Investors who want to preserve their money, Debt Funds by Birla Sun Life Mutual Fund is the best for you. These funds also provide high liquidity along with tax-efficient returns. Debt funds invest in a mix of debt investments such as government securities (G-Secs), treasury bills, money market instruments, etc. These funds invest in debt securities of different maturities with each security having a fixed maturity date and interest rate. Thus, debt funds a lower risk investment compared to Equity Funds.
Birla Sun Life Mutual Fund generally invests in instruments like Bonds of reputed Indian companies and securities issued by the Government of India, which is considered relatively safe.
Thus investors who want to earn a regular income can ideally invest in these listed top 4 Best Debt Funds by Birla Sun Life Mutual Fund. These funds have been shortlisted by undertaking certain parameters like AUM, NAV, past returns, the credit quality of the Portfolio, average maturity, etc.
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Investors who are planning to achieve short-term Financial goals, then debt funds can be a good option. Recommended debt fund instruments for this plan are short-term, ultra-short term debt funds or Liquid Funds. In a short term investment, you need to ensure safety and liquidity which are well offered by debt funds.
Since, debt funds largely invest in government securities, corporate debt and other securities like treasury bills, etc., they are not affected by equity market Volatility.
Investors can earn better returns than Bank Savings Account in Liquid Funds. These funds are highly recommendable if you want to earn decent returns in a short term.
Debt funds are considered to be an ideal investment for generating regular income. For example, choosing dividend payout can be an option for regular income.
Fund Selection Methodology used to find 4 funds
Fund NAV Net Assets (Cr) 3 MO (%) 6 MO (%) 1 YR (%) 3 YR (%) 2024 (%) Debt Yield (YTM) Mod. Duration Eff. Maturity Aditya Birla Sun Life Savings Fund Growth ₹572.626
↑ 0.20 ₹21,467 1.4 2.9 7 7.4 7.4 7.14% 5M 23D 6M 18D Aditya Birla Sun Life Money Manager Fund Growth ₹386.222
↓ -0.01 ₹30,778 1.3 2.8 6.9 7.4 7.4 7.02% 7M 17D 7M 20D Aditya Birla Sun Life Corporate Bond Fund Growth ₹116.491
↓ -0.09 ₹27,913 0.7 2.1 6 7.4 7.4 7.21% 4Y 6M 25D 7Y 4D Aditya Birla Sun Life Medium Term Plan Growth ₹42.2747
↓ -0.05 ₹3,070 2.8 4.6 9.5 9.8 10.9 7.8% 2Y 11M 16D 3Y 10M 24D Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 20 Mar 26 Research Highlights & Commentary of 4 Funds showcased
Commentary Aditya Birla Sun Life Savings Fund Aditya Birla Sun Life Money Manager Fund Aditya Birla Sun Life Corporate Bond Fund Aditya Birla Sun Life Medium Term Plan Point 1 Lower mid AUM (₹21,467 Cr). Highest AUM (₹30,778 Cr). Upper mid AUM (₹27,913 Cr). Bottom quartile AUM (₹3,070 Cr). Point 2 Established history (22+ yrs). Established history (20+ yrs). Oldest track record among peers (29 yrs). Established history (17+ yrs). Point 3 Top rated. Rating: 5★ (upper mid). Rating: 5★ (lower mid). Rating: 4★ (bottom quartile). Point 4 Risk profile: Moderately Low. Risk profile: Low. Risk profile: Moderately Low. Risk profile: Moderate. Point 5 1Y return: 7.01% (upper mid). 1Y return: 6.86% (lower mid). 1Y return: 6.01% (bottom quartile). 1Y return: 9.50% (top quartile). Point 6 1M return: 0.38% (top quartile). 1M return: 0.36% (upper mid). 1M return: 0.07% (lower mid). 