Sharpe ratio
0.53Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+8.60%1Y Absolute Return
-0.45%1D
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Past performance is not an indicator of future returns.
Returns calculator comparison
Compare an illustrative investment outcome across return assumptions.
| Asset | Projected corpus | Total invested | Gain | Annual return |
|---|---|---|---|---|
| Aditya Birla Sun Life Balanced Advantage Fund - Direct Plan - Growth OptionFund 5Y annualised return | ₹9,52,803 | ₹7,32,612 | ₹2,20,191 | +10.72% |
| EPFIllustrative annual assumption | ₹8,95,132 | ₹7,32,612 | ₹1,62,520 | +8.25% |
| Residential propertyIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| PPFIllustrative annual assumption | ₹8,69,819 | ₹7,32,612 | ₹1,37,207 | +7.10% |
| Bank fixed depositIllustrative annual assumption | ₹8,56,981 | ₹7,32,612 | ₹1,24,369 | +6.50% |
| GoldIllustrative annual assumption | ₹8,67,662 | ₹7,32,612 | ₹1,35,050 | +7.00% |
| Savings accountIllustrative annual assumption | ₹7,86,827 | ₹7,32,612 | ₹54,215 | +3.00% |
Illustration only. Fund results use the available NAV-derived annualised return and can be negative. Reference rows are assumptions, not current quoted rates or guaranteed returns; property excludes transaction costs, taxes, and liquidity constraints. Mutual fund investments are subject to market risk.
Wealth multiple
₹1 became₹1.12
₹1 Lakh since launch₹1.12 Lakh
Fund age12.1 yrs
Fund information
Scheme code131670
ISININF084M01DJ5
BenchmarkCRISIL Hybrid 50+50 Moderate Index
CategoryHybrid Scheme - Dynamic Asset Allocation or Balanced Advantage
Expense ratio0.91%
Exit loadExit load of 0.25%, if redeemed within 7 days.
Minimum SIP₹100 SIP
Return comparison
1st / 145 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +96.35% | — | — |
| 3M | +8.66% | — | — |
| 6M | +17.86% | — | — |
| 1Y | +8.60% | — | +0.31% |
| 3Y | +13.22% | — | +7.18% |
| 5Y | +10.72% | — | +6.13% |
| 10Y | +11.46% | — | — |
| Since Launch | +11.55% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.73Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
9.19%How much the fund’s returns fluctuate over time.
Low volatility
Returns have been relatively stable.
Beta
—How closely the fund moves with the market.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Alpha
—Extra return generated above the benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Treynor ratio
—Return earned for each unit of market risk taken.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Calmar ratio
0.44How well the fund rewarded investors relative to its biggest decline.
Low
Returns have been modest compared to the drawdowns experienced.
Information ratio
—How consistently the fund outperformed its benchmark.
Unavailable
This measure needs sufficient fund and benchmark history to calculate.
Portfolio allocation
Latest disclosed portfolio mix
Asset allocation
Portfolio100%
Equity66.26%
Debt17.24%
Hedged Equity9.62%
Real Estate5.93%
Cash0.96%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 226 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| Net Receivables | Unspecified | Net Receivables | 9.7557% |
| ICICI Bank Ltd | Financial | Equity | 4.332% |
| HDFC Bank Ltd | Financial | Equity | 3.1184% |
| Kotak Mahindra Bank Ltd | Financial | Equity | 2.7291% |
| India Grid Trust EQ | Industrials | Infrastructure Investment Trust | 2.3687% |
| Reliance Industries Ltd | Energy & Utilities | Equity | 2.3304% |
| State Bank of India | Financial | Equity | 2.1514% |
| Axis Bank Ltd | Financial | Equity | 1.9357% |
| GOI Sec 7.18 24/07/2037 | Entities | GOI Securities | 1.6803% |
| Adani Enterprises Ltd | Materials | Equity | 1.6025% |
Fund management
LO
Lovelish Solanki
Since 2019 · Prior to joining Aditya Birla Sun Life AMC Limited, he was Equity /Equity Derivatives - Trader at Union KBC Asset Management Co Limited since February 2011. Before that he worked at Edleweiss Asset Management Co. Ltd since January 2008.
He has done BMS and MMS in finance.
RO
Rohit Karan
Since 2026 · Prior to joining the Aditya birla SL AMC, he was associated with Tara Capital Partners Private Ltd, ICICI Prudential AMC (Alternates), ARJ Securities, Franklin Templeton Alternatives, DSP Blackrock Investments and Reliance Industries Limited
PGDM, IIM Ahmedabad, Bachelor of Technology, IIT Kanpur
MO
Mohit Sharma
Since 2017 · Prior to joining Aditya Birla Sun Life AMC, he ran his own healthcare-tech business (June 2012 - May 2015). he has also worked as an Interest Rates Trader in Standard Chartered Bank (May 2007 - June 2011) and ICICI Bank Ltd (June 2006 - April 2007). He started his career in the Equity Research in Irevna Ltd (June 2005 - June 2006).
Mr. Sharma is B Tech (IIT - Madras) and PGDCM (IIM Calcutta).
HA
Harish Krishnan
Since 2024 · Prior to joining Aditya Birla Sun Life Mutual Fund, he has also worked at Kotak Mahindra Mutual Fund, Infosys Technologies Ltd in his earlier stint.
Mr. Krishnan is a Graduate from Government Engineering College Trichur and MBA from IIM Kozhikode
Compare similar funds
No comparable category funds are available yet.
Summary
A very high-risk hybrid scheme - dynamic asset allocation or balanced advantage fund. Ahead of its category average over 3Y by 6.0 points. Has fallen sharply before — down -26.4% at its worst.
Strengths
- Ahead of its category average over 3Y by 6.0 points.
- Recovered from its worst fall in 5 months.
- Well spread out — top 10 holdings are only 23% of the portfolio.
- Same fund manager for 10+ years — the strategy has not chopped and changed.
- Ranks 1 of 145 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -26.4% at its worst.
Ideal investor
- Needs a 4–5+ years horizon to ride out its very high risk level.
- Good fit for SIPs — spreading purchases smooths out 9.2% volatility.
Risk drivers
- None