ਆਦਿਤਿਆ ਬਿਰਲਾ ਸਨ ਲਾਈਫ ਮਿਉਚੁਅਲ ਫੰਡ 2022 ਦੁਆਰਾ 4 ਸਭ ਤੋਂ ਵਧੀਆ ਕਰਜ਼ਾ ਫੰਡ

Updated on November 25, 2025 , 20327 views

ਨਿਵੇਸ਼ਕ ਜੋ ਆਪਣੇ ਪੈਸੇ ਨੂੰ ਸੁਰੱਖਿਅਤ ਰੱਖਣਾ ਚਾਹੁੰਦੇ ਹਨ, ਕਰਜ਼ਾ ਫੰਡ ਦੁਆਰਾਬਿਰਲਾ ਸਨ ਲਾਈਫ ਮਿਉਚੁਅਲ ਫੰਡ ਤੁਹਾਡੇ ਲਈ ਸਭ ਤੋਂ ਵਧੀਆ ਹੈ। ਇਹ ਫੰਡ ਵੀ ਉੱਚ ਪ੍ਰਦਾਨ ਕਰਦੇ ਹਨਤਰਲਤਾ ਟੈਕਸ-ਕੁਸ਼ਲ ਰਿਟਰਨ ਦੇ ਨਾਲ. ਕਰਜ਼ਾ ਫੰਡ ਕਰਜ਼ੇ ਦੇ ਨਿਵੇਸ਼ਾਂ ਦੇ ਮਿਸ਼ਰਣ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਜਿਵੇਂ ਕਿ ਸਰਕਾਰੀ ਪ੍ਰਤੀਭੂਤੀਆਂ (G-Secs), ਖਜ਼ਾਨਾ ਬਿੱਲ,ਪੈਸੇ ਦੀ ਮਾਰਕੀਟ ਯੰਤਰ, ਆਦਿ। ਇਹ ਫੰਡ ਵੱਖ-ਵੱਖ ਪਰਿਪੱਕਤਾਵਾਂ ਦੀਆਂ ਕਰਜ਼ਾ ਪ੍ਰਤੀਭੂਤੀਆਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ ਜਿਸ ਵਿੱਚ ਹਰੇਕ ਸੁਰੱਖਿਆ ਦੀ ਇੱਕ ਨਿਸ਼ਚਿਤ ਪਰਿਪੱਕਤਾ ਮਿਤੀ ਅਤੇ ਵਿਆਜ ਦਰ ਹੁੰਦੀ ਹੈ। ਇਸ ਤਰ੍ਹਾਂ, ਰਿਣ ਫੰਡਾਂ ਦੀ ਤੁਲਨਾ ਵਿੱਚ ਘੱਟ ਜੋਖਮ ਨਿਵੇਸ਼ਇਕੁਇਟੀ ਫੰਡ.

ਬਿਰਲਾ ਸਨ ਲਾਈਫਮਿਉਚੁਅਲ ਫੰਡ ਵਰਗੇ ਯੰਤਰਾਂ ਵਿੱਚ ਆਮ ਤੌਰ 'ਤੇ ਨਿਵੇਸ਼ ਕਰਦਾ ਹੈਬਾਂਡ ਨਾਮਵਰ ਭਾਰਤੀ ਕੰਪਨੀਆਂ ਅਤੇ ਭਾਰਤ ਸਰਕਾਰ ਦੁਆਰਾ ਜਾਰੀ ਪ੍ਰਤੀਭੂਤੀਆਂ, ਜੋ ਮੁਕਾਬਲਤਨ ਸੁਰੱਖਿਅਤ ਮੰਨੀਆਂ ਜਾਂਦੀਆਂ ਹਨ।

ਇਸ ਤਰ੍ਹਾਂ ਨਿਵੇਸ਼ਕ ਜੋ ਨਿਯਮਤ ਕਮਾਈ ਕਰਨਾ ਚਾਹੁੰਦੇ ਹਨਆਮਦਨ ਇਹਨਾਂ ਸੂਚੀਬੱਧ ਸਿਖਰ 4 ਵਿੱਚ ਆਦਰਸ਼ ਰੂਪ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰ ਸਕਦੇ ਹਨਵਧੀਆ ਕਰਜ਼ਾ ਫੰਡ ਬਿਰਲਾ ਸਨ ਲਾਈਫ ਮਿਉਚੁਅਲ ਫੰਡ ਦੁਆਰਾ। ਇਹਨਾਂ ਫੰਡਾਂ ਨੂੰ ਕੁਝ ਮਾਪਦੰਡ ਜਿਵੇਂ ਕਿ ਏ.ਯੂ.ਐਮ.ਨਹੀ ਹਨ, ਪਿਛਲੇ ਰਿਟਰਨ, ਪੋਰਟਫੋਲੀਓ ਦੀ ਕ੍ਰੈਡਿਟ ਗੁਣਵੱਤਾ, ਔਸਤ ਪਰਿਪੱਕਤਾ, ਆਦਿ।

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ਏਬੀਐਸਐਲ ਰਿਣ ਫੰਡਾਂ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਿਉਂ ਕਰੀਏ?

