Aditya Birla Sun Life Retirement Fund-The 30s vs Union Retirement Fund
Aditya Birla Sun Life Retirement Fund-The 30s (Direct) and Union Retirement Fund (Direct) head to head: growth of ₹100, returns across every window, risk, cost, and portfolio overlap — every figure computed from AMFI NAV history, nothing supplied by a fund house. Both are Retirement Fund schemes — see the best retirement mutual funds for the full ranking.
Head to head
NAVs as of 01 Oct 2026
Growth of ₹100 (rebased over the selected window)
Common period 29 Sep 2022 – 01 Oct 2026, limited by Union Retirement Fund. Every series is rebased to ₹100 at the start of this window. Benchmark lines are the category index WealthTicker measures against, which is not always the benchmark the scheme itself declares — the fund page’s Scheme Info names that one.
View as table
| Date | Aditya Birla Sun Life Retirement Fund-The 30s | Union Retirement Fund | Nifty 500 TRI |
|---|---|---|---|
| 29 Sep 2022 | ₹100.00 | ₹100.00 | ₹100.00 |
| 29 Jan 2023 | ₹101.46 | ₹101.04 | ₹102.30 |
| 31 May 2023 | ₹105.63 | ₹109.70 | ₹108.95 |
| 30 Sep 2023 | ₹118.56 | ₹124.30 | ₹120.01 |
| 30 Jan 2024 | ₹129.40 | ₹139.21 | ₹136.41 |
| 31 May 2024 | ₹141.67 | ₹150.36 | ₹147.60 |
| 30 Sep 2024 | ₹164.72 | ₹172.89 | ₹170.17 |
| 29 Jan 2025 | ₹145.15 | ₹154.01 | ₹149.67 |
| 31 May 2025 | ₹158.40 | ₹164.75 | ₹161.28 |
| 30 Sep 2025 | ₹161.58 | ₹168.09 | ₹161.42 |
| 30 Jan 2026 | ₹165.40 | ₹172.78 | ₹164.51 |
| 01 Jun 2026 | ₹173.96 | ₹171.64 | ₹160.56 |
| 01 Oct 2026 | ₹180.78 | ₹172.99 | ₹156.95 |
Portfolio overlap (same stocks held through more than one fund)
Some overlap is structural: SEBI defines large cap as the top 100 stocks by market capitalisation, so two large-cap funds are fishing the same pond by regulation. The bands below are measured per sleeve pairing rather than against one blanket threshold. How this is measured →
- 52 stocks only in Aditya Birla Sun Life Retirement Fund-The 30s
- 23 stocks in both — 28.2% of each portfolio by weight
- 53 stocks only in Union Retirement Fund
The more the circles overlap, the more the funds hold the same stocks.
Aditya Birla Sun Life Retirement Fund-The 30s and Union Retirement Fund share 28% of their equity book by weight.
Shared holdings — Aditya Birla Sun Life Retirement Fund-The 30s vs Union Retirement Fund
| Stock | Aditya Birla Sun Life Retirement Fund-The 30s | Union Retirement Fund | |
|---|---|---|---|
| ICICI Bank Ltd. | 3.96% | 6.14% | 3.96% |
| Eternal Ltd. | 2.35% | 2.15% | 2.15% |
| S.J.S. Enterprises Ltd. | 2.76% | 2.10% | 2.10% |
| HDFC Bank Ltd. | 1.98% | 4.66% | 1.98% |
| Reliance Industries Ltd. | 1.58% | 2.19% | 1.58% |
| Larsen & Toubro Ltd. | 1.61% | 1.52% | 1.52% |
| Ujjivan Small Finance Bank Ltd. | 1.56% | 1.39% | 1.39% |
| Kirloskar Oil Engines Ltd. | 1.87% | 1.35% | 1.35% |
| State Bank of India | 1.34% | 2.04% | 1.34% |
| Ajanta Pharma Ltd. | 2.03% | 1.12% | 1.12% |
| Infosys Ltd. | 0.99% | 1.68% | 0.99% |
| Adani Ports and Special Economic Zone Ltd. | 1.63% | 0.97% | 0.97% |
| Varun Beverages Ltd. | 1.26% | 0.94% | 0.94% |
| Persistent Systems Ltd. | 0.93% | 0.92% | 0.92% |
| JK Cement Ltd. | 0.96% | 0.89% | 0.89% |
8 more stocks in common. 23 shared of 75 / 76 positions. Weights are shown as a share of each fund's equity book.
