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

Updated on July 4, 2026 , 20699 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 Savings Fund Growth	₹584.848 ↑ 0.13	₹19,611	1.9	3.2	6.4	7.3	7.4	7.98%	5M 16D	6M 25D
Aditya Birla Sun Life Money Manager Fund Growth	₹394.873 ↑ 0.15	₹27,550	2	3.3	6.3	7.3	7.4	7.94%	7M 28D	8M 1D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹119.562 ↑ 0.10	₹24,390	3.4	3.2	5.3	7.5	7.4	7.72%	3Y 11M 8D	6Y 6M 29D
Aditya Birla Sun Life Medium Term Plan Growth	₹43.6279 ↑ 0.03	₹3,127	3.4	3.9	8.9	10.1	10.9	8.49%	2Y 10M 6D	3Y 10M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 6 Jul 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 (₹19,611 Cr).	Highest AUM (₹27,550 Cr).	Upper mid AUM (₹24,390 Cr).	Bottom quartile AUM (₹3,127 Cr).
Point 2	Established history (23+ 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: 6.37% (upper mid).	1Y return: 6.30% (lower mid).	1Y return: 5.32% (bottom quartile).	1Y return: 8.92% (top quartile).
Point 6	1M return: 0.92% (bottom quartile).	1M return: 1.05% (lower mid).	1M return: 1.97% (top quartile).	1M return: 1.89% (upper mid).
Point 7	Sharpe: 0.52 (upper mid).	Sharpe: 0.19 (lower mid).	Sharpe: -1.30 (bottom quartile).	Sharpe: 0.70 (top quartile).
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): 7.98% (upper mid).	Yield to maturity (debt): 7.94% (lower mid).	Yield to maturity (debt): 7.72% (bottom quartile).	Yield to maturity (debt): 8.49% (top quartile).
Point 10	Modified duration: 0.46 yrs (top quartile).	Modified duration: 0.66 yrs (upper mid).	Modified duration: 3.94 yrs (bottom quartile).	Modified duration: 2.85 yrs (lower mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹19,611 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.37% (upper mid).
1M return: 0.92% (bottom quartile).
Sharpe: 0.52 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.98% (upper mid).
Modified duration: 0.46 yrs (top quartile).

Aditya Birla Sun Life Money Manager Fund

Highest AUM (₹27,550 Cr).
Established history (20+ yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 6.30% (lower mid).
1M return: 1.05% (lower mid).
Sharpe: 0.19 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.94% (lower mid).
Modified duration: 0.66 yrs (upper mid).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹24,390 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.32% (bottom quartile).
1M return: 1.97% (top quartile).
Sharpe: -1.30 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.72% (bottom quartile).
Modified duration: 3.94 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

Bottom quartile AUM (₹3,127 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.92% (top quartile).
1M return: 1.89% (upper mid).
Sharpe: 0.70 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.49% (top quartile).
Modified duration: 2.85 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 (₹19,611 Cr).
Established history (23+ yrs).
Top rated.
Risk profile: Moderately Low.
1Y return: 6.37% (upper mid).
1M return: 0.92% (bottom quartile).
Sharpe: 0.52 (upper mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.98% (upper mid).
Modified duration: 0.46 yrs (top quartile).
Average maturity: 0.57 yrs (top quartile).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Debt-heavy allocation (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~5.2%).

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 (06 Jul 26)	₹584.848 ↑ 0.13 (0.02 %)
Net Assets (Cr)	₹19,611 on 31 May 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.55
Sharpe Ratio	0.52
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.98%
Effective Maturity	6 Months 25 Days
Modified Duration	5 Months 16 Days
Sub Cat.	Ultrashort Bond

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,384
30 Jun 23	₹11,065
30 Jun 24	₹11,889
30 Jun 25	₹12,852
30 Jun 26	₹13,668

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 6 Jul 26

Duration	Returns
1 Month	0.9%
3 Month	1.9%
6 Month	3.2%
1 Year	6.4%
3 Year	7.3%
5 Year	6.5%
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	12.04 Yr.
Kaustubh Gupta	15 Jul 11	14.97 Yr.
Monika Gandhi	22 Mar 21	5.28 Yr.