ਨਿਵੇਸ਼ਕ ਜੋ ਛੋਟੀ ਮਿਆਦ ਨੂੰ ਪ੍ਰਾਪਤ ਕਰਨ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਹਨਵਿੱਤੀ ਟੀਚੇ, ਤਾਂ ਕਰਜ਼ਾ ਫੰਡ ਇੱਕ ਚੰਗਾ ਵਿਕਲਪ ਹੋ ਸਕਦਾ ਹੈ। ਸਿਫ਼ਾਰਿਸ਼ ਕੀਤੀਕਰਜ਼ਾ ਫੰਡ ਇਸ ਯੋਜਨਾ ਲਈ ਯੰਤਰ ਥੋੜ੍ਹੇ ਸਮੇਂ ਲਈ, ਅਤਿ-ਛੋਟੀ ਮਿਆਦ ਦੇ ਕਰਜ਼ੇ ਫੰਡ ਜਾਂਤਰਲ ਫੰਡ. ਇੱਕ ਛੋਟੀ ਮਿਆਦ ਦੇ ਨਿਵੇਸ਼ ਵਿੱਚ, ਤੁਹਾਨੂੰ ਸੁਰੱਖਿਆ ਅਤੇ ਤਰਲਤਾ ਨੂੰ ਯਕੀਨੀ ਬਣਾਉਣ ਦੀ ਲੋੜ ਹੁੰਦੀ ਹੈ ਜੋ ਕਿ ਕਰਜ਼ੇ ਫੰਡਾਂ ਦੁਆਰਾ ਚੰਗੀ ਤਰ੍ਹਾਂ ਪੇਸ਼ ਕੀਤੀ ਜਾਂਦੀ ਹੈ।
ਕਿਉਂਕਿ, ਰਿਣ ਫੰਡ ਵੱਡੇ ਪੱਧਰ 'ਤੇ ਸਰਕਾਰੀ ਪ੍ਰਤੀਭੂਤੀਆਂ, ਕਾਰਪੋਰੇਟ ਕਰਜ਼ੇ ਅਤੇ ਹੋਰ ਪ੍ਰਤੀਭੂਤੀਆਂ ਜਿਵੇਂ ਕਿ ਖਜ਼ਾਨਾ ਬਿੱਲਾਂ ਆਦਿ ਵਿੱਚ ਨਿਵੇਸ਼ ਕਰਦੇ ਹਨ, ਉਹ ਇਕੁਇਟੀ ਦੁਆਰਾ ਪ੍ਰਭਾਵਿਤ ਨਹੀਂ ਹੁੰਦੇ ਹਨ।ਬਜ਼ਾਰ ਅਸਥਿਰਤਾ
ਤੋਂ ਨਿਵੇਸ਼ਕ ਬਿਹਤਰ ਰਿਟਰਨ ਕਮਾ ਸਕਦੇ ਹਨਬੈਂਕ ਬਚਤ ਖਾਤਾ ਵਿੱਚਤਰਲ ਫੰਡ. ਜੇਕਰ ਤੁਸੀਂ ਥੋੜ੍ਹੇ ਸਮੇਂ ਵਿੱਚ ਵਧੀਆ ਰਿਟਰਨ ਕਮਾਉਣਾ ਚਾਹੁੰਦੇ ਹੋ ਤਾਂ ਇਹ ਫੰਡ ਬਹੁਤ ਜ਼ਿਆਦਾ ਸਿਫ਼ਾਰਸ਼ਯੋਗ ਹਨ।
ਕਰਜ਼ਾ ਫੰਡਾਂ ਨੂੰ ਨਿਯਮਤ ਆਮਦਨ ਪੈਦਾ ਕਰਨ ਲਈ ਇੱਕ ਆਦਰਸ਼ ਨਿਵੇਸ਼ ਮੰਨਿਆ ਜਾਂਦਾ ਹੈ। ਉਦਾਹਰਨ ਲਈ, ਲਾਭਅੰਸ਼ ਭੁਗਤਾਨ ਦੀ ਚੋਣ ਕਰਨਾ ਨਿਯਮਤ ਆਮਦਨ ਲਈ ਇੱਕ ਵਿਕਲਪ ਹੋ ਸਕਦਾ ਹੈ।