1M return: 0.03% (bottom quartile). Point 7 Sharpe: 2.39 (top quartile). Sharpe: 2.09 (lower mid). Sharpe: 0.51 (bottom quartile). Sharpe: 2.37 (upper mid). Point 8 Information ratio: 0.00 (top quartile). Information ratio: 0.00 (upper mid). Information ratio: 0.00 (lower mid). Information ratio: 0.00 (bottom quartile). Point 9 Yield to maturity (debt): 7.14% (lower mid). Yield to maturity (debt): 7.02% (bottom quartile). Yield to maturity (debt): 7.21% (upper mid). Yield to maturity (debt): 7.80% (top quartile). Point 10 Modified duration: 0.48 yrs (top quartile). Modified duration: 0.63 yrs (upper mid). Modified duration: 4.57 yrs (bottom quartile). Modified duration: 2.96 yrs (lower mid). Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Money Manager Fund
Aditya Birla Sun Life Corporate Bond Fund
Aditya Birla Sun Life Medium Term Plan
The primary objective of the schemes is to generate regular income through investments in debt and money market instruments. Income maybe generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The schemes will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents. Below is the key information for Aditya Birla Sun Life Savings Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term) The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments. Research Highlights for Aditya Birla Sun Life Money Manager Fund Below is the key information for Aditya Birla Sun Life Money Manager Fund Returns up to 1 year are on (Erstwhile Aditya Birla Sun Life Short Term Fund) An Open-ended income scheme with the objective to generate income and capital appreciation by investing 100% of the corpus in a diversified portfolio of debt and money market securities. Research Highlights for Aditya Birla Sun Life Corporate Bond Fund Below is the key information for Aditya Birla Sun Life Corporate Bond Fund Returns up to 1 year are on The primary investment objective of the Scheme is to generate regular income through investments in debt & money market instruments in order to make regular dividend payments to unit holders & secondary objective is growth of capital. Research Highlights for Aditya Birla Sun Life Medium Term Plan Below is the key information for Aditya Birla Sun Life Medium Term Plan Returns up to 1 year are on 1. Aditya Birla Sun Life Savings Fund
Aditya Birla Sun Life Savings Fund
Growth Launch Date 16 Apr 03 NAV (20 Mar 26) ₹572.626 ↑ 0.20 (0.03 %) Net Assets (Cr) ₹21,467 on 28 Feb 26 Category Debt - Ultrashort Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.55 Sharpe Ratio 2.39 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.14% Effective Maturity 6 Months 18 Days Modified Duration 5 Months 23 Days Sub Cat. Ultrashort Bond Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,424 28 Feb 23 ₹10,957 29 Feb 24 ₹11,766 28 Feb 25 ₹12,673 28 Feb 26 ₹13,576 Returns for Aditya Birla Sun Life Savings Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Mar 26 Duration Returns 1 Month 0.4% 3 Month 1.4% 6 Month 2.9% 1 Year 7% 3 Year 7.4% 5 Year 6.3% 10 Year 15 Year Since launch 7.4% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.9% 2022 7.2% 2021 4.8% 2020 3.9% 2019 7% 2018 8.5% 2017 7.6% 2016 7.2% 2015 9.2% Fund Manager information for Aditya Birla Sun Life Savings Fund
Name Since Tenure Sunaina Cunha 20 Jun 14 11.7 Yr. Kaustubh Gupta 15 Jul 11 14.64 Yr. Monika Gandhi 22 Mar 21 4.94 Yr. Data below for Aditya Birla Sun Life Savings Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 42.74% Debt 56.94% Other 0.32% Debt Sector Allocation
Sector Value Corporate 57.02% Cash Equivalent 26.95% Government 15.71% Credit Quality
Rating Value AA 30.53% AAA 69.47% Top Securities Holdings / Portfolio
Name Holding Value Quantity Aditya BSL Money Mgr Dir Gr
Investment Fund | -5% ₹1,101 Cr 28,181,297
