ಆದಿತ್ಯ ಬಿರ್ಲಾ ಸನ್ ಲೈಫ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ 2022 ರಿಂದ 6 ಅತ್ಯುತ್ತಮ ಸಮತೋಲಿತ ನಿಧಿಗಳು

Updated on December 23, 2025 , 4876 views

ದೀರ್ಘಕಾಲದವರೆಗೆ, ಸಮತೋಲಿತಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಹೂಡಿಕೆದಾರರಿಗೆ ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡಿವೆ ಮತ್ತು ಅವರನ್ನು ಪೂರೈಸಲು ಸಹಾಯ ಮಾಡಿದೆಹಣಕಾಸಿನ ಗುರಿಗಳು. ಹೈಬ್ರಿಡ್ ಫಂಡ್‌ಗಳು ಎಂದು ಕರೆಯಲ್ಪಡುವ ಈ ನಿಧಿಗಳು ಸಾಲ ಮತ್ತು ಎರಡರಲ್ಲೂ ಹಣವನ್ನು ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆಇಕ್ವಿಟಿ ಫಂಡ್‌ಗಳು. ದಿಸಮತೋಲಿತ ನಿಧಿ ಸಾಮಾನ್ಯವಾಗಿ ಈಕ್ವಿಟಿಗಳಲ್ಲಿ ಅದರ ಪೋರ್ಟ್‌ಫೋಲಿಯೋ ಸ್ವತ್ತುಗಳ 65 - 75% ವರೆಗೆ ಮತ್ತು ಸ್ಥಿರದಲ್ಲಿ ಸಮತೋಲನವನ್ನು ಹೊಂದಿದೆಆದಾಯ ಭದ್ರತೆಗಳು.

ಬಿರ್ಲಾ ಸನ್ ಲೈಫ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ನಲ್ಲಿ ಕೆಲವು ಹಳೆಯ ಸಮತೋಲಿತ ಯೋಜನೆಗಳನ್ನು ಹೊಂದಿದೆಮಾರುಕಟ್ಟೆ. ಉದಾಹರಣೆಗೆ, ಆದಿತ್ಯ ಬಿರ್ಲಾ ಸನ್ ಲೈಫ್ ಇಕ್ವಿಟಿ ಹೈಬ್ರಿಡ್ 95 ಫಂಡ್ ಅದ್ಭುತವಾದ ಟ್ರ್ಯಾಕ್ ರೆಕಾರ್ಡ್ ಹೊಂದಿರುವ ಅತ್ಯಂತ ಹಳೆಯ ಸಮತೋಲಿತ ನಿಧಿ ಯೋಜನೆಗಳಲ್ಲಿ ಒಂದಾಗಿದೆ. 10 ವರ್ಷಗಳಿಂದ, ನಿಧಿಯು ನಿರಂತರವಾಗಿ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಉತ್ತಮವಾಗಿ ಕಾರ್ಯನಿರ್ವಹಿಸುತ್ತಿದೆ.

ಇದರೊಂದಿಗೆ ಹೂಡಿಕೆ ಮಾಡಲು ಬಯಸುವ ಹೂಡಿಕೆದಾರರುAMC, ಬಿರ್ಲಾ ಸನ್ ಲೈಫ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ನ ಟಾಪ್ 6 ಅತ್ಯುತ್ತಮ ಸಮತೋಲಿತ ನಿಧಿಗಳು ಇಲ್ಲಿವೆ. AUM ನಂತಹ ಕೆಲವು ಪ್ರಮುಖ ನಿಯತಾಂಕಗಳನ್ನು ಕೈಗೊಳ್ಳುವ ಮೂಲಕ ಈ ಹಣವನ್ನು ಶಾರ್ಟ್‌ಲಿಸ್ಟ್ ಮಾಡಲಾಗಿದೆ,ಅವು ಅಲ್ಲ, ಹಿಂದಿನ ಪ್ರದರ್ಶನಗಳು, ಇತ್ಯಾದಿ.