ਸਰਬੋਤਮ ਆਦਿਤਿਆ ਬਿਰਲਾ ਸਨ ਲਾਈਫ ਰਿਣ ਮਿਉਚੁਅਲ ਫੰਡ

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 Corporate Bond Fund Growth	₹115.946 ↓ -0.02	₹30,132	2.3	2.3	8.1	7.9	8.5	7.13%	4Y 10M 13D	7Y 7M 2D
Aditya Birla Sun Life Savings Fund Growth	₹563.59 ↑ 0.11	₹22,389	1.6	3.4	7.6	7.5	7.9	6.81%	5M 19D	6M 22D
Aditya Birla Sun Life Money Manager Fund Growth	₹380.22 ↑ 0.07	₹29,882	1.5	3.3	7.5	7.6	7.8	6.37%	5M 16D	5M 16D
Aditya Birla Sun Life Medium Term Plan Growth	₹41.1703 ↓ -0.01	₹2,807	2.5	3.4	11.6	9.6	10.5	7.63%	3Y 8M 23D	5Y 29D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 27 Nov 25

Research Highlights & Commentary of 4 Funds showcased

Commentary	Aditya Birla Sun Life Corporate Bond Fund	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Money Manager Fund	Aditya Birla Sun Life Medium Term Plan
Point 1	Highest AUM (₹30,132 Cr).	Lower mid AUM (₹22,389 Cr).	Upper mid AUM (₹29,882 Cr).	Bottom quartile AUM (₹2,807 Cr).
Point 2	Oldest track record among peers (28 yrs).	Established history (22+ yrs).	Established history (20+ 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: 8.07% (upper mid).	1Y return: 7.64% (lower mid).	1Y return: 7.54% (bottom quartile).	1Y return: 11.58% (top quartile).
Point 6	1M return: 0.67% (upper mid).	1M return: 0.57% (lower mid).	1M return: 0.53% (bottom quartile).	1M return: 0.71% (top quartile).
Point 7	Sharpe: 0.79 (bottom quartile).	Sharpe: 3.40 (top quartile).	Sharpe: 2.97 (upper mid).	Sharpe: 2.04 (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): 7.13% (upper mid).	Yield to maturity (debt): 6.81% (lower mid).	Yield to maturity (debt): 6.37% (bottom quartile).	Yield to maturity (debt): 7.63% (top quartile).
Point 10	Modified duration: 4.87 yrs (bottom quartile).	Modified duration: 0.47 yrs (upper mid).	Modified duration: 0.46 yrs (top quartile).	Modified duration: 3.73 yrs (lower mid).

Aditya Birla Sun Life Corporate Bond Fund

Highest AUM (₹30,132 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.07% (upper mid).
1M return: 0.67% (upper mid).
Sharpe: 0.79 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 4.87 yrs (bottom quartile).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹22,389 Cr).
Established history (22+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.64% (lower mid).
1M return: 0.57% (lower mid).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 0.47 yrs (upper mid).

Aditya Birla Sun Life Money Manager Fund

Upper mid AUM (₹29,882 Cr).
Established history (20+ yrs).
Rating: 5★ (lower mid).
Risk profile: Low.
1Y return: 7.54% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 2.97 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.46 yrs (top quartile).

Aditya Birla Sun Life Medium Term Plan

Bottom quartile AUM (₹2,807 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 11.58% (top quartile).
1M return: 0.71% (top quartile).
Sharpe: 2.04 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.63% (top quartile).
Modified duration: 3.73 yrs (lower mid).

1. 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

Highest AUM (₹30,132 Cr).
Oldest track record among peers (28 yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 8.07% (upper mid).
1M return: 0.67% (upper mid).
Sharpe: 0.79 (bottom quartile).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.13% (upper mid).
Modified duration: 4.87 yrs (bottom quartile).
Average maturity: 7.59 yrs (bottom quartile).
Exit load: NIL.

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 (27 Nov 25)	₹115.946 ↓ -0.02 (-0.02 %)
Net Assets (Cr)	₹30,132 on 31 Oct 25
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	0.79
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.13%
Effective Maturity	7 Years 7 Months 2 Days
Modified Duration	4 Years 10 Months 13 Days
Sub Cat.	Corporate Bond

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,476
31 Oct 22	₹10,837
31 Oct 23	₹11,598
31 Oct 24	₹12,632
31 Oct 25	₹13,618

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 27 Nov 25

Duration	Returns
1 Month	0.7%
3 Month	2.3%
6 Month	2.3%
1 Year	8.1%
3 Year	7.9%
5 Year	6.3%
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	4.56 Yr.