↑ 28,181,297 Shriram Finance Limited
Debentures | -3% ₹612 Cr 60,000 National Bank For Agriculture And Rural Development
Debentures | -3% ₹545 Cr 54,000 Bharti Telecom Limited
Debentures | -2% ₹399 Cr 40,000 Muthoot Finance Limited
Debentures | -2% ₹351 Cr 35,000 Mankind Pharma Limited
Debentures | -1% ₹321 Cr 32,000 National Bank For Agriculture And Rural Development
Debentures | -1% ₹303 Cr 30,000 Avanse Financial Services Limited
Debentures | -1% ₹300 Cr 30,000 Power Finance Corporation Limited
Debentures | -1% ₹297 Cr 30,000 Piramal Finance Limited
Debentures | -1% ₹286 Cr 28,500
↑ 3,500 2. Aditya Birla Sun Life Money Manager Fund
Aditya Birla Sun Life Money Manager Fund
Growth Launch Date 13 Oct 05 NAV (20 Mar 26) ₹386.222 ↓ -0.01 (0.00 %) Net Assets (Cr) ₹30,778 on 28 Feb 26 Category Debt - Money Market AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Low Expense Ratio 0.35 Sharpe Ratio 2.09 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load NIL Yield to Maturity 7.02% Effective Maturity 7 Months 20 Days Modified Duration 7 Months 17 Days Sub Cat. Money Market Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,400 28 Feb 23 ₹10,944 29 Feb 24 ₹11,784 28 Feb 25 ₹12,686 28 Feb 26 ₹13,580 Returns for Aditya Birla Sun Life Money Manager Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Mar 26 Duration Returns 1 Month 0.4% 3 Month 1.3% 6 Month 2.8% 1 Year 6.9% 3 Year 7.4% 5 Year 6.3% 10 Year 15 Year Since launch 6.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 7.8% 2022 7.4% 2021 4.8% 2020 3.8% 2019 6.6% 2018 8% 2017 7.9% 2016 6.8% 2015 7.7% Fund Manager information for Aditya Birla Sun Life Money Manager Fund
Name Since Tenure Kaustubh Gupta 15 Jul 11 14.64 Yr. Anuj Jain 22 Mar 21 4.94 Yr. Mohit Sharma 1 Apr 17 8.92 Yr. Data below for Aditya Birla Sun Life Money Manager Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 58.14% Debt 41.6% Other 0.26% Debt Sector Allocation
Sector Value Corporate 50.61% Cash Equivalent 36.34% Government 12.79% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity Indusind Bank Ltd.
Debentures | -5% ₹1,405 Cr 30,000 Axis Bank Ltd.
Debentures | -3% ₹947 Cr 20,000
↑ 10,000 Federal Bank Ltd.
Debentures | -3% ₹937 Cr 20,000
↑ 20,000 National Bank for Agriculture and Rural Development
Domestic Bonds | -2% ₹562 Cr 12,000
↑ 12,000 5.63% Gs 2026
Sovereign Bonds | -2% ₹470 Cr 47,000,000 Federal Bank Ltd.
Debentures | -2% ₹470 Cr 10,000
↑ 10,000 Punjab National Bank
Domestic Bonds | -2% ₹469 Cr 10,000 HDFC Bank Ltd.
Debentures | -2% ₹468 Cr 10,000
↑ 10,000 Karur Vysya Bank Ltd.
Debentures | -2% ₹467 Cr 10,000
↑ 10,000 02/10/2026 Maturing 364 DTB
Sovereign Bonds | -1% ₹388 Cr 40,000,000 3. Aditya Birla Sun Life Corporate Bond Fund
Aditya Birla Sun Life Corporate Bond Fund
Growth Launch Date 3 Mar 97 NAV (20 Mar 26) ₹116.491 ↓ -0.09 (-0.08 %) Net Assets (Cr) ₹27,913 on 28 Feb 26 Category Debt - Corporate Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆☆ Risk Moderately Low Expense Ratio 0.52 Sharpe Ratio 0.51 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 100 Exit Load NIL Yield to Maturity 7.21% Effective Maturity 7 Years 4 Days Modified Duration 4 Years 6 Months 25 Days Sub Cat. Corporate Bond Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹10,535 28 Feb 23 ₹10,994 29 Feb 24 ₹11,867 28 Feb 25 ₹12,827 28 Feb 26 ₹13,718 Returns for Aditya Birla Sun Life Corporate Bond Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Mar 26 Duration Returns 1 Month 0.1% 3 Month 0.7% 6 Month 2.1% 1 Year 6% 3 Year 7.4% 5 Year 6.4% 10 Year 15 Year Since launch 8.8% Historical performance (Yearly) on absolute basis