Data below for Aditya Birla Sun Life Savings Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	30.43%
Debt	69.22%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	68.02%
Government	17.43%
Cash Equivalent	14.18%

Credit Quality

Rating	Value
AA	29.9%
AAA	70.1%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹987 Cr	100,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹748 Cr	15,800
Shriram Finance Limited Debentures \| -	3%	₹607 Cr	60,000
HDFC Bank Ltd. Debentures \| -	3%	₹540 Cr	11,000
Bharti Telecom Limited Debentures \| -	2%	₹396 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹348 Cr	35,000
Vedanta Limited Debentures \| -	2%	₹329 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹300 Cr	30,000
Power Finance Corporation Limited Debentures \| -	2%	₹297 Cr	30,000

2. 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 (₹27,550 Cr).
Established history (20+ yrs).
Rating: 5★ (upper mid).
Risk profile: Low.
1Y return: 6.30% (lower mid).
1M return: 1.05% (lower mid).
Sharpe: 0.19 (lower mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.94% (lower mid).
Modified duration: 0.66 yrs (upper mid).
Average maturity: 0.67 yrs (upper mid).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~69%).
High-quality debt (AAA/AA ~100%).
Largest holding Indusind Bank Ltd. (~4.9%).

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 (06 Jul 26)	₹394.873 ↑ 0.15 (0.04 %)
Net Assets (Cr)	₹27,550 on 31 May 26
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	0.19
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.94%
Effective Maturity	8 Months 1 Day
Modified Duration	7 Months 28 Days
Sub Cat.	Money Market

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,373
30 Jun 23	₹11,087
30 Jun 24	₹11,925
30 Jun 25	₹12,891
30 Jun 26	₹13,700

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 6 Jul 26

Duration	Returns
1 Month	1%
3 Month	2%
6 Month	3.3%
1 Year	6.3%
3 Year	7.3%
5 Year	6.5%
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	14.97 Yr.
Anuj Jain	22 Mar 21	5.28 Yr.
Mohit Sharma	1 Apr 17	9.25 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	69.19%
Debt	30.52%
Other	0.29%

Debt Sector Allocation

Sector	Value
Corporate	51.26%
Cash Equivalent	33.61%
Government	14.84%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	5%	₹1,383 Cr	29,000
Axis Bank Ltd. Debentures \| -	3%	₹917 Cr	19,000
Federal Bank Ltd. Debentures \| -	3%	₹905 Cr	19,000
Gujarat State Development Loans Sovereign Bonds \| -	3%	₹797 Cr	79,327,600
Karur Vysya Bank Ltd. Debentures \| -	2%	₹475 Cr	10,000
Tbill Sovereign Bonds \| -	1%	₹394 Cr	40,000,000
7.49% Gujarat Sgs 2026 Sovereign Bonds \| -	1%	₹327 Cr	32,500,000
7.43% Gujarat Sgs 2027 Sovereign Bonds \| -	1%	₹247 Cr	24,500,000
Tbill Sovereign Bonds \| -	1%	₹245 Cr	25,000,000
Karur Vysya Bank Ltd. Debentures \| -	1%	₹242 Cr	5,000

3. 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 (₹24,390 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately Low.
1Y return: 5.32% (bottom quartile).
1M return: 1.97% (top quartile).
Sharpe: -1.30 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.72% (bottom quartile).
Modified duration: 3.94 yrs (bottom quartile).
Average maturity: 6.58 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~98%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.68% Govt Stock 2040 (~7.1%).

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 (06 Jul 26)	₹119.562 ↑ 0.10 (0.09 %)
Net Assets (Cr)	₹24,390 on 31 May 26
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.52
Sharpe Ratio	-1.3
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.72%
Effective Maturity	6 Years 6 Months 29 Days
Modified Duration	3 Years 11 Months 8 Days
Sub Cat.	Corporate Bond

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,290
30 Jun 23	₹11,041
30 Jun 24	₹11,880
30 Jun 25	₹12,986
30 Jun 26	₹13,675

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 6 Jul 26

Duration	Returns
1 Month	2%
3 Month	3.4%
6 Month	3.2%
1 Year	5.3%
3 Year	7.5%
5 Year	6.5%
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	5.22 Yr.