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

Asset Allocation

Asset Class	Value
Cash	4.28%
Debt	95.46%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	54.85%
Government	39.57%
Cash Equivalent	4.28%
Securitized	1.04%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.92% Govt Stock 2039 Sovereign Bonds \| -	9%	₹2,699 Cr	269,236,200 ↓ -2,500,000
6.79% Govt Stock 2034 Sovereign Bonds \| -	8%	₹2,296 Cr	226,500,000
6.68% Govt Stock 2040 Sovereign Bonds \| -	4%	₹1,304 Cr	133,000,000 ↑ 19,500,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹1,154 Cr	113,500 ↑ 5,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹719 Cr	72,500,000 ↑ 10,500,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	2%	₹715 Cr	69,161,700 ↓ -1,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹594 Cr	59,000
Rec Limited Debentures \| -	2%	₹586 Cr	60,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹566 Cr	55,000
Bharti Telecom Limited Debentures \| -	2%	₹510 Cr	50,900 ↑ 10,000

2. 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 (₹22,389 Cr).
Established history (22+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 7.64% (lower mid).
1M return: 0.57% (lower mid).
Sharpe: 3.40 (top quartile).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 6.81% (lower mid).
Modified duration: 0.47 yrs (upper mid).
Average maturity: 0.56 yrs (upper mid).
Exit load: NIL.

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 (27 Nov 25)	₹563.59 ↑ 0.11 (0.02 %)
Net Assets (Cr)	₹22,389 on 31 Oct 25
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	3.4
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.81%
Effective Maturity	6 Months 22 Days
Modified Duration	5 Months 19 Days
Sub Cat.	Ultrashort Bond

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,401
31 Oct 22	₹10,849
31 Oct 23	₹11,626
31 Oct 24	₹12,522
31 Oct 25	₹13,485

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 27 Nov 25

Duration	Returns
1 Month	0.6%
3 Month	1.6%
6 Month	3.4%
1 Year	7.6%
3 Year	7.5%
5 Year	6.2%
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	11.38 Yr.
Kaustubh Gupta	15 Jul 11	14.31 Yr.
Monika Gandhi	22 Mar 21	4.62 Yr.

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

Asset Allocation

Asset Class	Value
Cash	49.2%
Debt	50.56%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	47.85%
Cash Equivalent	39.2%
Government	12.71%

Credit Quality

Rating	Value
AA	28.73%
AAA	71.27%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Shriram Finance Limited Debentures \| -	3%	₹614 Cr	60,000
Nirma Limited Debentures \| -	2%	₹487 Cr	48,500
07.22 GJ Sdl 2028 Sovereign Bonds \| -	2%	₹376 Cr	37,500,000
Muthoot Finance Limited Debentures \| -	2%	₹352 Cr	35,000 ↑ 10,000
Mankind Pharma Limited Debentures \| -	1%	₹348 Cr	34,500
Bank of Baroda Debentures \| -	1%	₹344 Cr	7,000
National Bank For Agriculture And Rural Development Debentures \| -	1%	₹341 Cr	3,400
Avanse Financial Services Limited Debentures \| -	1%	₹301 Cr	30,000
Power Finance Corporation Limited Debentures \| -	1%	₹298 Cr	30,000
ICICI Home Finance Company Limited Debentures \| -	1%	₹272 Cr	27,000

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

Upper mid AUM (₹29,882 Cr).
Established history (20+ yrs).
Rating: 5★ (lower mid).
Risk profile: Low.
1Y return: 7.54% (bottom quartile).
1M return: 0.53% (bottom quartile).
Sharpe: 2.97 (upper mid).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 6.37% (bottom quartile).
Modified duration: 0.46 yrs (top quartile).
Average maturity: 0.46 yrs (top quartile).
Exit load: NIL.

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 (27 Nov 25)	₹380.22 ↑ 0.07 (0.02 %)
Net Assets (Cr)	₹29,882 on 31 Oct 25
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	2.97
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	6.37%
Effective Maturity	5 Months 16 Days
Modified Duration	5 Months 16 Days
Sub Cat.	Money Market

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹10,379
31 Oct 22	₹10,828
31 Oct 23	₹11,637
31 Oct 24	₹12,539
31 Oct 25	₹13,491

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 27 Nov 25

Duration	Returns
1 Month	0.5%
3 Month	1.5%
6 Month	3.3%
1 Year	7.5%
3 Year	7.6%
5 Year	6.2%
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	14.31 Yr.
Anuj Jain	22 Mar 21	4.62 Yr.
Mohit Sharma	1 Apr 17	8.59 Yr.