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ಸಮತೋಲಿತ ನಿಧಿಗಳು ಕಡಿಮೆ ಬಾಷ್ಪಶೀಲವಾಗಿರುತ್ತವೆ. ಅವರು ಈಕ್ವಿಟಿ ಮತ್ತು ಎರಡರಲ್ಲೂ ಉತ್ತಮವಾದದ್ದನ್ನು ನೀಡುತ್ತಾರೆಸಾಲ ನಿಧಿ ಈಕ್ವಿಟಿ ಘಟಕದ ಮೂಲಕ ಹೆಚ್ಚಿನ ಆದಾಯವನ್ನು ಮತ್ತು ಸಾಲದ ಅಂಶದ ಮೂಲಕ ಸ್ಥಿರತೆಯನ್ನು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳುವುದು.

ಕಡಿಮೆ/ಮಧ್ಯ ಅಪಾಯ, ಹೆಚ್ಚಿನ ಆದಾಯ

ಮೇಲೆಆಧಾರ ಸ್ವತ್ತುಗಳ ಹಂಚಿಕೆ, ಸಮತೋಲಿತ ನಿಧಿಗಳ ಮೇಲಿನ ಆದಾಯವನ್ನು ಅಪಾಯಕ್ಕೆ ಸರಿಹೊಂದಿಸಲಾಗುತ್ತದೆ. ಮೂಲಕಹೂಡಿಕೆ ಒಳಗೆಸಣ್ಣ ಕ್ಯಾಪ್ ಮತ್ತುಮಿಡ್ ಕ್ಯಾಪ್ ಷೇರುಗಳು, ಈಕ್ವಿಟಿ ಲಾಭಗಳು ಹೆಚ್ಚು ಮತ್ತು ಸಂಬಂಧಿತ ಅಪಾಯಅಂಶ ಸಾಲದ ಹೂಡಿಕೆಯಿಂದ ನಿಯಂತ್ರಿಸಲ್ಪಡುತ್ತದೆ.

ಅತ್ಯುತ್ತಮ ಬಿರ್ಲಾ ಸನ್ ಲೈಫ್ ಸಮತೋಲಿತ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು

Fund	NAV	Net Assets (Cr)	3 MO (%)	6 MO (%)	1 YR (%)	3 YR (%)	5 YR (%)	2024 (%)	Sub Cat.
Aditya Birla Sun Life Equity Hybrid 95 Fund Growth	₹1,572.22 ↓ -1.96	₹7,614	2.7	3.4	7.3	15.1	13.1	15.3	Hybrid Equity
Aditya Birla Sun Life Regular Savings Fund Growth	₹68.4788 ↑ 0.06	₹1,541	1.3	2.7	7.2	9.3	9.2	10.5	Hybrid Debt
Aditya Birla Sun Life Balanced Advantage Fund Growth	₹110.04 ↓ -0.08	₹8,800	3	3.7	10.1	13.6	11.6	13	Dynamic Allocation
Aditya Birla Sun Life Arbitrage Fund Growth	₹27.2915 ↑ 0.01	₹25,267	1.5	2.9	6.4	7	5.8	7.5	Arbitrage
Aditya Birla Sun Life Equity Savings Fund Growth	₹22.82 ↓ -0.01	₹974	2.3	4.2	8.8	9.9	8.1	8.2	Equity Savings
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 24 Dec 25

