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

Updated on September 27, 2026 , 20849 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 (%)	2025 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Money Manager Fund Growth	₹400.441 ↓ 0.00	₹30,839	1.7	3.7	6.4	7.3	7.4	7.02%	5M 23D	5M 26D
Aditya Birla Sun Life Savings Fund Growth	₹592.635 ↑ 0.06	₹18,819	1.6	3.5	6.3	7.2	7.4	7.42%	5M 19D	7M 13D
Aditya Birla Sun Life Corporate Bond Fund Growth	₹119.139 ↑ 0.04	₹22,636	0.1	2.9	4.2	6.8	7.4	7.49%	4Y 4M 6D	7Y 6M 14D
Aditya Birla Sun Life Medium Term Plan Growth	₹43.748 ↑ 0.02	₹3,319	0.7	3.9	7.9	9.7	10.9	8.09%	2Y 11M 12D	4Y 4M 10D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 29 Sep 26

Research Highlights & Commentary of 4 Funds showcased

Commentary	Aditya Birla Sun Life Money Manager Fund	Aditya Birla Sun Life Savings Fund	Aditya Birla Sun Life Corporate Bond Fund	Aditya Birla Sun Life Medium Term Plan
Point 1	Highest AUM (₹30,839 Cr).	Lower mid AUM (₹18,819 Cr).	Upper mid AUM (₹22,636 Cr).	Bottom quartile AUM (₹3,319 Cr).
Point 2	Established history (20+ yrs).	Established history (23+ 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: Low.	Risk profile: Moderately Low.	Risk profile: Moderately Low.	Risk profile: Moderate.
Point 5	1Y return: 6.39% (upper mid).	1Y return: 6.31% (lower mid).	1Y return: 4.24% (bottom quartile).	1Y return: 7.94% (top quartile).
Point 6	1M return: 0.52% (top quartile).	1M return: 0.51% (upper mid).	1M return: -0.24% (bottom quartile).	1M return: 0.03% (lower mid).
Point 7	Sharpe: 0.87 (lower mid).	Sharpe: 1.00 (upper mid).	Sharpe: -0.12 (bottom quartile).	Sharpe: 1.28 (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): 7.02% (bottom quartile).	Yield to maturity (debt): 7.42% (lower mid).	Yield to maturity (debt): 7.49% (upper mid).	Yield to maturity (debt): 8.09% (top quartile).
Point 10	Modified duration: 0.48 yrs (upper mid).	Modified duration: 0.47 yrs (top quartile).	Modified duration: 4.35 yrs (bottom quartile).	Modified duration: 2.95 yrs (lower mid).

Aditya Birla Sun Life Money Manager Fund

Highest AUM (₹30,839 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.39% (upper mid).
1M return: 0.52% (top quartile).
Sharpe: 0.87 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.02% (bottom quartile).
Modified duration: 0.48 yrs (upper mid).

Aditya Birla Sun Life Savings Fund

Lower mid AUM (₹18,819 Cr).
Established history (23+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.31% (lower mid).
1M return: 0.51% (upper mid).
Sharpe: 1.00 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.42% (lower mid).
Modified duration: 0.47 yrs (top quartile).

Aditya Birla Sun Life Corporate Bond Fund

Upper mid AUM (₹22,636 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately Low.
1Y return: 4.24% (bottom quartile).
1M return: -0.24% (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.49% (upper mid).
Modified duration: 4.35 yrs (bottom quartile).

Aditya Birla Sun Life Medium Term Plan

Bottom quartile AUM (₹3,319 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.94% (top quartile).
1M return: 0.03% (lower mid).
Sharpe: 1.28 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.09% (top quartile).
Modified duration: 2.95 yrs (lower mid).

1. 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 (₹30,839 Cr).
Established history (20+ yrs).
Top rated.
Risk profile: Low.
1Y return: 6.39% (upper mid).
1M return: 0.52% (top quartile).
Sharpe: 0.87 (lower mid).
Information ratio: 0.00 (top quartile).
Yield to maturity (debt): 7.02% (bottom quartile).
Modified duration: 0.48 yrs (upper mid).
Average maturity: 0.49 yrs (top quartile).
Exit load: NIL.
Higher exposure to Financial Services vs peer median.
Top bond sector: Corporate.
Conservative stance with elevated cash (~70%).
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 (29 Sep 26)	₹400.441 ↓ 0.00 (0.00 %)
Net Assets (Cr)	₹30,839 on 15 Aug 26
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.36
Sharpe Ratio	0.87
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	5 Months 26 Days
Modified Duration	5 Months 23 Days
Sub Cat.	Money Market

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,406
30 Sep 23	₹11,170
30 Sep 24	₹12,033
30 Sep 25	₹12,961

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 29 Sep 26

Duration	Returns
1 Month	0.5%
3 Month	1.7%
6 Month	3.7%
1 Year	6.4%
3 Year	7.3%
5 Year	6.6%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
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%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	15.14 Yr.
Anuj Jain	22 Mar 21	5.45 Yr.
Mohit Sharma	1 Apr 17	9.42 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 15 Aug 26

