আদিত্য বিড়লা সান লাইফ মিউচুয়াল ফান্ড 2022-এর 4টি সেরা ঋণ তহবিল

Updated on September 12, 2025 , 20264 views

বিনিয়োগকারীরা তাদের অর্থ সংরক্ষণ করতে চান, ঋণ তহবিল দ্বারাবিড়লা সান লাইফ মিউচুয়াল ফান্ড আপনার জন্য সেরা। এই তহবিল উচ্চ প্রদানতারল্য কর-দক্ষ রিটার্ন সহ। ঋণ তহবিল ঋণ বিনিয়োগের মিশ্রণে বিনিয়োগ করে যেমন সরকারী সিকিউরিটিজ (G-Secs), ট্রেজারি বিল,অর্থ বাজার যন্ত্র, ইত্যাদি এইভাবে, ঋণ তহবিলের তুলনায় কম ঝুঁকি বিনিয়োগইক্যুইটি ফান্ড.

বিড়লা সান লাইফপারস্পরিক তহবিল সাধারণত যেমন যন্ত্র বিনিয়োগবন্ড স্বনামধন্য ভারতীয় কোম্পানি এবং ভারত সরকার দ্বারা জারি করা সিকিউরিটিজ, যা তুলনামূলকভাবে নিরাপদ বলে মনে করা হয়।

এভাবে বিনিয়োগকারীরা যারা নিয়মিত আয় করতে চানআয় আদর্শভাবে এই তালিকাভুক্ত শীর্ষ 4 এ বিনিয়োগ করতে পারেনসেরা ঋণ তহবিল বিড়লা সান লাইফ মিউচুয়াল ফান্ড দ্বারা। এই তহবিলগুলি AUM এর মতো নির্দিষ্ট পরামিতিগুলি গ্রহণ করে সংক্ষিপ্ত তালিকাভুক্ত করা হয়েছে,না, অতীতের আয়, পোর্টফোলিওর ক্রেডিট গুণমান, গড় পরিপক্কতা, ইত্যাদি।

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কেন ABSL ডেট ফান্ডে বিনিয়োগ করবেন?

বিনিয়োগকারীরা যারা স্বল্পমেয়াদী অর্জনের পরিকল্পনা করছেনআর্থিক লক্ষ্য, তারপর ঋণ তহবিল একটি ভাল বিকল্প হতে পারে. প্রস্তাবিতঋণ তহবিল এই পরিকল্পনার জন্য উপকরণগুলি স্বল্পমেয়াদী, অতি-স্বল্পমেয়াদী ঋণ তহবিল বাতরল তহবিল. স্বল্পমেয়াদী বিনিয়োগে, আপনাকে নিরাপত্তা এবং তারল্য নিশ্চিত করতে হবে যা ঋণ তহবিল দ্বারা ভালভাবে দেওয়া হয়।
যেহেতু, ঋণ তহবিলগুলি মূলত সরকারী সিকিউরিটিজ, কর্পোরেট ঋণ এবং অন্যান্য সিকিউরিটি যেমন ট্রেজারি বিল ইত্যাদিতে বিনিয়োগ করে, তাই তারা ইক্যুইটি দ্বারা প্রভাবিত হয় নাবাজার অস্থিরতা
বিনিয়োগকারীরা এর চেয়ে ভালো আয় করতে পারেব্যাংক সঞ্চয় অ্যাকাউন্ট ভিতরেতরল তহবিল. আপনি যদি স্বল্প মেয়াদে শালীন আয় করতে চান তবে এই তহবিলগুলি অত্যন্ত সুপারিশযোগ্য।
নিয়মিত আয়ের জন্য ঋণ তহবিল একটি আদর্শ বিনিয়োগ হিসাবে বিবেচিত হয়। উদাহরণস্বরূপ, লভ্যাংশ পরিশোধ করা নিয়মিত আয়ের জন্য একটি বিকল্প হতে পারে।

সেরা আদিত্য বিড়লা সান লাইফ ডেট মিউচুয়াল ফান্ড

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	₹555.82 ↑ 0.04	₹20,795	1.6	4.1	7.9	7.4	7.9	6.6%	5M 26D	7M 2D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹113.994 ↑ 0.00	₹28,598	0.8	4.1	7.9	7.6	8.5	6.9%	4Y 6M 11D	6Y 10M 17D
Aditya Birla Sun Life Money Manager Fund Growth	₹375.293 ↑ 0.03	₹29,515	1.5	4.1	7.8	7.5	7.8	6.17%	5M 19D	5M 19D
Aditya Birla Sun Life Medium Term Plan Growth	₹40.3781 ↓ 0.00	₹2,744	1.3	5	12.6	9.2	10.5	7.44%	3Y 6M 18D	4Y 9M 4D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 12 Sep 25