Research Highlights & Commentary of 5 Funds showcased

Commentary	Aditya Birla Sun Life Equity Hybrid 95 Fund	Aditya Birla Sun Life Regular Savings Fund	Aditya Birla Sun Life Balanced Advantage Fund	Aditya Birla Sun Life Arbitrage Fund	Aditya Birla Sun Life Equity Savings Fund
Point 1	Lower mid AUM (₹7,614 Cr).	Bottom quartile AUM (₹1,541 Cr).	Upper mid AUM (₹8,800 Cr).	Highest AUM (₹25,267 Cr).	Bottom quartile AUM (₹974 Cr).
Point 2	Oldest track record among peers (30 yrs).	Established history (21+ yrs).	Established history (25+ yrs).	Established history (16+ yrs).	Established history (11+ yrs).
Point 3	Top rated.	Rating: 5★ (upper mid).	Rating: 3★ (lower mid).	Rating: 3★ (bottom quartile).	Not Rated.
Point 4	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderately High.	Risk profile: Moderate.	Risk profile: Moderately High.
Point 5	5Y return: 13.15% (top quartile).	5Y return: 9.25% (lower mid).	5Y return: 11.59% (upper mid).	5Y return: 5.79% (bottom quartile).	5Y return: 8.10% (bottom quartile).
Point 6	3Y return: 15.13% (top quartile).	3Y return: 9.31% (bottom quartile).	3Y return: 13.58% (upper mid).	3Y return: 7.03% (bottom quartile).	3Y return: 9.90% (lower mid).
Point 7	1Y return: 7.27% (lower mid).	1Y return: 7.25% (bottom quartile).	1Y return: 10.11% (top quartile).	1Y return: 6.44% (bottom quartile).	1Y return: 8.82% (upper mid).
Point 8	1M return: 0.52% (upper mid).	1M return: -0.09% (bottom quartile).	1M return: 1.03% (top quartile).	1M return: 0.49% (lower mid).	1M return: 0.48% (bottom quartile).
Point 9	Alpha: -1.13 (bottom quartile).	Alpha: 0.48 (top quartile).	Alpha: 0.00 (upper mid).	Alpha: 0.00 (lower mid).	Alpha: 0.00 (bottom quartile).
Point 10	Sharpe: 0.09 (bottom quartile).	Sharpe: 0.42 (lower mid).	Sharpe: 0.34 (bottom quartile).	Sharpe: 0.83 (upper mid).	Sharpe: 1.00 (top quartile).

Aditya Birla Sun Life Equity Hybrid 95 Fund

Lower mid AUM (₹7,614 Cr).
Oldest track record among peers (30 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.15% (top quartile).
3Y return: 15.13% (top quartile).
1Y return: 7.27% (lower mid).
1M return: 0.52% (upper mid).
Alpha: -1.13 (bottom quartile).
Sharpe: 0.09 (bottom quartile).

Aditya Birla Sun Life Regular Savings Fund

Bottom quartile AUM (₹1,541 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.25% (lower mid).
3Y return: 9.31% (bottom quartile).
1Y return: 7.25% (bottom quartile).
1M return: -0.09% (bottom quartile).
Alpha: 0.48 (top quartile).
Sharpe: 0.42 (lower mid).

Aditya Birla Sun Life Balanced Advantage Fund

Upper mid AUM (₹8,800 Cr).
Established history (25+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.59% (upper mid).
3Y return: 13.58% (upper mid).
1Y return: 10.11% (top quartile).
1M return: 1.03% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.34 (bottom quartile).

Aditya Birla Sun Life Arbitrage Fund

Highest AUM (₹25,267 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
5Y return: 5.79% (bottom quartile).
3Y return: 7.03% (bottom quartile).
1Y return: 6.44% (bottom quartile).
1M return: 0.49% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.83 (upper mid).

Aditya Birla Sun Life Equity Savings Fund

Bottom quartile AUM (₹974 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.10% (bottom quartile).
3Y return: 9.90% (lower mid).
1Y return: 8.82% (upper mid).
1M return: 0.48% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.00 (top quartile).

1. Aditya Birla Sun Life Equity Hybrid 95 Fund

(Erstwhile Aditya Birla Sun Life Balanced 95 Fund)

An Open ended Balanced Scheme with the objective to generate long term growth of capital and current income, through a portfolio with a target allocation of 60% equity and 40% debt and money market securities. The secondary objective is income generation and distribution of dividend.

Research Highlights for Aditya Birla Sun Life Equity Hybrid 95 Fund

Lower mid AUM (₹7,614 Cr).
Oldest track record among peers (30 yrs).
Top rated.
Risk profile: Moderately High.
5Y return: 13.15% (top quartile).
3Y return: 15.13% (top quartile).
1Y return: 7.27% (lower mid).
1M return: 0.52% (upper mid).
Alpha: -1.13 (bottom quartile).
Sharpe: 0.09 (bottom quartile).
Information ratio: 0.51 (top quartile).
Top sector: Financial Services.
Top bond sector: Corporate.
Equity-heavy allocation (~80%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~6.4%).

