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 20 Aug 2026
Growth of ₹100 (rebased over the selected window)
Common period 29 Sep 2022 – 20 Aug 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 |
|---|---|---|---|
| 29 Sep 2022 | ₹100.00 | ₹100.00 | ₹100.00 |
| 25 Jan 2023 | ₹102.76 | ₹102.40 | ₹103.90 |
| 24 May 2023 | ₹104.68 | ₹107.61 | ₹106.26 |
| 19 Sep 2023 | ₹120.23 | ₹125.65 | ₹120.62 |
| 16 Jan 2024 | ₹131.86 | ₹140.88 | ₹135.78 |
| 13 May 2024 | ₹135.01 | ₹145.99 | ₹140.46 |
| 09 Sep 2024 | ₹157.08 | ₹166.94 | ₹160.95 |
| 05 Jan 2025 | ₹156.88 | ₹165.90 | ₹155.51 |
| 03 May 2025 | ₹149.17 | ₹158.92 | ₹150.70 |
| 30 Aug 2025 | ₹160.21 | ₹166.11 | ₹153.83 |
| 26 Dec 2025 | ₹169.33 | ₹175.81 | ₹162.85 |
| 24 Apr 2026 | ₹169.01 | ₹172.58 | ₹154.56 |
| 20 Aug 2026 | ₹190.61 | ₹185.19 | ₹161.02 |
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 →
Aditya Birla Sun Life Retirement Fund-The 30s and Union Retirement Fund share 32% 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 | 3.93% | 6.07% | 3.93% |
| HDFC Bank Ltd | 2.34% | 5.48% | 2.34% |
| S.J.S Enterprises Ltd | 2.58% | 1.96% | 1.96% |
| Axis Bank Ltd | 1.87% | 1.75% | 1.75% |
| Larsen & Toubro Ltd | 1.72% | 1.83% | 1.72% |
| Kirloskar Oil Engines Ltd | 2.96% | 1.59% | 1.59% |
| Zomato Ltd | 2.07% | 1.56% | 1.56% |
| State Bank of India | 1.36% | 2.27% | 1.36% |
| Ujjivan Small Finance Bank Ltd | 1.39% | 1.25% | 1.25% |
| Trent Ltd | 2.11% | 1.12% | 1.12% |
| Ajanta Pharma Ltd | 2.02% | 1.10% | 1.10% |
| Adani Ports and Special Economic Zone Ltd | 1.94% | 1.02% | 1.02% |
| Infosys Ltd | 1.01% | 1.55% | 1.01% |
| Avenue Supermarts Ltd | 1.01% | 1.01% | 1.01% |
| JK Cement Ltd | 1.06% | 0.99% | 0.99% |
14 more stocks in common. 29 shared of 77 / 79 positions. Weights are shown as a share of each fund's equity book.
| Metric | Aditya Birla Sun Life · Direct NAV ₹25.80 High risk ★★★☆☆ | Union · Direct NAV ₹17.76 High risk ★★★★☆ | Category median Retirement Fund · 29 funds |
|---|---|---|---|
| +15.64%Best in row | +8.42% | +4.07% | |
| +17.79%Best in row | +15.52% | +10.96% | |
| +13.89% | — | +10.01% | |
| +13.57% | +17.16%Best in row | +10.95% | |
| +16.71%Best in row | +13.94% | — | |
| +14.53% | +17.77%Best in row | +12.79% | |
| +14.92% | — | +12.13% | |
| Risk | |||
| 14.13% | 14.19% | 10.69% | |
| 0.80Best in row | 0.64 | 0.47 | |
| 1.10Best in row | 0.86 | 0.65 | |
| -34.23% | -17.77%Best in row | -16.53% | |
| +5.44%Best in row | +3.21% | +0.92% | |
| 0.97 | 0.90 | 0.76 | |
| 111.2%Best in row | 101.3% | 82.1% | |
| 83.8% | 83.4% | 69.9% | |
| 1.35%Best in row | 1.39% | 1.12% | |
| ₹434.17Cr | ₹197.16Cr | ₹280.84Cr | |
| ₹500 | ₹100 | — | |
| 1% | 45% | 24% | |
| Jonas Bhutta · 1.8y | Pratik Dharmshi | — | |
| 12 Mar 2019 | 29 Sep 2022 | — | |
| 77 | 79 | — | |
| 26.6% | 29.1% | — | |
| 3.0% | 1.2% | — | |
6 rows carry the same value for every fund — show
- 10Y return (CAGR)
- —
- 10Y rolling avg
- —
- Benchmark
- Nifty 500
- 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 +17.79% CAGR against Union Retirement Fund's +15.52%, 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 1.39%. 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 (+14.19% annualized vs Aditya Birla Sun Life Retirement Fund-The 30s's +14.13%), 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.