Research Highlights & Commentary of 4 Funds showcased

Commentary	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Corporate Bond Fund	Aditya Birla Sun Life Money Manager Fund	Aditya Birla Sun Life Medium Term Plan
Point 1	Lower mid AUM (₹20,795 Cr).	Upper mid AUM (₹28,598 Cr).	Highest AUM (₹29,515 Cr).	Bottom quartile AUM (₹2,744 Cr).
Point 2	Established history (22+ yrs).	Oldest track record among peers (28 yrs).	Established history (19+ yrs).	Established history (16+ 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: Moderately Low.	Risk profile: Low.	Risk profile: Moderate.
Point 5	1Y return: 7.90% (upper mid).	1Y return: 7.87% (lower mid).	1Y return: 7.80% (bottom quartile).	1Y return: 12.63% (top quartile).
Point 6	1M return: 0.48% (top quartile).	1M return: 0.38% (bottom quartile).	1M return: 0.45% (upper mid).	1M return: 0.45% (lower mid).
Point 7	Sharpe: 3.76 (top quartile).	Sharpe: 1.54 (bottom quartile).	Sharpe: 3.35 (upper mid).	Sharpe: 2.94 (lower 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): 6.60% (lower mid).	Yield to maturity (debt): 6.90% (upper mid).	Yield to maturity (debt): 6.17% (bottom quartile).	Yield to maturity (debt): 7.44% (top quartile).
Point 10	Modified duration: 0.49 yrs (upper mid).	Modified duration: 4.53 yrs (bottom quartile).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 3.55 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹20,795 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.90% (upper mid).
1M return: 0.48% (top quartile).
Sharpe: 3.76 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.60% (lower mid).
Modified duration: 0.49 yrs (upper mid).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹28,598 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.87% (lower mid).
1M return: 0.38% (bottom quartile).
Sharpe: 1.54 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.90% (upper mid).
Modified duration: 4.53 yrs (bottom quartile).

Aditya Birla Sun Life Money Manager Fund

Highest AUM (₹29,515 Cr).
Established history (19+ yrs).
Rating: 5★ (lower mid).
Risk profile: Low.
1Y return: 7.80% (bottom quartile).
1M return: 0.45% (upper mid).
Sharpe: 3.35 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.17% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).

Aditya Birla Sun Life Medium Term Plan

Bottom quartile AUM (₹2,744 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 12.63% (top quartile).
1M return: 0.45% (lower mid).
Sharpe: 2.94 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.44% (top quartile).
Modified duration: 3.55 yrs (lower mid).

1. Aditya Birla Sun Life Savings Fund

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.

Research Highlights for Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹20,795 Cr).
Established history (22+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 7.90% (upper mid).
1M return: 0.48% (top quartile).
Sharpe: 3.76 (top quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 6.60% (lower mid).
Modified duration: 0.49 yrs (upper mid).
Average maturity: 0.59 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~44%).
High-quality debt (AAA/AA ~100%).
Largest holding Shriram Finance Limited (~2.9%).

Below is the key information for Aditya Birla Sun Life Savings Fund

Aditya Birla Sun Life Savings Fund Growth
Launch Date	16 Apr 03
NAV (12 Sep 25)	₹555.82 ↑ 0.04 (0.01 %)
Net Assets (Cr)	₹20,795 on 31 Jul 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.76
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.6%
Effective Maturity	7 Months 2 Days
Modified Duration	5 Months 26 Days
Sub Cat.	Ultrashort Bond

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,454
31 Aug 22	₹10,863
31 Aug 23	₹11,610
31 Aug 24	₹12,473
31 Aug 25	₹13,462

Aditya Birla Sun Life Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Sep 25

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	4.1%
1 Year	7.9%
3 Year	7.4%
5 Year	6.1%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.9%
2023	7.2%
2022	4.8%
2021	3.9%
2020	7%
2019	8.5%
2018	7.6%
2017	7.2%
2016	9.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	11.21 Yr.
Kaustubh Gupta	15 Jul 11	14.14 Yr.
Monika Gandhi	22 Mar 21	4.45 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	43.54%
Debt	56.21%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	63.99%
Cash Equivalent	23.22%
Government	12.53%