Below is the key information for Aditya Birla Sun Life Equity Hybrid 95 Fund

Aditya Birla Sun Life Equity Hybrid 95 Fund Growth
Launch Date	10 Feb 95
NAV (24 Dec 25)	₹1,572.22 ↓ -1.96 (-0.12 %)
Net Assets (Cr)	₹7,614 on 30 Nov 25
Category	Hybrid - Hybrid Equity
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.86
Sharpe Ratio	0.09
Information Ratio	0.51
Alpha Ratio	-1.13
Min Investment	1,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹12,960
30 Nov 22	₹13,226
30 Nov 23	₹14,814
30 Nov 24	₹18,195
30 Nov 25	₹19,394

Aditya Birla Sun Life Equity Hybrid 95 Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹426,080.
Net Profit of ₹126,080 Invest Now

Returns for Aditya Birla Sun Life Equity Hybrid 95 Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	2.7%
6 Month	3.4%
1 Year	7.3%
3 Year	15.1%
5 Year	13.1%
10 Year
15 Year
Since launch	17.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	15.3%
2023	21.3%
2022	-1.7%
2021	24.2%
2020	11.7%
2019	4.8%
2018	-5%
2017	25.9%
2016	8.9%
2015	3.4%

Fund Manager information for Aditya Birla Sun Life Equity Hybrid 95 Fund

Name	Since	Tenure
Chanchal Khandelwal	17 Feb 23	2.79 Yr.
Harshil Suvarnkar	22 Mar 21	4.7 Yr.

Data below for Aditya Birla Sun Life Equity Hybrid 95 Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	2.44%
Equity	79.63%
Debt	17.93%

Equity Sector Allocation

Sector	Value
Financial Services	26.25%
Consumer Cyclical	11.68%
Industrials	7.65%
Technology	7.63%
Basic Materials	5.82%
Consumer Defensive	5.16%
Health Care	5.11%
Energy	4.28%
Communication Services	3.2%
Real Estate	1.43%
Utility	1.36%

Debt Sector Allocation

Sector	Value
Corporate	11.81%
Government	6.05%
Cash Equivalent	2.51%

Credit Quality

Rating	Value
AA	23.59%
AAA	76.41%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 30 Sep 13 \| ICICIBANK	6%	₹487 Cr	3,508,915
HDFC Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| HDFCBANK	6%	₹474 Cr	4,703,284
Reliance Industries Ltd (Energy) Equity, Since 31 Oct 18 \| RELIANCE	4%	₹326 Cr	2,078,812
Infosys Ltd (Technology) Equity, Since 31 May 11 \| INFY	3%	₹261 Cr	1,675,179
Bharti Airtel Ltd (Communication Services) Equity, Since 15 Aug 21 \| BHARTIARTL	3%	₹244 Cr	1,160,000
Axis Bank Ltd (Financial Services) Equity, Since 28 Feb 19 \| AXISBANK	2%	₹188 Cr	1,467,860
Mahindra & Mahindra Ltd (Consumer Cyclical) Equity, Since 15 Jul 22 \| M&M	2%	₹187 Cr	496,602
State Bank of India (Financial Services) Equity, Since 30 Nov 20 \| SBIN	2%	₹172 Cr	1,759,812
Larsen & Toubro Ltd (Industrials) Equity, Since 31 Mar 23 \| LT	2%	₹170 Cr	416,818 ↓ -12,417
Cholamandalam Investment And Finance Company Limited Debentures \| -	2%	₹148 Cr	14,500

2. Aditya Birla Sun Life Regular Savings Fund

(Erstwhile Aditya Birla Sun Life MIP II - Wealth 25 Plan)

An Open-ended income scheme with the objective to generate regular income so as to make monthly payment or distribution to unit holders with the secondary objective being growth of capital. Monthly Income is not assured and is subject to availability of distributable surplus.

Research Highlights for Aditya Birla Sun Life Regular Savings Fund

Bottom quartile AUM (₹1,541 Cr).
Established history (21+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately High.
5Y return: 9.25% (lower mid).
3Y return: 9.31% (bottom quartile).
1Y return: 7.25% (bottom quartile).
1M return: -0.09% (bottom quartile).
Alpha: 0.48 (top quartile).
Sharpe: 0.42 (lower mid).
Information ratio: 0.12 (upper mid).
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~72%).
High-quality debt (AAA/AA ~98%).
Largest holding Power Grid Corporation Of India Limited (~5.2%).