| Metric | Aditya Birla Sun Life · Direct NAV ₹24.47 High risk ★★★☆☆ | Union · Direct NAV ₹16.59 High risk ★★★★☆ | Category median Retirement Fund · 29 funds |
|---|---|---|---|
| +10.95%Best in row | +1.90% | +0.80% | |
| +15.07%Best in row | +11.62% | +8.16% | |
| +11.62% | — | +8.36% | |
| +12.56% | +14.66% | +9.48% | |
| +13.89%Best in row | +9.77% | — | |
| +14.51% | +16.99%Best in row | +12.70% | |
| +14.74% | — | +12.08% | |
| Risk | |||
| 14.24% | 14.33% | 10.78% | |
| 0.60Best in row | 0.36 | 0.19 | |
| 0.82Best in row | 0.48 | 0.26 | |
| -34.23% | -17.77% | -16.53% | |
| +5.35%Best in row | +2.41% | +0.09% | |
| 0.97 | 0.91 | 0.76 | |
| 110.0%Best in row | 100.4% | 82.1% | |
| 83.9%Best in row | 87.5% | 74.8% | |
| 1.35% | 1.36% | 1.16% | |
| ₹434.17Cr | ₹197.16Cr | ₹265.31Cr | |
| ₹500 | ₹100 | — | |
| 49% | 44% | 44% | |
| Jonas Bhutta · 1.9y | Pratik Dharmshi · 1.8y | — | |
| 12 Mar 2019 | 29 Sep 2022 | — | |
| 75 | 76 | — | |
| 26.2% | 28.2% | — | |
| 3.2% | 1.5% | — | |
6 rows carry the same value for every fund — show
- 10Y return (CAGR)
- —
- 10Y rolling avg
- —
- Benchmark
- Nifty 500 TRI
- Exit load
- None
- Lock-in
- 5 years
- Min lumpsum
- ₹1.00K
Best marks the strongest value in a row, and only where the gap is bigger than noise — a near-tie is left unmarked rather than dressed up as a result. SIP XIRR is a ₹10,000/month instalment over 5 years of real NAV history. Nothing here is supplied by a fund house. For research only — not investment advice.
Frequently asked questions
Which fund has delivered higher returns — Aditya Birla Sun Life Retirement Fund-The 30s or Union Retirement Fund?
Over the last 3 years, Aditya Birla Sun Life Retirement Fund-The 30s returned +15.07% CAGR against Union Retirement Fund's +11.62%, computed from AMFI NAV history. Past returns don't guarantee future performance.
Which fund is cheaper — Aditya Birla Sun Life Retirement Fund-The 30s or Union Retirement Fund?
Aditya Birla Sun Life Retirement Fund-The 30s has the lower expense ratio: Aditya Birla Sun Life Retirement Fund-The 30s charges 1.35% a year against Union Retirement Fund's 1.36%. The expense ratio is deducted from the NAV daily, so a lower one compounds in the investor's favour.
Which fund is riskier — Aditya Birla Sun Life Retirement Fund-The 30s or Union Retirement Fund?
Union Retirement Fund has shown higher volatility (+14.33% annualized vs Aditya Birla Sun Life Retirement Fund-The 30s's +14.24%), measured as the annualized standard deviation of daily returns over the trailing 3 years. Worst 3-year drawdown: Aditya Birla Sun Life Retirement Fund-The 30s -18.98% vs Union Retirement Fund -17.77%.
Which fund manages more money — Aditya Birla Sun Life Retirement Fund-The 30s or Union Retirement Fund?
Aditya Birla Sun Life Retirement Fund-The 30s is the larger fund: Aditya Birla Sun Life Retirement Fund-The 30s manages ₹434.17Cr against Union Retirement Fund's ₹197.16Cr in assets. Size cuts both ways — scale lowers costs, but a very large fund can find it harder to move in and out of positions.
Are Aditya Birla Sun Life Retirement Fund-The 30s and Union Retirement Fund in the same category?
Yes — both are Retirement Fund schemes, so their returns, risk and cost are directly comparable against the same peer set.
Figures update daily from AMFI NAV history; ratings and ranks are WealthTicker’s own — see the methodology. This is data, not investment advice.