Credit Quality

Rating	Value
AA	30.21%
AAA	69.91%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹488 Cr	48,500
91 Days Tbill Red 30-10-2025 Sovereign Bonds \| -	2%	₹415 Cr	42,000,000
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹378 Cr	37,500,000
Bharti Telecom Limited Debentures \| -	2%	₹361 Cr	3,600
Mankind Pharma Limited Debentures \| -	2%	₹349 Cr	34,500
Bharti Telecom Limited Debentures \| -	1%	₹321 Cr	3,200
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹316 Cr	3,150
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000

2. Aditya Birla Sun Life Corporate Bond Fund

(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

Upper mid AUM (₹28,598 Cr).
Oldest track record among peers (28 yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.87% (lower mid).
1M return: 0.38% (bottom quartile).
Sharpe: 1.54 (bottom quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.90% (upper mid).
Modified duration: 4.53 yrs (bottom quartile).
Average maturity: 6.88 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.92% Govt Stock 2039 (~9.7%).

Below is the key information for Aditya Birla Sun Life Corporate Bond Fund

Aditya Birla Sun Life Corporate Bond Fund Growth
Launch Date	3 Mar 97
NAV (12 Sep 25)	₹113.994 ↑ 0.00 (0.00 %)
Net Assets (Cr)	₹28,598 on 31 Jul 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	1.54
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	6.9%
Effective Maturity	6 Years 10 Months 17 Days
Modified Duration	4 Years 6 Months 11 Days
Sub Cat.	Corporate Bond

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,645
31 Aug 22	₹10,986
31 Aug 23	₹11,743
31 Aug 24	₹12,688
31 Aug 25	₹13,667

Aditya Birla Sun Life Corporate Bond Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Corporate Bond Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	0.8%
6 Month	4.1%
1 Year	7.9%
3 Year	7.6%
5 Year	6.5%
10 Year
15 Year
Since launch	8.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.5%
2023	7.3%
2022	4.1%
2021	4%
2020	11.9%
2019	9.6%
2018	7%
2017	6.5%
2016	10.2%
2015	8.9%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	4.39 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	3.24%
Debt	96.48%
Other	0.28%

Debt Sector Allocation

Sector	Value
Corporate	57.46%
Government	39.02%
Cash Equivalent	3.24%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	10%	₹2,718 Cr	268,736,200 ↑ 2,000,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹2,190 Cr	214,500,000 ↑ 11,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,156 Cr	113,500 ↓ -15,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	3%	₹841 Cr	81,161,700
Small Industries Development Bank Of India Debentures \| -	3%	₹750 Cr	74,550
Small Industries Development Bank Of India Debentures \| -	2%	₹603 Cr	6,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹594 Cr	59,000
Rec Limited Debentures \| -	2%	₹585 Cr	60,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹574 Cr	56,500,000 ↑ 6,000,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹563 Cr	55,000

3. Aditya Birla Sun Life Money Manager Fund

(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

Highest AUM (₹29,515 Cr).
Established history (19+ yrs).
Rating: 5★ (lower mid).
Risk profile: Low.
1Y return: 7.80% (bottom quartile).
1M return: 0.45% (upper mid).
Sharpe: 3.35 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.17% (bottom quartile).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.47 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 5.15% Govt Stock 2025 (~2.4%).

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund Growth
Launch Date	13 Oct 05
NAV (12 Sep 25)	₹375.293 ↑ 0.03 (0.01 %)
Net Assets (Cr)	₹29,515 on 31 Jul 25
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	3.35
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.17%
Effective Maturity	5 Months 19 Days
Modified Duration	5 Months 19 Days
Sub Cat.	Money Market

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹10,410
31 Aug 22	₹10,822
31 Aug 23	₹11,594
31 Aug 24	₹12,475
31 Aug 25	₹13,457

Aditya Birla Sun Life Money Manager Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.5%
6 Month	4.1%
1 Year	7.8%
3 Year	7.5%
5 Year	6.1%
10 Year
15 Year
Since launch	6.9%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.8%
2023	7.4%
2022	4.8%
2021	3.8%
2020	6.6%
2019	8%
2018	7.9%
2017	6.8%
2016	7.7%
2015	8.4%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	14.14 Yr.
Anuj Jain	22 Mar 21	4.45 Yr.
Mohit Sharma	1 Apr 17	8.42 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	90.48%
Debt	9.27%
Other	0.25%