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

Aditya Birla Sun Life Regular Savings Fund Growth
Launch Date	22 May 04
NAV (24 Dec 25)	₹68.4788 ↑ 0.06 (0.09 %)
Net Assets (Cr)	₹1,541 on 15 Dec 25
Category	Hybrid - Hybrid Debt
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately High
Expense Ratio	1.91
Sharpe Ratio	0.42
Information Ratio	0.12
Alpha Ratio	0.48
Min Investment	1,000
Min SIP Investment	500
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹11,586
30 Nov 22	₹12,295
30 Nov 23	₹13,145
30 Nov 24	₹14,806
30 Nov 25	₹15,946

Aditya Birla Sun Life Regular Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹385,859.
Net Profit of ₹85,859 Invest Now

Returns for Aditya Birla Sun Life Regular 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 24 Dec 25

Duration	Returns
1 Month	-0.1%
3 Month	1.3%
6 Month	2.7%
1 Year	7.2%
3 Year	9.3%
5 Year	9.2%
10 Year
15 Year
Since launch	9.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	10.5%
2023	9.6%
2022	5.3%
2021	13.4%
2020	9.2%
2019	5.8%
2018	-2.2%
2017	15.5%
2016	13.1%
2015	5.4%

Fund Manager information for Aditya Birla Sun Life Regular Savings Fund

Name	Since	Tenure
Mohit Sharma	31 Oct 24	1.08 Yr.
Harshil Suvarnkar	22 Mar 21	4.7 Yr.

Data below for Aditya Birla Sun Life Regular Savings Fund as on 15 Dec 25

Asset Allocation

Asset Class	Value
Cash	5.81%
Equity	22.24%
Debt	71.64%
Other	0.31%

Equity Sector Allocation

Sector	Value
Financial Services	7.5%
Technology	2.58%
Health Care	2.58%
Consumer Cyclical	2.25%
Basic Materials	1.82%
Industrials	1.51%
Communication Services	1.21%
Consumer Defensive	0.97%
Real Estate	0.89%
Energy	0.76%
Utility	0.18%

Debt Sector Allocation

Sector	Value
Corporate	40.53%
Government	31.1%
Cash Equivalent	5.81%

Credit Quality

Rating	Value
A	2.23%
AA	23.13%
AAA	74.64%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Power Grid Corporation Of India Limited Debentures \| -	5%	₹80 Cr	8,000 ↑ 5,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	4%	₹56 Cr	5,500
Jtpm Metal TRaders Limited Debentures \| -	3%	₹44 Cr	4,316
Bajaj Housing Finance Limited Debentures \| -	2%	₹31 Cr	300
Nuvama Wealth Finance Limited Debentures \| -	2%	₹30 Cr	3,000
HDFC Bank Ltd (Financial Services) Equity, Since 30 Sep 17 \| HDFCBANK	2%	₹30 Cr	300,000
Jubilant Bevco Limited Debentures \| -	2%	₹27 Cr	2,500
Rural Electrification Corporation Limited Debentures \| -	2%	₹26 Cr	250
Bharti Telecom Limited Debentures \| -	2%	₹26 Cr	2,500
Indian Railway Finance Corporation Limited Debentures \| -	2%	₹26 Cr	2,500

3. Aditya Birla Sun Life Balanced Advantage Fund

The primary objective of the Scheme is to generate long term growth of capital and income distribution with relatively lower volatility by investing in a dynamically balanced portfolio of Equity & Equity linked investments and fixed-income securities.

Research Highlights for Aditya Birla Sun Life Balanced Advantage Fund

Upper mid AUM (₹8,800 Cr).
Established history (25+ yrs).
Rating: 3★ (lower mid).
Risk profile: Moderately High.
5Y return: 11.59% (upper mid).
3Y return: 13.58% (upper mid).
1Y return: 10.11% (top quartile).
1M return: 1.03% (top quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.34 (bottom quartile).
Information ratio: 0.00 (lower mid).
Top sector: Financial Services.
Top bond sector: Cash Equivalent.
Conservative stance with elevated cash (~24%).
High-quality debt (AAA/AA ~100%).
Largest holding ICICI Bank Ltd (~4.0%).