Asset Allocation

Asset Class	Value
Cash	70.3%
Debt	29.7%

Debt Sector Allocation

Sector	Value
Corporate	57.75%
Cash Equivalent	27.38%
Government	14.86%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Indusind Bank Ltd. Debentures \| -	5%	₹1,414 Cr	29,000
The Jammu And Kashmir Bank Limited Debentures \| -	3%	₹969 Cr	20,000
Axis Bank Ltd. Debentures \| -	3%	₹935 Cr	19,000
Federal Bank Ltd. Debentures \| -	3%	₹923 Cr	19,000
Gujarat State Development Loans Sovereign Bonds \| -	3%	₹796 Cr	79,327,600
India (Republic of) - \| -	2%	₹498 Cr	50,000,000
Karur Vysya Bank Ltd. Debentures \| -	2%	₹485 Cr	10,000
The Jammu And Kashmir Bank Limited Debentures \| -	2%	₹484 Cr	10,000
Tbill Sovereign Bonds \| -	1%	₹399 Cr	40,000,000
India (Republic of) - \| -	1%	₹347 Cr	35,000,000 ↑ 35,000,000

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 (₹18,819 Cr).
Established history (23+ yrs).
Rating: 5★ (upper mid).
Risk profile: Moderately Low.
1Y return: 6.31% (lower mid).
1M return: 0.51% (upper mid).
Sharpe: 1.00 (upper mid).
Information ratio: 0.00 (upper mid).
Yield to maturity (debt): 7.42% (lower mid).
Modified duration: 0.47 yrs (top quartile).
Average maturity: 0.62 yrs (upper mid).
Exit load: NIL.
Top sector: Financial Services.
Higher exposure to Corporate (bond sector) vs peer median.
Conservative stance with elevated cash (~40%).
High-quality debt (AAA/AA ~100%).
Largest holding India (Republic of) (~4.7%).

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 (29 Sep 26)	₹592.635 ↑ 0.06 (0.01 %)
Net Assets (Cr)	₹18,819 on 31 Aug 26
Category	Debt - Ultrashort Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.57
Sharpe Ratio	1
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.42%
Effective Maturity	7 Months 13 Days
Modified Duration	5 Months 19 Days
Sub Cat.	Ultrashort Bond

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,404
30 Sep 23	₹11,140
30 Sep 24	₹11,981
30 Sep 25	₹12,919

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 29 Sep 26

Duration	Returns
1 Month	0.5%
3 Month	1.6%
6 Month	3.5%
1 Year	6.3%
3 Year	7.2%
5 Year	6.5%
10 Year
15 Year
Since launch	7.4%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
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%

Fund Manager information for Aditya Birla Sun Life Savings Fund

Name	Since	Tenure
Sunaina Cunha	20 Jun 14	12.21 Yr.
Kaustubh Gupta	15 Jul 11	15.14 Yr.
Monika Gandhi	22 Mar 21	5.45 Yr.

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

Asset Allocation

Asset Class	Value
Cash	39.91%
Debt	60.09%

Debt Sector Allocation

Sector	Value
Corporate	71.12%
Government	19.75%
Cash Equivalent	9.12%

Credit Quality

Rating	Value
AA	33.08%
AAA	66.92%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	5%	₹850 Cr	85,000,000
National Bank for Agriculture and Rural Development Domestic Bonds \| -	4%	₹739 Cr	15,300
Shriram Finance Limited Debentures \| -	3%	₹530 Cr	52,500
Vedanta Limited Debentures \| -	2%	₹450 Cr	44,500
Bharti Telecom Limited Debentures \| -	2%	₹397 Cr	40,000
Muthoot Finance Limited Debentures \| -	2%	₹324 Cr	32,500
Mankind Pharma Limited Debentures \| -	2%	₹320 Cr	32,000
Avanse Financial Services Limited Debentures \| -	2%	₹298 Cr	30,000
Adani Airport Holdings Limited Debentures \| -	2%	₹296 Cr	30,000
AU Small Finance Bank Ltd. Debentures \| -	2%	₹292 Cr	6,000

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 (₹22,636 Cr).
Oldest track record among peers (29 yrs).
Rating: 5★ (lower mid).
Risk profile: Moderately Low.
1Y return: 4.24% (bottom quartile).
1M return: -0.24% (bottom quartile).
Sharpe: -0.12 (bottom quartile).
Information ratio: 0.00 (lower mid).
Yield to maturity (debt): 7.49% (upper mid).
Modified duration: 4.35 yrs (bottom quartile).
Average maturity: 7.54 yrs (bottom quartile).
Exit load: NIL.
Top sector: Financial Services.
Top bond sector: Corporate.
Debt-heavy allocation (~90%).
High-quality debt (AAA/AA ~100%).
Largest holding 6.94% Govt Stock 2036 (~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 (29 Sep 26)	₹119.139 ↑ 0.04 (0.03 %)
Net Assets (Cr)	₹22,636 on 31 Aug 26
Category	Debt - Corporate Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Moderately Low
Expense Ratio	0.51
Sharpe Ratio	-0.12
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	7 Years 6 Months 14 Days
Modified Duration	4 Years 4 Months 6 Days
Sub Cat.	Corporate Bond