Debt Sector Allocation

Sector	Value
Cash Equivalent	43.91%
Corporate	41.88%
Government	13.96%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.15% Govt Stock 2025 Sovereign Bonds \| -	2%	₹724 Cr	72,500,000 ↓ -2,500,000
182 DTB 29082025 Sovereign Bonds \| -	2%	₹504 Cr	50,500,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	1%	₹338 Cr	7,000
5.63% Govt Stock 2026 Sovereign Bonds \| -	1%	₹315 Cr	31,500,000
182 Days Tbill Sovereign Bonds \| -	1%	₹299 Cr	30,000,000
India (Republic of) - \| -	1%	₹245 Cr	25,000,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	1%	₹242 Cr	24,000,000
Gs CG 12/12/2025 - (Strips) Tb Sovereign Bonds \| -	1%	₹187 Cr	19,009,500
08.16 KA Sdl 2025 Sovereign Bonds \| -	1%	₹181 Cr	18,000,000
Gs CG 19/12/2025 - (Strips) Tb Sovereign Bonds \| -	1%	₹159 Cr	16,244,600

4. Aditya Birla Sun Life Medium Term Plan

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

Bottom quartile AUM (₹2,744 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 12.63% (top quartile).
1M return: 0.45% (lower mid).
Sharpe: 2.94 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.44% (top quartile).
Modified duration: 3.55 yrs (lower mid).
Average maturity: 4.76 yrs (lower mid).
Exit load: 0-365 Days (1%),365 Days and above(NIL).
Top sector: Real Estate.
Top bond sector: Corporate.
Debt-heavy allocation (~88%).
High-quality debt (AAA/AA ~96%).
Largest holding 7.1% Govt Stock 2034 (~6.8%).

Below is the key information for Aditya Birla Sun Life Medium Term Plan

Aditya Birla Sun Life Medium Term Plan Growth
Launch Date	25 Mar 09
NAV (12 Sep 25)	₹40.3781 ↓ 0.00 (-0.01 %)
Net Assets (Cr)	₹2,744 on 31 Jul 25
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.57
Sharpe Ratio	2.94
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	7.44%
Effective Maturity	4 Years 9 Months 4 Days
Modified Duration	3 Years 6 Months 18 Days
Sub Cat.	Medium term Bond

Growth of 10,000 investment over the years.

Date	Value
31 Aug 20	₹10,000
31 Aug 21	₹11,020
31 Aug 22	₹13,676
31 Aug 23	₹14,631
31 Aug 24	₹15,802
31 Aug 25	₹17,809

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹218,539.
Net Profit of ₹38,539 Invest Now

Returns for Aditya Birla Sun Life Medium Term Plan

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Sep 25

Duration	Returns
1 Month	0.4%
3 Month	1.3%
6 Month	5%
1 Year	12.6%
3 Year	9.2%
5 Year	12.2%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
2023	6.9%
2022	24.8%
2021	7.1%
2020	8.1%
2019	-4.4%
2018	5.6%
2017	7%
2016	10.9%
2015	9.5%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	11.01 Yr.
Mohit Sharma	6 Aug 20	5.07 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 Jul 25

Asset Allocation

Asset Class	Value
Cash	7.57%
Equity	4.03%
Debt	88.15%
Other	0.25%

Debt Sector Allocation

Sector	Value
Corporate	55.83%
Government	32.32%
Cash Equivalent	7.57%

Credit Quality

Rating	Value
A	3.86%
AA	40.97%
AAA	55.18%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.1% Govt Stock 2034 Sovereign Bonds \| -	7%	₹194 Cr	18,696,700
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹192 Cr	18,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	6%	₹168 Cr	16,500,000 ↓ -5,000,000
Nuvama Wealth Finance Limited Debentures \| -	3%	₹96 Cr	9,500
5.00% Gmr Airport Ltd (13/02/2027) ** Debentures \| -	3%	₹80 Cr	8,000 ↑ 8,000
Jubilant Bevco Limited Debentures \| -	3%	₹77 Cr	7,400
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹75 Cr	7,500
National Bank For Financing Infrastructure And Development Debentures \| -	3%	₹71 Cr	7,000
Power Grid Corporation Of India Limited Debentures \| -	2%	₹70 Cr	7,000
360 One Prime Limited Debentures \| -	2%	₹65 Cr	6,500

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