Sharpe ratio
1.54Return earned for the risk taken.
Good
Good risk-adjusted returns. The fund has delivered strong returns for its level of risk.
+5.66%1Y Absolute Return
-0.00%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 Floating Rate Fund-Direct Plan-GrowthFund 5Y annualised return | ₹8,64,225 | ₹7,32,612 | ₹1,31,613 | +6.84% |
| 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₹1.08
₹1 Lakh since launch₹1.08 Lakh
Fund age13.5 yrs
Fund information
Scheme code122646
ISININF209K01UX7
BenchmarkNIFTY Low Duration Debt Index A-I
CategoryDebt Scheme - Floater Fund
Expense ratio0.25%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
19th / 100 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +6.21% | — | — |
| 3M | +4.46% | — | — |
| 6M | +6.43% | — | — |
| 1Y | +5.66% | — | +3.13% |
| 3Y | +7.35% | — | +4.47% |
| 5Y | +6.84% | — | +3.97% |
| 10Y | +7.12% | — | — |
| Since Launch | +7.77% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
3.38Return earned while limiting downside risk.
Excellent
Excellent downside risk-adjusted returns. The fund has managed downside risk very effectively.
Standard deviation
0.70%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
4.26How well the fund rewarded investors relative to its biggest decline.
Excellent
Excellent balance between returns and drawdowns.
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%
Debt97.50%
Cash2.50%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 216 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| CENTRAL GOVERNMENT LOAN 23277 GOI 22SP33 FLT FV RS 100 | Entities | GOI Securities Floating Rate Bond | 6.6053% |
| BHARTI TELECOM LIMITED SR XXVII 7.30 NCD 01DC27 FVRS1LAC | Technology | Debenture | 3.9257% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 25G 7.48 BD 15SP28 FVRS1LAC | Financial | Bonds | 2.6757% |
| SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA SR II RR BD 04JU29 FVRS1LAC | Financial | Bonds | 2.6101% |
| HDFC BANK LIMITED CD 14DEC26 | Financial | Certificate of Deposit | 2.3324% |
| KNOWLEDGE REALTY TRUST 7.2 NCD 26SP28 FVRS1LAC | Real Estate | Debenture | 2.2145% |
| Net Receivables | Unspecified | Net Receivables | 2.1315% |
| NATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENT SR 26F 7.44 BD 17JL29 FVRS1LAC | Financial | Bonds | 2.0465% |
| Union Bank of India (16/03/2027) ** # | Financial | Commercial Paper | 1.7645% |
| EMBASSY OFFICE PARKS REIT SR XIII A 7.21 NCD 17MR28 FVRS1LAC | Real Estate | Debenture | 1.6669% |
Fund management
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.
KA
Kaustubh Gupta
Since 2012 · Prior to joining Aditya Birla Sun Life AMC he has worked with ICICI Bank.
Mr. Gupta is a B.Com and a Chartered Accountant.
Compare similar funds
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Summary
A low to moderate-risk debt scheme - floater fund. Losses and swings stayed contained — worst fall -1.8%, volatility 0.7%. Financial makes up 70% — trouble in that sector hits the whole fund.
Strengths
- Losses and swings stayed contained — worst fall -1.8%, volatility 0.7%.
- Recovered from its worst fall in 0 months.
- Well spread out — top 10 holdings are only 28% of the portfolio.
- Same fund manager for 14+ years — the strategy has not chopped and changed.
- Ranks 19 of 100 in its category over 1 year.
Weaknesses
- None
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its low to moderate risk level.
Risk drivers
- Financial makes up 70% — trouble in that sector hits the whole fund.