
— (Cat Avg.)
Portfolio Summaryas of 30th June 2024
| Equity | ₹81 Cr | 73.31% |
| Debt | ₹18.89 Cr | 17.10% |
| Others | ₹10.6 Cr | 9.60% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹8.57 Cr | 7.76% |
| Clearing Corporation Of India Limited | Cash - Repurchase Agreement | ₹8.4 Cr | 7.60% |
| ICICI Bank Ltd | Equity | ₹7.35 Cr | 6.66% |
| HDFC Bank Ltd | Equity | ₹6.84 Cr | 6.19% |
| Infosys Ltd | Equity | ₹5.38 Cr | 4.87% |
| Reliance Industries Ltd | Equity | ₹4.82 Cr | 4.36% |
| Rural Electrification Corporation Limited | Bond - Corporate Bond | ₹3.98 Cr | 3.60% |
| UltraTech Cement Ltd | Equity | ₹3.96 Cr | 3.58% |
| Larsen & Toubro Ltd | Equity | ₹3.91 Cr | 3.54% |
| Brigade Enterprises Ltd | Equity | ₹3.24 Cr | 2.93% |
| Bharti Hexacom Ltd | Equity | ₹3.14 Cr | 2.84% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹2.54 Cr | 2.30% |
| State Bank of India | Equity | ₹2.43 Cr | 2.20% |
| Net Receivables / (Payables) | Cash | ₹2.2 Cr | 1.99% |
| 08.21 Tn SDL 2025 | Bond - Gov't/Treasury | ₹2.02 Cr | 1.83% |
| 7.17% Govt Stock 2030 | Bond - Gov't/Treasury | ₹2.01 Cr | 1.82% |
| NTPC Ltd | Equity | ₹1.93 Cr | 1.75% |
| Bajaj Auto Ltd | Equity | ₹1.83 Cr | 1.65% |
| TD Power Systems Ltd | Equity | ₹1.8 Cr | 1.63% |
| Strides Pharma Science Ltd | Equity | ₹1.78 Cr | 1.61% |
| Fortis Healthcare Ltd | Equity | ₹1.69 Cr | 1.53% |
| ITC Ltd | Equity | ₹1.61 Cr | 1.46% |
| CIE Automotive India Ltd | Equity | ₹1.48 Cr | 1.34% |
| Thermax Ltd | Equity | ₹1.46 Cr | 1.32% |
| Coforge Ltd | Equity | ₹1.36 Cr | 1.23% |
| Dixon Technologies (India) Ltd | Equity | ₹1.34 Cr | 1.21% |
| RHI Magnesita India Ltd | Equity | ₹1.21 Cr | 1.10% |
| Voltas Ltd | Equity | ₹1.18 Cr | 1.07% |
| Torrent Pharmaceuticals Ltd | Equity | ₹1.12 Cr | 1.01% |
| Utkarsh Small Finance Bank Ltd | Equity | ₹1.11 Cr | 1.00% |
| Tata Motors Ltd | Equity | ₹1.11 Cr | 1.00% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹1.02 Cr | 0.93% |
| 7.26% Govt Stock 2033 | Bond - Gov't/Treasury | ₹1.01 Cr | 0.92% |
| Titan Co Ltd | Equity | ₹0.99 Cr | 0.89% |
| Flair Writing Industries Ltd | Equity | ₹0.96 Cr | 0.87% |
| Timken India Ltd | Equity | ₹0.94 Cr | 0.85% |
| Sona BLW Precision Forgings Ltd | Equity | ₹0.9 Cr | 0.81% |
| Godrej Consumer Products Ltd | Equity | ₹0.89 Cr | 0.81% |
| Max Financial Services Ltd | Equity | ₹0.87 Cr | 0.79% |
| Vinati Organics Ltd | Equity | ₹0.87 Cr | 0.79% |
| SJS Enterprises Ltd | Equity | ₹0.86 Cr | 0.78% |
| Union Bank of India | Equity | ₹0.85 Cr | 0.77% |
| Oil & Natural Gas Corp Ltd | Equity | ₹0.85 Cr | 0.77% |
| SBFC Finance Ltd | Equity | ₹0.84 Cr | 0.76% |
| Bank of Baroda | Equity | ₹0.83 Cr | 0.75% |
| Westlife Foodworld Ltd | Equity | ₹0.79 Cr | 0.72% |
| Bajaj Finance Ltd | Equity | ₹0.77 Cr | 0.70% |
| Star Health and Allied Insurance Co Ltd | Equity | ₹0.73 Cr | 0.66% |
| La Opala RG Ltd | Equity | ₹0.69 Cr | 0.62% |
| Somany Ceramics Ltd | Equity | ₹0.53 Cr | 0.48% |
| Container Corporation of India Ltd | Equity | ₹0.51 Cr | 0.46% |
| Cipla Ltd | Equity | ₹0.36 Cr | 0.33% |
| 0% Goi - 16dec25 Strips | Bond - Gov't/Treasury | ₹0.27 Cr | 0.25% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹0.24 Cr | 0.22% |
| IndusInd Bank Ltd | Equity | ₹0.12 Cr | 0.11% |
| Sundaram - Clayton Limited | Preferred Stock | ₹0 Cr | 0.00% |
Allocation By Market Cap (Equity)
Large Cap Stocks
45.91%
Mid Cap Stocks
9.93%
Small Cap Stocks
14.62%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹22.98 Cr | 20.80% |
| Industrials | ₹12.5 Cr | 11.32% |
| Consumer Cyclical | ₹8.64 Cr | 7.82% |
| Technology | ₹8.07 Cr | 7.31% |
| Healthcare | ₹7.48 Cr | 6.77% |
| Energy | ₹5.67 Cr | 5.13% |
| Basic Materials | ₹4.83 Cr | 4.37% |
| Real Estate | ₹3.24 Cr | 2.93% |
| Communication Services | ₹3.14 Cr | 2.84% |
| Consumer Defensive | ₹2.51 Cr | 2.27% |
| Utilities | ₹1.93 Cr | 1.75% |
Risk & Performance Ratios
Standard Deviation
This fund
9.72%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.60
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Additional Scheme Detailsas of 30th June 2024