Year Returns 2024 7.4% 2023 8.5% 2022 7.3% 2021 4.1% 2020 4% 2019 11.9% 2018 9.6% 2017 7% 2016 6.5% 2015 10.2% Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund
Name Since Tenure Kaustubh Gupta 12 Apr 21 4.89 Yr. Data below for Aditya Birla Sun Life Corporate Bond Fund as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 4.2% Debt 95.5% Other 0.3% Debt Sector Allocation
Sector Value Corporate 55.71% Government 39.79% Cash Equivalent 4.2% Credit Quality
Rating Value AAA 100% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.68% Gs 2040
Sovereign Bonds | -7% ₹2,074 Cr 214,500,000
↑ 5,500,000 National Bank For Agriculture And Rural Development
Debentures | -4% ₹1,195 Cr 118,500 6.79% Gs 2034
Sovereign Bonds | -4% ₹1,074 Cr 106,519,400
↓ -2,000,000 6.48% Gs 2035
Sovereign Bonds | -4% ₹1,056 Cr 107,000,000
↑ 2,000,000 6.92% Gs 2039
Sovereign Bonds | -3% ₹884 Cr 88,736,200
↑ 10,500,000 7.34% Gs 2064
Sovereign Bonds | -3% ₹713 Cr 72,000,000
↓ -17,500,000 Jamnagar Utilities & Power Private Limited
Debentures | -2% ₹588 Cr 59,000 Bharti Telecom Limited
Debentures | -2% ₹578 Cr 58,000 Bajaj Housing Finance Limited
Debentures | -2% ₹508 Cr 50,000 Bharti Telecom Limited
Debentures | -2% ₹508 Cr 50,900 4. Aditya Birla Sun Life Medium Term Plan
Aditya Birla Sun Life Medium Term Plan
Growth Launch Date 25 Mar 09 NAV (20 Mar 26) ₹42.2747 ↓ -0.05 (-0.12 %) Net Assets (Cr) ₹3,070 on 28 Feb 26 Category Debt - Medium term Bond AMC Birla Sun Life Asset Management Co Ltd Rating ☆☆☆☆ Risk Moderate Expense Ratio 1.57 Sharpe Ratio 2.37 Information Ratio 0 Alpha Ratio 0 Min Investment 1,000 Min SIP Investment 1,000 Exit Load 0-365 Days (1%),365 Days and above(NIL) Yield to Maturity 7.8% Effective Maturity 3 Years 10 Months 24 Days Modified Duration 2 Years 11 Months 16 Days Sub Cat. Medium term Bond Growth of 10,000 investment over the years.
Date Value 28 Feb 21 ₹10,000 28 Feb 22 ₹11,001 28 Feb 23 ₹13,264 29 Feb 24 ₹14,263 28 Feb 25 ₹16,044 28 Feb 26 ₹17,708 Returns for Aditya Birla Sun Life Medium Term Plan
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 20 Mar 26 Duration Returns 1 Month 0% 3 Month 2.8% 6 Month 4.6% 1 Year 9.5% 3 Year 9.8% 5 Year 12% 10 Year 15 Year Since launch 8.9% Historical performance (Yearly) on absolute basis
Year Returns 2024 10.9% 2023 10.5% 2022 6.9% 2021 24.8% 2020 7.1% 2019 8.1% 2018 -4.4% 2017 5.6% 2016 7% 2015 10.9% Fund Manager information for Aditya Birla Sun Life Medium Term Plan
Name Since Tenure Sunaina Cunha 1 Sep 14 11.5 Yr. Mohit Sharma 6 Aug 20 5.57 Yr. Data below for Aditya Birla Sun Life Medium Term Plan as on 28 Feb 26
Asset Allocation
Asset Class Value Cash 5.27% Equity 4.28% Debt 90.19% Other 0.26% Debt Sector Allocation
Sector Value Corporate 57.42% Government 32.77% Cash Equivalent 5.27% Credit Quality
Rating Value A 11.55% AA 39.56% AAA 48.89% Top Securities Holdings / Portfolio
Name Holding Value Quantity 6.79% Gs 2034
Sovereign Bonds | -8% ₹247 Cr 24,500,000 7.10% Gs 2034
Sovereign Bonds | -7% ₹218 Cr 21,196,700 National Bank for Agriculture and Rural Development 7.27%
Domestic Bonds | -4% ₹126 Cr 12,500 National Bank For Agriculture And Rural Development
Debentures | -4% ₹114 Cr 11,500 Hinduja Leyland Finance Limited
Debentures | -4% ₹108 Cr 11,000 Nuvama Wealth Finance Limited
Debentures | -3% ₹96 Cr 9,500 6.48% Gs 2035
Sovereign Bonds | -3% ₹94 Cr 9,500,000 GMR Airports Limited
Debentures | -3% ₹83 Cr 8,000 Jubilant Bevco Limited
Debentures | -3% ₹80 Cr 7,400 Jtpm Metal TRaders Limited
Debentures | -3% ₹80 Cr 7,673
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Research Highlights for Aditya Birla Sun Life Savings Fund