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Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth vs ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option
Aditya Birla Sun Life Retirement Fund-The 40s Plan- and ICICI Prudential Retirement Fund - Hybrid Aggressive are both in the Retirement Fund category, from Aditya Birla Sun Life AMC Limited and ICICI Prudential Asset Management Company Limited respectively. ICICI Prudential Retirement Fund - Hybrid Aggressive has posted a higher 3-year rolling CAGR. Aditya Birla Sun Life Retirement Fund-The 40s Plan- has the lower expense ratio. See the full table and FAQ below for the complete real-data comparison.
Basics
Aditya Birla Sun Life Retirement Fund-The 40s Plan- has the lower direct-plan expense ratio, by 0.05 percentage points.
| Aditya Birla Sun Life Retirement Fund-The 40s Plan-Direct Plan-Growth | ICICI Prudential Retirement Fund - Hybrid Aggressive - Direct Plan - Growth Option | |
|---|---|---|
| Category | Retirement Fund | Retirement Fund |
| AMC | Aditya Birla Sun Life AMC Limited | ICICI Prudential Asset Management Company Limited |
| Benchmark | CRISIL Hybrid 35+65 - Aggressive Index | CRISIL Hybrid 35+65 - Aggressive Index |
| NAV | ₹20.588 (2026-10-28) | ₹29.16 (2026-10-28) |
| AUM | ₹107.049 Cr | ₹1,223.544 Cr |
| Expense Ratio (Direct) | 1.18% | 1.23% |
| Inception | 2019-02-19 | 2019-02-07 |
Returns
ICICI Prudential Retirement Fund - Hybrid Aggressive leads on 3-year rolling CAGR (20.7% vs Aditya Birla Sun Life Retirement Fund-The 40s Plan-'s 12.7%) - see the FAQ below for percentile context within each fund's own category.
Risk Metrics
ICICI Prudential Retirement Fund - Hybrid Aggressive has been the more volatile of the two by standard deviation.
Portfolio Analytics
ICICI Prudential Retirement Fund - Hybrid Aggressive carries the higher portfolio YTM.
Punji Fund Health Score
ICICI Prudential Retirement Fund - Hybrid Aggressive has the stronger Punji Quality grade of the two.
Frequently asked questions
Which has a higher 3-year return, Aditya Birla Sun Life Retirement Fund-The 40s Plan- or ICICI Prudential Retirement Fund - Hybrid Aggressive?
ICICI Prudential Retirement Fund - Hybrid Aggressive's 3-year rolling CAGR of 20.7% is higher than Aditya Birla Sun Life Retirement Fund-The 40s Plan-'s 12.7%. ICICI Prudential Retirement Fund - Hybrid Aggressive sits in the 96th percentile of its category on this metric, versus the 52nd percentile for Aditya Birla Sun Life Retirement Fund-The 40s Plan- - though note both funds may belong to different categories with different medians, so a raw CAGR comparison doesn't account for how each fund performed relative to its own peers. A higher historical return also doesn't necessarily mean lower risk; check the risk metrics below before concluding either fund is the "better" choice.
Which has a lower expense ratio, Aditya Birla Sun Life Retirement Fund-The 40s Plan- or ICICI Prudential Retirement Fund - Hybrid Aggressive?
Aditya Birla Sun Life Retirement Fund-The 40s Plan-'s direct-plan expense ratio is 0.05 percentage points lower than ICICI Prudential Retirement Fund - Hybrid Aggressive's. Over long holding periods, a persistent expense-ratio gap compounds into a materially different final corpus even if the two funds' gross returns are similar - it's one of the few fund attributes you can compare with total certainty upfront, unlike future returns, since the fee is contractually fixed rather than a historical estimate.
Which fund carries more risk, Aditya Birla Sun Life Retirement Fund-The 40s Plan- or ICICI Prudential Retirement Fund - Hybrid Aggressive?
By standard deviation (a measure of how much a fund's returns swing around its own average), ICICI Prudential Retirement Fund - Hybrid Aggressive has been more volatile than Aditya Birla Sun Life Retirement Fund-The 40s Plan- over the trailing window. Standard deviation captures total volatility in both directions - up and down - so a higher figure means bigger swings generally, not necessarily bigger losses specifically. Sharpe ratio (0.18 for Aditya Birla Sun Life Retirement Fund-The 40s Plan- vs 0.52 for ICICI Prudential Retirement Fund - Hybrid Aggressive) is a better single measure of risk-adjusted return, since it weighs the return earned per unit of volatility taken rather than volatility alone.
Which has higher AUM, Aditya Birla Sun Life Retirement Fund-The 40s Plan- or ICICI Prudential Retirement Fund - Hybrid Aggressive?
ICICI Prudential Retirement Fund - Hybrid Aggressive has ₹1,224 Cr in assets under management, versus ₹107 Cr for Aditya Birla Sun Life Retirement Fund-The 40s Plan-. A larger AUM generally means deeper liquidity and lower per-unit fixed costs for the AMC to spread across investors, but an AUM that's very large relative to a fund's category and strategy (especially in small/mid cap categories, where the investable universe is smaller) can also make it harder for a manager to enter and exit positions without moving the price - bigger isn't automatically better, especially for less liquid categories.
Which has a higher yield to maturity (YTM), Aditya Birla Sun Life Retirement Fund-The 40s Plan- or ICICI Prudential Retirement Fund - Hybrid Aggressive?
ICICI Prudential Retirement Fund - Hybrid Aggressive's portfolio YTM (7.8919%) is higher than Aditya Birla Sun Life Retirement Fund-The 40s Plan-'s. YTM is the weighted-average return a debt fund's current bond holdings would earn if held to maturity, assuming no defaults and coupons reinvested at the same rate - a useful forward-looking yield estimate for debt funds the way rolling CAGR is for equity funds, though it's an estimate based on today's portfolio, not a guaranteed return, and can move as bonds are bought/sold or as interest rates change.
Which fund has a longer track record, Aditya Birla Sun Life Retirement Fund-The 40s Plan- or ICICI Prudential Retirement Fund - Hybrid Aggressive?
ICICI Prudential Retirement Fund - Hybrid Aggressive launched on 2019-02-07, making it older than Aditya Birla Sun Life Retirement Fund-The 40s Plan- (launched 2019-02-19). A longer track record means more real market cycles (bull runs, corrections, rate cycles) the fund has actually navigated, which is useful context for judging consistency - but it isn't a guarantee of future performance, and a newer fund isn't automatically worse, especially if it's run by an experienced manager or team with a track record at a prior fund.
Data as of 2026-10-29. Source: AMFI disclosures via Punji. Not investment advice.