ISIN | INF209KB1I56 | Expense Ratio | 2.38% | Exit Load | No Charges | Fund Size | ₹110 Cr | Age | 12 Mar 2019 | Lumpsum Minimum | ₹1,000 | Fund Status | Open Ended Investment Company | Benchmark | CRISIL Hybrid 35+65 - Agg TR INR |
Investment Objective
To seek to generate long-term capital growth from an actively managed portfolio primarily of Equity and Equity Related Securities. Scheme shall invest in Indian equities,foreign equities and related instruments and debt securities.
Tax Treatment
Withdrawal within 1 year
Flat 15% tax on realised gains (STCG - short term capital gains)
Withdrawal after 1 year
10% tax on realised gains above Rs. 1 lakh per financial year (LTCG - long term capital gains)
Note: Mutual funds are subject to capital gains taxation with surcharge and cess, based on prevailing income tax rules and investor income. Taxation applies to realised gains, not notional gains. Please consult your tax advisors to determine the implications or consequences of your investments in such securities.
Similar Retirement Funds
| Fund name | Expense Ratio | Exit Load | Fund size | 1Y  |
|---|---|---|---|---|
| Tata Retirement Savings Moderate Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2107.27 Cr | 31.1% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹174.60 Cr | 14.1% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2002.53 Cr | 37.2% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹894.08 Cr | 31.7% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹74.96 Cr | 19.4% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹894.08 Cr | 33.5% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹366.98 Cr | 33.9% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.0% | 0.0% | ₹366.98 Cr | 35.8% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹74.96 Cr | 17.8% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹519.24 Cr | 18.9% |
About the AMC
Total AUM
₹3,61,512 Cr
Address
One World Centre, Tower 1, 17th Floor, Mumbai, 400 013
Other Funds by Aditya Birla SL Mutual Fund
Risk Level
Your principal amount will be at Very High Risk
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What is the current NAV of Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth?
The NAV of Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth, as of 25-Jul-2024, is ₹17.64.
What are the returns of Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth?
The fund has generated 22.30% over the last 1 year and 11.40% over the last 3 years. However, this does not guarantee that the fund will perform similarly in the future.
What is the portfolio composition of Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth?
The fund's allocation of assets is distributed as 73.31% in equities, 17.10% in bonds, and 9.60% in cash and cash equivalents.
Who manages the Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth?
The fund managers responsible for Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular Growth are:-
- Dhaval Shah
- Harshil Suvarnkar
- Dhaval Joshi
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully. The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates. The past performance of the mutual funds is not necessarily indicative of the future performance of the schemes. Investors are requested to review the prospectus carefully and obtain expert professional advice with regard to specific legal, tax and financial implications of the investment/participation in the scheme.
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Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.
Dezerv Investments Private Limited is a Portfolio Manager with SEBI Registration no. INP000007377 and an Investment Manager to Category - I AIF-VCF-Angel Fund with SEBI Registration no. IN/AIF1/22-23/1066.
Mutual Fund distribution services are offered through Dezerv Distribution Services Pvt Limited, a wholly owned subsidiary with AMFI Registration No.: ARN -248439. **Mutual fund investments are subject to market risks, read all scheme related documents carefully.** Terms and conditions of the website are applicable. Privacy policy of the website is applicable.