Aditya Birla Sun Life Retirement Fund - The 40s Plan Regular-Growth
The fund is rated 0.5 stars. Balance between returns and downside risk provided some support. Asset mix and investment selection within each industry were the main limitations and did not provide enough support for a higher rating. Higher annual fee of 2.42% was a minor drawback.
This fund has a bad track record with Asset Allocation, a bad track record with Stock Selection/Timing, a ok risk-reward ratio. It is important to note, however, that this fund has a 116.039 AUM and a 2.42 expense ratio. Considering all these factors, we have rated this fund as 0.5 star.
Our score weighs long-term performance, risk and consistency — not just past returns.
Returns
As of 7 Oct 2026
Risk ratios
As of 30 Sep 2026
Debt metrics
Portfolio
As of 31 Aug 2026
Market-cap split
Sector allocation
Holdings (63)
| Holding | % of fund | Value | Shares |
|---|---|---|---|
| Others | 7.96% | ₹9.24 Cr | — |
| ICICI Bank Ltd. | 6.64% | ₹7.71 Cr | 53,000 |
| GOICoupon 6.48% · Maturity 06/10/2035 · Rating SOV | 6.28% | ₹7.28 Cr | 7,50,000 |
| HDFC Bank Ltd. | 3.86% | ₹4.48 Cr | 63,118 |
| Infosys Ltd. | 3.18% | ₹3.69 Cr | 32,548 |
| GOICoupon 7.34% · Maturity 22/04/2064 · Rating SOV | 2.90% | ₹3.36 Cr | 3,50,000 |
| Reliance Industries Ltd. | 2.89% | ₹3.36 Cr | 26,304 |
| Sun Pharmaceutical Industries Ltd. | 2.85% | ₹3.31 Cr | 16,676 |
| Ultratech Cement Ltd. | 2.80% | ₹3.24 Cr | 2,834 |
| State Bank of India | 2.62% | ₹3.04 Cr | 28,652 |
Fund details
Long term capital growth and income. investment predominantly in equity and equity related securities as well as debt and money market instruments.
The Scheme seeks to invests predominantly in equity and equity related instruments with marginal allocation to debt and money market instruments.