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹10,299
30 Sep 23	₹11,051
30 Sep 24	₹12,006
30 Sep 25	₹12,901

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 29 Sep 26

Duration	Returns
1 Month	-0.2%
3 Month	0.1%
6 Month	2.9%
1 Year	4.2%
3 Year	6.8%
5 Year	6.1%
10 Year
15 Year
Since launch	8.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	7.4%
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%

Fund Manager information for Aditya Birla Sun Life Corporate Bond Fund

Name	Since	Tenure
Kaustubh Gupta	12 Apr 21	5.39 Yr.

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

Asset Allocation

Asset Class	Value
Cash	9.53%
Debt	90.47%

Debt Sector Allocation

Sector	Value
Corporate	63.39%
Government	30.52%
Cash Equivalent	6.09%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	7%	₹1,656 Cr	167,276,100 ↑ 14,000,000
National Bank For Agriculture And Rural Development Debentures \| -	5%	₹1,170 Cr	117,500 ↑ 7,500
6.68% Govt Stock 2040 Sovereign Bonds \| -	3%	₹768 Cr	80,500,000 ↓ -59,000,000
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹689 Cr	69,500 ↑ 69,500
Bharti Telecom Limited Debentures \| -	3%	₹670 Cr	67,500
Jamnagar Utilities & Power Private Limited Debentures \| -	2%	₹572 Cr	59,000
Bajaj Housing Finance Limited Debentures \| -	2%	₹490 Cr	50,000
National Bank For Agriculture And Rural Development Debentures \| -	2%	₹486 Cr	49,620 ↑ 10,000
Bharti Telecom Limited Debentures \| -	2%	₹412 Cr	41,400
Summit Digitel Infrastructure Limited Debentures \| -	2%	₹397 Cr	4,000

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 (₹3,319 Cr).
Established history (17+ yrs).
Rating: 4★ (bottom quartile).
Risk profile: Moderate.
1Y return: 7.94% (top quartile).
1M return: 0.03% (lower mid).
Sharpe: 1.28 (top quartile).
Information ratio: 0.00 (bottom quartile).
Yield to maturity (debt): 8.09% (top quartile).
Modified duration: 2.95 yrs (lower mid).
Average maturity: 4.36 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 (~85%).
High-quality debt (AAA/AA ~90%).
Largest holding 6.94% Govt Stock 2036 (~10.9%).

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 (29 Sep 26)	₹43.748 ↑ 0.02 (0.05 %)
Net Assets (Cr)	₹3,319 on 31 Aug 26
Category	Debt - Medium term Bond
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Moderate
Expense Ratio	1.55
Sharpe Ratio	1.28
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	8.09%
Effective Maturity	4 Years 4 Months 10 Days
Modified Duration	2 Years 11 Months 12 Days
Sub Cat.	Medium term Bond

Growth of 10,000 investment over the years.

Date	Value
30 Sep 21	₹10,000
30 Sep 22	₹12,349
30 Sep 23	₹13,234
30 Sep 24	₹14,419
30 Sep 25	₹16,212

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 29 Sep 26

Duration	Returns
1 Month	0%
3 Month	0.7%
6 Month	3.9%
1 Year	7.9%
3 Year	9.7%
5 Year	11.8%
10 Year
15 Year
Since launch	8.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2025	10.9%
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%

Fund Manager information for Aditya Birla Sun Life Medium Term Plan

Name	Since	Tenure
Sunaina Cunha	1 Sep 14	12.01 Yr.
Mohit Sharma	6 Aug 20	6.07 Yr.

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

Asset Allocation

Asset Class	Value
Cash	10.93%
Equity	4.07%
Debt	84.77%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	55.76%
Government	29.01%
Cash Equivalent	10.93%

Credit Quality

Rating	Value
A	9.91%
AA	40.96%
AAA	49.13%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
6.94% Govt Stock 2036 Sovereign Bonds \| -	11%	₹366 Cr	37,000,000 ↓ -6,000,000
Bajaj Housing Finance Limited Debentures \| -	4%	₹125 Cr	12,500 ↓ -2,500
National Bank For Agriculture And Rural Development Debentures \| -	4%	₹124 Cr	12,500 ↑ 12,500
National Bank For Agriculture And Rural Development Debentures \| -	3%	₹113 Cr	11,500
Hinduja Leyland Finance Limited Debentures \| -	3%	₹109 Cr	11,000
Cholamandalam Investment And Finance Company Limited Debentures \| -	3%	₹103 Cr	10,500
Oxyzo Financial Services Limited Debentures \| -	3%	₹89 Cr	9,000
GMR Airports Limited Debentures \| -	3%	₹85 Cr	8,000
Jubilant Bevco Limited Debentures \| -	2%	₹83 Cr	7,400
Jtpm Metal TRaders Limited Debentures \| -	2%	₹83 Cr	7,673

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