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Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth
HybridRetirementVery High Risk
Direct
NAV (20-Dec-24)
₹19.99-1.46%1D
Returns (Since Inception)
12.73%
Rated ★4.5+ on 
Fund Overview
Fund Size
₹113 Cr
Expense Ratio
1.01%
ISIN
INF209KB1I80
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 Direct Growth is a Retirement mutual fund schemes offered by Aditya Birla SL Mutual Fund. This fund has been in existence for 5 years, 9 months and 10 days, having been launched on 12-Mar-19.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹19.99, Assets Under Management (AUM) of 112.97 Crores, and an expense ratio of 1.01%.
As of 20-Dec-24, it has a Net Asset Value (NAV) of ₹19.99, Assets Under Management (AUM) of 112.97 Crores, and an expense ratio of 1.01%.
- Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth has given a CAGR return of 12.73% since inception.
- The fund's asset allocation comprises around 74.36% in equities, 16.58% in debts, and 9.06% in cash & cash equivalents.
- You can start investing in Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct 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
+21.09%
— (Cat Avg.)
3 Years
+14.51%
— (Cat Avg.)
5 Years
+13.61%
— (Cat Avg.)
Since Inception
+12.73%
— (Cat Avg.)
Portfolio Summaryas of 30th November 2024
| Equity | ₹84 Cr | 74.36% |
| Debt | ₹18.73 Cr | 16.58% |
| Others | ₹10.23 Cr | 9.06% |
Top Holdings
All Holdings
Equity
Debt & Others
| Name | Type  | Amount | Holdings |
|---|---|---|---|
| Clearing Corporation Of India Limited | Cash - Repurchase Agreement | ₹9.12 Cr | 8.07% |
| 7.18% Govt Stock 2033 | Bond - Gov't/Treasury | ₹8.7 Cr | 7.70% |
| ICICI Bank Ltd | Equity | ₹7.97 Cr | 7.06% |
| Infosys Ltd | Equity | ₹6.38 Cr | 5.65% |
| HDFC Bank Ltd | Equity | ₹5.86 Cr | 5.19% |
| Larsen & Toubro Ltd | Equity | ₹4.11 Cr | 3.63% |
| UltraTech Cement Ltd | Equity | ₹3.8 Cr | 3.36% |
| 7.34% Govt Stock 2064 | Bond - Gov't/Treasury | ₹3.64 Cr | 3.22% |
| Reliance Industries Ltd | Equity | ₹3.4 Cr | 3.01% |
| Bharti Hexacom Ltd | Equity | ₹3.09 Cr | 2.74% |
| Brigade Enterprises Ltd | Equity | ₹2.98 Cr | 2.64% |
| Sun Pharmaceuticals Industries Ltd | Equity | ₹2.97 Cr | 2.63% |
| State Bank of India | Equity | ₹2.4 Cr | 2.13% |
| Fortis Healthcare Ltd | Equity | ₹2.35 Cr | 2.08% |
| TD Power Systems Ltd | Equity | ₹2.21 Cr | 1.96% |
| Coforge Ltd | Equity | ₹2.16 Cr | 1.91% |
| Kotak Mahindra Bank Ltd | Equity | ₹2.15 Cr | 1.91% |
| 7.17% Govt Stock 2030 | Bond - Gov't/Treasury | ₹2.04 Cr | 1.80% |
| 08.21 Tn SDL 2025 | Bond - Gov't/Treasury | ₹2.02 Cr | 1.78% |
| NTPC Ltd | Equity | ₹1.85 Cr | 1.64% |
| Dixon Technologies (India) Ltd | Equity | ₹1.77 Cr | 1.57% |
| Bajaj Auto Ltd | Equity | ₹1.74 Cr | 1.54% |
| Avenue Supermarts Ltd | Equity | ₹1.48 Cr | 1.31% |
| Whirlpool of India Ltd | Equity | ₹1.48 Cr | 1.31% |
| Oil & Natural Gas Corp Ltd | Equity | ₹1.44 Cr | 1.27% |
| SJS Enterprises Ltd | Equity | ₹1.37 Cr | 1.22% |
| Torrent Pharmaceuticals Ltd | Equity | ₹1.33 Cr | 1.18% |
| Voltas Ltd | Equity | ₹1.33 Cr | 1.17% |
| Mrs Bectors Food Specialities Ltd Ordinary Shares | Equity | ₹1.29 Cr | 1.14% |
| Bank of Maharashtra | Equity | ₹1.29 Cr | 1.14% |
| Thermax Ltd | Equity | ₹1.25 Cr | 1.11% |
| CIE Automotive India Ltd | Equity | ₹1.24 Cr | 1.10% |
| Net Receivables / (Payables) | Cash | ₹1.11 Cr | 0.98% |
| SBFC Finance Ltd | Equity | ₹1.09 Cr | 0.97% |
| Flair Writing Industries Ltd | Equity | ₹1.07 Cr | 0.94% |
| HDFC Bank Limited | Bond - Corporate Bond | ₹1.03 Cr | 0.92% |
| 7.26% Govt Stock 2033 | Bond - Gov't/Treasury | ₹1.03 Cr | 0.91% |
| Max Financial Services Ltd | Equity | ₹1.02 Cr | 0.90% |
| H.G. Infra Engineering Ltd Ordinary Shares | Equity | ₹1.02 Cr | 0.90% |
| Titan Co Ltd | Equity | ₹0.94 Cr | 0.83% |
| Sona BLW Precision Forgings Ltd | Equity | ₹0.94 Cr | 0.83% |
| Vinati Organics Ltd | Equity | ₹0.86 Cr | 0.76% |
| Godrej Consumer Products Ltd | Equity | ₹0.81 Cr | 0.72% |
| Timken India Ltd | Equity | ₹0.74 Cr | 0.66% |