Below is the key information for Aditya Birla Sun Life Balanced Advantage Fund

Aditya Birla Sun Life Balanced Advantage Fund Growth
Launch Date	25 Apr 00
NAV (24 Dec 25)	₹110.04 ↓ -0.08 (-0.07 %)
Net Assets (Cr)	₹8,800 on 30 Nov 25
Category	Hybrid - Dynamic Allocation
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderately High
Expense Ratio	1.79
Sharpe Ratio	0.34
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	0-365 Days (1%),365 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹11,659
30 Nov 22	₹12,427
30 Nov 23	₹13,651
30 Nov 24	₹16,238
30 Nov 25	₹17,687

Aditya Birla Sun Life Balanced Advantage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹405,518.
Net Profit of ₹105,518 Invest Now

Returns for Aditya Birla Sun Life Balanced Advantage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25

Duration	Returns
1 Month	1%
3 Month	3%
6 Month	3.7%
1 Year	10.1%
3 Year	13.6%
5 Year	11.6%
10 Year
15 Year
Since launch

Historical performance (Yearly) on absolute basis

Year	Returns
2024	13%
2023	16.5%
2022	4.2%
2021	13.4%
2020	15.4%
2019	8.1%
2018	0.7%
2017	15.2%
2016	16.3%
2015	3.6%

Fund Manager information for Aditya Birla Sun Life Balanced Advantage Fund

Name	Since	Tenure
Harish Krishnan	31 Oct 24	1.08 Yr.
Lovelish Solanki	9 Oct 19	6.15 Yr.
Mohit Sharma	1 Apr 17	8.67 Yr.

Data below for Aditya Birla Sun Life Balanced Advantage Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	24.45%
Equity	56.66%
Debt	18.89%

Equity Sector Allocation

Sector	Value
Financial Services	21.94%
Technology	8.52%
Consumer Cyclical	7.24%
Industrials	6.76%
Basic Materials	6.73%
Consumer Defensive	6.04%
Health Care	5.38%
Real Estate	3.45%
Energy	3.41%
Utility	2.11%
Communication Services	1.22%

Debt Sector Allocation

Sector	Value
Cash Equivalent	26.16%
Corporate	10.91%
Government	6.27%

Credit Quality

Rating	Value
AA	27.12%
AAA	72.88%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 09 \| ICICIBANK	4%	₹352 Cr	2,535,492 ↓ -24,300
HDFC Bank Ltd (Financial Services) Equity, Since 31 Mar 17 \| HDFCBANK	4%	₹316 Cr	3,137,592
Reliance Industries Ltd (Energy) Equity, Since 30 Sep 18 \| RELIANCE	3%	₹264 Cr	1,683,756
Infosys Ltd (Technology) Equity, Since 31 Dec 07 \| INFY	3%	₹236 Cr	1,511,235
Kotak Mahindra Bank Ltd (Financial Services) Equity, Since 30 Apr 18 \| KOTAKBANK	3%	₹224 Cr	1,053,682
State Bank of India (Financial Services) Equity, Since 31 Oct 20 \| SBIN	2%	₹195 Cr	1,996,482
Banknifty_(30/12/2025) - \| -	2%	-₹190 Cr	31,570 ↑ 31,570
Nifty_(30/12/2025) - \| -	2%	-₹186 Cr	70,575 ↑ 70,575
7.18% Govt Stock 2037 Sovereign Bonds \| -	2%	₹185 Cr	18,000,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Jan 18 \| AXISBANK	2%	₹177 Cr	1,381,125

4. Aditya Birla Sun Life Arbitrage Fund

(Erstwhile Aditya Birla Sun Life Enhanced Arbitrage Fund)

An Open ended Equity Scheme with an investment objective to generate income by investing predominantly in equity and equity related instruments. Scheme intends to take advantage from the price differentials / mis-pricing prevailing for stock / index in various market segments (Cash & Futures).

