Aditya Birla SL Retirement Fund 40s Plan
The Scheme seeks to invests predominantly in equity and equity related instruments with marginal allocation to debt and money market instruments.
Growthvine rating: 3/5 — ranked #3 of 9 in category.
Fund basics
| Category | Solution: Retirement Hybrid |
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| NAV | ₹19.67 (as of 2026-08-21) |
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| AUM | ₹113 Cr |
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| Expense ratio | 2.09% |
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| Riskometer | Very High |
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| Fund manager | Mohit Sharma |
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| Exit load | 0 |
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Performance & risk
| 5-year annualised return | 8.92% |
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| Sharpe ratio | 0.41 |
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| Standard deviation | 11.24% |
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| Max drawdown | -27.39% |
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| Alpha | 0 |
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| Beta | 0 |
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Over 5 years, captured 73.0% of Nifty 500's upside and 71.7% of its downside.
Market cap allocation
| Large cap | 65.0% |
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| Mid cap | 17.2% |
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| Small cap | 17.7% |
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Concentration
| Top 5 holdings | 19.8% |
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| Top 10 holdings | 31.5% |
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| Total holdings | 57 |
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Top holdings
- TREPS — 7.5%
- ICICI Bank Ltd. — 6.6%
- Government of India (06/10/2035) — 6.3%
- HDFC Bank Ltd. — 4.1%
- Infosys Ltd — 3.2%
- Reliance Industries Ltd — 3.0%
- Government of India (22/04/2064) — 2.9%
- UltraTech Cement Ltd — 2.9%
- Sun Pharmaceutical Industries Ltd. — 2.9%
- State Bank Of India — 2.5%
Top sectors
- Banking & Financial — 19.7%
- Pharma & Biotech — 6.3%
- Consumer Durables — 6.1%
Calendar-year track record
| Year | Return | Quartile | Category rank |
|---|
| 2026 (partial) | 2.5% | Q2 | #4 of 8 |
| 2025 | 4.4% | Q3 | #6 of 8 |
| 2024 | 17.5% | Q2 | #4 of 8 |
| 2023 | 19.0% | Q3 | #6 of 7 |
| 2022 | 0.2% | Q3 | #5 of 7 |