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

Asset Allocation

Asset Class	Value
Cash	90.08%
Debt	9.69%
Other	0.23%

Debt Sector Allocation

Sector	Value
Cash Equivalent	70.4%
Corporate	19.2%
Government	10.17%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
5.63% Govt Stock 2026 Sovereign Bonds \| -	2%	₹770 Cr	77,000,000 ↑ 500,000
India (Republic of) - \| -	2%	₹493 Cr	50,000,000 ↑ 50,000,000
India (Republic of) - \| -	1%	₹248 Cr	25,000,000
7.59% Govt Stock 2026 Sovereign Bonds \| -	1%	₹241 Cr	24,000,000
364 Days T-Bill - 06nov2026 Sovereign Bonds \| -	1%	₹237 Cr	25,000,000 ↑ 25,000,000
India (Republic of) - \| -	1%	₹222 Cr	22,500,000 ↑ 22,500,000
India (Republic of) - \| -	1%	₹215 Cr	22,500,000 ↑ 22,500,000
Canara Bank Domestic Bonds \| -	1%	₹197 Cr	4,000 ↑ 4,000
Gs CG 12/12/2025 - (Strips) Tb Sovereign Bonds \| -	1%	₹189 Cr	19,009,500
08.16 KA Sdl 2025 Sovereign Bonds \| -	1%	₹180 Cr	18,000,000

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 (₹2,807 Cr).
Established history (16+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 11.58% (top quartile).
1M return: 0.71% (top quartile).
Sharpe: 2.04 (lower mid).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 7.63% (top quartile).
Modified duration: 3.73 yrs (lower mid).
Average maturity: 5.08 yrs (lower mid).
Exit load: 0-365 Days (1%),365 Days and above(NIL).

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 (27 Nov 25)	₹41.1703 ↓ -0.01 (-0.04 %)
Net Assets (Cr)	₹2,807 on 31 Oct 25
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.57
Sharpe Ratio	2.04
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	7.63%
Effective Maturity	5 Years 29 Days
Modified Duration	3 Years 8 Months 23 Days
Sub Cat.	Medium term Bond

Growth of 10,000 investment over the years.

Date	Value
31 Oct 20	₹10,000
31 Oct 21	₹11,053
31 Oct 22	₹13,699
31 Oct 23	₹14,627
31 Oct 24	₹16,233
31 Oct 25	₹18,046

Aditya Birla Sun Life Medium Term Plan SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹215,396.
Net Profit of ₹35,396 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 27 Nov 25

Duration	Returns
1 Month	0.7%
3 Month	2.5%
6 Month	3.4%
1 Year	11.6%
3 Year	9.6%
5 Year	11.9%
10 Year
15 Year
Since launch	8.9%

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	11.18 Yr.
Mohit Sharma	6 Aug 20	5.24 Yr.

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

Asset Allocation

Asset Class	Value
Cash	5.18%
Equity	4.19%
Debt	90.37%
Other	0.26%

Debt Sector Allocation

Sector	Value
Corporate	52.75%
Government	37.63%
Cash Equivalent	5.18%

Credit Quality

Rating	Value
A	6.86%
AA	39.29%
AAA	53.85%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.79% Govt Stock 2034 Sovereign Bonds \| -	12%	₹335 Cr	33,000,000 ↑ 2,000,000
7.1% Govt Stock 2034 Sovereign Bonds \| -	9%	₹245 Cr	23,696,700 ↑ 4,000,000
7.18% Govt Stock 2033 Sovereign Bonds \| -	7%	₹192 Cr	18,500,000
Nuvama Wealth Finance Limited Debentures \| -	3%	₹96 Cr	9,500
GMR Airports Limited Debentures \| -	3%	₹81 Cr	8,000
Jubilant Bevco Limited Debentures \| -	3%	₹79 Cr	7,400
Jtpm Metal TRaders Limited Debentures \| -	3%	₹78 Cr	7,673
Indian Railway Finance Corporation Limited Debentures \| -	3%	₹75 Cr	7,500
Power Grid Corporation Of India Limited Debentures \| -	2%	₹70 Cr	7,000
360 One Prime Limited Debentures \| -	2%	₹66 Cr	6,500

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