Research Highlights for Aditya Birla Sun Life Arbitrage Fund

Highest AUM (₹25,267 Cr).
Established history (16+ yrs).
Rating: 3★ (bottom quartile).
Risk profile: Moderate.
5Y return: 5.79% (bottom quartile).
3Y return: 7.03% (bottom quartile).
1Y return: 6.44% (bottom quartile).
1M return: 0.49% (lower mid).
Alpha: 0.00 (lower mid).
Sharpe: 0.83 (upper mid).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~96%).
High-quality debt (AAA/AA ~100%).
Largest holding Aditya BSL Money Mgr Dir Gr (~10.3%).

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

Aditya Birla Sun Life Arbitrage Fund Growth
Launch Date	24 Jul 09
NAV (24 Dec 25)	₹27.2915 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹25,267 on 30 Nov 25
Category	Hybrid - Arbitrage
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆
Risk	Moderate
Expense Ratio	1.01
Sharpe Ratio	0.83
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	0-30 Days (0.5%),30 Days and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹10,413
30 Nov 22	₹10,784
30 Nov 23	₹11,556
30 Nov 24	₹12,423
30 Nov 25	₹13,229

Aditya Birla Sun Life Arbitrage Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹349,120.
Net Profit of ₹49,120 Invest Now

Returns for Aditya Birla Sun Life Arbitrage Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 24 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	2.9%
1 Year	6.4%
3 Year	7%
5 Year	5.8%
10 Year
15 Year
Since launch	6.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	7.5%
2023	7.1%
2022	4.1%
2021	3.8%
2020	4.1%
2019	6.2%
2018	6%
2017	5.6%
2016	6.5%
2015	7.6%

Fund Manager information for Aditya Birla Sun Life Arbitrage Fund

Name	Since	Tenure
Lovelish Solanki	15 Dec 14	10.97 Yr.
Mohit Sharma	3 Mar 25	0.75 Yr.
Krina Mehta	2 Oct 25	0.16 Yr.

Data below for Aditya Birla Sun Life Arbitrage Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	95.67%
Debt	5.21%
Other	0.04%

Equity Sector Allocation

Sector	Value
Financial Services	27.83%
Basic Materials	8.97%
Consumer Cyclical	8.72%
Energy	6.52%
Industrials	6.49%
Consumer Defensive	4.75%
Health Care	4.01%
Communication Services	3.82%
Technology	3.46%
Utility	2.89%
Real Estate	1.32%

Debt Sector Allocation

Sector	Value
Cash Equivalent	91.89%
Corporate	6.79%
Government	2.21%

Credit Quality

Rating	Value
AA	14.07%
AAA	85.93%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Aditya BSL Money Mgr Dir Gr Investment Fund \| -	10%	₹2,598 Cr	67,406,765
Reliance Industries Ltd (Energy) Equity, Since 30 Jun 18 \| RELIANCE	5%	₹1,231 Cr	7,854,000 ↑ 99,500
Reliance_(30/12/2025) Derivatives \| -	5%	-₹1,209 Cr	7,668,000 ↑ 7,531,500
Hdfcbank_(30/12/2025) Derivatives \| -	4%	-₹1,073 Cr	10,589,150 ↑ 10,589,150
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 21 \| HDFCBANK	4%	₹1,069 Cr	10,604,550 ↑ 1,119,250
Aditya BSL FRF Dir Gr Investment Fund \| -	4%	₹1,037 Cr	28,135,768 ↓ -3,500,000
Future on ICICI Bank Ltd Derivatives \| -	3%	-₹872 Cr	6,246,100 ↑ 51,800
ICICI Bank Ltd (Financial Services) Equity, Since 31 May 24 \| ICICIBANK	3%	₹867 Cr	6,246,100 ↑ 51,800
Future on Axis Bank Ltd Derivatives \| -	3%	-₹733 Cr	5,694,375 ↑ 215,000
Axis Bank Ltd (Financial Services) Equity, Since 30 Sep 23 \| AXISBANK	3%	₹729 Cr	5,694,375 ↑ 215,000

5. Aditya Birla Sun Life Equity Savings Fund

To provide capital appreciation and income distribution to the investors by using a blend of equity derivatives strategies, arbitrage opportunities and pure equity investments. The Scheme does not guarantee/indicate any returns. There can be no assurance that the schemes’ objectives will be achieved.

