Sharpe ratio
0.38Return earned for the risk taken.
Moderate
Moderate risk-adjusted returns. The reward for risk has been average.
+1.75%1Y Absolute Return
-0.41%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 Government Securities Fund - Growth - Direct PlanFund 5Y annualised return | ₹8,25,748 | ₹7,32,612 | ₹93,136 | +4.99% |
| 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 age13.9 yrs
Fund information
Scheme code119605
ISININF209K01XP7
BenchmarkNIFTY All Duration G-Sec Index
CategoryDebt Scheme - Gilt Fund
Expense ratio0.49%
Exit loadNil
Minimum SIP₹1,000 SIP
Return comparison
83rd / 139 in category| Period | Fund | Benchmark | Category avg |
|---|---|---|---|
| 1M | +10.92% | — | — |
| 3M | -8.33% | — | — |
| 6M | +4.73% | — | — |
| 1Y | +1.75% | — | +1.30% |
| 3Y | +5.37% | — | +3.90% |
| 5Y | +4.99% | — | +3.47% |
| 10Y | +6.66% | — | — |
| Since Launch | +8.02% | — | — |
Risk-adjusted performance
Every measure is expanded with a plain-language reading of the latest calculated value.
Sortino ratio
0.57Return earned while limiting downside risk.
Moderate
Moderate downside risk-adjusted performance.
Standard deviation
4.58%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
0.74How 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%
Debt98.50%
Cash1.50%
Market cap allocation
Market-cap classifications were not present in the latest portfolio disclosure.
Sector allocation
Equity exposure by sector
Top holdings
10 of 16 disclosed positions
| Holding | Sector | Instrument type | Weight |
|---|---|---|---|
| GOVERNMENT OF INDIA 34238 GOI 22AP64 7.34 FV RS 100 | Entities | GOI Securities | 41.4969% |
| 7.71% GOI 18-May-2066 | Entities | GOI Securities | 14.7441% |
| GOVERNMENT OF INDIA 36320 GOI 18AG55 7.24 FV RS 100 | Entities | GOI Securities | 10.0902% |
| GOVERNMENT OF INDIA 33071 GOI 19JU53 7.3 FV RS 100 | Entities | GOI Securities | 9.0769% |
| GOVERNMENT OF INDIA 34733 GOI 05AG54 7.09 FV RS 100 | Entities | GOI Securities | 5.6626% |
| 7.09% GOI 25-Nov-74 | Entities | GOI Securities | 4.3279% |
| 4.45% Government of India (30/10/2034) | Entities | GOI Securities | 3.7322% |
| CENTRAL GOVERNMENT LOAN 30049 GOI 22FB61 6.76 FV RS 100 | Entities | GOI Securities | 2.0015% |
| STATE DEVELOPMENT LOAN 37141 UP 25FB46 7.71 FV RS 100 | Unspecified | State Development Loan | 1.8921% |
| Madhya Pradesh State Government Securities (29/04/2048) | Unspecified | State Development Loan | 1.8498% |
Fund management
BH
Bhupesh Bameta
Since 2020 · Prior to joining Aditya Birla Sun Life Mutual Fund as an Analyst, Fixed Income. He was the Head of Research in Forex and Rates Desk at Edelweiss Securities Limited, covering global and Indian forex markets and economies. He was also associated with Quant Capital for 6 years as an Economist and was covering Indian and global economy and markets.
Mr. Bameta has done B.Tech (IIT Kanpur), CFA Charterholder (CFA Institute, USA)
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Summary
A moderate-risk debt scheme - gilt fund. Same fund manager for 6+ years — the strategy has not chopped and changed. Top 10 holdings make up 95% — a handful of stocks can swing returns sharply.
Strengths
- Same fund manager for 6+ years — the strategy has not chopped and changed.
Weaknesses
- Top 10 holdings make up 95% — a handful of stocks can swing returns sharply.
- Has fallen sharply before — down -10.8% at its worst.
Ideal investor
- Needs a 1–3 years depending on duration horizon to ride out its moderate risk level.
Risk drivers
- Top 10 holdings = 95% of the portfolio.
- Entities makes up 91% — trouble in that sector hits the whole fund.