Sharpe ratio
0.73Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+3.80%1Y Absolute Return
-0.11%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 Regular Savings Fund - Growth / Payment - Direct PlanFund 5Y annualised return | ₹8,88,215 | ₹7,32,612 | ₹1,55,603 | +7.94% |
| 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₹1.10
₹1 Lakh since launch₹1.10 Lakh
Fund age13.9 yrs
Fund information
Scheme code120705
ISININF209K01XH4
BenchmarkCRISIL Hybrid 85+15 Conservative Index
CategoryHybrid Scheme - Conservative Hybrid Fund
Expense ratio0.96%
Exit load1% for redemption within 90 days.
Minimum SIP₹100 SIP
Return comparison
8th / 104 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +29.88% | — | — |
| 3M | -0.41% | — | — |
| 6M | +6.60% | — | — |
| 1Y | +3.80% | — | -0.90% |
| 3Y | +8.87% | — | +3.51% |
| 5Y | +7.94% | — | +2.85% |
| 10Y | +8.52% | — | — |
| Since Launch | +10.09% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
1.04Return earned while limiting downside risk.
Good
Good downside protection with strong returns.
Standard deviation
3.59%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
0.71How well the fund rewarded investors relative to its biggest decline.
Good
Good return relative 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%
Debt74.81%
Equity20.74%
Cash2.51%
Real Estate1.94%
Market cap allocation
Sector allocation
Equity exposure by sector
Top holdings
10 of 128 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 36185 GOI 07JL40 6.68 FV RS 100 | Entities | GOI Securities | 3.7598% |
| CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LIMITED SR SD73 8.92 NCD 02DC34 FVRS1LAC | Financial | Debenture | 3.7343% |
| MUTHOOT FINANCE LIMITED RR NCD 26JL29 FVRS1LAC | Financial | Debenture | 3.3871% |
| JTPM METAL TRADERS LIMITED NCD 30AP30 FVRS1LAC | Materials | Debenture | 3.1039% |
| ADANI POWER LIMITED SR II 8.20 NCD 25JN29 FVRS1LAC | Energy & Utilities | Debenture | 2.3604% |
| NUVAMA WEALTH FINANCE LIMITED SR NWFL200824/05 9.75 NCD 16AP27 FVRS1LAC | Financial | Debenture | 2.0307% |
| BHARTI TELECOM LIMITED SR XXVII 7.30 NCD 01DC27 FVRS1LAC | Technology | Debenture | 1.997% |
| Net Receivables | Unspecified | Net Receivables | 1.9034% |
| ICICI Bank Ltd | Financial | Equity | 1.9009% |
| JUBILANT BEVCO LIMITED NCD 31MY28 FVRS1LAC | Consumer Staples | Debenture | 1.8632% |
Fund management
MO
Mohit Sharma
Since 2024 · 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
Harshil Suvarnkar
Since 2021 · Prior to Joining Aditya Birla Sun Life MF, he has worked with Indiabulls Housing Finance Limited,
Mr. Suvarnkar has doneB.Com, Masters in Management Studies (Finance) and Post Graduate Diploma in Securities Law.
Compare similar funds
No comparable category funds are available yet.
Summary
A moderately high-risk hybrid scheme - conservative hybrid fund. Ahead of its category average over 3Y by 5.4 points. Has fallen sharply before — down -14.2% at its worst.
Strengths
- Ahead of its category average over 3Y by 5.4 points.
- Well spread out — top 10 holdings are only 2% of the portfolio.
- Same fund manager for 6+ years — the strategy has not chopped and changed.
- Ranks 8 of 104 in its category over 1 year.
Weaknesses
- Has fallen sharply before — down -14.2% at its worst.
Ideal investor
- Needs a 2–3+ years horizon to ride out its moderately high risk level.
Risk drivers
- None