Research Highlights for Aditya Birla Sun Life Equity Savings Fund

Bottom quartile AUM (₹974 Cr).
Established history (11+ yrs).
Not Rated.
Risk profile: Moderately High.
5Y return: 8.10% (bottom quartile).
3Y return: 9.90% (lower mid).
1Y return: 8.82% (upper mid).
1M return: 0.48% (bottom quartile).
Alpha: 0.00 (bottom quartile).
Sharpe: 1.00 (top quartile).
Information ratio: 0.00 (bottom quartile).
Top sector: Financial Services.
Higher exposure to Cash Equivalent (bond sector) vs peer median.
Conservative stance with elevated cash (~65%).
High-quality debt (AAA/AA ~100%).
Largest holding HDFC Bank Ltd (~7.3%).

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

Aditya Birla Sun Life Equity Savings Fund Growth
Launch Date	28 Nov 14
NAV (24 Dec 25)	₹22.82 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹974 on 30 Nov 25
Category	Hybrid - Equity Savings
AMC	Birla Sun Life Asset Management Co Ltd
Rating	Not Rated
Risk	Moderately High
Expense Ratio	1.12
Sharpe Ratio	1
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)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹11,569
30 Nov 22	₹11,615
30 Nov 23	₹12,568
30 Nov 24	₹13,839
30 Nov 25	₹15,069

Aditya Birla Sun Life Equity Savings Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹376,357.
Net Profit of ₹76,357 Invest Now

Returns for Aditya Birla Sun Life Equity 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 24 Dec 25

Duration	Returns
1 Month	0.5%
3 Month	2.3%
6 Month	4.2%
1 Year	8.8%
3 Year	9.9%
5 Year	8.1%
10 Year
15 Year
Since launch	7.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	8.2%
2023	11.6%
2022	-1%
2021	12.8%
2020	11%
2019	7.8%
2018	-1.7%
2017	17.3%
2016	7.6%
2015	3.8%

Fund Manager information for Aditya Birla Sun Life Equity Savings Fund

Name	Since	Tenure
Atul Penkar	31 Oct 24	1.08 Yr.
Lovelish Solanki	27 Sep 24	1.18 Yr.
Harshil Suvarnkar	22 Mar 21	4.7 Yr.

Data below for Aditya Birla Sun Life Equity Savings Fund as on 30 Nov 25

Asset Allocation

Asset Class	Value
Cash	64.9%
Equity	22.41%
Debt	11.42%
Other	1.26%

Equity Sector Allocation

Sector	Value
Financial Services	29.37%
Industrials	10.31%
Energy	6.62%
Technology	6.21%
Consumer Cyclical	5.08%
Communication Services	3.24%
Consumer Defensive	3.15%
Real Estate	2.88%
Utility	2.1%
Basic Materials	1.75%
Health Care	1.68%

Debt Sector Allocation

Sector	Value
Cash Equivalent	63.26%
Government	10.18%
Corporate	2.89%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
HDFC Bank Ltd (Financial Services) Equity, Since 31 Dec 14 \| HDFCBANK	7%	₹71 Cr	703,085
ICICI Bank Ltd (Financial Services) Equity, Since 31 Oct 18 \| ICICIBANK	6%	₹54 Cr	386,563
Reliance Industries Ltd (Energy) Equity, Since 31 May 20 \| RELIANCE	5%	₹51 Cr	326,573
Hdfcbank_(30/12/2025) Derivatives \| -	5%	-₹50 Cr	489,500 ↑ 489,500
Aditya BSL Money Mgr Dir Gr Investment Fund \| -	4%	₹40 Cr	1,046,731
Future on RBL Bank Ltd Derivatives \| -	4%	-₹40 Cr	1,285,875
RBL Bank Ltd (Financial Services) Equity, Since 31 Aug 25 \| RBLBANK	4%	₹40 Cr	1,285,875
Future on ICICI Bank Ltd Derivatives \| -	4%	-₹40 Cr	287,000
Reliance_(30/12/2025) Derivatives \| -	4%	-₹36 Cr	231,500 ↑ 231,500
Future on GMR Airports Ltd Derivatives \| -	3%	-₹32 Cr	2,957,400

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