Should I invest in Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct?

We don't give personal investment advice. Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW is suitable for an investor whose:understands what asset class this scheme actually invests in (check the factsheet)matches that asset class's volatility profile to their goal horizonCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 17.1%. 5-year CAGR: 5.59%.

Aditya Birla Sun Life

Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW

Latest NAV

₹17.4200

As of

17 Jul 2026

1,807 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.13%	+0.13%	0.00	10 / 23	Q2
1W	-0.17%	-0.04%	-0.13	20 / 23	Q4
2W	+0.53%	-0.77%	+1.31	6 / 23	Q2
1M	+0.91%	+0.41%	+0.49	15 / 23	Q3
3M	+1.87%	+1.93%	-0.06	16 / 23	Q3
6M	+0.99%	+1.13%	-0.15	16 / 23	Q3
YTD	+0.40%	+0.09%	+0.31	13 / 23	Q3
1Y	-3.61%	+0.68%	-4.29	18 / 23	Q4
2Y	-1.27%	+2.40%	-3.68	19 / 23	Q4
3Y	+4.83%	+8.63%	-3.79	17 / 20	Q4
4Y	+7.50%	+9.86%	-2.35	14 / 19	Q3
5Y	+5.59%	+8.42%	-2.83	15 / 19	Q4
7Y	+8.61%	+8.89%	-0.28	6 / 12	Q2
10Y	—	—	—	—	—
Inception	+7.83%	+9.90%	-2.08	15 / 23	Q3

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	+0.40%	+0.09%	+0.31	13 / 23
2025	-0.69%	+4.83%	-5.52	21 / 23
2024	+3.01%	+11.40%	-8.40	19 / 21
2023	+20.44%	+19.27%	+1.17	10 / 20
2022	+1.59%	+2.24%	-0.64	15 / 19
2021	+12.14%	+15.66%	-3.52	9 / 15
2020	+16.09%	+11.58%	+4.51	4 / 15
2019	—	—	—	—

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+9.26%

78 windows

min -12.9% · max 37.8%

74% positive

3-Year rolling

+9.89%

54 windows

min 4.8% · max 16.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 3Y windows happen to be available.

5-Year rolling

+9.93%

29 windows

min 5.3% · max 14.8%

100% positive

Limited basis — fund is young, so this average may be skewed by which 5Y windows happen to be available.

7-Year rolling

+7.81%

5 windows

min 7.1% · max 8.6%

100% positive

Limited basis — fund is young, so this average may be skewed by which 7Y windows happen to be available.

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

11.70%

3-year · annualised

Sharpe ratio

-0.09

vs risk-free 6.5%

Sortino ratio

-0.14

Downside-only deviation

Max drawdown

-17.08%

Sep 2024 → Feb 2025

% positive months

63.9%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Retirement Fund

Scheme	Fund house	NAV	As of
NIPPON INDIA RETIREMENT FUND - INCOME GENERATION SCHEME - Direct Plan - IDCW Option	Nippon India	₹23.4880	17 Jul 2026
SBI Retirement Benefit Fund - Aggressive Hybrid Plan - Direct Plan - Income Distribution cum Capital Withdrawal Option (IDCW)	SBI	₹20.6572	17 Jul 2026
ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - IDCW Option	ICICI Prudential	₹31.3300	17 Jul 2026
Bandhan Retirement Fund - Direct Plan - IDCW	Bandhan	₹13.2420	17 Jul 2026
Aditya Birla Sun Life Retirement Fund-The 30s Plan-Direct - Payout of IDCW	Aditya Birla Sun Life	₹20.4410	17 Jul 2026
Franklin India Retirement Fund - Direct - IDCW	Franklin India	₹18.3984	17 Jul 2026
Baroda BNP Paribas Retirement Fund - Direct plan - IDCW option	Baroda BNP Paribas	₹11.9607	17 Jul 2026
UTI Retirement Fund- Direct Plan	UTI	₹55.0672	17 Jul 2026
PGIM India Retirement Fund - Direct Plan - IDCW Payout Option	PGIM India	₹12.6800	17 Jul 2026
Axis Retirement Fund - Aggressive Plan - Direct Plan - IDCW	Axis	₹18.7000	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹17.4200
16 Jul 2026	₹17.3980
15 Jul 2026	₹17.4340
14 Jul 2026	₹17.3610
13 Jul 2026	₹17.4630
10 Jul 2026	₹17.4490
9 Jul 2026	₹17.2750
8 Jul 2026	₹17.1740
7 Jul 2026	₹17.4110
6 Jul 2026	₹17.4440

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW is ₹17.4200. It's a Retirement Fund from Aditya Birla Sun Life, run as a Direct plan IDCW (dividend) option. NAVs update once per business day from the AMFI feed.

Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW has NAV history starting from 13 Mar 2019, a track record of about 7 years 4 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW is managed by Aditya Birla Sun Life. It's classified by AMFI under the 'Retirement Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW has delivered a absolute return of -3.61% — -4.29 pp behind the Retirement Fund category average of 0.68%. The fund ranks #18 of 23 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW has delivered a CAGR of 4.83% — -3.79 pp behind the Retirement Fund category average of 8.63%. The fund ranks #17 of 20 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW has delivered a CAGR of 5.59% — -2.83 pp behind the Retirement Fund category average of 8.42%. The fund ranks #15 of 19 in its category — the bottom (Q4) quartile.

₹1 lakh invested in Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW exactly 5 years ago would be worth approximately ₹131,234 today — a multiplier of 1.31×, based on the 5-year CAGR of 5.59%. The category average over the same window would have grown ₹1 lakh to ₹149,791.

A ₹10,000 monthly SIP in Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW over the last 5 years — total invested ₹600,000 — would be worth ₹678,147 today. That's an XIRR (money-weighted annualised return) of 4.84%.

Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW doesn't yet have 10 years of NAVs. Over the longest available window (7-year SIP), ₹10,000/month would have grown to ₹1,068,287 — XIRR 6.76%.

On a 5-year basis, Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW ranks #15 out of 19 funds in the Retirement Fund category — that places it in the bottom quartile (Q4) — material underperformance. The category average return over the same window is 8.42%; this fund delivered 5.59%.

The worst peak-to-trough decline Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW has experienced over the last 5-year window is 17.08% — its NAV fell from a high on 23 Sep 2024 to a low on 28 Feb 2025. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW averaged 9.93% (best 14.80%, worst 5.28%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is -0.04 — negative risk-adjusted performance.

In calendar year 2025, Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW returned -0.69% — lagging the Retirement Fund category average of 4.83% by 5.52 pp. It ranked #21 of 23 in its category that year.

Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW doesn't fit cleanly into the standard Equity/Debt buckets in our taxonomy. Tax treatment depends on actual asset allocation as disclosed by the AMC — check the factsheet or AMFI's classification table.

We don't give personal investment advice. Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW is suitable for an investor whose:

understands what asset class this scheme actually invests in (check the factsheet)
matches that asset class's volatility profile to their goal horizon

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 17.1%. 5-year CAGR: 5.59%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.

Aditya Birla Sun Life Retirement Fund-The 40s Plan- Direct - Payout of IDCW

NAV history & peer comparison

Returns matrix

Calendar-year returns

Rolling returns

SIP returns — historical "what if"

Risk profile

Peers in Retirement Fund

Recent NAVs

Frequently asked questions

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