| Bank of Baroda | Equity | ₹0.74 Cr | 0.65% |
| Westlife Foodworld Ltd | Equity | ₹0.71 Cr | 0.63% |
| Bajaj Finance Ltd | Equity | ₹0.71 Cr | 0.63% |
| Birlasoft Ltd | Equity | ₹0.65 Cr | 0.57% |
| Star Health and Allied Insurance Co Ltd | Equity | ₹0.61 Cr | 0.54% |
| Container Corporation of India Ltd | Equity | ₹0.4 Cr | 0.36% |
| Medi Assist Healthcare Services Ltd | Equity | ₹0.4 Cr | 0.35% |
| Cipla Ltd | Equity | ₹0.38 Cr | 0.33% |
| 0% Goi - 16dec25 Strips | Bond - Gov't/Treasury | ₹0.28 Cr | 0.25% |
| Cholamandalam Investment and Finance Co Ltd | Equity | ₹0.21 Cr | 0.19% |
Allocation By Market Cap (Equity)
Large Cap Stocks
44.86%
Mid Cap Stocks
14.35%
Small Cap Stocks
15.16%
Allocation By Credit Quality (Debt)
AAA
Other Allocation
Equity Sector
Debt & Others
| Sector | Amount | Holdings |
|---|---|---|
| Financial Services | ₹24.06 Cr | 21.30% |
| Industrials | ₹12.13 Cr | 10.74% |
| Technology | ₹10.95 Cr | 9.69% |
| Consumer Cyclical | ₹8.43 Cr | 7.46% |
| Healthcare | ₹7.42 Cr | 6.57% |
| Energy | ₹4.84 Cr | 4.28% |
| Basic Materials | ₹4.66 Cr | 4.12% |
| Consumer Defensive | ₹3.58 Cr | 3.17% |
| Communication Services | ₹3.09 Cr | 2.74% |
| Real Estate | ₹2.98 Cr | 2.64% |
| Utilities | ₹1.85 Cr | 1.64% |
Risk & Performance Ratios
Standard Deviation
This fund
10.12%
Cat. avg.
--
Lower the better
Sharpe Ratio
This fund
0.67
Cat. avg.
--
Higher the better
Sortino Ratio
This fund
--
Cat. avg.
--
Higher the better
Fund Managers
Chanchal Khandelwal
Since October 2024
HS
Harshil Suvarnkar
Since March 2021
Dhaval Joshi
Since November 2022
Additional Scheme Detailsas of 30th November 2024
ISIN INF209KB1I80 | Expense Ratio 1.01% | Exit Load No Charges | Fund Size ₹113 Cr | Age 5 years 9 months | 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
Capital Gains Taxation:
Dividend Taxation:
Note: As per the Income Tax Budget 2024, mutual funds are subject to capital gains taxation, which includes surcharge and cess based on prevailing income tax rules and the investor’s income. Taxation applies only 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% | ₹2176.80 Cr | 22.7% |
| Tata Retirement Savings Conservative Fund Regular Growth Moderately High risk | 2.2% | 1.0% | ₹176.48 Cr | 11.1% |
| Tata Retirement Savings Progressive Fund Regular Growth Very High Risk | 2.0% | 1.0% | ₹2108.21 Cr | 25.8% |
| Axis Retirement Savings Fund - Aggressive Plan Regular Growth Very High Risk | 2.2% | 0.0% | ₹921.99 Cr | 22.2% |
| Axis Retirement Savings Fund - Conservative Plan Direct Growth High Risk | 0.7% | 0.0% | ₹74.56 Cr | 14.7% |
| Axis Retirement Savings Fund - Aggressive Plan Direct Growth Very High Risk | 0.9% | 0.0% | ₹921.99 Cr | 23.8% |
| Axis Retirement Savings Fund - Dynamic Plan Regular Growth Very High Risk | 2.4% | 0.0% | ₹387.54 Cr | 27.3% |
| Axis Retirement Savings Fund - Dynamic Plan Direct Growth Very High Risk | 1.1% | 0.0% | ₹387.54 Cr | 29.0% |
| Axis Retirement Savings Fund - Conservative Plan Regular Growth High Risk | 2.1% | 0.0% | ₹74.56 Cr | 13.2% |
| Franklin India Pension Plan Regular Growth Moderately High risk | 2.3% | 3.0% | ₹524.09 Cr | 13.7% |
About the AMC
Aditya Birla SL Mutual Fund
Total AUM
₹3,81,402 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 Direct Growth?
The NAV of Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth, as of 20-Dec-2024, is ₹19.99.
What are the returns of Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth?
The fund has generated 21.09% over the last 1 year and 14.51% 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 Direct Growth?
The fund's allocation of assets is distributed as 74.36% in equities, 16.58% in bonds, and 9.06% in cash and cash equivalents.
Who manages the Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth?
The fund managers responsible for Aditya Birla Sun Life Retirement Fund - The 40s Plan Direct Growth are:-
- Chanchal Khandelwal
- 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, a member of BSE with SEBI Stock Broker Registration no. INZ000303136, 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.