Data below for Aditya Birla Sun Life Corporate Bond Fund as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	1.49%
Debt	98.15%
Other	0.36%

Debt Sector Allocation

Sector	Value
Corporate	57.06%
Government	41.29%
Cash Equivalent	1.29%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	7%	₹1,690 Cr	177,000,000 ↑ 5,500,000
National Bank For Agriculture And Rural Development Debentures \| -	6%	₹1,323 Cr	132,000
6.48% Govt Stock 2035 Sovereign Bonds \| -	5%	₹1,255 Cr	129,035,600 ↓ -27,500,000
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹580 Cr	59,000
Bharti Telecom Limited Debentures \| -	2%	₹574 Cr	58,000
7.34% Govt Stock 2064 Sovereign Bonds \| -	2%	₹563 Cr	58,500,000 ↓ -2,500,000
6.94% Govt Stock 2036 Sovereign Bonds \| -	2%	₹541 Cr	53,792,300 ↑ 53,792,300
Bharti Telecom Limited Debentures \| -	2%	₹505 Cr	50,900
Bajaj Housing Finance Limited Debentures \| -	2%	₹496 Cr	50,000
6.9% Govt Stock 2065 Sovereign Bonds \| -	2%	₹483 Cr	53,072,800 ↓ -3,500,000

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 (₹3,127 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 8.92% (top quartile).
1M return: 1.89% (upper mid).
Sharpe: 0.70 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.49% (top quartile).
Modified duration: 2.85 yrs (lower mid).
Average maturity: 3.86 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 (~92%).
High-quality debt (AAA/AA ~84%).
Largest holding 6.68% Govt Stock 2040 (~10.2%).

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 (06 Jul 26)	₹43.6279 ↑ 0.03 (0.07 %)
Net Assets (Cr)	₹3,127 on 31 May 26
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.57
Sharpe Ratio	0.7
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	8.49%
Effective Maturity	3 Years 10 Months 10 Days
Modified Duration	2 Years 10 Months 6 Days
Sub Cat.	Medium term Bond

Growth of 10,000 investment over the years.

Date	Value
30 Jun 21	₹10,000
30 Jun 22	₹10,728
30 Jun 23	₹13,320
30 Jun 24	₹14,287
30 Jun 25	₹16,274
30 Jun 26	₹17,721

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 6 Jul 26

Duration	Returns
1 Month	1.9%
3 Month	3.4%
6 Month	3.9%
1 Year	8.9%
3 Year	10.1%
5 Year	12.2%
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	11.84 Yr.
Mohit Sharma	6 Aug 20	5.9 Yr.

Data below for Aditya Birla Sun Life Medium Term Plan as on 31 May 26

Asset Allocation

Asset Class	Value
Cash	3.21%
Equity	4.11%
Debt	92.19%
Other	0.49%

Debt Sector Allocation

Sector	Value
Corporate	61.81%
Government	30.38%
Cash Equivalent	3.21%

Credit Quality

Rating	Value
A	15.51%
AA	39.42%
AAA	45.06%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.68% Govt Stock 2040 Sovereign Bonds \| -	10%	₹325 Cr	34,000,000 ↑ 27,500,000
Bajaj Housing Finance Limited Debentures \| -	5%	₹153 Cr	15,000 ↑ 15,000
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹125 Cr	12,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹113 Cr	11,500
Hinduja Leyland Finance Limited Debentures \| -	3%	₹109 Cr	11,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹100 Cr	10,000 ↑ 10,000
Oxyzo Financial Services Limited Debentures \| -	3%	₹89 Cr	9,000
GMR Airports Limited Debentures \| -	3%	₹84 Cr	8,000
Jtpm Metal TRaders Limited Debentures \| -	3%	₹82 Cr	7,673
Jubilant Bevco Limited Debentures \| -	3%	₹82 Cr	7,400

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